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Last Updated: February 25, 2025
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 need repairs over the next few years. A home warranty can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home’s most important appliances and systems.
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 best home warranty companies in Cedarburg. Keep reading for our home warranty recommendations.
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 on the market for over 15 years, making it a well-regarded company in the industry. 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. Choice has 2 simple plans, making the selection process quick and easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. 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 a more detailed breakdown, read our review of Choice Home Warranty. To receive 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 on the market for over 26 years, making it a well-regarded company in the industry. 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. AHS has 3 simple plans, making the selection process quick and easy.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. 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 a more detailed breakdown, read our review of American Home Shield. To receive 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 on the market for over 44 years, making it a well-regarded company in the industry. 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. Cinch has 3 simple plans, making the selection process quick and easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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 a more detailed breakdown, read our review of Cinch Home Services. To receive 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 on the market for over 15 years, making it a well-regarded company in the industry. 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. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. 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 a more detailed breakdown, read our review of The Home Service Club. To receive 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 assists Cedarburg homeowners reduce the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that malfunction 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 peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are especially useful for older houses or those with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as garbage disposals, dishwashers, dryers, washers, refrigerators, microwaves, and others. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty companies also offer add-on coverage for locksmiths, septic systems, central vacuums, and roof leaks. Cedarburg homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties have significant variation in what they include. Basic policies typically cover plumbing, heating, AC, electrical, and appliances, while more comprehensive plans may also cover roof leaks, spas, well pumps, and pools. Look for a company that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's rating gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in Cedarburg and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the likelihood of getting qualified contractors to quickly service your home.
Home warranty companies sometimes offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These add value beyond basic repair coverage. Additional perks help maximize the usefulness of your home warranty.
Temperatures in Cedarburg can drop to the negatives in the winter, which means your heating system is likely to get a decent amount of use. As a homeowner in Cedarburg, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Additionally, having a home warranty can save you time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to do the necessary repair or replacement. A home warranty can also have value in other ways. For example, some policies can be transferred to another owner during a home sale.
As for the negatives of home warranties, system and appliance coverage varies by company, so it’s important to understand what each plan covers and excludes in the contract.
In addition, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 policy costs, on average, around $300 to $600 a year in Cedarburg. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects a home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or oven, unless the damage is due to a natural disaster, which isn't that common in Cedarburg.
Homebuyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, 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 has to pay the service fees. In Cedarburg, where the median home value is $485,349, having the seller pay for the home warranty can be a good asset for your new home.
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