Best 6 Home Warranty Companies in Wayne, IL

Are Home Warranties Worth It for Wayne Residents?

Home warranties are worth it for Wayne residents. Wayne can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.

Wayne winters are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies nationwide.

The regular rain in Wayne can damage your roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trusted service providers.

Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you choose the right home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined 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 generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know what you need before selecting a plan.

Coverage

Determine the systems and appliances you use most frequently. Most home warranty plans offer customizable coverage tailored to your needs. If you only need coverage for select systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. 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

Home warranties generally only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.

Provider Reputation

Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading reviews can show you how companies handle customer service and claims. Check with the Illinois Attorney General to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.