A Independence home warranty policy can help protect homeowners by reducing the costs of major repairs and replacements on your home's appliances and systems.
There are many benefits of owning a home in Independence. But, major home systems and appliances, like your HVAC and washer and dryer, can stop working due to normal wear and tear, leaving you with pricey repairs.
Finding the best home warranties on the market can be a challenge because of the numerous options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide to the best home warranty providers in Independence.
When you're ready to buy a home warranty plan, the first step is thinking about what appliances and systems you need coverage for. After that, you can compare your options and contact different home warranty companies to get a free quote. Policies can vary, so consider the following factors when choosing a home warranty company:
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 Independence. 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. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered system or appliance.
For a more detailed breakdown, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can 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
Select Home Warranty offers the most cost-effective home warranty in Independence. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our 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
American Home Shield offers the most customizable home warranty in Independence. AHS has been in business for more than 25 years, making it a well-regarded company in the industry. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Independence area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our comprehensive 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
In Independence, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for over 14 years. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans that HSC has include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full review.
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 Independence. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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
First American Home Warranty is the best home warranty for appliance coverage in Independence. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. First American offers very affordable and comprehensive appliance coverage. Plus, it also 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.
First American Home Warranty offers 2 plans for Independence homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500.
For more information, read our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Independence residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our 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 Independence
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having a home warranty 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 buying the home warranty policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local repair technician that will come to your home and fix the problem. 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 cost you will need to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty plan offers coverage on your home's major appliances and systems and it can help reduce the cost of maintaining your home. The appliances typically covered under a home warranty include garbage disposal, refrigerator, clothes washer, clothes dryer, microwave, dishwasher, and more. The systems usually included are air conditioners, hot water heaters, electrical systems, plumbing systems, and ductwork. The add-on coverages can include spa, pool, roof leak, septic system, and sometimes even things like locksmith or pest control.
A Independence home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, intentional breakages, and pre-existing conditions are not covered with a Independence home warranty.
Independence is known for its mild winters and hot summers, and if you live in Independence, you know that the weather can be unpredictable. During the summer months, your air conditioner can be strained in its effort to combat the heat. If your air conditioner did stop working, a home warranty can cover the repairs and help lower your out-of-pocket expenses.
Plus, having a Independence home warranty can make your house more appealing to potential home buyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you've been benefiting from.
There are also some drawbacks to getting a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won't cover systems or appliances that have need repairs or replacements due to natural disasters, improper maintenance, animal infestations, etc.
It can be difficult to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be benefits and drawbacks of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel as though you can select the right home warranty for your Independence home. Choice Home Warranty is the best overall home warranty provider in Independence. Choice Home Warranty provides great coverage at an affordable cost.
The best home warranty provider in Independence is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a great reputation in the Independence area.
A home warranty plan helps protect against the normal wear and tear of systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is a result of a natural disaster.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
A home warranty covers 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.
A home warranty in Independence can cost anywhere from $40 to $80 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and more coverage.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your savings account .
