When one of your systems or appliances breaks down, a home warranty will 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.
There are many perks of homeownership in Ballwin. However, major home systems and appliances, like your plumbing and kitchen appliances, can break down due to normal wear and tear, leaving you with expensive repairs.
Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Ballwin home. That's why we've done the research and have put together a guide of the top home warranty companies in Ballwin.
When you're ready to buy a home warranty, the first step is figuring out what appliances and systems you need coverage for. After that, you can compare plans and contact different home warranty providers to get a free quote. Below is a list of factors that you'll want to keep in mind when choosing 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 Ballwin. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to decide between.
Choice Home Warranty offers 2 plans for Ballwin homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting 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 Ballwin. The 3 home warranty plans that Select offers include options for appliance and system coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also 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 combination of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Ballwin area.
To read more, visit our full review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 Ballwin residents. AHS is a home warranty company with 25 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are 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 lower than other providers in the Ballwin area.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our detailed 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 offers the best home warranty with the quickest service in Ballwin. HSC has been operating for over 14 years, making it a well-respected company in the industry. HSC offers 2 plans for homeowners to choose from. 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, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Ballwin area.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 Ballwin 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. Liberty offers 3 plans for homeowners to choose from.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. 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
In Ballwin, First American Home Warranty is the best home warranty for appliance coverage. 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. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage.
First American Home Warranty has 2 plans that provide a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our First American Home Warranty full review.
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 Ballwin residents. The 3 home warranty plans that Cinch has include differing levels of system and appliance coverage, as well as add-on options. 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.
There are 3 home warranty plans from Cinch Home Services: 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 less than other providers in the Ballwin area.
To read more, visit 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 Ballwin
A home warranty is a plan that can bring down the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Ballwin home comfortable and convenient. When these things start to break down, it can be costly and a nuisance. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When you have a system or appliance that experiences an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.
A home warranty in Ballwin usually covers the main systems and appliances in your home. The appliances covered are a refrigerator, stove, cooktop, clothes dryer, clothes washer, dishwasher, microwave, and more. The systems included are the heating system, plumbing, water heater, electrical, air conditioner, and more. Many home warranty plans also provide add-on coverage options like roof leaks, central vacuum, locksmith, and even septic systems.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Things such as pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from a home warranty policy.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Ballwin hitting upward of 65 degrees in the summer, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly decrease your out-of-pocket costs should your HVAC system stop working.
Plus, having a Ballwin home warranty can help make your house more appealing to potential home buyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.
One drawback of signing up for a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't. Plus, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it depends on your personal situation. Like any other type of insurance policy or warranty, it's there to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel as though you can choose the proper home warranty for your Ballwin home. Choice Home Warranty is the best overall home warranty company in Ballwin. Choice Home Warranty provides home warranties with comprehensive coverage at an affordable price.
Our pick for the best overall home warranty company in Ballwin is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include dryers, refrigerators, garbage disposals, dishwashers, washing machines, heating and cooling systems, plumbing, electrical systems, sump pumps, and water heaters, among others. Some policies also provide coverage for ceiling fans, garage door openers, roofs, and pools. A home warranty can help you save money if these appliances and systems fail unexpectedly.
First-time home buyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty plan in Ballwin. Everything from a stove to a garage door can be covered under a home warranty.
A service fee is a cost that a homeowner must pay before a service technician or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty in place apart from the policy's premium.
Homeownership can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty in place, you won't have any large hits to your bank account just to keep your home up and running.