Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many, but maintaining it can get costly over time, especially if your home in Cottage Grove is on the older side. A home warranty plan can help protect you by reducing the costs of major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Cottage Grove.
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 Cottage Grove, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been on the market for over 6 years, making it a well-regarded company in the industry. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered appliance or system.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. To read more, visit our Liberty Home Guard full 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 Cottage Grove, Choice Home Warranty offers the best overall home warranty. Choice has been on the market for over 15 years, making it a well-regarded company in the industry. 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. Choice has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
To get 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 has been on the market for over 11 years, making it a well-regarded company in the industry. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered appliance or system.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full 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 Cottage Grove, American Home Shield offers the most customizable home warranty. AHS has been on the market for over 26 years, making it a well-regarded company in the industry. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield full review.
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
In Cottage Grove, First American Home Warranty offers the best home warranty for appliance coverage. First American has been on the market for over 39 years, making it a well-regarded company in the industry. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our First American Home Warranty full review.
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
In Cottage Grove, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been on the market for over 44 years, making it a well-regarded company in the industry. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our Cinch Home Services full 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 Cottage Grove, The Home Service Club offers the best home warranty with the quickest service. HSC has been on the market for over 15 years, making it a well-regarded company in the industry. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full 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 | $6,110 |
| Heating | $4,073 |
| Electrical | $611 |
| Toilets | $509 |
| Washer/Dryer | $815 |
| Plumbing | $611 |
| Oven | $1,629 |
| Fridge | $611 |
A home warranty is a protection plan that assists Cottage Grove homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix 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 gives peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with outdated systems. Newer builds with modern appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as garbage disposals, dishwashers, microwaves, dryers, refrigerators, washers, and more. Covered systems include air conditioning, plumbing, heating, and electrical. Many home warranty companies also offer add-on coverage for roof leaks, septic systems, central vacuums, and locksmiths. It's important for Cottage Grove 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 resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Here are some key home warranty terms to learn before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for electrical, heating, AC, plumbing, and appliances. More robust plans also offer protection for other items such as well pumps, pools, roof leaks, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising lower service fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation provides insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in Cottage Grove and get an idea of how fast your repairs could be handled in an emergency. Wider networks increase the probability of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Temperatures in Cottage Grove can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Cottage Grove, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Additionally, having a home warranty can save you time by removing the need to research repair people — most companies will send a trusted professional right to your door to carry out the repair or replacement. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
One downside of purchasing a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read over the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Cottage Grove can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. 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.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in a situation such as a fire or natural disaster. Under homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Cottage Grove.
Homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Cottage Grove include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the policy.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually the person who owns the home is responsible for paying for the home warranty. In some cases, though, the person who is 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 Cottage Grove is $392,559, a home warranty can be an added asset when buying a home.
