Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With hot summers and cool winters, maintaining your home appliances and systems, particularly your HVAC, is extremely important for homeowners in La Grange. A home warranty can bring you the peace of mind you need and guard your savings account from large expenses by covering your home’s major systems and appliances.
Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in La Grange. Read on for our home warranty recommendations.
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 La Grange. When you purchase a home warranty 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 offers 3 plans for you to choose from.
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 limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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 La Grange. When you purchase a home warranty 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 offers 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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 La Grange. When you purchase a home warranty 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 offers 3 plans for you to choose from.
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 limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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 La Grange. When you purchase a home warranty 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 offers 3 plans for you to choose from.
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 limits come out to about $2,500 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in La Grange. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American offers 2 plans for you to choose from.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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 La Grange. When you purchase a home warranty 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 offers 3 plans for you to choose from.
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 limits come out to about $1,000-$2,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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 La Grange. When you purchase a home warranty 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 offers 2 plans for you to choose from.
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 limits come out to about $2,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $5,864 |
| Heating | $3,909 |
| Electrical | $586 |
| Toilets | $489 |
| Washer/Dryer | $782 |
| Plumbing | $586 |
| Oven | $1,564 |
| Fridge | $586 |
A home warranty is a protection policy that assists La Grange homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that stop working due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. Newer homes with modern appliances probably don’t require a home warranty.
Home warranties help protect your home systems and appliances. Common covered appliances include dishwashers, microwaves, washers, refrigerators, garbage disposals, dryers, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranties offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. La Grange homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Here are some essential home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive options also include protection for other items such as spas, roof leaks, well pumps, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies 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 company's reputation gives insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair specialists they have in La Grange and get an idea of how fast your repairs could be handled in an emergency. Larger networks increase the likelihood of getting qualified contractors to promptly service your home.
Some home warranty providers provide extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.
Temperatures in La Grange can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in La Grange, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
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. A home warranty can also offer value in other ways. For example, some policies can be transferred to another owner during a home sale.
One downside of signing up for a home warranty is that there are usually exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in La Grange can cost anywhere from $30 to $60 a month. The higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of a situation such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in La Grange.
A home warranty policy can help investors, home sellers, homebuyers, homeowners, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in La Grange include plans that cover either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan each year, 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 policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in La Grange is $359,674, a home warranty can save you some money when buying a home.
