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Last Updated: February 25, 2025
As much as you may love homeownership in Onalaska, there's always that fear about whether your systems and appliances are going to need repairs over the next few years. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Onalaska 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 Onalaska, Choice Home Warranty offers the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for homeowners to decide between.
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.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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 Onalaska, American Home Shield offers the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for homeowners to decide between.
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.
For more information, read our American Home Shield Review. To get a free quote from American Home Shield, you can fill out this online form or call 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 Onalaska, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for homeowners to decide between.
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.
For more information, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can fill out this online form or call 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 Onalaska, The Home Service Club offers the best home warranty with the quickest service. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for homeowners to decide between.
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.
For more information, read our The Home Service Club Review. To get a free quote from The Home Service Club, you can fill out this online form or call 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 | $5,956 |
| Heating | $3,971 |
| Electrical | $596 |
| Toilets | $496 |
| Washer/Dryer | $794 |
| Plumbing | $596 |
| Oven | $1,588 |
| Fridge | $596 |
A home warranty is a protection plan that assists Onalaska homeowners cut the high costs of household repairs. These plans provide financial coverage to fix or replace appliances and systems that break down from 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 homeowners reassurance by helping 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, people with newer homes and working appliances might not require a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances include dishwashers, microwaves, dryers, refrigerators, washers, garbage disposals, and others. Protected systems include heating, plumbing, electrical, and air conditioning. Various home warranty plans offer additional coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Onalaska homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only help pay for repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing 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 understand key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranties vary widely in terms of included coverage. Basic plans typically include AC, plumbing, heating, electrical, and appliances, while more comprehensive plans may also cover spas, well pumps, roof leaks, and pools. Look for a company that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which is paid per service call made. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives you insight into things such as timeliness of repairs, claim approval rates, contractor quality, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks raise the probability of getting skilled contractors to your home swiftly. Contact possible providers to find out how many technicians they have in Onalaska to understand how long repairs could take in an urgent situation.
Home warranty companies might offer perks such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond just repair coverage. Additional perks can maximize the usefulness of your home warranty.
Onalaska’s frigid winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty providers 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 if you want to sell your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and may help your home sell faster.
One drawback of signing up for a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Additionally, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Onalaska can cost anywhere from $30 to $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Onalaska. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help real estate agents, homebuyers, investors, homeowners, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Onalaska include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the policy.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Usually the homeowner is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Onalaska is $320,868, a home warranty can save you some money when buying a home.
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