Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're thinking about getting a home warranty, our guide on the best providers in Monticello can help. Monticello gives homeowners some great neighborhoods and the opportunity to enjoy the snow in the winter. However, those freezing temperatures can put quite a strain on your home's systems, such as your HVAC.
A home warranty can offer you the peace of mind you need about your home and shield your savings account from large expenses by covering your home's major systems and appliances. Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the right choice for your Monticello home. That's why we've done the research and have put together a list of the top home warranty options in Monticello.
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 Monticello residents. Choice has been in the home warranty industry for about 15 years. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our detailed 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
In Monticello, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans that Select offers include options for appliance and system coverage. With a home warranty from Select, you can benefit from 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.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Select has coverage caps of around $2,000 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 a reasonable $60.
To read more, visit our thorough review of Select Home Warranty. 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
American Home Shield is the most customizable home warranty for Monticello residents. AHS has been on the market for more than 26 years, making it a highly regarded company in the industry. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
Read our thorough review of American Home Shield to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 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 Monticello residents. HSC has been in business for around 15 years, making it a highly regarded company in the industry. 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 warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our The Home Service Club full review.
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
Liberty Home Guard offers the most trustworthy home warranty for Monticello residents. Liberty has been operating for more than 6 years, making it a well-regarded company in the industry. 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. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard offers 3 plans for Monticello homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive 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
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 Monticello, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for about 44 years. 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. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services has 3 plans that offer 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 Monticello area.
To get 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 Cinch Home Services Review.
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 | $6,116 |
| Heating | $4,077 |
| Electrical | $612 |
| Toilets | $510 |
| Washer/Dryer | $815 |
| Plumbing | $612 |
| Oven | $1,631 |
| Fridge | $612 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator stops working, and the repair is several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies often don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue.
Once you submit the claim, it will be assigned to a local technician that will come to your home and assess the issue. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty plan offers coverage on your home's major appliances and systems and it can help cut back on the cost of maintaining your home. The appliances typically covered under a home warranty plan are the dishwasher, dryer, microwave, washing machine, refrigerator, oven, and more. System coverage typically includes plumbing, heating, air conditioning, electrical systems, and more.
Add-on coverage will vary from one plan to the next, but you can expect to see things like roof leaks, spas, central vacuums, pools, sump pumps, and electronics.
A home warranty will only cover 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 misuse, cosmetic damages, lack of maintenance, and pre-existing conditions.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Monticello hitting an average high of 53℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
Plus, having a Monticello home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
As for the downsides 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, such as those needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances probably won't be covered by the home warranty.
Choosing the best home warranty in Monticello for your family depends on the coverage you want, the home warranty provider you opt for, and your location, among other factors. Before deciding which home warranty to purchase, here are a few additional factors to keep in mind:
Our pick for the best overall home warranty in Monticello is Choice Home Warranty, but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which are not that common in Monticello.
A home warranty policy can help real estate agents, homebuyers, investors, homeowners, and home sellers. It can provide peace of mind to anyone involved with homeownership.
Generally a home warranty lasts for a year and you can renew it annually. In Monticello where many rely on heaters to warm their homes in the chilly winters, renewing your policy could help mitigate large, unexpected expenses if your HVAC system needs repairs.
Most home warranties will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
Typically the person who owns the home pays for the home warranty. In when selling a home, though, the person who is selling the home may purchase 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. Considering that the average home value in Monticello is $223,100, a home warranty can help you avoid more costs when buying a home.
Typically, coverage for a home warranty plan begins 30 days on the day the sale closes. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
