Written By David Cusick
Last Updated April 2024
Owning a home can have lots of advantages, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty in Wheeling can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
The home warranty market is saturated with a variety of providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Wheeling.
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 in Wheeling. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. 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.
Liberty Home Guard offers 3 plans for Wheeling homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 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 is the best overall home warranty in Wheeling. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. 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.
Choice Home Warranty offers 2 plans for Wheeling homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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 is the most cost-effective home warranty in Wheeling. The 3 plans from Select are comprehensive and offer both system and appliance coverage. 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.
Select Home Warranty offers 3 plans for Wheeling 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. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 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 is the most customizable home warranty in Wheeling. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. 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.
American Home Shield offers 3 plans for Wheeling homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 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 is the home warranty with the best workmanship guarantee in Wheeling. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. 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.
Cinch Home Services offers 3 plans for Wheeling 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. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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 is the best home warranty with the quickest service in Wheeling. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. 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 Home Service Club offers 2 plans for Wheeling homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Wheeling area.
To read more, visit our comprehensive review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 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 | $6,616 |
Heating | $4,410 |
Electrical | $662 |
Toilets | $551 |
Washer/Dryer | $882 |
Plumbing | $662 |
Oven | $1,764 |
Fridge | $662 |
A home warranty is a protection policy that helps Wheeling homeowners cut the costs of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances might not need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include dishwashers, microwaves, garbage disposals, dryers, washers, refrigerators, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans offer additional add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Wheeling homeowners to 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 due to normal wear and tear. Home warranties don't cover things like natural disasters, pre-existing conditions, cosmetic issues, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
There are multiple home warranty terms to know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage can have major differences in what's included. Most plans cover heating, plumbing, AC, electrical, and appliances. More inclusive options also cover other items such as pools, well pumps, spas, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. These per-claim charges can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty provider's rating gives you insight into things such as contractor quality, timeliness of repairs, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers have networks of technicians to handle covered repairs. Bigger networks improve the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Wheeling to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty providers sometimes offer extras such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond basic repair coverage. Additional perks maximize the usefulness of the home warranty.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Wheeling hitting an average high of 57℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can considerably lower out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of vetting technicians yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Additionally, 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 home more attractive to potential homebuyers and maybe even help your home sell faster.
One disadvantage of a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read over any contracts you’re considering carefully to understand what is included and what isn’t.
Another thing to take into consideration is that some companies don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty policy costs, on average, around $300 to $600 a year in Wheeling. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Wheeling.
First-time homebuyers, homeowners, real estate agents, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty will cover your appliances, systems, or both. Combination plans are great if you need 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.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Wheeling, where the median home value is $262,332, having the seller pay for the home warranty can save you some money on your new home.