A home warranty in Oswego can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Oswego is a great place to own a home. However, along with all the benefits of homeownership, there are typically a few downsides, too. One of the biggest stressors for many homeowners is that systems and appliances can break down unexpectedly.
Finding the best home warranty on the market can be quite challenging since there are dozens of companies to decide between. That's why our team at House Method did the research and put together a list of the top home warranty companies in Oswego for you.
After reviewing the basics of home warranties in Oswego, the next step is to determine which company you'd like to receive a free quote from. Below is a list of factors that you'll want to take into consideration when picking 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 Oswego, Choice Home Warranty is the best overall home warranty. Choice offers 2 plans for you to choose from. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our thorough 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 Oswego, Select Home Warranty is the most cost-effective home warranty. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
The plans that Select offers to homeowners 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 most major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our full review of Select Home Warranty.
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 offers the most customizable home warranty in Oswego. AHS has been in business for about 25 years, making it a well-regarded company in the industry. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Oswego area.
To read more, visit our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 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 Oswego. 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. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
The Home Service Club offers 2 plans for Oswego 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 generally around $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.
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 Oswego. Liberty offers 3 plans for homeowners to decide between. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
Read our Liberty Home Guard Review to learn more. To get a free quote from Liberty Home Guard, 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
In Oswego, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch has include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: 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 company. 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 comprehensive 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 Oswego
A home warranty is a protection plan that covers home systems and appliances. When your refrigerator breaks down and the repair is several hundred dollars, a home warranty will ensure that you only have to pay a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. 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. At this point, you will pay the service fee, which is typically 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. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty will cover your home's systems and appliances from normal wear and tear. The appliances include a cooktop, clothes washer, dishwasher, microwave, stove, clothes dryer, refrigerator, and more. The systems included are the plumbing, water heater, heating system, air conditioner, electrical, and more. The add-on coverage options can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
Oswego homeowners should know that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related problem will be covered by the policy.
Since temperatures in Oswego can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
Plus, having a Oswego home warranty can make your house more attractive to potential home buyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you've been getting.
One of the main drawbacks of a home warranty is not every home system and appliance may be covered. It's important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted probably won't be covered by the home warranty.
Homeownership is a big responsibility that can be expensive, but worthwhile. A home warranty is one thing that can help ease the costs of home maintenance, but its worth for you is something you'll have to determine before purchasing a policy.
A home warranty can save you a lot of money on home repairs and give you peace of mind as a homeowner in Oswego. The best provider in Oswego is Choice Home Warranty. It offers great coverage at an affordable monthly or annual cost. However, other companies mentioned above also give great coverage choices for Oswego residents.
The best overall home warranty provider in Oswego is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a type of contract that covers repairing and replacing your major home system components and appliances.
First-time home buyers, homeowners, real estate agents, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
Most home warranties 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 don't expect to have the entire replacement paid for.
A home warranty policy can cost on average around $300 to $800 a year in Oswego. Our top-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. 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. The key is to compare plans to determine what you're really getting for the price.