Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Silvis has tons of great advantages, but there are some downsides. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be challenging because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty providers in Silvis.
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 for Silvis residents. Liberty has more than 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 plans for you to decide between. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps 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 give them a call at 866-451-2281. For a more detailed breakdown, read our 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 is the best overall home warranty for Silvis residents. Choice has more than 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 plans for you to decide between. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps 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 give them a call at 929-400-6164. For a more detailed breakdown, read our 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 is the most cost-effective home warranty for Silvis residents. Select has more than 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 plans for you to decide between. 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps 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 give them a call at 888-370-3953. For a more detailed breakdown, read our 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 is the most customizable home warranty for Silvis residents. AHS has more than 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 plans for you to decide between. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps 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 give them a call at 888-365-2839. For a more detailed breakdown, read our 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 is the home warranty with the best workmanship guarantee for Silvis residents. Cinch has more than 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 plans for you to decide between. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our 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 is the best home warranty with the quickest service for Silvis residents. HSC has more than 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 plans for you to decide between. 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.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps 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 give them a call at 800-750-9443. For a more detailed breakdown, read our 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 | $5,643 |
| Heating | $3,762 |
| Electrical | $564 |
| Toilets | $470 |
| Washer/Dryer | $752 |
| Plumbing | $564 |
| Oven | $1,505 |
| Fridge | $564 |
A home warranty is a protection plan that assists Silvis homeowners reduce the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds 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 goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with outdated systems. Newer homes with working appliances probably don’t require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include garbage disposals, microwaves, washers, dishwashers, dryers, refrigerators, and others. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty companies also offer additional coverage for roof leaks, locksmiths, septic systems, and central vacuums. Silvis homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically include AC, electrical, heating, plumbing, and appliances, while more comprehensive plans may also cover well pumps, pools, roof leaks, and spas. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per claim you submit. The costs from multiple fees can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, 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 companies. Good ratings and reviews indicate that a company is known for quality service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Wider networks improve the probability of getting qualified contractors to your home promptly. Reach out to possible providers to ask how many technicians they have in Silvis to understand how long repairs could take in an urgent situation.
Some home warranty providers include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks add value beyond repair coverage. Added bonuses maximize the usefulness of your home warranty.
Silvis’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have. A home warranty can also provide value in other ways. For instance, some plans can be transferred to another owner during a home sale.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Silvis can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can sometimes be a concern in Silvis. It doesn't cover a normal appliance or system breakage.
A home warranty can help investors, real estate agents, homebuyers, homeowners, and home sellers. It can offer peace of mind to anyone involved with homeownership.
A home warranty policy can cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Usually the person who owns the home pays for the home warranty. In some cases, though, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Silvis is $141,520, a home warranty can save you some money when buying a home.
