Best 7 Home Warranty Companies in Omaha, NE

Are Home Warranties Worth It for Omaha Residents?

Yes, home warranties are worth it for Omaha residents. Omaha can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time from heavy use.

Winters in Omaha are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.

The regular rain in Omaha can damage your home's roof. The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet all their service providers. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these key factors when determining the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and would like covered. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Typically, home warranties don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most will also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Each provider will outline its exclusions and limitations in your service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when making a decision. You can find customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to see how providers handle claims and customer service. Check with the Nebraska Consumer Protection Division to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Quality home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.