Written By David Cusick
Last Updated February 2024
Buying a home is a big step in many people’s lives, but maintaining it can get expensive over time, especially if your home in Pekin is on the older side. A home warranty in Pekin can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be difficult because of the sheer number of options available. If you're tired of trying to compare them all, keep reading for our guide on the best home warranty providers in Pekin.
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 in Pekin. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for Pekin 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 typically around $3,000.
To read more, visit our review of Liberty Home Guard. 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 offers the best overall home warranty in Pekin. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easy to understand and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Pekin 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 typically around $3,000.
To read more, visit our review of Choice Home Warranty. 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 offers the most cost-effective home warranty in Pekin. Select has over 11 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it 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 easy to understand and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for Pekin 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 typically around $2,000.
To read more, visit our review of Select Home Warranty. 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 offers the most customizable home warranty in Pekin. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
American Home Shield offers 3 plans for Pekin 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 typically around $2,500.
To read more, visit our review of American Home Shield. 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 offers the home warranty with the best workmanship guarantee in Pekin. Cinch has over 44 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for Pekin 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 typically around $1,000-$2,000.
To read more, visit our review of Cinch Home Services. 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 offers the best home warranty with the quickest service in Pekin. HSC has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to understand and offer both system and appliance coverage.
The Home Service Club offers 2 plans for Pekin 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 typically around $2,000.
To read more, visit our review of The Home Service Club. 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 | $5,633 |
Heating | $3,755 |
Electrical | $563 |
Toilets | $469 |
Washer/Dryer | $751 |
Plumbing | $563 |
Oven | $1,502 |
Fridge | $563 |
A home warranty is a protection policy that helps Pekin homeowners reduce the high costs of household repairs. These plans offer financial protection to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix 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 gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances might not need a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances are microwaves, dryers, dishwashers, washers, garbage disposals, refrigerators, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty plans offer extra coverage for septic systems, roof leaks, central vacuums, and even locksmiths. Most home warranty plans require Pekin homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
There are several important considerations when choosing a home warranty provider:
Home warranty plans vary widely in what they include. Most plans provide protection for AC, plumbing, heating, electrical, and appliances. More comprehensive options also include coverage for other items such as pools, roof leaks, well pumps, and spas. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to 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 providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use 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 company is known for top-tier service.
Home warranty companies maintain networks of contractors to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Pekin to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Pekin reaching an average high of 60℃F, you may find that some appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
As well as saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may experience. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the disadvantages of home warranties, home 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 typically only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty in Pekin can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can sometimes be a concern in Pekin. It doesn't cover a normal appliance or system repairs.
A home warranty policy can help homebuyers, homeowners, investors, real estate agents, and home sellers. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Pekin include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans generally last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty policy 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 Pekin is $118,113, a home warranty can save you some money when buying a home.