A home warranty can bring you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances.
There are many perks of homeownership in Jefferson City. But, major home systems and appliances, like your electrical systems and refrigerator, can malfunction due to normal wear and tear, leaving you with expensive repairs.
Since the home warranty market has many providers — all with different offerings — our team at House Method did the research for you to help you find the best home warranty in Jefferson City.
Now that you're ready to sign up for a home warranty, the first step is figuring out what items you want coverage for. After that, you can compare plans and contact different home warranty companies to get a free quote. Before making your final decision, here are a few other factors to keep 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
Choice Home Warranty offers the best overall home warranty for Jefferson City residents. 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 offers 2 plans for you to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, 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 Jefferson City, 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. Select has 3 simple plans, making the selection process and policy coverage easily understandable.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Jefferson City area.
For more information on this provider, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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 Jefferson City residents. AHS has been in business for more than 25 years, making it a well-respected company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. 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.
For more information, read our review of American Home Shield. To receive a free quote from American Home Shield, 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 Jefferson City, The Home Service Club is the best home warranty with the quickest service. HSC has over 14 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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, which have various system and appliance coverage options.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our The Home Service Club full review.
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 in Jefferson City. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage.
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 limits come out to about $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our review of Liberty Home Guard.
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 Jefferson City, First American Home Warranty is the best home warranty for appliance coverage. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 home warranty plans that First American has include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Jefferson City residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services 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 Jefferson City
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences a problem. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When you have 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 reach out to 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 service technician that will come to your home and take a look at the issue. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket cost you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances from normal wear . The appliances typically covered under a home warranty plan are the dryer, dishwasher, washing machine, refrigerator, microwave, oven, and more. System coverage typically includes water heaters, plumbing, electrical systems, air conditioning, heating systems, and more. The add-on coverage options can include roof leak, spa, septic system, pool, and sometimes even things like locksmith or pest control.
Jefferson City homeowners should understand that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, misuse of a system or appliance, or natural disasters. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Temperatures in Jefferson City can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Jefferson City, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
A home warranty can also give value in other ways. For instance, some plans can be transferred between owners when you sell your home.
Home warranties also have some drawbacks. Although it can be convenient that the home warranty sends out a service technician who carries out the repair for you, some people may not like this, and they may want to choose their own contractor. If that's important to you, some home warranty companies let you choose a contractor. Another downside is that home warranties may not include some repairs, like those that are needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were affected most likely won't be covered by the home warranty.
It can be challenging to budget for the unexpected expenses that can come with owning a home, 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 offer you protection and peace of mind.
A home warranty in Jefferson City can save you lots of money and give you peace of mind when it comes to expensive home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Jefferson City. With its comprehensive coverage, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Jefferson City is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a great reputation in the Jefferson City area.
Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system breakage.
First-time home buyers, real estate agents, homeowners, landlords, and home sellers 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.
A home warranty covers repair and replacement costs for home systems and appliances. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.
The service fee is the price homeowner pay each time there's a problem with a system or appliance. The service fees are commonly between $60 and $150.
A home warranty in Jefferson City can cost anywhere from $40 to $80 a month. Higher-priced plans tend to have higher coverage limits, more coverage, and a lower service fee.