A home warranty in Merriam can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
With a relatively mild climate, Merriam is a great place to own a home. However, homeownership comes with its challenges, like repairing and replacing your home's systems and appliances.
Since the home warranty market is saturated with many providers — all with different offerings — our team at House Method decided to do the research for you to help you find the right home warranty in Merriam.
The first step in protecting your property with a home warranty is determining which company's plan fits your needs. Think about the appliances and systems in your home you'd like coverage for and compare the plans. Below is a list of factors that you'll want to be mindful of when picking 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
Choice Home Warranty is the best overall home warranty in Merriam. 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. Choice offers 2 plans for you to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.
For more information, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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 Merriam, Select Home Warranty offers the most cost-effective home warranty. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty Review.
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
American Home Shield is the most customizable home warranty for Merriam residents. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
American Home Shield offers 3 plans for Merriam homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
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 offers the best home warranty with the quickest service for Merriam residents. With a home warranty from HSC, you can benefit from 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 home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Merriam 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 review of The Home Service Club.
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 offers the most trustworthy home warranty in Merriam. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Merriam, First American Home Warranty is the best home warranty for appliance coverage. First American has more than 38 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 2 plans from First American are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Merriam area.
Read more by visiting our First American Home Warranty full review. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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 Merriam, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers 3 plans for you to decide between. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
Read our comprehensive review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Merriam
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having one in place can provide some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty plan.
For Merriam homeowners, when a problem happens with a covered appliance or system, it is very straightforward to file a claim. Most home warranty companies have an online portal where a claim can be submitted. Once you file the claim, it will be assigned to a local technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, your home warranty provider can help. The appliances a home warranty typically covers include a clothes washer, refrigerator, clothes dryer, microwave, cooktop, stove, dishwasher, and more. The systems included are the heating system, plumbing, electrical, air conditioner, water heater, and more. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as sump pumps, roof leaks, spas, pools, central vacuums, and electronics.
A Merriam home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Merriam home warranty.
Since temperatures in Merriam can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Plus, having a home warranty can save you time by removing the need to research contractors--most companies will send a trusted professional right to your door to do the necessary repair or replacement.
There are also some downsides to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Homeownership is a big responsibility that can be costly, but fruitful. A home warranty is one thing that can help ease the costs of home maintenance, but its worth for you is something you'll have to determine before purchasing a policy.
A home warranty can save you a decent amount of money on home maintenance and give you peace of mind as a homeowner in Merriam. All of these top home warranty companies have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable premium. However, other options mentioned above are also great choices for Merriam residents.
The best overall home warranty provider in Merriam is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a contract that covers repairing and replacing your major home system components and appliances.
Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects the entire home from natural disasters and fires. It doesn't cover normal appliance or system repairs.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
A home warranty can cost on average anywhere from about $300 to $800 a year in Merriam. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.