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Last Updated: February 25, 2025
With a variety of seasons in Galesburg, your home systems can go through quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the right warranty for your home can be time-consuming, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Galesburg. Read on for our recommendations.
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 Galesburg residents. Liberty has more than 6 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. 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 Review. To receive a free quote from Liberty Home Guard, 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 Galesburg residents. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. 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 Review. 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
Select Home Warranty offers the most cost-effective home warranty for Galesburg residents. Select has more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. 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 Review. To receive 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 Galesburg 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. 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. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. 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 Review. To receive a free quote from American Home Shield, 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 Galesburg residents. Cinch has more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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 and policy coverage easily comprehensible.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 Review. To receive a free quote from Cinch Home Services, 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 Galesburg residents. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
The 2 plans from The Home Service Club are 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.
For more information, read our The Home Service Club Review. To receive a free quote from The Home Service Club, 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 | $5,595 |
| Heating | $3,730 |
| Electrical | $559 |
| Toilets | $466 |
| Washer/Dryer | $746 |
| Plumbing | $559 |
| Oven | $1,492 |
| Fridge | $559 |
A home warranty is a protection policy that assists Galesburg homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that stop working due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. More modern homes with functional fixtures probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, dryers, dishwashers, microwaves, refrigerators, garbage disposals, and more. Covered systems are typically plumbing, electrical, air conditioning, and heating. Many home warranty companies offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Galesburg homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover plumbing, AC, electrical, heating, and appliances. More robust coverage options also cover other items such as well pumps, pools, spas, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's rating gives insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty providers keep networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Galesburg and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks raise the probability of getting qualified contractors to promptly service your home.
Certain home warranty companies provide extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Since temperatures in Galesburg 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 suddenly.
On top of saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may experience. Additionally, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
One downside of getting a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering thoroughly to understand what is included and what isn’t.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Galesburg. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in Galesburg.
A home warranty can help homebuyers, investors, homeowners, home sellers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Galesburg include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the homeowner is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Galesburg is $83,424, a home warranty can save you some money when buying a home.
