Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Deerfield comes with quite a few benefits, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty in Deerfield can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be challenging because of the many options available. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty companies in Deerfield.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Deerfield, Liberty Home Guard offers the most trustworthy home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
Read more by visiting our Liberty Home Guard full review. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Deerfield, Choice Home Warranty offers the best overall home warranty. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage 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. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
Read more by visiting our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Deerfield, Select Home Warranty offers the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
Read more by visiting our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care 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 Deerfield, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, 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 Deerfield, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
Read more by visiting our Cinch Home Services full review. To receive a free quote from Cinch Home Services, 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 Deerfield, The Home Service Club offers the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, 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 | $7,043 |
| Heating | $4,695 |
| Electrical | $704 |
| Toilets | $587 |
| Washer/Dryer | $939 |
| Plumbing | $704 |
| Oven | $1,878 |
| Fridge | $704 |
A home warranty is a protection plan that assists Deerfield homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to replace or fix appliances and systems that malfunction due to normal wear and tear.
When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who own older homes or ones with aging systems. Newer builds with working fixtures probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include garbage disposals, dishwashers, microwaves, washers, refrigerators, dryers, and more. Protected systems include plumbing, air conditioning, heating, and electrical. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Deerfield homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies usually only cover repairs and replacements resulting from 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.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover plumbing, AC, electrical, heating, and appliances. More comprehensive plans also include protection for other items such as spas, well pumps, pools, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Read through review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Favorable feedback and ratings suggest a company known for delivering quality service.
Home warranty providers maintain networks of professionals to handle covered repairs. Bigger networks improve the probability of getting qualified technicians to swiftly service your home. Ask potential providers how many contractors they have in Deerfield to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as reduced maintenance fees, smart home device coverage, and energy efficiency upgrades. These extras can offer extra value beyond just repair coverage. Added bonuses allow you to enhance your home and get the most from your warranty policy.
Since temperatures in Deerfield can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Additionally, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
One disadvantage of a home warranty is that there are generally exclusions. For instance, 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 the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Deerfield. 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. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Deerfield.
A home warranty policy can help homebuyers, home sellers, real estate agents, homeowners, and investors. It can offer peace of mind and savings to anyone involved with homeownership.
The different types of home warranties in Deerfield include plans with coverage for 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 HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Home warranty plans generally last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Usually the one who owns the home pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty 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 Deerfield is $521,953, a home warranty can be an added asset when buying a home.
