Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Owning a home in Geneva has a lot of great benefits, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in Geneva can help bring down 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 filled with many providers — all with different offerings — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Geneva.
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 for Geneva residents. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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 for Geneva residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
Read more by visiting our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 for Geneva residents. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
Read more by visiting our 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 Geneva residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the 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 easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 for Geneva residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 for Geneva residents. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,777 |
| Heating | $3,851 |
| Electrical | $578 |
| Toilets | $481 |
| Washer/Dryer | $770 |
| Plumbing | $578 |
| Oven | $1,540 |
| Fridge | $578 |
A home warranty is a protection plan that assists Geneva homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include dishwashers, refrigerators, microwaves, garbage disposals, washers, dryers, and more. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranties also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. Geneva homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically include electrical, AC, plumbing, heating, and appliances, while more comprehensive options may also cover pools, roof leaks, well pumps, and spas. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some providers also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record gives you insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Complimentary reviews and ratings indicate a company known for stellar service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Bigger networks improve the chance of getting skilled contractors to your home quickly. Reach out to possible providers to find out how many repair professionals they have in Geneva. This helps you understand how long repairs might take in an urgent situation.
Home warranty providers may include perks such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond just repair coverage. Additional perks help maximize the usefulness of your home warranty.
Geneva’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Plus, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
One disadvantage of a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it’s important to read over the contracts you’re considering carefully to get a sense of what is included and what isn’t.
Another thing to bear in mind is that some companies don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren’t sure or if this is a problem for you.
A home warranty costs, on average, about $300 to $600 a year in Geneva. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically less expensive 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Geneva.
Homebuyers, home sellers, homeowners, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Geneva, where the median home value is $193,037, having the seller pay for the home warranty can save you some money on your new home.
