When one of your systems or appliances breaks down, a home warranty will step in and help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
Independence gives homeowners some beautiful housing options. However, unexpected repair and replacement costs on your home's systems and appliances can get quite costly.
Since the home warranty market is saturated with many providers — all with different coverage — the House Method team did the research for you to help you find the best home warranty in Independence.
Once you're ready to purchase a home warranty, the first step is deciding what items you need coverage for. After that, you can compare plans and contact different home warranty companies to get a free quote. Here 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
Choice Home Warranty is the best overall home warranty for Independence residents. The 2 home warranty plans that Choice has include options for appliance and system coverage. 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 Home Warranty offers 2 plans for Independence homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000.
For more information on this provider, read our review of Choice Home Warranty. To get 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 for Independence residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system 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. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our review of Select Home Warranty to learn more.
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 over 25 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Independence area.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 Independence residents. HSC has been in the home warranty business for about 14 years. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Independence area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our detailed review of The Home Service Club to learn more.
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
In Independence, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
For more information on this provider, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 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 offers the best home warranty for appliance coverage for Independence residents. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 offers 2 plans for homeowners to decide between.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Independence area.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our First American Home Warranty full review to learn more.
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 offers the home warranty with the best workmanship guarantee for Independence residents. 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. The 3 home warranty plans that Cinch offers include options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Independence area.
For a more detailed breakdown, read our review of Cinch Home Services. 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 Independence
A home warranty is a service contract that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make it easier to budget and manage your finances. Home warranty plans usually have a thirty-day waiting period from the time you pay to the time you can file your first claim.
When you notice a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the issue. At this point, you will pay a service fee, which is typically between $60 and $150 depending on what plan you opt for. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are the garbage disposal, refrigerator, dryer, microwave, dishwasher, and more. Systems that are covered usually include water heaters, electrical systems, air conditioners, heating systems, and plumbing systems. Many plans also offer add-on coverage options like central vacuum, roof leaks, septic systems, and even locksmith.
An important thing to note is that home warranties only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, pre-existing conditions, and misuse are not included in the home warranty policy.
Temperatures in Independence 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 Independence, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Plus, having a Independence home warranty can make your house more appealing to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been benefiting from.
One drawback of a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won't cover systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
Owning a home is a big responsibility that can be costly, but rewarding. A home warranty is one thing that can help ease the costs of home maintenance, but whether or not it's worth it for you is something you'll have to determine before taking the leap and getting a policy.
A home warranty can save you thousands of dollars on home maintenance and offer you peace of mind as a homeowner. When it comes to home warranties in Independence, the best overall is Choice Home Warranty. Choice Home Warranty provides great coverage at an affordable cost.
The top home warranty provider in Independence is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a tremendous reputation in the Independence area.
A home warranty is a service contract that covers repairing and replacing major home system components and appliances.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty policy will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Home warranties cover the cost of repairs and replacements as long as it is within the coverage limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
Many homeowners think a home warranty is worth the money since it helps protect against unexpected expenses. If you're worried about your finances and home maintenance, having a home warranty can help. One of the big advantages of a home warranty is that it can offer you some financial peace of mind.
