A home warranty in Terre Haute can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Being a homeowner in Terre Haute is an excellent option for those who enjoy up and coming cities. However, as great as Terre Haute is, homeownership always comes with its fair share of negatives, such as trying to finance your appliance and system repairs yourself.
Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the best choice for your Terre Haute home. That's why we've done the research and have made a guide of the top home warranty companies in Terre Haute.
After reviewing the basics of home warranties in Terre Haute, the next step is to decide which company you want to receive a free quote from. Here is a list of some tips on purchasing a home warranty in Terre Haute:
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 for Terre Haute residents. Choice has been on the market for more than 14 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process easy. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To read more, visit our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 Terre Haute, Select Home Warranty is the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
For more information on this provider, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 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 for Terre Haute residents. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Terre Haute area.
To get a free quote from American Home Shield, 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
In Terre Haute, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can benefit from 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. HSC has 2 simple plans, making the selection process quick and easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To get 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 for Terre Haute residents. Liberty is a home warranty provider with 5 years of experience in the industry, and it has proved to be one of the best providers in the business. With a home warranty from Liberty, you can enjoy 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 home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 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 an affordable $75.
To read more, visit our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Terre Haute, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for over 38 years. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Terre Haute area.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Terre Haute residents. Cinch has 3 plans for you to choose from. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 Terre Haute area.
Read more by visiting our review of Cinch Home Services. To get 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 Terre Haute
A home warranty is a service contract that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. Home warranty plans usually have a thirty-day waiting period from the time you pay to the time they start.
When one of your systems or appliances experiences an issue, you file a claim with your service provider. You can do so in an online portal or by telephone, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty provider. Typical appliances covered under a home warranty plan include a microwave, refrigerator, garbage disposal, dryer, washer, dishwasher, and more. The systems that are most commonly covered will be plumbing systems, electrical systems, heating systems, hot water heaters, and air conditioners. Add-on coverage will vary from one plan to the next, but you can expect to see things like central vacuums, sump pumps, roof leaks, electronics, pools, and spas.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things like cosmetic damages, misuse, pre-existing conditions, and lack of maintenance are not included in a home warranty policy.
Temperatures in Terre Haute 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 Terre Haute, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Another added benefit of having a home warranty policy is that it can increase your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
One main drawback of a home warranty is not every home system and appliance may be covered. It's important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need. Another thing to keep in mind is that some companies don't cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you aren't sure or if this is an issue for you.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of buying one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel positive that you can choose a home warranty company in Terre Haute after reading our guide. Choice Home Warranty is the best overall home warranty provider in Terre Haute. With its comprehensive plans, affordable cost, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty in Terre Haute 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 covers the normal wear and tear of home systems and appliances. Homeowners insurance protects your home in a situation like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
Most home warranties cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
A home warranty plan can cost on average about $300 to $800 a year in Terre Haute. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment 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, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.
