Best home warranty in Illinois
A home warranty can save your budget from a big hit if an appliance or major system (e.g., an air conditioner unit) stops working. The best home warranty companies understand that homeowners want to have peace of mind knowing that a covered appliance can be replaced or repaired if it fails. Let’s discuss how to shop for the best home warranty in Illinois.
Why opt for a home warranty in Illinois?
The harsh winters, wet springs and hot summers of Illinois can cause extra wear and tear on HVAC systems and sump pumps. Becoming a homeowner is an excellent investment, but you might scramble to find reputable repair services or cover unexpected expenses if these systems break down.
Appliances can sometimes break due to normal wear and tear from regular use. Whether you’re a homebuyer building a new home with brand-new appliances or purchasing your next home with pre-used appliances, having a home protection plan reduces the uncertainty regarding possible appliance or system failures.
With Cinch Home Services, breakdowns aren’t problems for homeowners. We cover common problems (e.g., broken refrigerators) and major issues (e.g., HVAC malfunctions). The only additional cost to the homeowner is a small service fee.
How to find the best home warranty in Illinois
Home warranty companies offer plans with different price points and coverage levels.
If you plan to explore home warranty offers, consider the following:
-
Decide which appliances or systems to cover. Are you mainly concerned about major appliances, or do you also want protection for built-in systems like plumbing and air conditioning?
-
Consider which optional coverage is available from the home warranty provider. Are they flexible enough to allow add-on coverage for things like a swimming pool or septic system?
-
Look at the monthly premium and service fee (deductible) for a repair visit to assess the cost of a plan. Plans with a higher service fee usually have a lower monthly premium.
-
Read home warranty reviews. Gauge how well different warranty companies handle customer claims.
Cinch home warranty plan options
Cinch offers home protection plans with three levels of coverage. The Appliances plan is an affordable basic plan that covers most major appliances. Customers who would rather protect home systems like plumbing and HVAC can opt for a Built-in Systems plan. For additional coverage, choose a Complete Home plan that combines the two. Cinch has you covered with home warranty plans, no matter the size of your home or budget.
Appliances
A broken appliance can disrupt your whole household. Without the protection of a home warranty, you could face an expensive bill to repair or replace it. With Cinch, if an appliance breaks from normal wear and tear, we’ll work to send a vetted service technician to repair it. We even guarantee workmanship for 180 days. We'll cover the replacement cost up to the coverage limits if the appliance can’t be fixed.
Here are the major appliances covered by a Cinch Home Warranty:
-
Clothes dryers
-
Clothes washers
-
Cooktops
-
Dishwashers
-
Food centers (built-in)
-
Freestanding ice makers
-
Microwaves (built-in)
-
Ranges and exhaust hoods
-
Refrigerators
-
Trash compactors
-
Wall ovens
Built-in Systems
Appliance repairs might not be a concern if most of your appliances are new or covered by the manufacturer’s warranty. Instead, you might worry about a plumbing issue or a problem with your home’s heating or cooling systems. The average cost of replacing a home HVAC unit ranges from $5,000 to $12,000, definitely creating cause for concern. Put your mind at ease with a Cinch Built-in Systems plan.
Here are the systems and equipment covered with a Built-in Systems plan home warranty:
-
Air conditioner and ductwork
-
Attic exhaust fans
-
Ceiling fans
-
Central vacuums
-
Doorbells
-
Electrical system
-
Garage door openers
-
Garbage disposals
-
Heating system and ductwork
-
Hot/cold water dispenser
-
Plumbing system and plumbing stoppages
-
Smoke detectors
-
Sump pumps
-
Toilets
-
Water heater
-
Jetted tub
Complete home
Our most comprehensive coverage is the Complete Home plan. This combination plan covers the things listed in both the Appliances plan and the Built-in Systems plan. Benefits include a Homeowners Insurance Deductible Reimbursement of up to $500. Talk to us about add-on coverage if you need protection for special features like swimming pools, septic systems and well pumps. Each plan includes a $25 credit for refrigerator or air-conditioner filters.
How home warranties work in Illinois
Dealing with a broken appliance or system is stressful enough, so we keep the claims process simple.
If something breaks down in your home, follow these steps:
-
Check your policy to be sure it’s a covered item.
-
Reach out to us online or by phone to request service. We’re available 24/7.
-
A service provider will call you to set up an appointment with a vetted service technician from our network of more than 14,000 professionals.
-
The technician will come to your home to diagnose, repair or replace your appliance.
-
Your only cost is a service fee, payable on the day of the repair visit.
While most providers guarantee their repairs for 90 days or less, Cinch has a 180-day workmanship guarantee on covered repairs. If something goes wrong, we’ll work to make it right.
Discover the best Illinois home warranty options from Cinch Home Services
Are you ready if a major appliance or home system breaks down? You have to consider not just the cost, but also the challenge of finding a reputable technician in an emergency. Look into Cinch home warranties for the peace of mind our plans can bring. We offer three reasonably priced plans with different levels of coverage to protect all or part of your home systems and appliances. Visit today for an instant quote and learn more about the best protection for your home and budget.
Illinois home warranty FAQ
If you’re looking to invest in a home warranty, you probably have some questions. We have compiled a few of the most frequently asked questions about home warranties in Illinois.
What is the difference between a home warranty and home insurance?
Some homeowners are unclear regarding the difference between homeowners insurance and a home warranty. Each protects the home, but they have very different benefits.
Homeowners insurance covers home repair for damage to your house and personal property from specific causes like fire, theft and natural disasters. If you have a mortgage, your lender probably requires you to carry homeowners insurance to protect its real estate investment. A homeowners policy will not cover repairing your home appliances and systems if they break down.
In contrast, a home warranty is a service contract that covers repairing or replacing major appliances and systems when they malfunction due to normal wear and tear. A home warranty does not cover structural issues, like a limited roof leak.
How much do home warranties cost in Illinois?
The home warranty cost in Illinois varies depending on the plan selected. The Appliances plan is the most economical. The Built-in Systems plan includes more coverage at a slightly higher cost. Most customers select the Complete Home plan to protect major appliances and systems combined.
The service charge or deductible is another factor that affects the premium. When purchasing a plan, homeowners also choose a deductible cost to be paid at the time of a service call. Most customers choose a higher deductible because plans with a higher deductible have a lower monthly premium.
What does a home warranty cover?
Cinch home warranty plans cover more than 20 appliances and home systems. Cinch plans offer three coverage options.
-
The Appliances plan home warranty covers major appliances, like clothes washers and dryers, microwaves, dishwashers and refrigerators.
-
The Built-in Systems plan covers your home’s systems. This includes air conditioning and ductwork, plumbing, the garbage disposal and many other items.
-
The Complete Home plan combines coverage for appliances and built-in systems. It includes a Homeowners Insurance Deductible Reimbursement.