A home warranty in Galesburg City can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Many living in Galesburg City have made their dream of owning a home into a reality. However, as great as Galesburg City can be, there are always stressors that come with owning a home, such as keeping your home's systems and appliances maintained.
Finding the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the top home warranty companies in Galesburg City.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is the best for you. Think about the items in your home you want coverage for and compare the plans. Here is a list of some factors to consider when purchasing a home warranty in Galesburg City:
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 Galesburg City. Choice has 2 plans for you to decide between. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting 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
Select Home Warranty offers the most cost-effective home warranty for Galesburg City residents. Select offers 3 plans for you to choose from. 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.
The 3 plans from Select Home Warranty are 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 make sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Galesburg City. AHS has been in the home warranty industry for over 25 years. 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 and policy coverage easily understandable.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to 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, you can fill out this online form or call 888-365-2839. To read more, visit 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 Galesburg City residents. HSC has over 14 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Galesburg City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our full 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 Galesburg City, Liberty Home Guard is the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
Read more by visiting our review of Liberty Home Guard. 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 offers the home warranty with the best workmanship guarantee for Galesburg City residents. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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 Home Services offers 3 plans for Galesburg City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 less than other providers in the Galesburg City area.
Read our review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, 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 Galesburg City
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can offer you some peace of mind and protect your savings account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty plan.
For Galesburg City homeowners, when a problem comes up with a covered appliance or system, it is very simple to file a claim. Most home warranty providers have an online portal where you can file a claim. At this point, you will pay your service fee, which is generally between $60 and $150 depending on what plan you have. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
A home warranty offers coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. Typical appliances covered by a home warranty plan include a refrigerator, dryer, microwave, washer, dishwasher, garbage disposal, and more. The systems that are most commonly covered will be heating systems, hot water heaters, air conditioners, electrical systems, and plumbing systems. Add-on options can vary by provider but often include things such as a central vacuum, sprinkler system, septic system, second refrigerator, and plumbing stoppages.
An important thing to note is that home warranties only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are not included in the home warranty policy.
Plus, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential home buyers and maybe even make your home sell faster.
Home warranties also have some drawbacks. Although it can save you time when the home warranty sends out a service technician who handles the repair for you, some homeowners may not like this, and they would rather select a contractor themselves. If that's the case for you, some home warranty providers allow you to select a contractor. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Like any other type 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.
A home warranty can save you a lot of money on home repairs and give you peace of mind as a homeowner. When it comes to home warranty companies in Galesburg City, the best overall is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Galesburg City homeowners.
Our pick for the best overall home warranty company in Galesburg City 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 is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dryers, dishwashers, washing machines, refrigerators, sump pumps, electrical systems, heating and cooling systems, water heaters, and plumbing, among others. Some companies also offer coverage for garage door openers, ceiling fans, pools, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty policy can help homeowners, homebuyers, real estate agents, investors, and home sellers. It can offer 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 plan in Galesburg City. Everything from a stove to a garage door can be covered under a home warranty.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
Many homeowners find a home warranty is worth it because it helps protect against unexpected expenses. If you're worried about your finances and your ability to keep your home in good working order, having a home warranty can help. One of the major pluses of a home warranty is that it can provide you some financial peace of mind.