A home warranty can offer you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
Homeownership in Chesterfield can be a satisfying step for many people, but it also comes with its fair share of concerns. Updating your home's systems and appliances can be an unforeseen financial burden for many homeowners.
Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the perfect choice for your Chesterfield home. That's why we've done the research and have made a list of the best home warranty companies in Chesterfield.
The first step in protecting your home with a home warranty is determining which company's plan is right for you. Think about the items in your home you'd like coverage for and compare the policies. Before deciding which home warranty to buy, here are a few other factors to consider:
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 Chesterfield residents. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Chesterfield homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our detailed review of Choice Home Warranty.
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 Chesterfield. The 3 policies that Select has 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 provide a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 in Chesterfield. AHS is a home warranty company with 25 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 home warranty plans that AHS has include options for appliance and system 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
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 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 Chesterfield, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for around 14 years. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. 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 offers 2 plans for Chesterfield homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with HSC's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
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 is the most trustworthy home warranty in Chesterfield. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, 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's service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered appliance or system.
For a more detailed breakdown, read our full 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
First American Home Warranty offers the best home warranty for appliance coverage for Chesterfield residents. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. With a home warranty from First American, you can benefit from 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 Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our thorough review of First American Home Warranty 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 Chesterfield residents. 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. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered system or appliance.
Read more by visiting our Cinch Home Services Review. To get a free quote from Cinch Home Services, you can 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 Chesterfield
A home warranty is a home protection plan that can reduce the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Chesterfield home comfortable and convenient. When they start to break down, it can be pricey and a headache. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When you have a system or appliance that has an issue, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. At this point, you will also need to pay your service fee. Once the contractor takes a look at the problem, they will take care of it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty will cover systems and appliances from normal wear . Typical appliances covered by a home warranty include a refrigerator, dishwasher, microwave, garbage disposal, dryer, washer, and more. The systems that are most commonly covered will be plumbing systems, electrical systems, heating systems, air conditioners, and hot water heaters. Add-on options can vary by plan but typically include things like a second refrigerator, central vacuum, sprinkler system, septic system, and plumbing stoppages.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are excluded from the home warranty policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Chesterfield reaching upward of 65 degrees in the summer, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can considerably lower your out-of-pocket expenses should your HVAC system break down.
Another benefit of having a home warranty when you're selling your home is that you can probably transfer your home warranty to the new owners. This can make your house more attractive to potential home buyers and help your house sell faster.
Home warranties also have some downsides. Though it can save you time when the home warranty sends out a contractor who handles the repair for you, some may not like this, and they would prefer to choose their own contractor. If that's the case for you, some home warranty plans allow you to choose a contractor. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty can help ease some of a homeowner's maintenance troubles, but ultimately, it's up to you to decide if investing in one is the right move for you and your family. Be sure to do your research and read through any home warranty plans that you're seriously considering buying to get a handle on what repairs will and will not be covered under your contract.
Hopefully, this review of Chesterfield's top home warranty companies has helped you narrow down your choices and ultimately decide on a plan. Choice Home Warranty is the best overall home warranty provider in Chesterfield. Its comprehensive coverage, affordable pricing, and easy to understand plans make it a great home warranty for Chesterfield homeowners.
The best overall home warranty company in Chesterfield is Choice Home Warranty but the right 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 designed to give homeowners extra coverage for their household systems and appliances. These include garbage disposals, washing machines, dryers, refrigerators, dishwashers, sump pumps, water heaters, plumbing, electrical systems, and heating and cooling systems, among others. Some companies also provide coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty protects against the normal wear of home systems and appliances. A homeowners insurance plan protects the entire home in case of something like a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster.
Most home warranty plans have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.
Most home warranty plans are going to cover replacement costs as well as repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Many homeowners think a home warranty is worth the money since it can help protect against unexpected expenses. If you're worried about your finances and your ability to keep your home in good working order, a home warranty can help. One of the big positives of a home warranty is that it can provide you some financial peace of mind.
