Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Get the most out of your home warranty with the best home warranty providers in Belleville. With the weather patterns common in Belleville, homes can go through quite a bit of wear and tear in the long run. There's nothing worse than having your air conditioning go out in the middle of a hot summer.
A home warranty can help protect homeowners by covering major repairs and replacements on your home's appliances and systems. Although a home warranty can help with your homeowner concerns, one pain point is narrowing down the best choice for your Belleville home. That's why we've done the research and have compiled a guide of the best home warranty plans in Belleville.
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 Belleville, Choice Home Warranty is the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many major systems and appliances, and 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 a more detailed breakdown, read our review of Choice Home Warranty.
Basic Plan
Total Plan
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 Belleville, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also 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 offer a combination of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 Belleville residents. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 offers the best home warranty with the quickest service for Belleville residents. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. HSC has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from The Home Service Club: 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 provider. Service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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 Belleville. The 3 policies that Liberty offers include options for appliance and system coverage. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full review.
Appliance Guard
Systems Guard
Total Home Guard
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 Belleville. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. 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. Cinch has 3 simple plans, making the selection process easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To read more, visit our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,881 |
| Heating | $3,921 |
| Electrical | $588 |
| Toilets | $490 |
| Washer/Dryer | $784 |
| Plumbing | $588 |
| Oven | $1,568 |
| Fridge | $588 |
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they stop working over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your savings account from unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
For Belleville homeowners, it is very straightforward to file a claim when a problem happens with a covered appliance or system. Most home warranty companies have an online portal where you can submit a claim.
At this point, you'll pay the service fee, which is generally between $60 and $150, depending on what plan you select. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty will cover systems and appliances that have broken down due to normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty company. The appliances typically covered under a home warranty plan are the dryer, oven, refrigerator, dishwasher, microwave, washing machine, and more. System coverage typically includes plumbing, air conditioning, electrical systems, heating, and more.
You can also optionally opt to pay extra for add-on coverage for items like roof warranty, septic systems, spas, and swimming pools.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, lack of maintenance, cosmetic damages, and misuse.
Belleville's relatively mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if 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 repairs, saving you from spending a lot of money out of pocket.
Another good thing about having a home warranty is when you're selling your home, you can most likely transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a contractor who takes care of the repair for you, some people may not like this, and they would rather select their own contractor. If that's important to you, some home warranty companies let you select a contractor.
Another thing to bear in mind is that some companies don't cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
Once you're ready to sign up for a home warranty plan, the first step is figuring out what appliances and systems you want coverage for. From there, you can compare your options and call different home warranty providers for a free quote. Below are some factors to consider when looking for a home warranty in Belleville:
The top home warranty provider in Belleville is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a respected reputation in the Belleville area.
A home warranty is a contract that covers repairing and replacing major home systems and appliances.
A home warranty plan covers the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which are somewhat common in Belleville.
A home warranty plan will cover either the home systems and appliances, or both. Combination plans are great if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Usually the person who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Belleville is $128,467, a home warranty can be an added asset when buying a home.
A service fee is an expense that a homeowner must pay before a service technician or contractor comes to your home to fix your home warranty-related problem. 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 policy's premium unless the expense is higher than the coverage cap.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
