Money Research Collective’s editorial team solely created this content. Opinions are their own, but compensation and in-depth research determine where and how companies may appear. Many featured companies advertise with us. How we make money.
8 Best Home Warranties for Duplex of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
🔥 SALE: $150 OFF + 2 Months Free
- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Get $50 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Purchasing a duplex can be an excellent investment, especially if you plan to live in one unit and rent out the other. However, owning a duplex also means that you are responsible for maintaining and repairing two homes. That’s where home warranties come in – they provide homeowners with peace of mind by covering the cost of unexpected repairs or replacements of covered items.
When looking for the best home warranties for duplexes, there are several factors to consider, including coverage options, pricing, and customer service. To help you make an informed decision, we have researched and reviewed the top home warranty companies for duplexes on the market in 2023.
Our Top Picks for Best Home Warranties For Duplex
After extensive research, we have narrowed down the best home warranty companies for duplexes in 2023 to the following:
- American Home Shield
- Choice Home Warranty
- The Home Service Club
- Liberty Home Guard
- Other companies we considered
Each of these companies offers comprehensive coverage options, competitive pricing, and excellent customer service. In the following sections, we will provide a detailed review of each company’s plans, pricing, waiting periods, and covered appliances.
Table of Contents
- Best home warranties for duplex reviews
- Best home warranties for duplex guide
- FAQs
- How we chose the best home warranties for duplex
Best Home Warranties For Duplex Company Reviews
Best Overall: American Home Shield
- Three plans available
- Comprehensive coverage available including roof leak repairs and unlimited A/C refrigerant
- Registered with the Securities Exchange Commission
- Does not cover older items
- Does not cover items without maintenance records
- Coverage caps apply to roof leak repairs, among other services
American Home Shield is a home warranty company that offers coverage for appliances and systems in duplexes. They have three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, with prices starting at $29.99, $39.99, and $69.99 per month, respectively. Each plan offers different coverage levels, with ShieldPlatinum providing the most extensive coverage, including roof leak repairs and unlimited A/C refrigerant.
Duplex owners can request service through American Home Shield’s website or by phone. Once a service request is made, a contractor from the company’s network will be dispatched to the property. However, it’s essential to note that American Home Shield has limitations in their coverage. They do not cover older items, undetectable pre-existing conditions, or items without maintenance records. Additionally, coverage caps apply to some items, such as roof leak repairs.
American Home Shield is licensed in the state of Delaware and registered with the Securities and Exchange Commission (SEC).
Best for Affordability: Choice Home Warranty
- Optional coverage for a wide range of appliances
- 24/7 claim submission available via phone, app or its online portal
- $85 service fee per claim
- Lower limits may apply to some covered items
- Washers, dryers and air conditioning systems not covered in the basic plan
As a duplex owner, it’s important to have reliable coverage for your major systems and appliances, and Choice Home Warranty offers comprehensive protection. Founded in 2008 and based in New Jersey, Choice Home Warranty provides home service contracts that cover repair or replacement costs for these items.
Their plans include optional coverage for septic systems, pools/spas, well pumps, sump pumps, central vacuuming systems, limited roof leaks, second refrigerators, and standalone freezers. They offer two plans, Basic and Total, with a monthly premium and a $85 service fee per home warranty claim.
Choice Home Warranty offers 24/7 claim submission through phone or their online portal and uses proprietary technology to dispatch service quickly. The Basic Plan does not include coverage for refrigerators, washers and dryers, and air conditioning systems, while the Total Plan covers all these items.
The company states that the liability for any single item is capped at $3,000, but lower limits may apply to some covered items.
Best for Flexibility: The Home Service Club
- Offers comprehensive coverage on over 33 items
- 24/7 claims department
- No waiting period
- Does not cover repairs due to user error or improper maintenance
- Low ratings on BBB and Trustpilot
- No membership with the NHSCA
Home Service Club offers comprehensive coverage for duplexes, including various built-in systems and appliances, with a total of over 33 items covered. The Standard plan’s premium starts at $400, with per-item caps ranging from $300 to $2,000, and an annual cap between $6,000 and $9,000.
As a duplex owner, you’ll be glad to know that the Home Service Club has over 10,000 in-network contractors and a 24/7 claims department. In case of a claim, the service fee can range from $65 to $125, with no waiting or service recall period, and no maintenance records required.
It’s important to note that the company does not cover repairs or replacements due to user error or improper maintenance, so it’s crucial to keep up with regular maintenance. The company also provides a sample contract on their website, giving you a clear understanding of the coverage you’ll receive.
In case you’re not satisfied with their service, customers can cancel their service agreement within the first 30 days for a refund, minus an administrative fee of up to $45. After 30 days, a pro-rata refund is possible.
