From the outdated streets of Savannah to town of Atlanta, owners in Georgia benefit from the state for its magnificence and southern attraction. Investing in a house guarantee in Georgia may help shield your house’s built-in programs and home equipment and cut back the stress of expensive, sudden repairs.
We on the Guides Residence Crew have researched, reviewed and picked the finest house guarantee corporations in Georgia based mostly on necessary components like protection, value and buyer status. Learn on to study extra about your choices for house guarantee protection within the Peach State.
The 6 Greatest Residence Guarantee Corporations in Georgia
Examine our top-rated house guarantee corporations in Georgia:
American Residence Defend
► State availability: 49 states (Excluding Alaska)
► Protection: 3 plan choices + 5 add-ons
Why We Picked American Residence Defend
American Residence Defend (AHS) earned 4.6 out of 5 stars beneath our house guarantee methodology and is our decide for total worth. We selected AHS for Georgia owners due to its excellent efficiency throughout all our overview classes, together with {industry} expertise, customer support, versatile plan choices and customizable pricing.
AHS covers cooling and air conditioner items, even beneath probably the most primary plan, making it a sensible choice for the usually muggy Georgia local weather. The corporate additionally covers different expensive-to-repair programs in its primary plans, together with heating, electrical and plumbing items.
Professionals and Cons
+ Affords a customizable service name charge
+ Has greater than 50 years of house guarantee expertise
+ Affords higher-than-average protection limits of $3,000–$6,000 for house programs and home equipment
– Restricted add-on choices
– Might take as much as 48 hours to reply to a declare, which is slower than some rivals
Plans and Value
American Residence Defend provides three plans: ShieldSilver™, ShieldGold™ and ShieldPlatinum™.
The corporate additionally provides the next add-ons to any plan for a further value:
- Electronics plan (covers private electronics akin to laptops, gaming consoles and smart-home gadgets)
- Nicely pump
- Visitor items as much as 750 sq. ft
- Swimming pools and in-ground spas
- Septic pump
AHS provides two service name charge choices of $100 or $125. In the event you select the upper service charge, your premium shall be $10 much less per thirty days. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a customized quote, fill out American Residence Defend’s quote kind or name 844-529-9298.
To study extra: American Residence Defend overview
Liberty Residence Guard
► State availability: (Excluding Wisconsin and Wyoming)
► Protection: 3 plan choices + 35+ add-ons
Why We Picked Liberty Residence Guard
We awarded Liberty Residence Guard 4.5 stars out of 5, and it’s our most customer-friendly supplier. Liberty Residence Guard has the very best buyer evaluations from any firm on our checklist, incomes 4.59 out of 5 stars on almost 2,000 buyer evaluations on the Higher Enterprise Bureau (BBB) web site.
The corporate has additionally taken strides to hear and reply to buyer suggestions. As an illustration, Liberty Residence Guard began providing extra distinctive protection add-ons to satisfy buyer requests and launched a buyer survey device in 2020. It additionally provides a 60-day workmanship guarantee — twice the {industry} common of 30 days — and provides 24/7 customer support.
Professionals and Cons
+ Affords distinctive add-ons, like pro-series equipment protection, pest management, window washing and roof leak safety
+ Features a 60-day workmanship assure, longer than another house guarantee suppliers
+ Encompasses a stay chat device on its web site to message a customer support consultant in real-time
– Assigns service charges reasonably than permitting prospects to decide on
– Has a lower-than-average protection cap of $2,000 per merchandise
Plans and Value
Liberty Residence Guard provides three complete protection choices: Equipment Guard, Programs Guard and Complete Residence Guard. You possibly can evaluate every plan’s protection within the desk beneath.
Liberty Residence Guard provides an extended checklist of optionally available protection gadgets:
- Further spa
- Carpet cleansing
- Casita visitor unit
- Central vacuum
- Ejector pump
- Electronics safety
- Freestanding ice maker
- Generator
- Grinder pump
- Gutter cleansing
- In-fridge ice maker
- On the spot sizzling water dispenser
- Garden sprinkler system
- Lights
- Restricted roof leak
- Pest management
- Plumbing fixtures
- Pool and spa
- Professional-series garments dryer
- Professional-series dishwasher protection
- Professional-series microwave
- Professional-series vary/oven/cooktop protection
- Professional-series fridge protection
- Professional-series washing machines
- Re-key companies
- Reverse osmosis water filter system
- Saltwater pool
- Second fridge
- Septic system pumping
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Trash compactor
- Water dispenser water line
- Water softener
- Nicely pump
- Window washing/cleansing
- Wine cooler/fridge
Liberty Residence Guard isn’t very clear about its service name charges in the course of the quote course of, however a consultant knowledgeable us that an quantity is assigned based mostly in your location, plan and add-ons. This charge will at all times fall between $65 and $125 per declare. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a free quote, fill out Liberty Residence Guard’s quote kind or name 866-452-9107.
