Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Muskego offers homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market has many providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Muskego.
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 in Muskego. Choice has been in business for around 15 years, making it a highly regarded company in the industry. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, 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. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, 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 in Muskego. AHS has been in business for around 26 years, making it a highly regarded company in the industry. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information, 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 in Muskego. Cinch has been in business for around 44 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, 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 in Muskego. HSC has been in business for around 15 years, making it a highly regarded company in the industry. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, 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 | $6,312 |
| Heating | $4,208 |
| Electrical | $631 |
| Toilets | $526 |
| Washer/Dryer | $842 |
| Plumbing | $631 |
| Oven | $1,683 |
| Fridge | $631 |
A home warranty is a protection plan that assists Muskego homeowners cut the high costs of household repairs. These plans offer financial coverage to repair or replace appliances and systems that break down from 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 gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include dryers, refrigerators, dishwashers, washers, garbage disposals, microwaves, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranties offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Muskego homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, 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.
Here are some essential home warranty terms to know before signing a contract:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for heating, electrical, plumbing, AC, and appliances. More inclusive options also cover other items such as roof leaks, pools, spas, and well pumps. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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 company with lower service fees to maximize savings on every claim. Some companies also do away with deductibles when customers have a claim-free 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 TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks improve the chance of getting skilled contractors to your home promptly. Reach out to possible providers to find out how many technicians they have in Muskego. This helps you understand how long repairs might take in an urgent situation.
Some home warranty providers may include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These extras can offer extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your home warranty.
Since temperatures in Muskego can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may have. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
One downside of buying a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another thing to bear in mind is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty company for clarification about this if you need more information or if this is a problem for you.
A home warranty in Muskego can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems 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 your entire home from natural disasters, which might not be too much of a concern in Muskego. It doesn't cover a normal appliance or system damage.
A home warranty can help homebuyers, real estate agents, home sellers, investors, and homeowners. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in Muskego include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your systems and appliances, such as your dishwasher, washing machine, and HVAC. An appliance or system plan will cover only the specific items mentioned in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who 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. In Muskego, where the median home value is $448,982, having the seller pay for the home warranty can be a good asset for your new home.
