Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Granite City can be costly, particularly as your home ages and your systems and appliances need to be updated. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Granite City. Read on for our home warranty 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 Granite City residents. Liberty has more than 6 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Granite City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit 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
Choice Home Warranty offers the best overall home warranty for Granite City residents. Choice has more than 15 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Granite City homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit 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
Select Home Warranty offers the most cost-effective home warranty for Granite City residents. Select has more than 11 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. 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 Granite City 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. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit 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
American Home Shield offers the most customizable home warranty for Granite City residents. AHS has more than 26 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Granite City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Granite City residents. Cinch has more than 44 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Granite City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit 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
The Home Service Club offers the best home warranty with the quickest service for Granite City residents. HSC has more than 15 years of industry experience and in that time has built a a skilled network of service professionals in the country. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 offers 2 plans for Granite City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit 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 | $5,716 |
| Heating | $3,811 |
| Electrical | $572 |
| Toilets | $476 |
| Washer/Dryer | $762 |
| Plumbing | $572 |
| Oven | $1,524 |
| Fridge | $572 |
A home warranty is a protection policy that helps Granite City homeowners cut the expenses of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include garbage disposals, washers, dishwashers, refrigerators, dryers, microwaves, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Granite City homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
There are a number of home warranty terms to learn before signing an agreement, including:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for electrical, plumbing, heating, AC, and appliances, while more comprehensive plans may also cover roof leaks, pools, spas, and well pumps. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific 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 more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair professionals they have in Granite City and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks raise the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Granite City hitting an average high of 64℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
In addition, having a home warranty can save you some time by getting rid of the need to research service technicians — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can increase your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
Home warranties also have some drawbacks. Though it can be convenient that the home warranty sends out a repair technician who does the repair for you, some homeowners may not like this, and they would prefer to select their own contractor. If that’s important to you, some home warranty providers allow you to choose a contractor.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover home systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty costs, on average, about $300 to $600 a year in Granite City. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with 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 Granite City. It doesn't cover a typical appliance or system breakage.
A home warranty can help home sellers, investors, real estate agents, homeowners, and homebuyers. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Granite City include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the policy.
Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty 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 Granite City is $90,519, a home warranty can be an added asset when buying a home.
