Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Lincoln Park can be expensive, particularly as your home ages and your systems and appliances need to be updated. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Lincoln Park. Read on for our 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
In Lincoln Park, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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 plans that Liberty offers to homeowners 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, fill out this online form or give them a call at 866-451-2281. For more information, read our Liberty Home Guard Review.
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 Lincoln Park, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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.
The plans that Choice offers to homeowners 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 company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information, read our Choice Home Warranty 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 Lincoln Park, 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. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. 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 company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information, read our Select Home Warranty Review.
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 Lincoln Park, American Home Shield offers the most customizable home warranty. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information, read our American Home Shield Review.
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 Lincoln Park, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 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 customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our Cinch Home Services Review.
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 Lincoln Park, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC 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 company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information, read our The Home Service Club Review.
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 | $6,957 |
| Heating | $4,638 |
| Electrical | $696 |
| Toilets | $580 |
| Washer/Dryer | $928 |
| Plumbing | $696 |
| Oven | $1,855 |
| Fridge | $696 |
A home warranty is a protection policy that assists Lincoln Park homeowners reduce the high costs of household repairs. These plans provide financial coverage to fix or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with working appliances probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances normally include dryers, washers, refrigerators, microwaves, garbage disposals, dishwashers, and more. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranty providers also offer add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Most home warranty plans require Lincoln Park homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for electrical, AC, plumbing, heating, and appliances, while more comprehensive plans may also cover spas, well pumps, pools, and roof leaks. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation can provide insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential providers to ask how many repair technicians they have in Lincoln Park and get an idea of how fast your repairs could be handled in an emergency. More extensive networks raise the chance of getting qualified contractors to swiftly service your home.
Home warranty providers may include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These add value beyond just repair coverage. Added perks help maximize the usefulness of the home warranty.
Temperatures in Lincoln Park can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Lincoln Park, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most. Another added benefit of having a home warranty policy is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some drawbacks to getting a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another thing to bear in mind is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you need more information or if this is an issue for you.
A home warranty in Lincoln Park can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you opt for 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 helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, 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 isn't that common in Lincoln Park.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different home warranties in Lincoln Park include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, however, the one 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. Considering that the average home value in Lincoln Park is $461,815, a home warranty can be an added asset when buying a home.
