Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may love owning a home in Cedarburg, there's always that worry about whether your systems and appliances are going to hold up during the next few years. A home warranty in Cedarburg can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
The home warranty market is filled with a lot of providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Cedarburg.
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 Cedarburg, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for around 15 years. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the home warranty for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For more information, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total 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 Cedarburg, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the home warranty for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 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
In Cedarburg, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for around 44 years. 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 home warranty for you. Plus, it 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 provide a combination of appliance and system coverage. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
In Cedarburg, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. 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 home warranty 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 home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $6,049 |
| Heating | $4,033 |
| Electrical | $605 |
| Toilets | $504 |
| Washer/Dryer | $807 |
| Plumbing | $605 |
| Oven | $1,613 |
| Fridge | $605 |
A home warranty is a protection plan that helps Cedarburg homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only 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 fixes. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with modern appliances probably don’t require a home warranty.
Home warranties cover many household systems and appliances. Covered appliances typically include refrigerators, dryers, microwaves, garbage disposals, washers, dishwashers, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty companies also offer add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Most home warranty plans require Cedarburg homeowners to wait 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover AC, plumbing, electrical, heating, and appliances. More robust coverage options also include protection for other items such as well pumps, spas, roof leaks, and pools. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to 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 more affordable 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 provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential providers to learn the number of repair technicians they have in Cedarburg and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses can offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Cedarburg’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending a lot of money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a repair person to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
One of the main drawbacks of a home warranty is not everything may be covered. It’s important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty in Cedarburg can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Cedarburg. It doesn't cover a normal appliance or system damage.
A home warranty policy can help investors, real estate agents, home sellers, homebuyers, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Cedarburg include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, the homeowner is responsible for paying 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 given to the new homeowner, who has to pay the service fees. In Cedarburg, where the median value of a home is $485,349, having the seller pay for the home warranty can be a good asset for your new home.
