A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
With the weather patterns common in Ladue, homes can experience quite a bit of wear and tear over time. There's nothing worse than having your air conditioning go out in the middle of a hot summer.
Since the home warranty market has a variety of providers — all with different coverage — the House Method team decided to do the research for you to help you find the best home warranty in Ladue.
Selecting the best home warranty in Ladue for your family comes down to the kind of coverage you want, the home warranty provider you opt for, and where you live, among other factors. When deciding which home warranty company is the right fit for you, here are some important factors to take into account:
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 Ladue. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for homeowners to choose from.
Choice Home Warranty offers 2 plans for Ladue homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
Read our review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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
In Ladue, Select Home Warranty is the most cost-effective home warranty. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Ladue homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many 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 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 offers the most customizable home warranty in Ladue. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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 has 3 plans that offer a combination of appliance and system coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit 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 Ladue, The Home Service Club offers the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy 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. HSC has 2 plans for homeowners to choose from.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. 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 Ladue area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our detailed 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 offers the most trustworthy home warranty for Ladue residents. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our thorough 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
First American Home Warranty is the best home warranty for appliance coverage for Ladue residents. First American has been in the home warranty industry for around 38 years. The 2 plans from First American are comprehensive and offer both system and appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
Read more by visiting our First American Home Warranty Review. To receive 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 Ladue, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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 has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, 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 Ladue
A home warranty is a service contract that makes it more affordable when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to stick to their budget and don't want to use their 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 an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue. At this point, you will also need to pay your service fee. Once the contractor takes a look at the issue, they will take care of it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty company. The appliances usually covered under a home warranty plan are the dishwasher, refrigerator, microwave, dryer, washing machine, oven, and more. System coverage typically includes plumbing, air conditioning, electrical systems, water heaters, heating systems, and more. The add-on coverage options can include spa, roof leak, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, pre-existing conditions, cosmetic damages, and misuse are not included in the home warranty policy.
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Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may have.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would rather select their own contractor. If that's the case for you, some home warranty providers let you select a contractor. Another possible pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your repair requests being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it comes down to your personal preference. Similar to any other kind of insurance policy or warranty, its purpose is to provide you a sense of protection, so you will have to decide how much that is worth to you.
A home warranty can save you thousands of dollars on home maintenance and give you peace of mind as a homeowner in Ladue. When it comes to home warranties in Ladue, the best overall is Choice Home Warranty. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Ladue homeowners.
The best overall home warranty in Ladue is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
Home warranty plans cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different insurance that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system damage.
Home buyers, landlords, homeowners, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty policy in Ladue. Everything from a fridge to a washer can be covered under a home warranty.
Many homeowners feel like a home warranty is worth the money since it helps protect against unexpected expenses. If you're worried about your finances and your ability to keep your home in good working order, getting a home warranty can help. One of the major pluses of a home warranty is that it can provide you some financial peace of mind.
