When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership.
With hot summers and cool winters, working home appliances and systems, particularly HVAC, are extremely important for homeowners in the Waterloo area of Illinois.
Finding the best home warranties on the market can be challenging because of the many options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the top home warranty companies in Waterloo.
After researching home warranties in Waterloo, your next step is to figure out which company you'd like to get a free quote from. Here are some tips on buying a home warranty in Waterloo:
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 Waterloo. 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 offers 2 plans for homeowners to choose from.
Choice Home Warranty offers 2 plans for Waterloo homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Waterloo area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty full review.
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 Waterloo, Select Home Warranty offers the most cost-effective home warranty. When you purchase 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. Select has 3 simple plans, making the selection process quick and easy.
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 be sure to check with the company. Service fees are a reasonable $60.
For more information, read 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 offers the most customizable home warranty in Waterloo. AHS has about 25 years of experience in the home warranty industry and in that time has built a an expansive network of service technicians in the country. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered system or appliance.
To read more, visit 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 is the best home warranty with the quickest service for Waterloo residents. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. When you buy a home warranty 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC 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 customizable and range from $65 to $90.
To read more, visit our The Home Service Club full review. 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 Waterloo. 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 home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. To get 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
In Waterloo, 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. Cinch offers 3 plans for you to choose from.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
For more information on this provider, read our review of Cinch Home Services. 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 Waterloo
A home warranty is a home protection plan that can cut back on the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Waterloo home comfortable and convenient. When they start to break down, it can be expensive and a pain. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that has an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. At this point, you will also need to pay your service fee. Once the repair technician fixes the problem, they will take care of it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, your home warranty company can help. The appliances commonly covered under a home warranty plan are the oven, dryer, microwave, washing machine, dishwasher, refrigerator, and more. System coverage typically includes plumbing, heating systems, electrical systems, air conditioning, water heaters, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as pools, electronics, spas, central vacuums, sump pumps, and roof leaks.
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 misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Temperatures in Waterloo can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Waterloo, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Plus, having a Waterloo 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 same protection you've been benefiting from.
As for the drawbacks of home warranties, coverage varies by company so it's important to understand what each plan covers and excludes in the contract. In addition, 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 other than normal wear and tear — the home warranty may not cover it.
A home warranty can be the solution to some of a homeowner's maintenance worries, but ultimately, it's up to you to decide whether or not investing in one is a good choice for you and your family. Make sure you do your research and read over any home warranty contracts that you're considering buying to understand what repairs will and will not be covered under your contract.
A home warranty can save you a decent amount of money on home repairs and give you peace of mind as a homeowner. Choice Home Warranty stands out as the best overall provider. Choice Home Warranty offers home warranties with great coverage at an affordable cost.
The best overall home warranty company in Waterloo is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers the repairs and replacements of major home systems and appliances.
Typically coverage for a home warranty policy begins 30 days after payment. However, a few companies may let you file a claim before this, so check with customer service to find the exact waiting period for your situation.
Most home warranties will cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Many homeowners feel like a home warranty is a good investment because it can help protect against unforeseen expenses. If you're worried about your budget and home maintenance, getting a home warranty can help. One of the big pluses of a home warranty is that it can offer you some financial peace of mind.