Written By David Cusick
Last Updated February 2024
With hot summers and cool winters, working home systems and appliances, especially HVAC, are very important for homeowners in Rockford. A home warranty in Rockford can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is filled with many providers — all with different price points — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Rockford.
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 Rockford. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Liberty Home Guard offers 3 plans for Rockford homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read 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
Choice Home Warranty offers the best overall home warranty in Rockford. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Choice Home Warranty offers 2 plans for Rockford homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read 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
Select Home Warranty offers the most cost-effective home warranty in Rockford. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Select Home Warranty offers 3 plans for Rockford homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read 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
American Home Shield offers the most customizable home warranty in Rockford. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
American Home Shield offers 3 plans for Rockford homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Rockford. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Cinch Home Services offers 3 plans for Rockford homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read 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
The Home Service Club offers the best home warranty with the quickest service in Rockford. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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 Home Service Club offers 2 plans for Rockford homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read 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 | $5,790 |
Heating | $3,860 |
Electrical | $579 |
Toilets | $483 |
Washer/Dryer | $772 |
Plumbing | $579 |
Oven | $1,544 |
Fridge | $579 |
A home warranty is a protection plan that helps cut costs for Rockford homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as dishwashers, garbage disposals, dryers, washers, microwaves, refrigerators, and others. Covered systems include heating, electrical, plumbing, and air conditioning. Many home warranty companies also offer add-on coverage for roof leaks, septic systems, central vacuums, and locksmiths. Rockford homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to understand before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans cover electrical, heating, AC, plumbing, and appliances. More extensive plans may also cover additional items such as roof leaks, well pumps, pools, and spas. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies keep networks of local contractors to handle repairs in your area. Reach out to potential providers to find out how many repair professionals they have in Rockford and get an idea for how fast your repairs might happen in an emergency situation. More extensive networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can provide extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your home warranty.
Since temperatures in Rockford can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is when you’re selling 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 may help your house sell faster.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a contractor who carries out the repair for you, some people may not like this, and they would prefer to choose a contractor themselves. If that’s the case for you, some home warranty providers let you choose a contractor.
Another stipulation is that home warranties typically only cover damage from normal wear and tear. They often won’t cover systems or appliances that have been damaged due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Rockford. 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 usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which can sometimes be a concern in Rockford. It doesn't cover a normal appliance or system damage.
A home warranty plan can help real estate agents, homeowners, investors, homebuyers, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Rockford include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Generally, the homeowner is responsible for paying 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 transferred to the new homeowner, who will pay the service fees when using the policy. In Rockford, where the median value of a home is $143,935, having the seller pay for the home warranty can save you some money on your new home.