Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Itasca 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 can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging because of the sheer number of options available. If you're tired of trying to compare them all, keep reading for our guide to the best home warranty providers in Itasca.
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 Itasca. 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 offers 3 plans for you to decide between.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our full review of Liberty Home Guard to learn more.
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 Itasca. 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 decide between.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our full review of Choice Home Warranty to learn more.
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 Itasca. 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 offers 3 plans for you to decide between.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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
American Home Shield is the most customizable home warranty in Itasca. 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. AHS offers 3 plans for you to decide between.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our full review of American Home Shield to learn more.
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 Itasca. 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 offers 3 plans for you to decide between.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our full review of Cinch Home Services to learn more.
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 Itasca. 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. HSC offers 2 plans for you to decide between.
The Home Service Club has 2 plans that offer a mix 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 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our full review of The Home Service Club to learn more.
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 | $6,403 |
| Heating | $4,269 |
| Electrical | $640 |
| Toilets | $534 |
| Washer/Dryer | $854 |
| Plumbing | $640 |
| Oven | $1,708 |
| Fridge | $640 |
A home warranty is a protection plan that helps lower expenses for Itasca homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of 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 modern appliances and fixtures may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include refrigerators, washers, dryers, garbage disposals, microwaves, dishwashers, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty plans offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Itasca should understand that 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 improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for AC, plumbing, heating, electrical, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a service fee, typically $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 companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies keep networks of contractors to handle covered repairs. More extensive networks increase the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Itasca to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These extras can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Itasca hitting an average high of 57℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably bring down out-of-pocket costs should your HVAC system stop working.
In addition, having a home warranty can save you time by eliminating the need to research service technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Another good thing about having a home warranty is if you want to sell your home, you can most likely transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
One major drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you need more information or if this is a problem for you.
A home warranty plan costs, on average, around $300 to $600 a year in Itasca. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Itasca. It doesn't cover a normal appliance or system repairs.
Homebuyers, real estate agents, landlords, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Itasca include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may purchase 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. Since the average home value in Itasca is $384,579, a home warranty can be an added asset when buying a home.
