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Written By David Cusick
Last Updated June 2024
As much as you may enjoy owning a home in Cudahy, there's always that worry about whether your appliances and systems are going to need to be replaced in the next few years. A home warranty policy can help protect homeowners by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Cudahy. Read on for our 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
Choice Home Warranty is the best overall home warranty in Cudahy. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Cudahy area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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
American Home Shield is the most customizable home warranty in Cudahy. AHS is a home warranty company with 26 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Cudahy area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 in Cudahy. Cinch is a home warranty company with 44 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Cudahy area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Cudahy. HSC is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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, HSC is the perfect 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Cudahy area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,033 |
Heating | $4,022 |
Electrical | $603 |
Toilets | $503 |
Washer/Dryer | $804 |
Plumbing | $603 |
Oven | $1,609 |
Fridge | $603 |
A home warranty is a protection policy that helps Cudahy homeowners cut the costs of appliance and system repairs. The plans provide coverage to repair or replace appliances and systems that stop working 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 cost of repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who own older homes or ones with outdated systems. More modern builds with functional fixtures probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as dishwashers, microwaves, garbage disposals, washers, dryers, refrigerators, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer additional coverage for locksmiths, septic systems, roof leaks, and central vacuums. Cudahy 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 resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans include protection for AC, plumbing, electrical, heating, and appliances. More extensive plans may also cover additional items such as roof leaks, pools, spas, and well pumps. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific 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 providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks raise the chance of getting qualified contractors to your home swiftly. Reach out to possible providers to ask how many technicians they have in Cudahy. This helps you understand how long repairs could take in an urgent situation.
Certain home warranty companies include perks such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses provide extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Home warranty policies are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Cudahy reaching an average high of 53℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket expenses should your HVAC system break down.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may experience. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One main drawback of a home warranty is not every home system and appliance you care about may be covered. It’s important to weigh the different plans and sign up for one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some companies don’t cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty costs, on average, around $300 to $600 a year in Cudahy. Our top-rated home warranty providers' 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 cheaper 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 protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Cudahy.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan will 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 helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month options as well.
Usually, 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 Cudahy, where the median home value is $252,717, having the seller pay for the home warranty can save you some money on your new home.