A home warranty in La Crosse can help lower 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.
Many living in La Crosse have fulfilled their dream of homeownership. However, as great as La Crosse can be, there are always downsides that come with owning a home, like keeping your home's systems and appliances maintained.
Even though a home warranty can help with your homeowner headaches, one pain point is narrowing down the perfect choice for your La Crosse home. That's why we've done the research and have put together a guide of the best home warranty options in La Crosse.
Once you're ready to buy a home warranty plan, the first step is thinking about what items you want coverage for. After that, you can compare plans and call different home warranty companies for a free quote. Policies can vary, so take into consideration the following factors when picking a home warranty provider:
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
In La Crosse, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty provider with 14 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 Choice, you can benefit from 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. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For a more detailed breakdown, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 for La Crosse residents. AHS has more than 25 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. With a home warranty from AHS, you can benefit from 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 home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
American Home Shield offers 3 plans for La Crosse homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our thorough 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 in La Crosse. When you purchase a policy 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 home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
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 some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
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 La Crosse residents. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services 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 system and appliance coverage. Cinch has coverage caps of around $1,000-$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 customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. 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 La Crosse
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair will cost several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty coverage usually starts without an inspection and generally goes into place about thirty days after purchasing the policy.
Filing a claim with your home warranty company is quite simple. There will be either an online portal or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay the predetermined service fee to schedule the repair for their home. This repair will generally happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty will cover home systems and appliances from normal wear . The appliances usually covered under a home warranty include clothes washer, dishwasher, refrigerator, garbage disposal, clothes dryer, microwave, and more. The systems usually included are hot water heaters, electrical systems, plumbing systems, ductwork, and air conditioners. Add-on coverage will vary from plan to plan, but you can expect to see things such as spas, roof leaks, central vacuums, sump pumps, electronics, and pools.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
La Crosse's frigid winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Another added benefit of having home warranty coverage is that it can raise your home's property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
One of the major drawbacks of home warranties is not everything may be covered. It's important to compare the different plans and purchase one that covers all the appliances, systems, and add-ons you need. Another downside is that home warranties may not include some repairs, such as those that are needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted most likely won't be covered by the home warranty.
It can be hard 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 advantages and disadvantages of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel like you can select the proper home warranty for your La Crosse home. The best provider in La Crosse is Choice Home Warranty. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable cost.
Our pick for the best overall home warranty company in La Crosse is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need to have covered.
Home warranties cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty can help real estate agents, investors, home sellers, homebuyers, and homeowners. It can provide peace of mind to anyone involved in homeownership.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few providers may let you file a claim before this, so check with customer service to find the exact waiting period for your situation.
A La Crosse home warranty can cost between $40 and $80 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and more coverage.
