Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Plainfield comes with quite a few positives, but it also comes with its difficulties. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Plainfield for you.
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 Plainfield, Liberty Home Guard is the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Plainfield area.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our comprehensive review of Liberty Home Guard.
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 Plainfield, Choice Home Warranty is the best overall home warranty. 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 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Plainfield area.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our comprehensive review of Choice Home Warranty.
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 Plainfield, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Plainfield area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our comprehensive review of Select Home Warranty.
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 Plainfield, American Home Shield is the most customizable home warranty. 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 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Plainfield area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our comprehensive 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
In Plainfield, Cinch Home Services is the home warranty with the best workmanship guarantee. 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 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Plainfield area.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our comprehensive 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
In Plainfield, The Home Service Club is the best home warranty with the quickest service. 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 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Plainfield area.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our comprehensive 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 | $6,547 |
| Heating | $4,365 |
| Electrical | $655 |
| Toilets | $546 |
| Washer/Dryer | $873 |
| Plumbing | $655 |
| Oven | $1,746 |
| Fridge | $655 |
A home warranty is a protection plan that assists Plainfield homeowners cut the expenses of appliance and system repairs. The plans provide coverage to repair or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties safeguard your home systems and appliances. Common covered appliances include dryers, washers, refrigerators, dishwashers, garbage disposals, microwaves, and more. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranties also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Plainfield should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, AC, plumbing, heating, and appliances. More robust coverage options also cover other items such as well pumps, pools, spas, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Read through review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good feedback and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks increase the probability of getting skilled contractors to your home promptly. Reach out to possible providers to learn how many repair professionals they have in Plainfield to understand how long repairs may take in an urgent situation.
Some home warranty companies offer bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These perks add value beyond repair coverage. Added bonuses help maximize the usefulness of your home warranty.
Since temperatures in Plainfield can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of needing to vet contractors on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
Home warranties also have some cons. Though it can save you time when the home warranty sends out a service technician who takes care of the repair for you, some homeowners may not like this, and they may want to choose a contractor themselves. If that’s the case for you, some home warranty companies allow you to select a contractor.
Another thing to take into consideration is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about these things if you need more information or if this is an issue for you.
A home warranty in Plainfield can cost between $30 and $60 a month. The higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new washing machine or stove, unless the damage is a result of a natural disaster, which is somewhat common in Plainfield.
A home warranty can help investors, homeowners, home sellers, homebuyers, and real estate agents. It can offer peace of mind to anyone involved with homeownership.
A home warranty can cover your systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month options as well.
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 Plainfield, where the median home value is $436,435, having the seller pay for the home warranty can save you some money on your new home.
