A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
Affton is a great place to buy a home. However, along with all the positives of homeownership, there are typically a few negatives, too. One of the biggest challenges for many homeowners is that systems and appliances can stop working suddenly.
Finding the best home warranties on the market can be difficult because of the numerous options out there. If you are tired of trying to compare the different options, keep reading for our guide on the best home warranty providers in Affton.
Now that you're ready to get a home warranty plan, the first step is thinking about what appliances and systems you need coverage for. From there, you can compare your options and call different home warranty providers for a free quote. Options can vary, so take into consideration the following factors 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
In Affton, Choice Home Warranty offers the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process and policy coverage easily understandable.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Affton area.
Read more by visiting our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Affton, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full 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
In Affton, American Home Shield is the most customizable home warranty. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
American Home Shield offers 3 plans for Affton homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Affton area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Affton 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. HSC offers 2 plans for homeowners to decide between.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
Read our review of The Home Service Club to learn more. To get 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 offers the most trustworthy home warranty for Affton residents. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
For a more detailed breakdown, read our review of Liberty Home Guard. 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 is the best home warranty for appliance coverage in Affton. First American has been on the market for around 38 years, making it a respected company in the industry. 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. First American has 2 simple plans, making the selection process and policy coverage easily understandable.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
For a more detailed breakdown, 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 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 Affton, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you purchase a plan 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 home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For more information, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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 Affton
A home warranty is a coverage plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a 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 generally have a thirty-day waiting period from the time you pay to the time you can start using it.
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 contact you about a repair technician coming over to take a look at the issue. Once you submit the claim, it will be assigned to a local technician that will come to your home and assess the problem. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty in Affton usually covers the main systems and appliances in the home. Typical appliances covered by a home warranty include a dryer, microwave, dishwasher, refrigerator, garbage disposal, washer, and more. The systems that are most commonly covered will be hot water heaters, electrical systems, heating systems, plumbing systems, and air conditioners. Add-on coverage options can vary from one plan to another but commonly include things like a sprinkler system, septic system, second refrigerator, central vacuum, and plumbing stoppages.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in the home warranty policy.
Affton is known for its mild winters and hot summers, and if you live in Affton, 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 decrease your out-of-pocket expenses.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
Home warranties also have some downsides. Though it can give you less to worry about since the home warranty sends out a service technician who handles the repair for you, some homeowners may not like this, and they would prefer to choose their own contractor. If that's important to you, some home warranty providers let you choose a contractor. 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 been damaged due to improper maintenance, natural disasters, animal infestations, etc.
It can be difficult to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to provide protection and peace of mind.
A home warranty in Affton can save you a lot of money and give you peace of mind when it comes to costly home repairs and replacements. The best provider in Affton is Choice Home Warranty. Choice Home Warranty provides great coverage at an affordable cost.
The best overall home warranty in Affton is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, dishwashers, garbage disposals, dryers, washing machines, water heaters, plumbing, heating and cooling systems, electrical systems, and sump pumps, among others. Some companies also offer coverage for roofs, garage door openers, pools, and ceiling fans. A home warranty can help you save money if these items fail unexpectedly.
Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
Most home warranties cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty in Affton can cost between $40 and $80 a month. Higher-priced plans typically have higher coverage limits, more coverage, and a lower service fee.
