Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Being a homeowner in Niles is an excellent option for those who enjoy up-and-coming areas. However, as great as Niles is, homeownership always comes with its fair share of difficulties, such as trying to pay for your appliance and system repairs yourself. A home warranty can offer you the peace of mind you need and protect your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be challenging, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Niles for you.
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
In Niles, Liberty Home Guard is the most trustworthy home warranty. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our comprehensive review of Liberty Home Guard. To receive 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
In Niles, Choice Home Warranty is the best overall home warranty. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our comprehensive review of Choice Home Warranty. To receive 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
In Niles, Select Home Warranty is the most cost-effective home warranty. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our comprehensive review of Select Home Warranty. To receive 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
In Niles, American Home Shield is the most customizable home warranty. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our comprehensive review of American Home Shield. To receive 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
In Niles, Cinch Home Services is the home warranty with the best workmanship guarantee. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it 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.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our comprehensive review of Cinch Home Services. 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
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
In Niles, The Home Service Club is the best home warranty with the quickest service. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our comprehensive review of The Home Service Club. To receive 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 | $6,740 |
| Heating | $4,493 |
| Electrical | $674 |
| Toilets | $562 |
| Washer/Dryer | $899 |
| Plumbing | $674 |
| Oven | $1,797 |
| Fridge | $674 |
A home warranty is a protection policy that helps Niles homeowners in reducing the costs of appliance and system repairs. The plans provide financial coverage to swap out or repair appliances and systems that malfunction 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 repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common appliances covered under a home warranty include washers, microwaves, dryers, garbage disposals, refrigerators, dishwashers, and others. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty plans also offer add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Niles homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties have significant variation in what they include. Basic policies typically provide protection for heating, plumbing, AC, electrical, and appliances, while more comprehensive plans may also cover well pumps, roof leaks, pools, and spas. Look for providers with an assortment 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 seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty company's track record gives you 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 Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty companies maintain networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Niles and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the chances of getting qualified contractors to quickly service your home.
Some home warranty providers include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your home warranty.
Niles’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can help cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you time by getting rid of the need to research technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another benefit of having a home warranty is while selling your home, some providers let you transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
One of the major drawbacks of a home warranty is not everything may be covered. It’s important to weigh the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty provider for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty costs, on average, around $300 to $600 a year in Niles. 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 opting for a higher service fee. Additionally, it's often cheaper 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 covers normal wear and tear to home systems and appliances. Homeowners insurance protects your entire home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which can be a threat in Niles.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind to anyone involved with homeownership.
The different home warranties in Niles include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Niles, where the median value of a home is $347,119, having the seller pay for the home warranty can be a good asset for your new home.
