The 5 Best Home Warranty Companies in Nebraska

22 January, 2024
By Brenda Wilson

Purchasing a home is likely one of the biggest investments you'll ever make. While the initial purchase price is just the start, owning a home also comes with ongoing maintenance costs and the ever-present risk of systems and appliances breaking down. Having a home warranty can provide invaluable protection against unpredictable repair and replacement expenses.

A home warranty is a one-year service contract that covers the cost to repair or replace home systems and appliances that fail due to normal wear and tear. Most plans cover items like HVAC systems, water heaters, ovens, washers/dryers, plumbing, and electrical. Additional coverage options are also available for pools, well pumps, and other assets.

Choosing the right home warranty company is key to getting comprehensive coverage, excellent customer service, and quality workmanship on repairs. With dozens of providers in the industry, it can be hard to identify the top options for homeowners in Nebraska.

This guide examines the five best home warranty companies in Nebraska based on research into coverage, costs, service reputation, and more.

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Overview of the Top 5 Home Warranty Companies in Nebraska

After analyzing all major home warranty providers in Nebraska, these five companies stand out as top choices:

Company	Highlights
Liberty Home Guard	- Affordable pricing and comprehensive coverage - A+ BBB-rated - 24/7 customer service
American Home Shield	- An industry leader with expansive coverage options - Strong customer service reputation - Large contractor network
Cinch Home Services	- Budget-friendly pricing from $30/month - Owned by Assurant insurance provider - Basic and Plus plan options
First American Home Warranty	- Reputable name in home warranties - Quick claims handling process - Specialized agents for sales, claims, and service
2-10 Home Buyers Warranty	- Ideal for new construction homes - Covers builder defects for 1-10 years - Assign dedicated representative for claims

Liberty Home Guard

Liberty Home Guard is ranked number one for Nebraska for their affordable pricing and comprehensive coverage. Founded in 2013, they hold an A+ BBB rating and reputation for quality service.They offer three plan tiers plus customizable add-ons. All plans cover major systems like HVAC, appliances, plumbing, and electrical. Additional coverage can be added for pools, wells, sewage lines, and more.Liberty Home Guard has knowledgeable USA-based customer service available 24/7 by phone, email, and chat. They have local authorized contractors perform work and aim for same or next day repair scheduling.Importantly, their pricing is very affordable, starting at just $25/month with low $75 service fees.

American Home Shield

As the oldest home warranty company nationally, American Home Shield is a great choice in Nebraska for industry expertise, expansive coverage, and excellent customer service.American Home Shield offers three tiered plans from Silver to Platinum. All cover major home systems, while Platinum plans add extras like pools, roof leaks, and code violations. Over 40 add-ons allow customization.American Home Shield is praised for 24/7 customer service and fast claims response. They have a network of over 17,000 contractors across the U.S. to provide local service. Pricing is reasonable with comprehensive Platinum plans starting at $54/month.

Cinch Home Services

Cinch Home Services offers straightforward, affordable home warranty plans from Assurant. Their entry-level Basic plan covers appliances, plumbing, electrical, HVAC, and water heaters. The Plus plan adds garage door openers, waste disposals, ductwork, and more.Optional add-on bundles from Cinch allow expanded coverage for pools, electronics, septic, well pumps, AC, and heating. Everything is managed through helpful 24/7 customer service agents.Importantly, Cinch Home Services provides very affordable pricing, with plans starting at just $30/month in Nebraska. This makes them a great budget choice.

First American Home Warranty

First American Home Warranty is a prominent national provider known for quality coverage, pricing, and service - earning them an A+ BBB rating.They offer three tiered plans called Essential, Standard, and Premier to meet different coverage needs. All cover HVAC, plumbing, electrical, appliances, and more. Upgrades are available for pool equipment, roof leaks, and other extras.First American can process claims very quickly in under 5 days and has 24/7 emergency repair service. Their network of local contractors provides dependable service in Nebraska. Pricing is competitive starting at $40/month.

