A home warranty can offer you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances.
With the weather patterns common in Lake St Louis, 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.
Finding the best home warranty on the market can be quite difficult as there are lots of companies to decide between. That's why the House Method team did the research and put together a list of the best home warranty companies in Lake St Louis for you.
Now that you're ready to buy a home warranty, the first step is considering what items you want coverage for. After that, you can compare your options and contact different home warranty companies for a free quote. When considering which home warranty company 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 Lake St Louis, Choice Home Warranty offers the best overall home warranty. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. 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 easily comprehensible and offer a mix of both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
For more information on this provider, read our Choice Home Warranty full review. To receive a free quote from Choice Home Warranty, 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 Lake St Louis, Select Home Warranty is the most cost-effective home warranty. 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 are easy to comprehend and offer a mix of both system and appliance coverage.
The plans that Select offers to homeowners 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 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. For a more detailed breakdown, read our thorough review of Select Home Warranty.
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 Lake St Louis. AHS has 3 plans for homeowners to choose from. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Lake St Louis homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Lake St Louis area.
Read more by visiting our comprehensive review of American Home Shield. To get 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
The Home Service Club offers the best home warranty with the quickest service for Lake St Louis residents. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 offers 2 plans for Lake St Louis homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC 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 customizable and range from $65 to $90.
To read more, visit our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, 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 for Lake St Louis 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. Liberty has 3 plans for you to decide between.
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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
For a more detailed breakdown, read our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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
In Lake St Louis, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty provider with 38 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 2 plans from First American are easily comprehensible and offer a mix of both system and appliance coverage.
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 limits come out to about $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Lake St Louis. 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 3 plans from Cinch are easy to understand and offer both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To receive a free quote from Cinch Home Services, you can 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 Lake St Louis
A home warranty is a home protection plan that can bring down the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Lake St Louis home comfortable and convenient. When these things need repairs, it can be expensive and a nuisance. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
For Lake St Louis homeowners, when a problem happens with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal system where you can file a claim. Once you submit the claim, it will be assigned to a local repair technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. Appliances covered under a home warranty plan are usually the microwave, dryer, dishwasher, refrigerator, garbage disposal, and more. Systems that are covered usually include electrical systems, plumbing systems, air conditioners, heating systems, and water heaters. The add-on coverage options can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
Lake St Louis homeowners should be aware that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, cosmetic issues, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Lake St Louis can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a technician to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
There are also some negatives to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. In addition, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
It's not always easy 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 pros and cons of getting one but its main purpose is to offer you protection and peace of mind.
We hope you now feel confident that you can choose a home warranty provider in Lake St Louis after reading through our reviews. All of these top providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty offers home warranties with comprehensive coverage at an affordable cost.
Our pick for the best overall home warranty provider in Lake St Louis is Choice Home Warranty but the right company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dryers, dishwashers, refrigerators, washing machines, sump pumps, water heaters, electrical systems, heating and cooling systems, and plumbing, among others. Some plans also offer coverage for garage door openers, ceiling fans, pools, and roofs. A home warranty can help you save money if these items fail unexpectedly.
A home warranty plan helps protect against the normal wear of home systems and appliances. Homeowners insurance protects your entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster.
Usually coverage for a home warranty begins 30 days after the payment receipt. However, a few providers may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
Owning a home can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you will not have any large hits to your bank account just to keep your home up and running.
