When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
With hot summers and cool winters, maintaining your home appliances and systems, particularly HVAC, are extremely important for homeowners in the Chatham area of Illinois.
Finding the best home warranty on the market can be quite difficult because there are dozens of companies to choose from. That's why the House Method team did the research and made a list of the best home warranty companies in Chatham for you.
Selecting the right home warranty in Chatham for you and your family comes down to the kind of coverage you want, the home warranty provider you opt for, and where you live, among other factors. Here is a list of factors that you'll want to consider when selecting a home warranty provider:
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
In Chatham, Choice Home Warranty offers the best overall home warranty. 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. The 2 plans from Choice are easy to understand and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Chatham area.
For a more detailed breakdown, read our detailed review of Choice Home Warranty. 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
In Chatham, Select Home Warranty offers the most cost-effective home warranty. 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. The 3 home warranty plans that Select has include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for many major systems and appliances, and 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. Read our comprehensive review of Select Home Warranty to learn more.
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 Chatham. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a combination 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.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our 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 offers the best home warranty with the quickest service for Chatham residents. 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. HSC offers 2 plans for you to choose from.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our review of The Home Service Club. To get 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
In Chatham, Liberty Home Guard is the most trustworthy home warranty. 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. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $75.
Read our comprehensive review of Liberty Home Guard to learn more. To receive 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 Chatham residents. Cinch is a home warranty provider with 43 years of experience in the industry, and it has become one of the best providers in the business. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Chatham homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Chatham area.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Chatham
A home warranty is a protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty 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 start using it.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal system 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. Once you file the claim, it will be assigned to a local repair person that will come to your home and take a look at the issue. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
Home warranties help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. Typical appliances covered by a home warranty include a washer, microwave, dryer, garbage disposal, dishwasher, refrigerator, and more. The systems that are most commonly covered will be hot water heaters, plumbing systems, electrical systems, air conditioners, and heating systems. Add-on coverage will vary from one plan to the next, but you can expect to see things such as electronics, spas, central vacuums, pools, sump pumps, and roof leaks.
A Chatham home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a Chatham home warranty.
Since temperatures in Chatham can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Plus, having a home warranty can save you time by getting rid of the need to research contractors--most companies will send a trusted professional right to your door to complete the necessary repair or replacement.
One downside of buying a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read over any contracts you're considering carefully to understand what is included and what isn't. In addition, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Although home warranties do have some drawbacks, whether during winter, summer, or the months in between, a home warranty can help lower the inevitable hassle of home appliances and system repairs, giving you a little peace of mind.
We hope you now feel positive that you can choose a home warranty company in Chatham after reading through our guide. Choice Home Warranty is the best overall home warranty provider in Chatham. It offers great coverage at an affordable cost. However, other providers reviewed above also give great coverage choices for Chatham residents.
Our pick for the best overall home warranty company in Chatham is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty protects against the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something like a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster.
A home warranty plan can help homeowners, investors, homebuyers, real estate agents, and home sellers. It can provide peace of mind and savings to anyone that is involved with homeownership.
The systems and appliances in a home are covered under a home warranty policy in Chatham. Everything from a fridge to a washer can be covered under a home warranty.
A home warranty can cost on average anywhere from around $300 to $800 a year in Chatham. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty policy, you won't have any large hits to your bank account for home maintenance.