A home warranty in Ela can help decrease 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 hot summers and cool winters, maintaining your home appliances and systems, specifically HVAC, are extremely important for homeowners in the Ela area of Illinois.
Choosing the best home warranties on the market can be quite a challenge because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide to the top home warranty providers in Ela.
Once you're ready to purchase a home warranty policy, the first step is thinking about what items you need coverage for. After that, you can compare plans and contact different home warranty companies for a free quote. Here are some factors to consider when purchasing a home warranty in Ela:
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 offers the best overall home warranty in Ela. 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 easily comprehensible and offer both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our full 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
Select Home Warranty is the most cost-effective home warranty for Ela residents. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read 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 is the most customizable home warranty for Ela residents. AHS has over 25 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 the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500.
Read our review of American Home Shield to learn more. 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
The Home Service Club is the best home warranty with the quickest service in Ela. 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. HSC has 2 plans for you to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive 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 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 Ela, Liberty Home Guard offers the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Ela homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Ela area.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our comprehensive 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Ela. Cinch has 3 simple plans, making the selection process easy. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and 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. For more information on this provider, read our 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 Ela
A home warranty is a money savings plan 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.
For Ela homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be filed. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty company. The appliances commonly covered under a home warranty plan are the washing machine, dishwasher, refrigerator, dryer, oven, microwave, and more. System coverage typically includes water heaters, air conditioning, plumbing, heating systems, electrical systems, and more. The add-on coverages can include roof leak, pool, septic system, spa, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are not included in the home warranty policy.
Ela is known for its cold winters, and if you live in Ela, you know that the weather can be unpredictable. During the winter months, your heating system can be overworked in its effort to combat the cold. If your heater did break down, a home warranty can cover repairs and help cut back on your out-of-pocket expenses.
Additionally, having a Ela home warranty can make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been receiving.
One disadvantage of a home warranty is that there are generally 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 through any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the systems and appliances that were affected most likely won't be covered by the home warranty.
Whether or not a home warranty is worth it comes down to your personal preference. Like any other sort of insurance policy or warranty, it's there to offer you some peace of mind, so you will have to decide how much that is worth to you.
Hopefully, this review of Ela's top home warranty companies has helped you narrow down your choices and ultimately decide on a plan. All of these top home warranty companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
Our pick for the best overall home warranty in Ela is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty policies cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a larger insurance that protects one's entire home from natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Home warranties 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 plan covers, you will have to pay the rest out of pocket.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty except for the monthly premium/annual cost.
