A home warranty in Ferguson can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
With hot summers and cool winters, maintaining your home appliances and systems, specifically HVAC, are extremely important for homeowners in the Ferguson area of Missouri.
Finding the best home warranty on the market can be quite challenging because there are dozens of companies to decide between. That's why our team at House Method did the research and put together a list of the best home warranty companies in Ferguson for you.
Selecting the best provider for your home warranty is the first step toward protecting your property. When deciding which home warranty provider is the best one for you, here are some important factors to bear in mind:
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 Ferguson, Choice Home Warranty offers the best overall home warranty. When you buy 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. The 2 plans from Choice are easy to understand and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information, read our 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
In Ferguson, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our full 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 is the most customizable home warranty for Ferguson residents. AHS has 3 plans for you to decide between. 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 limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Ferguson area.
Read more by visiting our full review of American Home Shield. To get a free quote from American Home Shield, you can 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
In Ferguson, The Home Service Club is the best home warranty with the quickest service. 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. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
For a more detailed breakdown, read our thorough review of The Home Service Club. 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 is the most trustworthy home warranty for Ferguson 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 home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
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 many major systems and appliances, and service fees are an affordable $75.
For more information, read our comprehensive review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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 for Ferguson residents. First American has been in the home warranty industry for around 38 years. The 2 plans from First American are comprehensive and have a mix of both system and appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 Ferguson homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Ferguson area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 Ferguson, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of system and appliance 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 receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our Cinch Home Services Review to learn more.
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 Ferguson
A home warranty is a service contract that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time they start.
When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will reach out to you about a repair technician coming over to look at the issue. At this point, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum amount per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover home systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are typically the dishwasher, garbage disposal, dryer, refrigerator, microwave, and more. Systems that are covered usually include electrical systems, heating systems, air conditioners, plumbing systems, and water heaters. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like electronics, spas, pools, roof leaks, sump pumps, and central vacuums.
A Ferguson home warranty will only cover repairs and replacements due to 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, pre-existing conditions, intentional breakages, and natural disasters are not covered with a Ferguson home warranty.
Ferguson's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may experience.
One major drawback of home warranties is not everything you care about may be covered. It's important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need. Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted most likely won't be covered by the home warranty.
Owning a home is a big responsibility that can be expensive, but fruitful. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to weigh before taking the leap and purchasing a policy.
A home warranty can save you thousands of dollars on home maintenance and give you peace of mind as a homeowner in Ferguson. When it comes to home warranty providers in Ferguson, the best overall is Choice Home Warranty. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Ferguson homeowners.
The best home warranty company in Ferguson is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a respected reputation in the Ferguson area.
A home warranty is a type of service contract that covers the repairs and replacements of your major home systems and appliances.
Home buyers, real estate agents, landlords, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may let you file sooner so be sure to check with the company about this.
Homeownership can be pricey. 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 policy, you will not have any large hits to your bank account just to keep your home up and running.
