Best 6 Home Warranty Companies in Rich, IL

Are Home Warranties Worth It for Rich Residents?

Home warranties are worth it for Rich residents. Rich summers can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Winters in Rich are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Rich can damage your home's roof.

The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.

When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

These important factors can help you determine the best home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before choosing a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and would like coverage for. If you only want coverage for select appliances or systems (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Generally, home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, defects, routine maintenance, or theft are also not covered. Providers outline exclusions and limitations in their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another key factor to consider. You can browse customer reviews on sites such as Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles customer service and claims. Check with the Illinois Attorney General to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Rural homeowners should consider choosing a home warranty that lets them select their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.