A home warranty can give you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
Being a homeowner in Cottage Grove is an excellent option for those who enjoy up and coming cities. However, as great as Cottage Grove is, homeownership always comes with its fair share of negatives, such as trying to pay for your home repairs yourself.
Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your Cottage Grove home. That's why we've done the research and have compiled a guide of the top home warranty companies in Cottage Grove.
Finding the right provider for your home warranty is the first step toward protecting your home. Below is a list of some factors to consider when buying a home warranty in Cottage Grove:
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 Cottage Grove residents. Choice offers 2 plans for homeowners to decide between. With a home warranty from Choice, you can enjoy 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. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, 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
Select Home Warranty is the most cost-effective home warranty for Cottage Grove residents. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 some plans may have different coverage caps, so make sure to check with the company. 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. To read more, visit our comprehensive 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
In Cottage Grove, American Home Shield offers the most customizable home warranty. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps 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 Cottage Grove area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information on this provider, read our detailed 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
The Home Service Club is the best home warranty with the quickest service for Cottage Grove residents. 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 and policy coverage easily comprehensible.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Cottage Grove area.
To read more, visit our full review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 Cottage Grove. The 3 plans that Liberty offers include options for appliance and system 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.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
Read more by visiting our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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 Cottage Grove, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 43 years. Cinch offers 3 plans for you to choose from. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Cottage Grove homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered system or appliance.
Read our comprehensive review of Cinch Home Services to learn more. To receive 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 Cottage Grove
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Cottage Grove home comfortable and convenient. When they need updating, it can be pricey and a headache. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal 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. After that, you will pay the 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 plan will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have stopped working from 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 plan include microwave, garbage disposal, clothes dryer, dishwasher, refrigerator, clothes washer, and more. The systems usually included are hot water heaters, air conditioners, plumbing systems, electrical systems, and ductwork. Many plans also offer add-on coverage options like central vacuum, locksmith, roof leaks, and even septic systems.
Cottage Grove homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.
Cottage Grove is known for its frigid winters, and if you live in Cottage Grove, you know that those winters can be rough. During the winter months, your heating system can be overloaded in its effort to combat the cold. If your heater did give out, a home warranty can cover repairs and help decrease your out-of-pocket expenses.
Another added benefit of having a home warranty plan is that it can raise 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 provider you purchased your home warranty through.
One downside of a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read through the contracts you're considering thoroughly to understand what is included and what isn't. Another pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Owning a home is a big responsibility that can be costly, but fruitful. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to weigh before taking the leap and getting a policy.
A home warranty in Cottage Grove can save you a lot of money and give you peace of mind when it comes to costly home repairs and replacements. Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Cottage Grove homeowners.
The best overall home warranty company in Cottage Grove is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a type of contract that covers the repairs and replacements of major home systems and appliances.
Home warranties cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.
A home warranty in Cottage Grove can cost anywhere from $40 to $80 a month. Higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.
