Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Thinking about getting a home warranty? One of our top home warranty providers can help. With hot summers and cool winters, working home appliances and systems, particularly HVAC, are extremely important for homeowners in the Fort Russell area of Illinois.
A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind. Choosing the best home warranties on the market can be challenging because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the top home warranty providers in Fort Russell.
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 Fort Russell residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. With a home warranty from Choice, you can enjoy 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 you to choose from.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.
For a more detailed breakdown, read our full review of Choice Home Warranty. 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 is the most cost-effective home warranty for Fort Russell residents. Select has more than 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for many of the 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 call 888-370-3953. For more information, 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 is the most customizable home warranty for Fort Russell residents. AHS has been in the home warranty business for around 26 years. AHS has 3 simple plans, making the selection process easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and 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 call 888-365-2839. Read more by visiting our thorough review of American Home Shield.
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 Fort Russell, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. When you purchase a home warranty 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 home warranty 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 offer a combination of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
Read more by visiting 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
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 in Fort Russell. Liberty has been on the market for more than 6 years, making it a well-respected company in the industry. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information, read our review of Liberty Home Guard.
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 Fort Russell. Cinch has been in the home warranty business for over 44 years. When you purchase a plan 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 offers 3 plans for you to choose from.
Cinch Home Services has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. 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 | $5,907 |
| Heating | $3,938 |
| Electrical | $591 |
| Toilets | $492 |
| Washer/Dryer | $788 |
| Plumbing | $591 |
| Oven | $1,575 |
| Fridge | $591 |
A home warranty is a home protection plan that can bring down the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Fort Russell home comfortable and convenient. When these things start to break down, it can be costly and a hassle. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When one of your systems or appliances has a problem, you file a claim with your service provider. You can do so online or by calling customer support, and then a technician will come and fix the problem.
At this point, you'll pay your service fee, which is usually 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 repair it. If the repair is covered by 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.
Home warranties help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear. The appliances a home warranty typically covers include a clothes dryer, refrigerator, clothes washer, cooktop, microwave, dishwasher, stove, and more. The systems included are the plumbing, air conditioning, heating, electrical, and others.
The add-on coverage options can include septic system, spa, roof leak, pool, and sometimes even things like locksmith or pest control.
Fort Russell homeowners should understand that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, misuse of a system or appliance, pre-existing conditions, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Fort Russell'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 is designed to 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 repairs, saving you from spending a lot of money out of pocket.
Another added benefit of having home warranty coverage is that it can raise your home's real estate 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 provider you purchased your home warranty through.
Home warranties also have some downsides. Though it can be convenient that the home warranty sends out a repair person who does the repair for you, some people may not like this, and they would rather choose their own contractor. If that's important to you, some home warranty companies let you choose a contractor.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They commonly won't cover home systems or appliances that have been damaged due to natural disasters, animal infestations, improper maintenance, etc.
When you're ready to get a home warranty, the first step is figuring out what items you want coverage for. From there, you can compare plans and contact different home warranty companies to get a free quote. Before deciding which home warranty to purchase, here are a few additional factors to consider:
The best home warranty provider in Fort Russell is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a respected reputation in the Fort Russell area.
A home warranty is a contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty policy can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can offer peace of mind and savings to anyone involved with homeownership.
The most common kinds of home warranties in Fort Russell are plans that cover either appliances or systems and a comprehensive plan. A comprehensive plan covers your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover the appliances or systems in the contract.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay the rest out of pocket.
Typically the homeowner pays for the home warranty. In the case of selling a home, however, the home seller may buy a home warranty plan 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 Fort Russell is $178,900, a home warranty can be an added asset when buying a home.
A home warranty policy covers repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