Be taught extra: Liberty Residence Guard Evaluation
Choose Residence Guarantee
► State availability: (Excluding Nevada, Washington and Wisconsin)
► Protection: 3 plan choices + 9 add-ons
Why We Picked Choose Residence Guarantee
We awarded Choose Residence Guarantee 4.5 out of 5 stars, and it’s probably the most budget-friendly supplier on the checklist. All of Choose Residence Guarantee’s plans are beneath $50 per thirty days, plus its service charge is just $75, one of many lowest within the {industry}.
Though Choose Residence Guarantee doesn’t have as many add-on choices as some rivals, its free roof-leak protection with any plan is a brilliant strategy to shield your house if Georgia’s wet climate damages your roof over time. You may also decide into protection in your pool, spa, garden sprinkler system and extra.
Professionals and Cons
+ Affords free cancellation throughout the first 30 days
+ Consists of free roof leak protection with all guarantee plans
+ Affords reductions on multi-year protection plans
– Decrease-than-average protection caps of $500 per equipment
– Some on-line buyer evaluations complain about claims being denied
Plans and Value
Choose Residence Guarantee provides three plans: Bronze Care, Gold Care and Premium Care. See what every plan covers utilizing the desk beneath:
Choose Residence Guarantee provides the next plan add-ons:
- Roof leak safety (free with any plan)
- Central vacuum
- Garden sprinkler system
- Pool
- Septic system
- Spa
- Stand-alone freezer
- Sump pump
- Nicely pump
Choose Residence Guarantee prices a $75 service name charge, no matter your plan. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a free quote, fill out Choose Residence Guarantee’s quote kind or name 888-370-3956.
To study extra: Choose Residence Guarantee overview
AFC Residence Membership
► State availability: (Excluding California and Hawaii)
► Protection: 4 plan choices + 12 add-ons
Why We Picked AFC Residence Membership
In order for you a highly-customizable plan with an industry-leading workmanship assure, then America’s 1st Alternative Residence Membership (AFC) is for you. AFC earned 4.5 out of 5 stars and is our decide for protection choices, providing 4 plans, three service charge choices and an extended checklist of add-ons to spherical out your choice.
It additionally provides a plan-length guarantee, so if an organization technician comes to repair one thing in your house and that merchandise breaks once more, AFC Residence Membership will restore it a second time free of charge. Nonetheless, it’s necessary to notice that AFC Residence Membership doesn’t cowl air con beneath its Silver Plan. You’ll must improve to the Gold, Platinum or Programs plan for cooling protection, which most Georgia residents might want with how sizzling summers can get.
Professionals and Cons
+ Extends a workmanship assure that runs the size of your plan
+ Affords distinctive safety advantages, together with free credit score monitoring, household emergency companies and reductions on house safety programs
+ Lets you select your personal service technician
– Costs premiums which might be on the upper finish of the {industry} common
– Might deny your declare if it isn’t filed inside 24 hours of noticing a problem
Plans and Value
AFC Residence Membership has 4 plan choices: Silver, Gold, Platinum and Programs.
AFC Residence Membership provides the next optionally available plan add-ons:
- In-ground pool and spa
- Stand alone freezer
- Double oven
- Ice maker
- Septic system
- Constructed-in microwave
- Digital protection
- Sump pump
- Central vacuum
- Scorching water dispenser
- Nicely pump
- Roof leak
AFC Residence Membership lets you select between a service name charge of $75, $100 or $125. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a free quote, fill out AFC Residence Membership’s quote kind or name 877-755-1115.
To study extra: AFC Residence Membership overview
First American Residence Guarantee
► State availability: 35 states (excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, Wisconsin)
► Protection: 3 plan choices + 9 add-ons
Why We Picked First American Residence Guarantee
First American Residence Guarantee earned 4.4 out of 5 stars based mostly on our overview requirements and is our decide for equipment protection. Though First American Residence Guarantee’s protection of bigger house programs like plumbing and air con is missing in its primary plans, it contains kitchen home equipment beneath all of its plans.
First American additionally provides quite a lot of hot-weather necessities on its add-on checklist, together with central air con, HVAC tune-up, pool and spa tools, and protection for as much as three extra fridges.