Best for Option Add-Ons: Liberty Home Guard
- Does not require home inspection
- Large selection of optional add-ons
- Won multiple awards for best home warranty company
- Does not cover damage from human error
- Does not cover appliances with accessories
Liberty Home Guard provides coverage plans for duplexes’ appliances and home systems through its home warranty services. They offer three comprehensive plans, namely Systems Guard, Appliance Guard, and Total Home Guard, that start at $54.99, $49.99, and $59.99 per month, respectively. These plans are fully customizable with additional coverage options such as plumbing fixtures and central vacuum for an additional fee.
The company has a vast network of licensed contractors to handle service requests, with a service call fee ranging from $65 to $125 and a payout limit of $1,600 per item. One of the significant advantages of Liberty Home Guard is that duplex owners do not require a home inspection to be eligible for coverage. Additionally, the company covers appliances and systems, regardless of their age, as long as they are in good working condition.
However, Liberty Home Guard does not cover damages resulting from human error, negligence, or natural disasters. The company also excludes coverage for appliances with accessories.
Other companies we considered
AFC Home Club
Duplex owners can protect their home systems and appliances with AFC Home Club’s hybrid policies. The company provides a user-friendly service cap of $1,500 to $2,000 for many common systems and appliances, with HVAC systems exempt from coverage caps, making it a great addition for the company. However, they only cover issues that arise after they begin providing service, and exclusions are listed on their website.
The base-level contract has annual premiums starting at $395, which is competitive in the industry, and includes a 30-day refund policy. AFC Home Club offers service fees of $75, $100, and $125, and allows customers to work with out-of-network contractors as long as they are licensed, bonded, and insured. However, there is a 30-day waiting period, and if a claim is filed before this period, the maximum payout amount is limited to $150.
AFC Home Club is a member of the NHSCA and has maintained accreditation with the Better Business Bureau since 2009, with a B rating. Their website is user-friendly, featuring a personalized quote calculator, sample contract, and detailed explanation of coverage for each item, making it easy for duplex owners to make informed decisions.
First American Home Warranty
For duplex owners, First American Home Warranty is an excellent option for protecting their home systems and appliances. The company offers two plans: Basic and Premier coverage. While the Basic coverage plan primarily covers kitchen appliances, the Premier coverage plan provides complete protection for all major home systems and appliances.
First American Home Warranty has higher coverage limits compared to other home warranty providers, with limits ranging up to $3,000 for kitchen refrigerators, $1,500 for heating systems, and $500 for ductwork. The annual premiums for the plans range from $300 to $500, making them reasonably priced within the home warranty industry.
The company allows customers to enroll and get quotes online, and the standard contract term is 12 months. First American Home Warranty also offers one of the most affordable service call fees in the industry, ranging from $75 to $100. They have a vast network of prescreened contractors and technicians, along with a 24/7 claims department.
Their contracts are easy to understand; however, customers are advised to read the warranty agreements thoroughly, as the company has different cancellation policies based on geographical location. First American Home Warranty is a BBB-accredited business with a B+ rating and a composite score of 2.82 out of 5 stars based on 321 customer reviews, making it a reliable option for duplex owners.
Old Republic Home Warranty
When it comes to duplexes, Old Republic Home Protection is a company with a long-standing reputation of over 45 years in the home warranty industry. They cover a variety of systems and appliances, with coverage varying by state. Interestingly, in some locations, the company provides coverage for smart home equipment and electronics, as well as pest control treatments.
While Old Republic Home Protection holds an A+ rating from the Better Business Bureau, it is worth noting that they do not offer online quote requests or application submissions for their home warranty services. This may pose an inconvenience for those who prefer digital handling of tasks. However, their customer service is available to answer any questions and provide more information. Overall, with their extensive experience and comprehensive coverage options, Old Republic Home Protection is a company worth considering for duplex owners in need of a home warranty.
Select Home Warranty
As a duplex owner, you might want to consider Select Home Warranty for protecting your appliances and major home systems. They offer three plans: Bronze Care, Gold Care, and Platinum Care, with the Platinum Care plan providing the most extensive coverage. Each plan comes with a 90-day repair guarantee, and you can choose to pay monthly or annually. Plus, there’s an option to add extra coverage for central vacuum, lawn sprinkler system, pool, and more.
Select Home Warranty operates by allowing customers to file claims through an online form or email, and they provide their own contractors or contractors from their network. However, the company does have limitations on coverage, including damages caused by acts of nature and foundation/structural issues.
It’s essential to know that Select Home Warranty has restrictions on what they cover, and there are caps on repair and replacement costs for certain items. Therefore, it’s recommended to review the contract terms carefully and reach out to a representative if there are any questions about what is excluded from coverage.
Best Home Warranties For Duplex Guide
Before purchasing a home warranty for a duplex, there are a few key things to keep in mind. Here are some of the most important considerations:
- Your property’s specific needs: Because duplexes have unique systems and appliances, it’s important to find a company that offers home warranty coverage for these items. Consider the age and condition of your property, as well as any existing issues that may require attention.
