When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
With the weather patterns common in Ofallon, homes can go through quite a bit of wear and tear over time. There's nothing worse than having your air conditioning go out in the middle of a hot summer.
Finding the best home warranty on the market can be quite overwhelming as there are lots of companies to decide between. That's why the House Method team did the research and put together a list of the top home warranty companies in Ofallon for you.
Now that you're ready to buy a home warranty plan, the first step is thinking about what items you need coverage for. From there, you can compare plans and call different home warranty providers to get a free quote. Below is a list of factors that you'll want to keep in mind when selecting a home warranty provider:
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 Ofallon, Choice Home Warranty offers the best overall home warranty. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice has include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty offers 2 plans for Ofallon homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our Choice Home Warranty full review.
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 Ofallon, Select Home Warranty is the most cost-effective home warranty. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our full review of Select Home Warranty.
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 Ofallon, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
American Home Shield offers 3 plans for Ofallon homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our review of American Home Shield.
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
The Home Service Club is the best home warranty with the quickest service in Ofallon. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: 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 around $2,000 at the maximum.
For a more detailed breakdown, read our detailed review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Ofallon. 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. Liberty has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our review of Liberty Home Guard.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Ofallon residents. Cinch is a home warranty provider with 43 years of experience in the industry, and it has become one of the best providers in the business. Cinch has 3 simple plans, making the selection process quick and easy. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. 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.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our comprehensive review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Ofallon
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Ofallon home comfortable and convenient. When these things need updating, it can be expensive and a inconvenience. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to look at the problem. Once you file the claim, it will be assigned to a local technician that will come to your home and look at the problem. At this point, you pay the service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket expense you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
Home warranties help protect both your home systems and appliances. A home warranty can cover repair and replacement-related costs that are a result of normal wear . Appliances covered under a home warranty plan are usually the dryer, refrigerator, garbage disposal, microwave, dishwasher, and more. Systems that are covered usually include heating systems, water heaters, plumbing systems, electrical systems, and air conditioners. Many home warranty plans also provide add-on coverage options like roof leaks, locksmith, central vacuum, and even septic systems.
Ofallon homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, natural disasters, misuse of a system or appliance, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Temperatures in Ofallon can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Ofallon, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can a home warranty give you some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a contractor and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
As for the downsides of home warranties, system and appliance coverage varies by company so it's important to understand what each policy covers and doesn't include in the contract. Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won't cover home systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty can be the solution to some of a homeowner's maintenance concerns, but in the end, it's up to you to decide if investing in one is a good move for you and your family. Be sure to do your research and read over any home warranty contracts that you're considering getting to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can choose the best home warranty for your Ofallon home. All of these top home warranty companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and ease of use make it a great home warranty for Ofallon homeowners.
The top home warranty company in Ofallon is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a great reputation in the Ofallon area.
A home warranty is a kind of service contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty plan covers the normal wear and tear of home systems and appliances. Homeowners insurance protects a 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 if you need a new dryer or stove, unless the damage is a result of a natural disaster.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
Most home warranties cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
The service fee is the price you pay each time there's an issue with a home system or appliance. The service fees are usually priced between $60 and $150.
