A home warranty in Champaign City can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
With the weather patterns common in Champaign City, homes can experience quite a bit of wear and tear in the long run. There's nothing worse than having your heater go out in the middle of winter.
Because the home warranty market is filled with a variety of providers — all with different plans — our team at House Method did the research for you to help you find the right home warranty in Champaign City.
Picking the best home warranty in Champaign City for you comes down to the coverage you need, the home warranty company you opt for, and where you live, among other factors. Before deciding which home warranty to purchase, here are a few additional 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 Champaign City residents. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. When you buy a policy 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 Champaign City, Select Home Warranty offers the most cost-effective home warranty. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to choose from.
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 with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full review.
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 in Champaign City. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
American Home Shield offers 3 plans for Champaign City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Champaign City area.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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
In Champaign City, The Home Service Club offers the best home warranty with the quickest service. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to understand and offer a mix of both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Champaign City area.
To read more, visit our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 is the most trustworthy home warranty for Champaign City residents. Liberty has 3 simple plans, making the selection process easy. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our detailed review of Liberty Home Guard.
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
In Champaign City, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for over 43 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for homeowners to decide between.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our full review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Champaign City
A home warranty is a service contract that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will cover a 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 pay to the time you can file your first claim.
Filing a claim with your home warranty company is very straightforward. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will also need to pay your service fee. Once the repair technician takes a look at the issue, they will deal with it at no cost to you. The only time a homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty will cover systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are usually the microwave, garbage disposal, refrigerator, dryer, dishwasher, and more. Systems that are covered usually include plumbing systems, water heaters, electrical systems, heating systems, and air conditioners. Add-on coverage will vary from plan to plan, but you can expect to see add-ons like central vacuums, sump pumps, pools, spas, roof leaks, and electronics.
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 home and follow preventative maintenance guidelines, your home warranty will not cover it. Things such as cosmetic damages, lack of maintenance, pre-existing conditions, and misuse are excluded from a home warranty policy.
Champaign City's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending a lot of money out of pocket.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most.
As for the disadvantages of home warranties, coverage varies by provider so it's important to review what each policy covers and excludes in the contract. Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won't cover home systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
It's not always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be advantages and disadvantages of purchasing one but its main purpose is to offer you protection and peace of mind.
A home warranty can save you a decent amount of money on home maintenance and give you peace of mind as a homeowner in Champaign City. Choice Home Warranty stands out as the best overall provider. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable cost.
The top home warranty company in Champaign City is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a respected reputation in the Champaign City area.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
Home buyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. 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 cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
A home warranty plan can cost on average about $300 to $800 a year in Champaign City. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically 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, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