- Coverage options: When comparing home warranty plans, look for one that offers comprehensive coverage for both home systems and appliances. Some providers may offer add-on coverage for specific items, such as pools or septic systems.
- Exclusions and limits: Be sure to carefully review each warranty’s exclusions and limits to ensure that you fully understand what is covered and what is not. Some warranties may have limits on the number of service calls or the total cost of repairs.
- Service providers: Consider the reputation and availability of the service providers that the warranty company works with. You want to ensure that you’ll have access to qualified professionals who can quickly and efficiently handle any issues that arise.
- Cost: Home warranty costs can vary widely, so it’s important to find one that fits within your budget. Be sure to consider the cost of the plan itself, as well as any deductibles or service call fees that may apply.
How does a home warranty for a duplex work?
A home warranty is a service contract that covers the repair or replacement of your home’s major systems and appliances. When you sign up for a home warranty plan, you’ll pay a monthly or annual fee to the warranty provider. If a covered item suffers a breakdown or stops working due to normal wear and tear, you can file a service request with the warranty company. They will then dispatch a service provider to your property to diagnose the issue and provide the necessary repairs or replacement.
It’s important to note that home warranties do not cover pre-existing conditions or issues that are caused by neglect or misuse. Additionally, there may be coverage limits and exclusions that vary between providers and plans, so it’s important to carefully review the terms of your warranty contract.
What does a home warranty for a duplex cover?
The specific coverage provided by a home warranty for a duplex will depend on the plan and provider you choose. In general, however, most home warranty plans cover the following items:
- HVAC systems, including air conditioning and heating systems
- Plumbing systems and stoppages
- Electrical systems
- Major appliances, such as refrigerators, ovens, and dishwashers
- Garbage disposals
- Built-in microwaves
- Garage door openers
- Air conditioners
- Water heaters
- Cooktops
- Exhaust fans
Some home warranty plans may also offer coverage for additional items, such as well pumps, central vacuums, or septic systems. It’s important to carefully review the coverage options and exclusions of each plan to ensure that you select one that meets your specific needs.
When is a home warranty for a duplex necessary?
A home warranty for a duplex may be a good investment in the following situations:
New home purchases
If you’re purchasing a newly built duplex, a home warranty can provide added peace of mind and protection against unexpected repairs.
Older properties
If your duplex is older or has outdated systems and appliances, a home warranty can help cover the cost of repairs or replacements that may be necessary.
Rental properties
If you own a duplex that you rent out to tenants, a home warranty can provide protection against unexpected repair costs and help ensure that your tenants are happy with the condition of the property.
Limited savings
If you don’t have a significant amount of savings set aside for home repairs, a home warranty can provide a safety net.
Best Home Warranties For Duplex FAQs
What is the difference between duplex insurance and a home warranty for a duplex?
Homeowners insurance, also known as landlord insurance, is a type of insurance policy that provides protection for real estate. It typically covers the structure of the building, as well as any liability issues that may arise from renting out the property. A home warranty, on the other hand, is a service contract that covers specific appliances and systems in your home due to normal wear and tear.
What types of duplex properties are covered in a home warranty?
Most home warranty providers offer coverage for a wide range of duplex properties, including single-family homes, condos, and rental properties. However, coverage options may vary depending on the provider, so it's important to carefully review the terms of any plan you're considering.
Who pays for a home warranty for a duplex?
In most cases, the homeowner or landlord is responsible for paying for a home warranty for a duplex. However, some landlords may choose to include the cost of a home warranty in the rent or lease agreement.
How does a home warranty for a duplex work in a rented unit?
If you're a landlord and you've purchased a home warranty for your duplex, your tenants can request service for covered items by contacting the service provider directly.
How we chose the best home warranties for duplex
To determine the best home warranties for duplex, we conducted extensive research on various home warranty companies, looking at factors such as coverage options, pricing, plan flexibility, and customer reviews. We also considered each company’s reputations in the industry, including their financial stability and service provider networks. Here are some of the key factors we used to determine the best home warranties for duplex:
Coverage Options: We looked for home warranty companies that offer comprehensive coverage options for duplex properties. This includes coverage for major home appliances, HVAC systems, plumbing, and electrical systems, among others.
Pricing and Plan Flexibility: We considered the cost of home warranty plans, including any deductibles and service call fees, to ensure that they are affordable for homeowners. We also looked for companies that offer customizable plans, allowing homeowners to tailor their coverage to their specific needs.
Service Provider Network: We reviewed the service provider networks of each home warranty company, looking for companies with a wide network of experienced and reliable contractors. This is important to ensure that repairs and replacements are completed quickly and efficiently.
Customer Reviews: We considered customer satisfaction in each home warranty review to get a sense of their overall reputation in the industry. This helped us to identify companies that provide excellent customer service and have a proven track record of resolving claims quickly and fairly.
Overall, we believe that the eight home warranty companies listed in this article are among the best options for duplex homeowners looking for reliable and affordable home warranty coverage.