Professionals and Cons
+ Consists of beneficiant protection caps for home equipment and programs of $3,500 to $7,000
+ Affords the First Class Improve for sure plans to cowl improper set up, constructing code modifications, damaged equipment disposal and extra
+ Consumer-friendly on-line claims portal
– Should buy an add-on for central air con protection with the Starter Plan
– Month-to-month prices are increased than some rivals
Plans and Value
First American Residence Guarantee provides three plans: Starter, Important and Premium.
Listed here are the extra protection choices you could connect to your First American plan:
- Central air con system
- Nicely pump
- Pool and spa tools
- Further refrigeration
- Water softener
- Septic tank pumping/system
- Restricted roof leak
- HVAC system tune-up
- Central air con (add-on to starter plan)
First American Residence Guarantee provides three service name charges of $75, $100 or $125. The upper your service charge, the decrease your month-to-month premium shall be. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a free quote, fill out First American Residence Guarantee’s quote kind.
To study extra: First American Residence Guarantee overview
Cinch Residence Providers
► State availability: 48 states (excluding Alaska and Hawaii)
► Protection: 3 plan choices + 6 add-ons
Why We Picked Cinch
We awarded Cinch Residence Providers 4.4 out of 5 stars based mostly on our methodology. This firm is our decide for bonus advantages, providing perks like a $25 credit score for air and water filter replacements and a owners insurance coverage deductible reimbursement.
Although Cinch Residence Providers is understood for its beneficiant 180-day workmanship assure, it additionally has over 40 years of {industry} expertise. Moreover, it’s similar to different high suppliers like American Residence Defend due to its customizable pricing choices and three service name charge picks.
Professionals and Cons
+ Has a 180-day workmanship assure, which is six instances the {industry} customary
+ Affords a owners insurance coverage deductible reimbursement
+ Extends a $25 credit score for air or water filter replacements and a free water sensor after your first fee
– Costlier service charges than different corporations
– Add-on customizability is generally restricted to swimming pools and spas protection
Plans and Value
Cinch Residence Providers provides plans with intensive protection, together with the Full Residence Plan, Home equipment Plan and Constructed-in Plan.
Cinch has just a few extra protection choices, together with a premier improve bundle to cowl often-excluded components, repairs and companies. Add-on choices embody:
- Premier improve bundle
- Pool (heater included)
- Spa (heater included)
- Pool with spa mixture (with heaters)
- Septic tank and plumbing
- Nicely pump
Cinch provides you the choice to customise your pricing based mostly in your service charge picks, though the $100 to $150 charge quantities are increased than common. The chart beneath reveals common prices based mostly on pattern quotes we pulled for a 1,500-square-foot house in Savannah, Ga.
Get your quote: For a personalised quote, fill out Cinch Residence Providers’ quote kind or name 855-435-0489.
To study extra: Cinch Residence Providers overview
Examine the Greatest Residence Guarantee Corporations in Georgia
See how the highest house guarantee suppliers in Georgia stack up subsequent to 1 one other:
What Is a Georgia Residence Guarantee, and How Does It Work?
A house guarantee is a contract between you, the house owner, and a house guarantee firm. Underneath this settlement, you pay a month-to-month charge in alternate for protection when considered one of your main house programs or home equipment fails.
Residence guarantee protection is separate from owners insurance coverage and doesn’t cowl prices associated to main occasions like pure disasters or theft. As a substitute, a house guarantee is designed to complement owners insurance coverage by masking regular put on and tear or deterioration of house programs and home equipment.
A house guarantee can provide owners peace of thoughts that they’ll be capable of afford necessary repairs after they come up. Residence warranties are additionally well-liked amongst actual property brokers and residential builders, who provide insurance policies as an additional perk for house patrons.
Your service contract will element any limitations, circumstances or exclusions beneath your plan. All the time learn your service contract rigorously earlier than signing in order that you understand what is roofed. Each house guarantee plan is totally different, so it’s necessary to learn the advantageous print.
If you want to restore or substitute a lined merchandise beneath your plan, you will need to file a declare by your supplier. As soon as your declare is authorised, you’ll pay the agreed-upon service charge and a technician shall be despatched to repair the issue.
How To Select a Georgia Residence Guarantee Firm
When selecting a house guarantee firm in Georgia, it is best to evaluate month-to-month prices and repair charges, resolve what protection is necessary to you and analysis house guarantee corporations in your space.
Examine Month-to-month Prices and Service Charges
When evaluating house guarantee insurance policies, contemplate every supplier’s plan choices, month-to-month prices and repair charges. A lower-priced plan could appear to be a greater deal, however it could not present adequate protection if you want it. That’s why it’s necessary you overview the phrases and exclusions of every plan earlier than making a choice.
