Written By David Cusick
Last Updated February 2024
Owning a home in Monona has many great benefits, but there are some downsides. Cold weather and snow can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty policy can help protect homebuyers and current homeowners by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Monona.
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 Monona residents. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our 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 Monona residents. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our 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 Monona residents. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch offers include options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our 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 Monona residents. 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, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our 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 | $6,266 |
Heating | $4,177 |
Electrical | $627 |
Toilets | $522 |
Washer/Dryer | $835 |
Plumbing | $627 |
Oven | $1,671 |
Fridge | $627 |
A home warranty is a protection plan that helps reduce the high costs for Monona homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair 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 plan gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include microwaves, washers, garbage disposals, dishwashers, dryers, refrigerators, and others. Protected systems include plumbing, electrical, air conditioning, and heating. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. It's important for Monona homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover plumbing, electrical, heating, AC, and appliances. More robust coverage options also include protection for other items such as spas, roof leaks, pools, and well pumps. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your 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, some homeowners prefer to choose a provider with lower service fees to maximize savings on every claim. Some providers also remove deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of professionals to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to promptly service your home. Contact potential providers to find out how many contractors they have in Monona to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers provide extras such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Temperatures in Monona 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 Monona, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your home more attractive to potential homebuyers and may help your house sell faster.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty policy costs, on average, about $300 to $600 a year in Monona. 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 opting for a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies 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 larger insurance that protects the entire home from natural disasters, which can sometimes be a concern in Monona. It doesn't cover a typical appliance or system damage.
First-time homebuyers, home sellers, real estate agents, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty plan can cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty plan lasts for a year and can be renewed yearly. 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 is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Monona, where the median home value is $421,296, having the seller pay for the home warranty can save you some money on your new home.