A home warranty can bring you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.
With hot summers and cool winters, keeping your home appliances and systems working, specifically HVAC, are very important for homeowners in the Polk area of Missouri.
Finding the best home warranty plan for your Polk home can be time-consuming, so our team at House Method did the research for you to help you find the top home warranty in Polk. Keep reading for our home warranty recommendations and learn which plan works best for your home.
Deciding on the right home warranty in Polk for you depends on the coverage you're looking for, the home warranty provider you go with, and where you live, among other factors. When deciding which home warranty company is the best one 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 Polk. Choice has been in the home warranty industry for over 14 years. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders with various options for appliance and system 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 generally about $3,000 at the maximum.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty 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 Polk. The home warranty company offers 3 plans to policyholders that have various 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.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $60.
Read our 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 in Polk. When you purchase a policy 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. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield offers 3 plans for Polk homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full 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 Polk, The Home Service Club is 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 simple plans, making the selection process quick and easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our detailed review of The Home Service Club. To receive 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 for Polk 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. The 3 plans from Liberty are easy to comprehend and have 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 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 $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our comprehensive 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 Polk, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty company with 38 years of experience in the industry, and it has established itself as one of the best providers in the business. First American has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a home warranty 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 Polk residents. Cinch has 3 simple plans, making the selection process quick and easy. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you'll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Polk 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 around $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our detailed review of Cinch Home Services.
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 Polk
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 one in place can give you some peace of mind and prevent you from paying big out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty.
When you have a problem with one of your appliances or systems, you can file a claim with your home warranty provider. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue. Once you submit the claim, it will be assigned to a local repair person 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 fee you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For example, if your refrigerator suddenly stops working under normal use conditions, your home warranty provider can help. Appliances covered under a home warranty plan are typically the microwave, refrigerator, dryer, garbage disposal, dishwasher, and more. Systems that are covered usually include heating systems, water heaters, electrical systems, air conditioners, and plumbing systems. Many plans also provide add-on coverage options like locksmith, septic systems, central vacuum, and even roof leaks.
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 pre-existing conditions, cosmetic damages, lack of maintenance, and misuse are excluded from the home warranty policy.
Temperatures in Polk 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 Polk, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may have.
One main drawback of a home warranty is not every home system and appliance may be covered. It's important to research the different policies and purchase one that covers all the appliances, systems, and add-ons you need. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty can be the solution to some of a homeowner's maintenance troubles, but ultimately, it's up to you to determine if investing in one is a good choice for you and your family. Make sure you do your research and read over any home warranty contracts that you're seriously considering purchasing to get a handle on what repairs will and will not be covered under your contract.
Hopefully, this review of Polk's best home warranty options has helped you narrow down your choices and find the right plan for you. When it comes to home warranty providers in Polk, the best overall is Choice Home Warranty. It offers comprehensive coverage at an affordable monthly cost. However, other companies reviewed above are also great choices for Polk residents.
The best home warranty provider in Polk is Choice Home Warranty. Choice Home Warranty has a large network of experienced technicians and a tremendous reputation in the Polk area.
A home warranty policy can help real estate agents, homeowners, homebuyers, investors, and home sellers. It can offer peace of mind and savings to anyone that is involved with homeownership.
Most home warranty policies have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
The systems and appliances in a home are covered under a home warranty policy in Polk. Everything from a fridge to a swimming pool can be covered under a home warranty.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Polk. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best value is.