A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
South Elgin is a great place to buy a home. However, along with all the positives of homeownership, there are often a few negatives, too. One of the biggest headaches for many homeowners is that systems and appliances can need to be replaced unexpectedly.
Choosing the best home warranties on the market can be challenging because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty providers in South Elgin.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is the best for you. Consider the items in your home you'd like coverage for and compare the plans. Below are some factors to consider when purchasing a home warranty in South Elgin:
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 South Elgin residents. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from Choice Home Warranty: 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 system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 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
Select Home Warranty offers the most cost-effective home warranty for South Elgin residents. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to understand and offer both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: 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 be sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 South Elgin. AHS has over 25 years of industry experience and in that time has built a an expansive network of service professionals in the country. AHS offers 3 plans for you to choose from. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
Read more by visiting our comprehensive review of American Home Shield. To get a free quote from American Home Shield, 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 offers the best home warranty with the quickest service in South Elgin. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our The Home Service Club full review 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
In South Elgin, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. 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. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the South Elgin area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our full 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 South Elgin residents. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. 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.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
For a more detailed breakdown, read our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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 South Elgin
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and protect your savings account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty company. Most companies have an online portal system to help you do this. After 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 your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum amount per appliance that the home warranty will cover for repairs and replacements.
A home warranty in South Elgin usually covers the main systems and appliances in the house. The appliances typically covered under a home warranty include garbage disposal, microwave, clothes washer, clothes dryer, dishwasher, refrigerator, and more. The systems usually included are plumbing systems, ductwork, hot water heaters, electrical systems, and air conditioners. Add-on coverage options can vary from one plan to another but often include things such as a central vacuum, septic system, plumbing stoppages, second refrigerator, and sprinkler system.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are not included in the home warranty policy.
South Elgin's cold winters 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 in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Plus, having a South Elgin home warranty can help 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 plan to a new owner and give them the protection you've been benefiting from.
As for the downsides of home warranties, home system and appliance coverage varies by provider so it's important to review what each plan covers and doesn't include in the contract. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
It's not 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 pros and cons of buying one but its main purpose is to offer you protection and peace of mind.
A home warranty in South Elgin can save you a lot of money and offer you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty stands out as the best overall provider. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for South Elgin homeowners.
The top home warranty provider in South Elgin is Choice Home Warranty. Choice Home Warranty has a large network of experienced repair technicians and a tremendous reputation in the South Elgin area.
A home warranty helps protect against the normal wear of home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster.
Typically coverage for a home warranty plan begins 30 days after payment. However, a few providers may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your situation.
A service fee is a cost that you pay before a service technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place apart from the monthly premium/annual cost.
A home warranty in South Elgin can cost anywhere from $40 to $80 a month. The higher-priced plans typically have a lower service fee, higher coverage limits, and more coverage.