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty provides specialized new construction coverage that's ideal for recently built homes in Nebraska.They offer plans spanning 1-10 years of structural defect coverage along with standard 2-year systems and appliance protection to cover builder defects. Additional years can be purchased.For claims, 2-10 Home Buyers Warranty assigns a dedicated representative to manage the process from inspection to resolution. Their expertise with new home coverage makes them a great fit for this segment.

Key Factors in Choosing a Home Warranty Company

There are several important factors to weigh when choosing a home warranty provider:

Coverage - Look for comprehensive inclusion of major HVAC, appliances, plumbing, and electrical systems. Compare plan details.
Costs - Home warranty prices vary based on coverage, location, age of home, etc. Look for affordable pricing and low service fees.
Reputation - Check ratings, reviews, BBB standing, and years in business when evaluating providers.
Responsiveness - Fast claims handling, 24/7 support, and emergency services are ideal.
Contractors - Reputable providers have strong local contractor networks to handle repairs.
Ease of Claims - The claims process should be simple with minimal red tape and the ability to check status online.
Discounts - Many companies offer discounts on new homes or multi-year plans.

By comparing these factors, Nebraska homeowners can identify the home warranty company that provides the best value and protection.What to Look for in a Top Home Warranty Company in NebraskaWhen comparing home warranty providers for your needs in Nebraska, keep these key factors in mind:

Coverage scope - Look for comprehensive coverage of major HVAC, appliances, plumbing, and electrical systems. Compare included systems.
Deductibles - Lower and fixed deductibles are best. Many top providers charge around $60-100 per claim or service call.
Reputation - Check BBB rating, online reviews, years in business, reputation for good customer service.
Pricing - Home warranty rates vary greatly based on plan, house size, location. Compare pricing from multiple providers.
Responsiveness - Fast claims processing, 24/7 support availability, and emergency dispatch are ideal.
Contractors - The best have extensive local contractor networks and strong relationships.
Ease of claims - Filing and tracking claims should be simple, with minimal red tape. Mobile claims are a great feature.
Discounts - Many offer discounts on new homes, multi-year plans, or bundling with real estate transactions.

Using these criteria will help you identify and select the home warranty company that provides the optimal coverage, service, responsiveness and value to protect your most important investment - your home.Is a Home Warranty Worth It?With hearty upfront costs, you may wonder if home warranties provide enough value to justify the investment. Here are a few factors to consider:

Your Budget - For homeowners on a tight budget, the value of avoiding massive repair bills outweighs warranty costs. If you don't have savings set aside for repairs, protection is essential.
Your Home's Age - Older homes with aging systems are more likely to have breakdowns, making a warranty valuable. However, newer homes under 10 years old may forgo coverage.
Covered Systems - If your home has extremely expensive systems, like a geothermal HVAC or professional appliances, coverage provides substantial peace of mind.
Claim Likelihood - If you anticipate upcoming issues based on inspections or contractor estimates, a home warranty makes sense.
Provider Responsiveness - The service value you receive depends on your warranty provider's reputation and responsiveness. Research this closely.
Price - Home warranty costs can range greatly. Find an affordable provider like Cinch or Liberty Home Guard to maximize value.

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By weighing these factors, you can determine if a home warranty is a wise investment for protecting your home from unpredictable and costly breakdowns. For most homeowners, the peace of mind provided is well worth the reasonable 1-year contract cost.Final ThoughtsThe top five home warranty companies serving Nebraska homeowners are Liberty Home Guard, American Home Shield, Cinch Home Services, First American, and 2-10 Home Buyers Warranty. Each provides great options for coverage and services tailored to differing needs and budgets.Carefully weighing coverage, costs, reputation, and ease of service allows you to pick the right provider for protecting your home from expensive repairs. Having trustworthy support handles breakdowns and provides invaluable peace of mind.