When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership.
Elgin is a place that has so much delicious food, great weather, and some great homes. Homeownership in Elgin has many benefits associated with it, but some negatives come hand in hand with it as well. For one, ensuring that your home's systems and appliances stay in working condition can make Elgin homeownership quite costly.
Because the home warranty market is saturated with many providers — all with different coverage — our team at House Method did the research for you to help you find the right home warranty in Elgin.
Once you're ready to sign up for a home warranty plan, the first step is figuring out what appliances and systems you need coverage for. After that, you can compare plans and contact different home warranty companies to get a free quote. Before making your final decision, here are a few other 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 offers the best overall home warranty for Elgin residents. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. 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 Home Warranty offers 2 plans for Elgin homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Elgin area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Elgin, Select Home Warranty offers the most cost-effective home warranty. When you purchase a home warranty 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. Select has 3 simple plans, making the selection process easy.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
For more information, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can 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
In Elgin, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for about 25 years. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Elgin homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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 receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Elgin. The 2 plans from HSC are easy to understand and have a mix of both system and appliance coverage. When you buy 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our thorough review of The Home Service Club to learn more. To get a free quote from The Home Service Club, you can 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 offers the most trustworthy home warranty in Elgin. When you buy a plan 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 offers 3 plans for homeowners to decide between.
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 of the 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 give them a call at 866-451-2281. For a more detailed breakdown, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Elgin residents. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. When you buy a home warranty 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.
The plans that Cinch offers to homeowners are 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 most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our thorough review of Cinch Home Services to learn more.
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 Elgin
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Elgin home comfortable and convenient. When these things need updating, it can be pricey and a headache. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
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 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 submit the claim, it will be assigned to a local service technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty in Elgin usually covers the main systems and appliances in the house. Appliances covered under a home warranty plan are typically the dishwasher, refrigerator, dryer, garbage disposal, microwave, and more. Systems that are covered usually include air conditioners, heating systems, electrical systems, plumbing systems, and water heaters. The add-on coverage options can include roof leak, septic system, pool, spa, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, lack of maintenance, cosmetic damages, and misuse are excluded from the home warranty policy.
Since temperatures in Elgin can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working unexpectedly.
Another added benefit of having home warranty coverage is that it can increase your home's real estate 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. Though it can be convenient that the home warranty sends out a repair person who carries out the repair for you, some homeowners may not like this, and they would prefer to choose a contractor themselves. If that's important to you, some home warranty providers allow you to choose a contractor. Another thing to consider is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you need more information or if this is a problem for you.
It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you 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 in Elgin can save you a lot of money and give you peace of mind when it comes to costly home repairs and replacements. The best provider in Elgin is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Elgin homeowners.
The best overall home warranty in Elgin is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of systems and appliances in a home. Homeowners insurance protects a home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster.
The systems and appliances in a home are covered under a home warranty in Elgin. Everything from a fridge to a pool can be covered under a home warranty.
A home warranty plan can cost on average about $300 to $800 a year in Elgin. Our high-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. In addition, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a 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 value is.
Homeownership can be costly. 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 just to keep your home up and running.