4 Best Home Warranty Companies
in La Crosse, WI

Choosing a home warranty company in La Crosse

Now that you're ready to sign up for a home warranty policy, the first step is thinking about what appliances and systems you need coverage for. From there, you can compare your options and call different home warranty companies to get a free quote. Plans can vary, so take into consideration the following factors when choosing a home warranty company:

• Service call fee--The cost of a provider sending a contractor to your home varies by provider, but there are some providers that have service fees as low as $60.
• Customer service--Some companies have 24/7 customer service and answer claims within 48 hours, while other companies may take as long as 72 hours to send a repair technician to your home.
• Plan options--Does the company have a plan that covers what you need?
• Additional fees--Are there any extra costs for repairs and replacements? What are the coverage limits? Ensure that you read the contract carefully to determine these things.

Quick reference for home warranty companies in La Crosse

Additional home warranty information

What is a home warranty?

A home warranty is a protection plan that covers home systems and appliances. When your refrigerator stops working and the repair is several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after making your first payment.

When you have an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to look at the problem. At this point, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty company will cover for repairs and replacements.

What does a home warranty cover?

A home warranty plan provides coverage on your home's major appliances and systems and it can help lower how much you spend on maintaining your home. The appliances that are usually covered under a home warranty plan include garbage disposal, microwave, clothes dryer, dishwasher, clothes washer, refrigerator, and more. The systems usually included are air conditioners, ductwork, hot water heaters, electrical systems, and plumbing systems. Many plans also have add-on coverage options like septic systems, central vacuum, locksmith, and even roof leaks.

La Crosse 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 cosmetic issues, misuse of a system or appliance, natural disasters, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.

Is a home warranty worth it in La Crosse?

Benefits of a home warranty

Temperatures in La Crosse can drop to the negatives in the winter, which means your heating system is most likely going to get a good bit of use. As a homeowner in La Crosse, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.

Additionally, having a La Crosse home warranty can make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been receiving.

Downsides of a home warranty

Home warranties also have some downsides. Although it can be convenient that the home warranty sends out a contractor who takes care of the repair for you, some homeowners may not like this, and they would rather choose their own contractor. If that's important to you, some home warranty companies let you choose a contractor. Another downside is that home warranties may exclude some repairs, such as those that are needed because of natural disasters. For example, if your house floods, the systems and appliances that were impacted most likely won't be covered by the home warranty.

Whether or not a home warranty is worth it comes down to your personal preference. Like any other type of insurance policy or warranty, it's there to provide you some peace of mind, so you will have to be the judge of how much that is worth to you.

Final Thoughts

A home warranty in La Crosse can save you thousands of dollars and give you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty stands out as the best overall home warranty. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for La Crosse homeowners.

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Best Overall

• Over 10 years of experience
• 24/7 customer service team
• Home inspections aren’t required

4.8

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Best Customizable Plans

• 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

4.7

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Quickest Service

• Policy starts in ten days
• 24/7 customer service support
• Generous coverage caps on important systems and appliances

4.7

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Fast Online Quote