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.
Homeownership in Ofallon has lots of benefits, but it also does not come without worry and concern. Your home's appliances and systems will inevitably need repair and this could mean a huge expense hitting your bank account suddenly.
Finding the best home warranties on the market can be quite a challenge because of the many options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty companies in Ofallon.
After researching home warranties in Ofallon, the next step is to determine which company you're interested in receiving a free quote from. Here is a list of factors that you'll want to consider when choosing 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
In Ofallon, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. 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 Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Ofallon area.
To read more, visit our comprehensive review of Choice Home Warranty. To receive 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 is the most cost-effective home warranty in Ofallon. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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 understand and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000 at the maximum.
Read our thorough review of Select Home Warranty to learn more. 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 for Ofallon residents. AHS has around 25 years of industry experience and in that time has built a impressive network of service professionals in the country. The 3 policies that AHS has include options for appliance and system coverage. When you buy a plan 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many major systems and appliances, and 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 our American Home Shield full review to learn more.
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 Ofallon, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for over 14 years. 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, you'll want to have this plan on your side. 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 policies that HSC has include options for appliance and system coverage.
The Home Service Club offers 2 plans for Ofallon homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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
In Ofallon, Liberty Home Guard is the most trustworthy home warranty. 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. Liberty offers 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. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Ofallon area.
To read more, visit our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, 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 Ofallon, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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 homeowners to choose from.
First American Home Warranty offers 2 plans for Ofallon homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with First American's plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our First American Home Warranty Review to learn more.
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 Ofallon residents. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
The 3 plans from Cinch Home Services 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 cheaper than other providers in the Ofallon area.
For more information on this provider, read our review of Cinch Home Services. To get 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 Ofallon
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty plan.
Filing a claim with your home warranty company is quite straightforward. You can utilize either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you select. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs .
A home warranty provides coverage on your home's major appliances and systems and it can help lower the cost of maintenance on your home. The appliances typically covered under a home warranty plan are the oven, refrigerator, dryer, dishwasher, washing machine, microwave, and more. System coverage typically includes heating systems, electrical systems, plumbing, air conditioning, water heaters, and more. Add-on coverage options can vary by provider but often include things like a sprinkler system, plumbing stoppages, septic system, central vacuum, and second refrigerator.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as misuse, pre-existing conditions, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
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Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your property more attractive to potential home buyers and maybe even make your home sell faster.
As for the drawbacks of home warranties, coverage varies by company so it's important to understand what each policy covers and excludes in the contract. Another possible pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
It's not always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be benefits and drawbacks of purchasing one but its main purpose is to provide protection and peace of mind.
A home warranty in Ofallon 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 Ofallon. With its comprehensive plans, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.
The top home warranty company in Ofallon is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a great reputation in the Ofallon area.
A home warranty plan protects against the normal wear and tear of home systems and appliances. A homeowners insurance plan protects your entire home in a situation like a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or oven, unless the damage is due to a natural disaster.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.
A home warranty policy 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.
Home warranties 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 home warranty plan can cost on average anywhere from around $300 to $800 a year in Ofallon. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
