A Champaign home warranty policy can help protect home buyers and current homeowners by covering major repairs and replacements on your home's appliances and systems.
With the weather patterns common in Champaign, homes can go through quite a bit of wear and tear over time. There's nothing worse than having your heater go out in the middle of winter.
Finding the right home warranty plan for your Champaign home can be difficult, so our team at House Method did the research for you to help you find the best home warranty in Champaign. Keep reading for our home warranty recommendations and learn which plan works best for your home.
After reviewing the basics of home warranties in Champaign, the next step is to determine which company you're interested in getting a free quote from. Before making your final decision, 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 in Champaign. Choice has been on the market for about 14 years, making it a well-regarded company in the industry. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
Choice Home Warranty offers 2 plans for Champaign homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
Read our Choice Home Warranty full review to learn more. To receive a free quote from Choice Home Warranty, you can 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
Select Home Warranty is the most cost-effective home warranty for Champaign residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
For a more detailed breakdown, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or call 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 is the most customizable home warranty in Champaign. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Champaign homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our detailed review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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, The Home Service Club is the best home warranty with the quickest service. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Champaign area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our thorough 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
In Champaign, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Champaign area.
Read more by visiting our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 is the home warranty with the best workmanship guarantee for Champaign residents. Cinch has more than 43 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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 company offers 3 plans to policyholders, which have various options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our full review of Cinch Home Services.
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
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can offer you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will also have to pay your service fee. Once the contractor looks at the problem, they will handle it at no cost to you. The only time a Champaign 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 plan offers coverage on your home's major appliances and systems and it can help bring down your home maintenance expenses. Appliances covered under a home warranty plan are usually the dishwasher, garbage disposal, dryer, refrigerator, microwave, and more. Systems that are covered usually include electrical systems, heating systems, water heaters, air conditioners, and plumbing systems. Add-on coverage will vary from one plan to another, but you can expect to see things like spas, pools, electronics, roof leaks, central vacuums, and sump pumps.
A Champaign home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Champaign home warranty.
Not only can a Champaign home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet technicians yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a service technician who does the repair for you, some people may not like this, and they may want to select a contractor themselves. If that's the case for you, some home warranty providers allow you to select a contractor. Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won't cover systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Like any other kind of insurance policy or warranty, its purpose is to provide you a sense of protection, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel as though you can select the proper home warranty for your Champaign home. Choice Home Warranty is the best overall home warranty provider in Champaign. It offers great coverage at an affordable monthly cost. However, other companies reviewed above also give great coverage choices for Champaign residents.
The top home warranty provider in Champaign is Choice Home Warranty. Choice Home Warranty has a large network of experienced technicians and a respected reputation in the Champaign area.
First-time home buyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty companies have a 30-day waiting period before you can file claims, but some may allow you to file sooner so make sure you check with the company about this.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Most home warranty plans are going to cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
A Champaign home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have higher coverage limits, a lower service fee, and more coverage.