Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Make the most of your home warranty with the best home warranty providers in Cottage Grove. As much as you may enjoy homeownership in Cottage Grove, there is always that concern about whether your systems and appliances are going to need repairs over the next few years.
A home warranty policy can help protect homeowners by covering major repairs and replacements on your home's appliances and systems. Since the home warranty market has many providers — all with different coverage — the Today's Homeowner team decided to do the research for you to help you find the best home warranty in Cottage Grove.
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 Cottage Grove, Choice Home Warranty offers the best overall home warranty. Choice has more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also 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 has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 Cottage Grove, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. When you purchase a plan 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 plans for you to choose from.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Cottage Grove area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Cottage Grove, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. AHS has 3 simple plans, making the selection process quick and easy. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 for Cottage Grove residents. HSC has been in the home warranty business for over 15 years. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our full 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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Cottage Grove, Liberty Home Guard offers the most trustworthy home warranty. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 Cottage Grove. When you buy 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. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Cottage Grove area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $6,324 |
| Heating | $4,216 |
| Electrical | $632 |
| Toilets | $527 |
| Washer/Dryer | $843 |
| Plumbing | $632 |
| Oven | $1,686 |
| Fridge | $632 |
A home warranty is a protection plan that covers home systems and appliances. When your refrigerator stops working, and the repair is several hundred dollars, a home warranty will make sure that you're only responsible for a predetermined service fee. Home warranty companies often don't require an inspection, and you can generally start using it about 30 days after making your first payment.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to look at the issue.
After that, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum amount per year or appliance that the home warranty plan will cover for repairs and replacements.
A home warranty will cover home systems and appliances from normal wear. The appliances that are usually covered under a home warranty include a microwave, clothes dryer, clothes washer, dishwasher, refrigerator, garbage disposal, and more. The systems included are air conditioning, ductwork, electrical systems, and plumbing.
Many home warranty plans also provide add-on coverage options for septic systems, roof leaks, locksmiths, and even central vacuums.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, cosmetic damages, lack of maintenance, and misuse.
Since temperatures in Cottage Grove can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Another benefit of having a home warranty is when you're selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One downside of purchasing a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over the contracts you're considering carefully to understand what is included and what isn't.
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 repair requests being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Deciding on the best home warranty in Cottage Grove for you comes down to the coverage you want, the home warranty provider you opt for, and your location, among other factors. Below is a list of factors that you'll want to take into consideration when choosing a home warranty provider:
The best home warranty company in Cottage Grove is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a tremendous reputation in the Cottage Grove area.
First-time homebuyers, home sellers, homeowners, 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.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan each year, which can be good in Cottage Grove for some protection against something like your heater needing repairs when you require it the most.
The service fee is the price you pay every time there's an issue with a system or appliance and you file a claim with your home warranty. Service fees are typically between $60 and $150.
A home warranty in Cottage Grove can cost anywhere from $40 to $80 a month. The higher-priced plans usually have a lower service fee, more coverage, and higher coverage limits.
A home warranty will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
