A home warranty in Monticello can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Homeownership in Monticello can be an exciting step for many people, but it also comes with its fair share of worries. Repairing your home's systems and appliances can be an unanticipated financial burden for many homeowners.
Finding the best home warranties on the market can be challenging because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide on the top home warranty providers in Monticello.
Selecting the best home warranty in Monticello for you and your family comes down to the kind of coverage you need, the home warranty company you go with, and your location, among other factors. When considering which home warranty provider is the best fit for you, here are some important factors to bear in mind:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty is the best overall home warranty for Monticello residents. The 2 home warranty plans that Choice has include options for appliance and system coverage. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Monticello, Select Home Warranty offers the most cost-effective home warranty. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 policies that Select has include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield offers the most customizable home warranty for Monticello residents. AHS is a home warranty provider with 25 years of experience in the industry, and it has become one of the best providers in the business. AHS has 3 plans for you to decide between. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our thorough review of American Home Shield.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Monticello. HSC is a home warranty provider with 14 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Monticello. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard Review.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Monticello. First American has 2 plans for homeowners to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 for each covered system or appliance.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Monticello residents. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Monticello
A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time they start.
Filing a claim with your home warranty company is very easy. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will typically happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear . Appliances covered under a home warranty plan are the refrigerator, dishwasher, microwave, dryer, garbage disposal, and more. Systems that are covered usually include plumbing systems, heating systems, air conditioners, electrical systems, and water heaters. You can also opt to pay extra for add-on coverage for items like swimming pools, roof warranty, spas, and septic systems.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in a home warranty policy.
Another added benefit of having home warranty coverage is that it can increase your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the provider you purchased your home warranty through.
Home warranties also have some cons. While it can give you less to worry about since the home warranty sends out a service technician who takes care of the repair for you, some people may not like this, and they may want to select their own contractor. If that's important to you, some home warranty companies allow you to select a contractor. Another downside is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
Owning a home is a big responsibility that can be costly, but worthwhile. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to weigh before purchasing a policy.
A home warranty in Monticello can save you thousands of dollars and offer you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty stands out as the best overall home warranty. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
Our pick for the best overall home warranty in Monticello is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include dryers, dishwashers, washing machines, refrigerators, garbage disposals, water heaters, heating and cooling systems, plumbing, sump pumps, and electrical systems, among others. Some plans also provide coverage for garage door openers, ceiling fans, pools, and roofs. A home warranty can help you save money if these items fail unexpectedly.
A home warranty plan covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or dishwasher, unless the damage is due to a natural disaster.
Typically coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty plan can cost on average anywhere from about $300 to $800 a year in Monticello. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.