Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're considering purchasing a home warranty, our list of the best companies in Itasca can help. As much as you may love owning a home in Itasca, there is always that concern about whether your systems and appliances are going to need updating over the next few years.
A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind. Finding the best home warranty on the market can be quite challenging as there are so many companies to decide between. That's why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Itasca for you.
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
In Itasca, Choice Home Warranty offers the best overall home warranty. Choice has been operating for more than 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
Read more by visiting our review of Choice Home Warranty. To get 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 Itasca residents. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. When you purchase a home warranty 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 comprehensive and offer 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 from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Itasca area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our full review of Select Home Warranty to learn more.
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
In Itasca, American Home Shield is the most customizable home warranty. AHS has about 26 years of industry experience and in that time has built a impressive network of service professionals in the country. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
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 of the 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, fill out this online form or call 888-365-2839.
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
The Home Service Club offers the best home warranty with the quickest service for Itasca 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 home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club full review.
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 Itasca. Liberty has been in the home warranty business for about 6 years. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard 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. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
Read our review of Liberty Home Guard to learn more. 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
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 Itasca. 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. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000 at the maximum.
For more information, read our Cinch Home Services Review. To receive 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 | $6,403 |
| Heating | $4,269 |
| Electrical | $640 |
| Toilets | $534 |
| Washer/Dryer | $854 |
| Plumbing | $640 |
| Oven | $1,708 |
| Fridge | $640 |
A home warranty is a money savings plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make budgeting and managing your finances less stressful. A home warranty plan generally has a 30-day waiting period from the time you purchase to when you can file your first claim.
When you have a system or appliance that experiences a problem, you file a claim with your home warranty provider. You can do so online or by telephone, and then a contractor will come and fix the problem.
Once you submit the claim, it will be assigned to a local technician that will come to your home and fix the issue. At this point, you pay your service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances from normal wear. Appliances covered under a home warranty plan are the refrigerator, dryer, microwave, dishwasher, garbage disposal, and more. Systems that are covered include heating, plumbing, electrical systems, and air conditioning.
Many plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks.
An important thing to note is that home warranties only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are excluded from the home warranty policy.
Temperatures in Itasca can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Itasca, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Another added benefit of having a home warranty plan 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.
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 be excluded from the home warranty, so it's important to read through any contracts you're considering carefully to understand what is included and what isn't.
Another drawback is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won't be covered by the home warranty.
After reviewing the basics of home warranties in Itasca, your next step is to decide which company you'd like to receive a free quote from. Before making your final decision, here are a few additional factors to bear in mind:
The best home warranty provider in Itasca is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a great reputation in the Itasca area.
A home warranty policy can cover either the home systems and appliances, or both. Combination plans are great if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
The type of home warranty you should look for depends on what your priorities are. A less expensive plan may have higher deductibles and lower coverage caps, whereas a more expensive plan may provide more coverage and have lower service fees. If you have a home that has appliances and systems on the older end, you may want to consider a policy with more coverage. The company's reputation and available plans are the two things to consider when selecting a home warranty provider.
Generally a home warranty plan lasts for a year and you can renew it yearly. In Itasca where many rely on heating and A.C., renewing your policy could help prevent large, unexpected expenses if your HVAC system needs repairs.
Owning a home can be pricey, especially in a place in Itasca where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you won't have any large hits to your savings account.
Usually the homeowner is responsible for paying for the home warranty. In the case of selling a home, though, 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 Itasca is $281,111, a home warranty can help you avoid more costs when buying a home.
When living in a town like Itasca, you may be wondering if problems like natural disasters are covered under a home warranty. Home warranties generally don't cover damage due to intentional breakage, natural disasters, or lack of proper maintenance.
