Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Being a homeowner in South Beloit is an excellent option for those who love nature and quiet neighborhoods. However, as great as South Beloit is, homeownership always comes with its fair share of difficulties, such as trying to deal with your appliance repairs yourself. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Choosing the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide to the best home warranty companies in South Beloit.
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 South Beloit, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for over 6 years. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
Read our review of Liberty Home Guard to learn more. 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
In South Beloit, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for over 15 years. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process quick and easy.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
Read our review of Choice Home Warranty to learn more. 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
In South Beloit, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for over 11 years. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process quick and easy.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
Read our review of Select Home Warranty to learn more. 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
In South Beloit, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for over 26 years. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
Read our review of American Home Shield to learn more. 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
In South Beloit, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for over 44 years. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
Read our review of Cinch Home Services to learn more. 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
In South Beloit, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for over 15 years. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process quick and easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
Read our review of The Home Service Club to learn more. 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 | $5,984 |
| Heating | $3,990 |
| Electrical | $598 |
| Toilets | $499 |
| Washer/Dryer | $798 |
| Plumbing | $598 |
| Oven | $1,596 |
| Fridge | $598 |
A home warranty is a protection plan that assists South Beloit homeowners reduce the costs of appliance and system repairs. The plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect many home systems and appliances. Typical covered appliances are refrigerators, dryers, washers, dishwashers, microwaves, garbage disposals, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. South Beloit homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. You need to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
Before agreeing to a home warranty contract, you should learn key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty plans vary widely in what they include. Most plans cover plumbing, AC, electrical, heating, and appliances. More robust plans also offer protection for other items such as roof leaks, well pumps, pools, and spas. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty company's track record gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Favorable ratings and reviews indicate a provider known for stellar service.
Home warranty providers have networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in South Beloit and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks raise the chances of getting qualified contractors to quickly service your home.
Some home warranty plans include bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These add value beyond just repair coverage. Extra bonuses can maximize the usefulness of your home warranty.
Since temperatures in South Beloit can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances stops working unexpectedly.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
As for the negatives of home warranties, home system and appliance coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty costs, on average, about $300 to $600 a year in South Beloit. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in South Beloit.
Homebuyers, homeowners, home sellers, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in South Beloit is $200,061, a home warranty can be an added asset when buying a home.