Resolve What Protection Is Essential to You
You possibly can anticipate each house guarantee to cowl customary family programs and home equipment like HVACs, fridges, ovens, water heaters and plumbing programs. Nonetheless, as we emphasised earlier, it is best to at all times learn the advantageous print: You don’t wish to be left with out protection that’s necessary to you.
As an illustration, Georgia experiences lengthy, humid summers, so that you wish to ensure your plan covers air con repairs. Some corporations solely provide AC protection beneath extra complete plans, so do your analysis beforehand.
Analysis Residence Guarantee Corporations in Your Space
Alongside the vein of “doing all of your analysis,” you’ll wish to learn up on what prospects out of your space consider the businesses you’re contemplating. All of our high house guarantee corporations function throughout the nation, however the contractors and customer support you’ll obtain shall be domestically based mostly in Georgia. So, learn evaluations from every supplier’s native workplace to grasp how glad different owners are with every supplier.
How Residence Warranties Are Regulated in Georgia
Residence guarantee corporations aren’t thought of insurance coverage suppliers beneath Georgia legislation, so the Georgia Division of Insurance coverage doesn’t regulate the {industry}. A 2010 article from the Atlanta Journal-Structure reported on how Georgia’s flimsy laws might go away prospects extra weak. As an illustration, if a disreputable house guarantee supplier goes out of enterprise, it might go away prospects with out protection or any form of refund.
In the event you really feel like your house guarantee firm is partaking in “unfair or misleading acts affecting the general public at giant,” you may file a criticism by Georgia’s Client Safety Division to resolve the difficulty.
The Backside Line
A house guarantee can prevent from sudden out-of-pocket bills if considered one of your house’s built-in programs or home equipment breaks. Whether or not you’re in search of the excellent total protection of American Residence Defend or the spectacular 180-day workmanship assure of Cinch Residence Providers, these corporations are wonderful choices for a Georgia house owner. Liberty Residence Guard or AFC Residence Membership are additionally nice decisions for owners in search of complete coverage or add-on protection. Or, Choose Residence Guarantee is right for those who’re on a price range.
Although we included some particulars about house guarantee prices, we strongly suggest getting quotes from not less than three corporations to check plan choices and pricing. It’s possible you’ll discover extra financial savings, as costs differ based mostly on location and property particulars.
Methodology: Our System for Rating the Greatest Residence Guarantee Corporations
On the Guides Residence Crew, we’ve created a complete score system to rank house guarantee suppliers based mostly on goal components. We researched every firm by talking with representatives, studying pattern contracts, and analyzing and evaluating shopper evaluations, then deepened our data by gaining house owner insights by surveys and focus teams.
After gathering information, we scored every supplier based mostly on what issues most to owners: plan choices, value, trustworthiness, customer support, state availability, extra advantages and protection specifics.
We established every firm’s score out of 5.0 stars, weighing the next components accordingly:
- Plan choices (20%): Corporations that supply not less than three plan choices and varied add-ons scored the very best on this class.
- Protection particulars (20%): We rated corporations based mostly on the whole variety of house home equipment and programs lined of their plans, emphasizing important programs like plumbing and air con items.
- Plan pricing (18%): Residence guarantee suppliers that supply mixture plans for lower than $50 a month and a service name charge of $75 or much less earned probably the most factors on this class.
- Trustworthiness (14%): We evaluated the Higher Enterprise Bureau (BBB) score, pattern contract availability, workmanship assure and {industry} expertise to find out the trustworthiness of every firm.
- Customer support (16%): Residence guarantee corporations which might be out there 24/7, one year a 12 months, present emergency companies and provide not less than two methods to file a declare earned the very best customer support factors.
- Further advantages (8%): Corporations with a 30-day free cancellation interval earned factors on this class, and suppliers acquired additional factors for providing extra protection perks and unique advantages.
- State availability (4%): Suppliers that service all 50 U.S. states earned full credit score for this class.
Our overview methodology for house guarantee corporations is meant to offer a radical overview of the most effective suppliers nationwide. To study extra, you may learn our full house guarantee methodology.
Religion Wakefield is a author based mostly in North Carolina. She holds economics and English levels from UNC Chapel Hill, and her work has been featured on EcoWatch, The World Financial Discussion board and Right now’s House owner. In her free time, she likes to binge-watch private finance movies on YouTube, accumulate books and spend time in nature.
Tori Addison is an editor with over 5 years of expertise within the digital advertising and marketing {industry}. Her contains communications and advertising and marketing work within the nonprofit, governmental and educational sectors. A journalist by commerce, she began her profession masking politics and information in New York’s Hudson Valley. Her work included protection of native and state budgets, federal monetary laws and well being care laws.
