Written By David Cusick
Last Updated February 2024
Homeownership in Edwardsville has lots of positives, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can give you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is filled with a variety of providers — all with different coverage — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Edwardsville.
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
Liberty Home Guard offers the most trustworthy home warranty for Edwardsville residents. 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. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
For more information, read our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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
Choice Home Warranty offers the best overall home warranty for Edwardsville residents. 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 that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
For more information, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, you can 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
Select Home Warranty offers the most cost-effective home warranty for Edwardsville residents. 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. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
For more information, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, you can 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 Edwardsville residents. 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 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Edwardsville residents. 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 offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our Cinch Home Services full review. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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
The Home Service Club offers the best home warranty with the quickest service for Edwardsville residents. 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 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. 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.
For more information, read our The Home Service Club full review. 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
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 | $6,021 |
Heating | $4,014 |
Electrical | $602 |
Toilets | $502 |
Washer/Dryer | $803 |
Plumbing | $602 |
Oven | $1,606 |
Fridge | $602 |
A home warranty is a protection plan that helps reduce the high costs for Edwardsville homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Covered appliances normally include dishwashers, garbage disposals, refrigerators, washers, microwaves, dryers, and more. Covered systems include air conditioning, heating, plumbing, and electrical. Many home warranty providers also offer additional coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Edwardsville homeowners to wait 30 days before the plan will cover repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to know before signing an agreement, including:
There are several key factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for plumbing, AC, electrical, heating, and appliances, while more comprehensive options may also cover well pumps, roof leaks, pools, and spas. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, 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 provide insight into things such as approval rates, repair timeliness, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential companies to learn the number of repair specialists they have in Edwardsville and get an idea of how fast your repairs could be handled in an emergency. Bigger networks raise the chance of getting qualified contractors to quickly service your home.
Certain home warranty companies offer extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Edwardsville’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 stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor 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. 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 homebuyer depending on the company you purchased your home warranty through.
One drawback of buying a home warranty is that there are often exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through the contracts you’re considering carefully to understand what is included and what isn’t.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty in Edwardsville can cost anywhere from $30 to $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects the entire home from natural disasters, which can sometimes be a concern in Edwardsville. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help real estate agents, homeowners, home sellers, investors, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
A home warranty can cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Edwardsville, where the median value of a home is $291,683, having the seller pay for the home warranty can be a good asset for your new home.