Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
As much as you may enjoy homeownership in Rock Falls, there's always that fear about whether your appliances and systems are going to make it through the next few years. A home warranty can offer you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult, as there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Rock Falls 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 Rock Falls, Liberty Home Guard is the most trustworthy home warranty. The 3 policies that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can benefit from 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our full review of Liberty Home Guard.
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 Rock Falls, Choice Home Warranty is the best overall home warranty. The 2 policies that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can benefit from 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our full review of Choice Home Warranty.
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 Rock Falls, Select Home Warranty is the most cost-effective home warranty. The 3 policies that Select offers include options for appliance and system coverage. With a home warranty from Select, you can benefit from 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our full review of Select Home Warranty.
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 Rock Falls, American Home Shield is the most customizable home warranty. The 3 policies that AHS offers include options for appliance and system coverage. With a home warranty from AHS, you can benefit from 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full review of American Home Shield.
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 Rock Falls, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 policies that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can benefit from 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our full review of Cinch Home Services.
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 Rock Falls, The Home Service Club is the best home warranty with the quickest service. The 2 policies that HSC offers include options for appliance and system coverage. 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 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our full review of The Home Service Club.
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 | $5,645 |
| Heating | $3,763 |
| Electrical | $565 |
| Toilets | $470 |
| Washer/Dryer | $753 |
| Plumbing | $565 |
| Oven | $1,505 |
| Fridge | $565 |
A home warranty is a protection policy that helps reduce the high costs for Rock Falls homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out 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 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 delivers peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who live in older homes or ones with aging systems. More modern homes with modern fixtures probably don’t need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include microwaves, garbage disposals, washers, refrigerators, dishwashers, dryers, and more. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Rock Falls homeowners should know that most home warranty policies have a 30-day waiting period 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 things like pre-existing conditions, natural disasters, cosmetic issues, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically include AC, electrical, plumbing, heating, and appliances, while more comprehensive plans may also cover roof leaks, spas, well pumps, and pools. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies keep networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in Rock Falls and get an idea for how quickly your repairs might happen in an emergency situation. Larger networks increase the likelihood of getting qualified contractors to swiftly service your home.
Certain home warranty providers offer perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Extra perks enhance your home and maximize your home warranty.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Rock Falls reaching an average high of 59℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system break down.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. A home warranty can also yield value in other ways. For example, some plans can be transferred between owners when you sell your home.
As for the negatives of home warranties, home system and appliance coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another possible pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your repair requests being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Rock Falls can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
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. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Rock Falls.
A home warranty can help home sellers, homebuyers, homeowners, real estate agents, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees. In Rock Falls, where the median value of a home is $99,109, having the seller pay for the home warranty can be a good asset for your new home.
