Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Oak Creek offers homeowners some beautiful living options. However, unanticipated repair and replacement costs on your home’s systems and appliances can get quite pricey. A home warranty can bring you the peace of mind you need and safeguard your savings account from large expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be overwhelming, since there are dozens of companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Oak Creek for you.
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 Oak Creek, Choice Home Warranty is the best overall home warranty. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read our detailed review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Oak Creek, American Home Shield is the most customizable home warranty. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our detailed review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 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 Oak Creek, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our detailed review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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 Oak Creek, The Home Service Club is the best home warranty with the quickest service. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read our detailed review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $6,378 |
| Heating | $4,252 |
| Electrical | $638 |
| Toilets | $532 |
| Washer/Dryer | $850 |
| Plumbing | $638 |
| Oven | $1,701 |
| Fridge | $638 |
A home warranty is a protection plan that helps Oak Creek homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to fix or swap out appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company 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 for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who own older homes or ones with aging systems. Newer builds with modern appliances probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are dryers, microwaves, refrigerators, dishwashers, washers, garbage disposals, and more. Covered systems are typically heating, air conditioning, electrical, and plumbing. Many home warranty companies offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Oak Creek homeowners to wait 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misusing 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 terms to learn before signing a contract:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans include protection for plumbing, heating, electrical, AC, and appliances. More comprehensive plans also include protection for other items such as well pumps, spas, roof leaks, and pools. Look for companies with an assortment of coverage options, such as upgraded plans. Flexibility helps you 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 company with more affordable fees to maximize savings on every claim. Some companies also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Use review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a company known for great service.
Home warranty providers have networks of technicians that they use to tackle covered repairs. Larger networks raise the chance of getting skilled contractors to your home promptly. Reach out to possible providers to find out how many contractors they have in Oak Creek. This helps you understand how long repairs might take in an urgent situation.
Certain home warranty companies provide perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses can provide extra value beyond repair coverage. Extra perks help improve your home and maximize your home warranty.
Temperatures in Oak Creek can drop to the negatives in the winter, which means your heating system is most likely going to get a good bit of use. As a homeowner in Oak Creek, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
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 come with a network of pre-vetted technicians who can handle any repair problems you may experience. Additionally, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.
Home warranties also have some downsides. While it can save you time when the home warranty sends out a contractor who carries out the repair for you, some may not like this, and they would prefer to choose their own contractor. If that’s the case for you, some home warranty companies let you choose a contractor.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Oak Creek. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's often less expensive 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 systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Oak Creek. It doesn't cover a normal appliance or system damage.
Homebuyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s 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 a good idea 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.
Generally, the homeowner is the one who pays 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 will pay the service fees when using the policy. In Oak Creek, where the median home value is $362,994, having the seller pay for the home warranty can save you some money on your new home.
