Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a home can have lots of perks, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty in Bethalto can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be time-consuming, as there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and put together a list of the best home warranty companies in Bethalto for you.
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
Won’t cover known or unknown pre-existing conditions
In Bethalto, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can benefit from 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.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard Review.
Appliance Guard
Systems Guard
Total Home Guard
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 Bethalto, Choice Home Warranty is the best overall home warranty. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. 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 Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 Bethalto, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. 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.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.
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
In Bethalto, American Home Shield is the most customizable home warranty. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage. 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.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Bethalto, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. 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 Home Services has 3 plans that offer a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services Review.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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
In Bethalto, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. 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.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club Review.
Standard Coverage Plan
Comprehensive Coverage 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 | $5,770 |
| Heating | $3,846 |
| Electrical | $577 |
| Toilets | $481 |
| Washer/Dryer | $769 |
| Plumbing | $577 |
| Oven | $1,539 |
| Fridge | $577 |
A home warranty is a protection policy that helps cut costs for Bethalto homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dryers, dishwashers, garbage disposals, microwaves, refrigerators, washers, and more. Included systems are normally air conditioning, heating, electrical, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Bethalto homeowners to wait 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans cover heating, plumbing, electrical, AC, and appliances. More robust plans also offer protection for other items such as spas, roof leaks, pools, and well pumps. Look for companies with a diverse range of coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair specialists they have in Bethalto and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks raise the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in Bethalto can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover items that haven’t been properly 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.
A home warranty policy costs, on average, around $300 to $600 a year in Bethalto. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in Bethalto. It doesn't cover a typical appliance or system damage.
A home warranty can help home sellers, real estate agents, investors, homeowners, and homebuyers. It can provide peace of mind and savings to anyone involved with homeownership.
The different home warranties in Bethalto include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items mentioned in the contract.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Generally, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Bethalto, where the median home value is $178,192, having the seller pay for the home warranty can save you some money on your new home.
