A home warranty in Sun Prairie can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.
Although homeownership in Sun Prairie has a great number of advantages, such as life in a vibrant city, there are also downfalls, similar to owning a house anywhere else. One major issue many homeowners have to deal with at some point is updating or repairing their appliances and home systems.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the perfect choice for your Sun Prairie home. That's why we've done the research and have compiled a list of the top home warranty options in Sun Prairie.
After looking into home warranties in Sun Prairie, the next step is to determine which company you're interested in receiving a free quote from. Below are some factors to consider when buying a home warranty in Sun Prairie:
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 Sun Prairie. 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. Choice offers 2 plans for homeowners to decide between.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Sun Prairie area.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 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
In Sun Prairie, American Home Shield is the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting 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 Sun Prairie. HSC has 2 plans for homeowners to choose from. When you purchase a plan 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's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
For more information, read our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 in Sun Prairie. Cinch has been on the market for about 43 years, making it a well-regarded company in the industry. 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 3 plans that Cinch has include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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 Sun Prairie
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working and the repair is several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal system where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will also need to pay your service fee. Once the contractor looks at the problem, they will deal with it at no cost to you. The only time a Sun Prairie homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear . Typical appliances covered under a home warranty include a garbage disposal, refrigerator, microwave, dishwasher, dryer, washer, and more. The systems that are most commonly covered will be electrical systems, air conditioners, heating systems, plumbing systems, and hot water heaters. Add-on coverage options can vary by plan but typically include things like a plumbing stoppages, sprinkler system, second refrigerator, septic system, and central vacuum.
A Sun Prairie home warranty will only cover repairs and replacements due to normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a Sun Prairie home warranty.
Since temperatures in Sun Prairie can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty can also have value in other ways. For instance, some plans can be transferred to another owner during a home sale.
There are also some negatives to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another possible 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 carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it depends on your personal situation. Like any other sort 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.
Hopefully, this review of Sun Prairie's best home warranty companies has helped you narrow down your choices and decide on a plan. When it comes to home warranty company choices in Sun Prairie, the best overall is Choice Home Warranty. It offers great coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best home warranty provider in Sun Prairie is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a great reputation in the Sun Prairie area.
A home warranty can help investors, homeowners, real estate agents, home sellers, and homebuyers. It can provide peace of mind and savings to anyone that is involved with homeownership.
Typically coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few providers may allow you to make a service request before this, so check with customer service to find the exact waiting period for your situation.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place except for the monthly premium/annual cost.
