A home warranty can give you the peace of mind you need about your home and protect your bank account from large expenses by covering your home's major systems and appliances.
Kirksville gives homeowners some great living options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite costly.
Choosing the best home warranties on the market can be a challenge because of the numerous options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the best home warranty providers in Kirksville.
The first step in protecting your real estate investment with a home warranty is determining which company's plan is the best for you. Consider the items in your home you'd like coverage for and compare the policies. Below is a list of factors that you'll want to bear in mind 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 Kirksville. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it 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 comprehend and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
To receive 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 Choice Home Warranty full review.
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 is the most cost-effective home warranty in Kirksville. The 3 policies that Select offers include options for appliance and system coverage. 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 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, 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
In Kirksville, American Home Shield is the most customizable home warranty. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS has include options for appliance and system coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
For a more detailed breakdown, read our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
The Home Service Club is the best home warranty with the quickest service in Kirksville. HSC has more than 14 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 home warranty plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 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 in Kirksville. Liberty has 3 plans for homeowners to decide between. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also 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 has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. To get 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 in Kirksville. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. 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 Kirksville homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, 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 Kirksville, 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 understandable. With a home warranty from Cinch, you can benefit from 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.
Cinch Home Services offers 3 plans for Kirksville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000.
Read our full review of Cinch Home Services to learn more. 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 Kirksville
A home warranty is a protection plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time you can start using it.
Filing a claim with your home warranty company is quite straightforward. There will be either an online portal or a direct phone number to file your claim with your home warranty company. At this point, you will also have to pay your service fee. Once the repair person looks at the problem, they will handle 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 above the item's coverage cap.
A home warranty in Kirksville typically covers the main systems and appliances in your house. The appliances commonly covered under a home warranty plan are the dryer, oven, dishwasher, microwave, refrigerator, washing machine, and more. System coverage typically includes plumbing, air conditioning, electrical systems, water heaters, heating systems, and more. You can also optionally opt to pay extra for add-on coverage for items like swimming pools, roof warranty, septic systems, and spas.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
Temperatures in Kirksville can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Kirksville, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
Additionally, having a Kirksville home warranty can help make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
There are also some downsides to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty. Another pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can aid with some of a homeowner's maintenance concerns, but in the end, it's up to you to decide whether or not investing in one is a good move for you and your family. Make sure you do your research and read through any home warranty policy that you're considering buying to understand what repairs will and will not be covered under your contract.
A home warranty can save you thousands of dollars on home repairs and give you peace of mind as a homeowner in Kirksville. All of these top choices have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great 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 provider in Kirksville is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need coverage for.
Home warranty policies cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a larger plan that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
A home warranty plan can help investors, homebuyers, home sellers, homeowners, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty will cover 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.
Home warranties will cover the cost of repairs and replacements as long as 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 Kirksville home warranty can cost between $40 and $80 a month. Higher-priced plans typically have a lower service fee, more coverage, and higher coverage limits.
