A home warranty can offer you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
With hot summers and cool winters, keeping your home appliances and systems working, particularly HVAC, are extremely important for homeowners in the Pana area of Illinois.
Because the home warranty market is saturated with a lot of providers — all with different price points — the House Method team did the research for you to help you find the best home warranty in Pana.
After researching the basics of home warranties in Pana, the next step is to figure out which company you'd like to get a free quote from. When figuring out which home warranty company is the right one for you, here are some important factors to keep 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 in Pana. 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 comprehend and offer a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many major systems and appliances, and 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 a more detailed breakdown, read 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 is the most cost-effective home warranty for Pana residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you buy a plan 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.
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 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 call 888-370-3953. For a more detailed breakdown, 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
In Pana, American Home Shield is the most customizable home warranty. The 3 policies that AHS has include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 for Pana residents. HSC has 2 plans for you to decide between. 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, HSC is the perfect provider for you. Plus, it 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. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 is the most trustworthy home warranty in Pana. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty has include options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Pana homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
For more information, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 Pana residents. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To read more, visit our Cinch Home Services full review. To receive 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 Pana
A home warranty is a protection plan 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 provide some peace of mind and protect your bank account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty plan.
For Pana homeowners, when an issue arises with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal where you can submit a claim. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will usually happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your washing machine suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. The appliances that are typically covered under a home warranty include clothes dryer, dishwasher, microwave, clothes washer, refrigerator, garbage disposal, and more. The systems usually included are ductwork, hot water heaters, electrical systems, plumbing systems, and air conditioners. Many plans also offer add-on coverage options like locksmith, central vacuum, septic systems, and even roof leaks.
A Pana home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Pana home warranty.
Pana's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a Pana home warranty can help make your house more appealing to potential home buyers should you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been receiving.
There are also some negatives to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another downside is that home warranties may exclude some repairs, like those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were impacted probably won't be covered by the home warranty.
It's not always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. As with any sort of warranty or insurance policy, there will always be benefits and drawbacks of getting one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel as though you can choose the best home warranty for your Pana home. Choice Home Warranty stands out as the best overall provider. It offers great and comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
Our pick for the best overall home warranty company in Pana is Choice Home Warranty but the best company for you will depend 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 dryers, washing machines, dishwashers, garbage disposals, refrigerators, water heaters, plumbing, sump pumps, electrical systems, and heating and cooling systems, among others. Some plans also provide coverage for roofs, garage door openers, ceiling fans, and pools. A home warranty can help you save money if these appliances and systems fail unexpectedly.
A home warranty plan covers the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster.
Home buyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits 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.
