Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Janesville can be costly, especially as your home ages and your systems and appliances have to be repaired or replaced. A home warranty can offer you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the right warranty 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 Janesville. Keep reading 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 offers the best overall home warranty for Janesville residents. Choice has 2 simple plans, making the selection process quick and easy. 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.
The plans that Choice offers to homeowners are 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, fill out this online form or call 929-400-6164. Read more by visiting our detailed review of Choice Home Warranty.
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 offers the most customizable home warranty for Janesville residents. AHS has 3 simple plans, making the selection process quick and easy. 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.
The plans that AHS offers to homeowners are 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, fill out this online form or call 888-365-2839. Read more by visiting our detailed review of American Home Shield.
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 offers the home warranty with the best workmanship guarantee for Janesville residents. Cinch has 3 simple plans, making the selection process quick and easy. 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.
The plans that Cinch offers to homeowners are 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, fill out this online form or call 877-589-0505. Read more by visiting our detailed review of Cinch Home Services.
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 offers the best home warranty with the quickest service for Janesville residents. HSC has 2 simple plans, making the selection process quick and easy. 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.
The plans that HSC offers to homeowners are 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, fill out this online form or call 800-750-9443. Read more by visiting our detailed review of The Home Service Club.
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 | $5,957 |
| Heating | $3,971 |
| Electrical | $596 |
| Toilets | $496 |
| Washer/Dryer | $794 |
| Plumbing | $596 |
| Oven | $1,589 |
| Fridge | $596 |
A home warranty is a protection plan that helps reduce the high costs for Janesville homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit 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 repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include washers, dishwashers, microwaves, garbage disposals, dryers, refrigerators, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty plans offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. Most home warranty plans require Janesville homeowners to wait 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to know before signing a contract:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty coverage varies, although most plans include protection for electrical, plumbing, heating, AC, and appliances. More extensive plans may also cover extra things such as roof leaks, pools, well pumps, 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.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, 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 provide insight into things such as repair timeliness, contractor quality, approval rates, and customer service. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in Janesville and get an idea of how fast your repairs could be handled in an emergency. Bigger networks improve the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond repair coverage. Extra bonuses help you enhance your home and get the most from your home warranty.
Temperatures in Janesville can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Janesville, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One of the main drawbacks of home warranties is not everything may be covered. It’s important to compare the different policies and purchase one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Janesville. 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 choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with 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 your entire home from natural disasters, which can sometimes be a concern in Janesville. It doesn't cover a normal appliance or system damage.
First-time homebuyers, homeowners, real estate agents, landlords, and home sellers can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Janesville include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Janesville is $253,052, a home warranty can save you some money when buying a home.
