Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Get the most out of your home warranty with the best home warranty companies in Collinsville. With the weather patterns common in Collinsville, homes can experience 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 homebuyers and current homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems. Finding the right home protection plan for your Collinsville home can be difficult, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Read on for our recommendations.
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 for Collinsville residents. Choice has more than 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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 offer a mix of both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 Collinsville, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Collinsville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Collinsville area.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 Collinsville residents. AHS has more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase 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.
There are 3 home warranty plans from American Home Shield: 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 receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our American Home Shield full review to learn more.
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
In Collinsville, The Home Service Club is the best home warranty with the quickest service. HSC has more than 15 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our full review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, you can 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 is the most trustworthy home warranty for Collinsville residents. Liberty has been in the home warranty industry for about 6 years. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
For more information, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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
In Collinsville, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has more than 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. When you buy a policy 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 offers 3 plans for Collinsville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have 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 our Cinch Home Services full review to learn more.
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 | $5,840 |
| Heating | $3,893 |
| Electrical | $584 |
| Toilets | $487 |
| Washer/Dryer | $779 |
| Plumbing | $584 |
| Oven | $1,557 |
| Fridge | $584 |
A home warranty is a service contract that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. A home warranty plan typically has a 30-day waiting period from the time you pay to when you can file your first claim.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal to help you do this. Once 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'll also pay your service fee. Once the contractor takes a look at the issue, they will handle it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear. Appliances covered under a home warranty plan are the microwave, garbage disposal, refrigerator, dryer, dishwasher, and more. Systems that are covered include air conditioning, heating, electrical systems, and plumbing.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as roof leaks, pools, electronics, sump pumps, central vacuums, and spas.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like pre-existing conditions, misuse, lack of maintenance, and cosmetic damages are excluded from the home warranty policy.
Since temperatures in Collinsville can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks unexpectedly.
A home warranty can also yield value in other ways. For example, some policies can be transferred between owners when you sell your home.
One main drawback of home warranties is not every home system and appliance may be covered. It's important to compare the different policies and select one that covers all the appliances, systems, and add-ons you need.
Another potential 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 rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
The first step in protecting your home with a home warranty is determining which provider's plan fits your needs. Figure out which appliances and systems in your home you'd like coverage for and compare the policies. Before making your final decision, here are a few other factors to consider:
The best home warranty provider in Collinsville is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a tremendous reputation in the Collinsville area.
A home warranty is a service contract that provides homeowners extra coverage for their household systems and appliances. These include dishwashers, dryers, garbage disposals, washing machines, refrigerators, water heaters, electrical systems, plumbing, heating and cooling systems, and sump pumps, among others. Some companies also provide coverage for garage door openers, roofs, pools, and ceiling fans. A home warranty can help you save money if these items fail unexpectedly.
A home warranty covers the normal wear of home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which are somewhat common in Collinsville.
Homebuyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
In general, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Collinsville, where the median home value is $132,294, when the seller includes a home warranty can be a good asset for your new home.
A home warranty policy can cost on average about $300 to $800 a year in Collinsville. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
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 something that happened as a result of a pre-existing condition.
