Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Helvetia gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Helvetia. Keep reading 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 is the most trustworthy home warranty in Helvetia. Liberty has more than 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Liberty, you can enjoy 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 Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 for each covered appliance or system.
For more information, read our Liberty Home Guard 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
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 in Helvetia. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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 Home Warranty has 2 plans that provide a combination of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered appliance or system.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 in Helvetia. Select has more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Select, you can enjoy 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 Home Warranty has 3 plans that provide a combination of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 for each covered appliance or system.
For more information, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 is the most customizable home warranty in Helvetia. AHS has more than 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from AHS, you can enjoy 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.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
For more information, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee in Helvetia. Cinch has more than 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Cinch, you can enjoy 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 Home Services has 3 plans that provide a combination of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered appliance or system.
For more information, read our Cinch Home Services Review. 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
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 is the best home warranty with the quickest service in Helvetia. HSC has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. With a home warranty from HSC, you can enjoy 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 Home Service Club has 2 plans that provide a combination of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered appliance or system.
For more information, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,759 |
| Heating | $3,839 |
| Electrical | $576 |
| Toilets | $480 |
| Washer/Dryer | $768 |
| Plumbing | $576 |
| Oven | $1,536 |
| Fridge | $576 |
A home warranty is a protection policy that assists Helvetia homeowners reduce the expenses of appliance and system repairs. The plans offer coverage to repair or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, garbage disposals, dishwashers, refrigerators, washers, dryers, and more. Covered systems are usually electrical, air conditioning, heating, and plumbing. Many home warranty companies offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Helvetia homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several important considerations when selecting a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for electrical, AC, plumbing, heating, and appliances. More inclusive options also include coverage for other items such as roof leaks, well pumps, pools, and spas. Look for a provider that offers robust 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-claim costs can add up, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty company's reputation provides insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive reviews and ratings indicate a company known for stellar service.
Home warranty providers keep networks of professionals to handle covered repairs. Larger networks increase the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Helvetia to get a sense of how soon your repairs could happen in an emergency.
Some home warranty companies include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Since temperatures in Helvetia 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 can help homeowners save money if one of these systems or appliances breaks down suddenly.
Not to mention, having a home warranty can save you time by removing the need to research technicians — most companies will send a trusted professional right to your door to do the repair or replacement. Another added benefit of having home warranty coverage is that it can increase 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 have your home warranty with.
As for the drawbacks of home warranties, system and appliance coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Helvetia. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Helvetia.
A home warranty plan can help real estate agents, investors, homebuyers, homeowners, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Helvetia include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your home systems and appliances, including your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Helvetia is $216,070, a home warranty can save you some money when buying a home.
