Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many, but maintaining it can be costly over time, especially if your home in Deerfield is on the older side. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be difficult because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty providers in Deerfield.
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 Deerfield. Liberty has been in the home warranty business for about 6 years. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
Read our review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, 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 Deerfield. Choice has been in the home warranty business for about 15 years. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. 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.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, 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 Deerfield. Select has been in the home warranty business for about 11 years. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
Read our review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, 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 Deerfield. AHS has been in the home warranty business for about 26 years. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
Read our review of American Home Shield to learn more. To receive a free quote from American Home Shield, 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 Deerfield. First American has been in the home warranty business for about 39 years. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it 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 Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500.
Read our review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, 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 Deerfield. Cinch has been in the home warranty business for about 44 years. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
Read our review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, 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 Deerfield. HSC has been in the home warranty business for about 15 years. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. 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 Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
Read our review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, 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 | $6,230 |
| Heating | $4,153 |
| Electrical | $623 |
| Toilets | $519 |
| Washer/Dryer | $831 |
| Plumbing | $623 |
| Oven | $1,661 |
| Fridge | $623 |
A home warranty is a protection plan that assists Deerfield homeowners reduce the costs of appliance and system repairs. The plans provide coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are particularly useful for older houses or those with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties cover your home's systems and appliances. Common covered appliances are dishwashers, microwaves, garbage disposals, refrigerators, dryers, washers, and others. Protected systems include air conditioning, plumbing, heating, and electrical. Many home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. It's important for Deerfield homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for electrical, heating, plumbing, AC, and appliances. More inclusive options also cover other items such as spas, well pumps, roof leaks, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's 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, you may want to choose a provider with lower service fees to maximize savings. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. More extensive networks increase the likelihood of getting skilled contractors to your home quickly. Contact possible providers to learn how many contractors they have in Deerfield. This helps you understand how long repairs may take in an urgent situation.
Some home warranty companies include bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These add value beyond just repair coverage. Added bonuses maximize the usefulness of your home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Deerfield reaching an average high of 61℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting technicians by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can help make your house more attractive 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 same protection you’ve been receiving.
One drawback of buying a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in 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.
Plus, 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 Deerfield 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 reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects your entire home from natural disasters, which might not be too much of a concern in Deerfield. It doesn't cover a typical appliance or system damage.
A home warranty can help home sellers, homebuyers, homeowners, real estate agents, and investors. It can provide peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Deerfield include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Generally, the homeowner is responsible for paying the premium and service fees. However, when buying 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 Deerfield, where the median home value is $212,633, having the seller pay for the home warranty can be a good asset for your new home.
