When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less anxious about homeownership.
Independence gives homeowners some great living options. However, sudden repair and replacement costs on your home's systems and appliances can get quite pricey.
Even though a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the right choice for your Independence home. That's why we've done the research and have made a guide of the top home warranty plans in Independence.
The first step in protecting your home with a home warranty is determining which company's plan is the best for you. Figure out which items in your home you need coverage for and compare the policies. Here is a list of factors that you'll want to take into account 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 offers the best overall home warranty in Independence. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from 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. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our review of Choice Home Warranty. To get 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
Select Home Warranty offers the most cost-effective home warranty in Independence. The 3 plans from Select are easy to understand and offer a mix of both system and appliance 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.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty Review. 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 offers the most customizable home warranty in Independence. AHS has been on the market for over 25 years, making it a well-respected company in the industry. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
American Home Shield offers 3 plans for Independence homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 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 $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting 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
The Home Service Club offers the best home warranty with the quickest service in Independence. HSC is a home warranty company with 14 years of experience in the industry, and it has become one of the best providers in the business. HSC has 2 plans for you to choose from. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Independence area.
Read more by visiting our comprehensive 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 Independence residents. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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. Liberty's service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
Read our Liberty Home Guard Review to learn more. 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 Independence, First American Home Warranty offers the best home warranty for appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, 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 plans for you to choose from.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500 at the maximum.
For a more detailed breakdown, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, you can 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 Independence, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Independence area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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 home protection plan that can lower the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Independence home comfortable and convenient. When these things start to break down, it can be costly and a headache. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have a system or appliance that experiences a problem, you file a claim with your service provider. You can do so online or by telephone, and then a repair technician will come and fix the problem. At this point, you will pay your service fee, which is typically between $60 and $150 depending on what plan you choose. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered under the warranty and the coverage cap is not reached, 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 that have broken down from normal wear and tear. For instance, if your washing machine suddenly needs repairs under normal use conditions, you can call your home warranty provider. The appliances that are typically covered under a home warranty plan include refrigerator, clothes washer, clothes dryer, dishwasher, microwave, garbage disposal, and more. The systems usually included are plumbing systems, air conditioners, hot water heaters, electrical systems, and ductwork. You can also decide to pay a bit extra for add-on coverage for items such as septic systems, roof warranty, swimming pools, and spas.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are not included in the home warranty policy.
In addition, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential home buyers and help your home sell faster.
As for the disadvantages of home warranties, home system and appliance coverage varies by provider so it's important to understand what each plan covers and doesn't include in the contract. Another thing to take into consideration is that some providers don't cover pre-existing problems and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you aren't sure or if this is a problem for you.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. As with any sort of warranty or insurance policy, there will always be benefits and drawbacks of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel as though you can select the proper home warranty for your Independence home. Choice Home Warranty stands out as the best overall home warranty. It offers comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
Our pick for the best overall home warranty in Independence is Choice Home Warranty but the perfect company for you will depend on factors such as 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 refrigerators, washing machines, garbage disposals, dishwashers, dryers, plumbing, heating and cooling systems, sump pumps, electrical systems, and water heaters, among others. Some companies also provide coverage for ceiling fans, roofs, garage door openers, and pools. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty policy can help homebuyers, real estate agents, homeowners, home sellers, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty plan covers, you will have to pay the rest out of pocket.
A home warranty in Independence can cost anywhere from $40 to $80 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and more coverage.