A home warranty in St Charles can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Homeownership in St Charles comes with lots of perks, but it also does not come without worry and concern. Your home's appliances and systems will eventually need repair and this could mean a huge expense hitting your bank account suddenly.
Finding the best home protection plan for your St Charles home can be challenging, so our team at House Method did the research for you to help you find the best home warranty in St Charles. Read on for our home warranty recommendations and learn which plan works best for your home.
Picking the best home warranty in St Charles for you comes down to the type of coverage you want, the home warranty company you opt for, and your location, among other factors. Plans can vary, so take into consideration the following factors when choosing a home warranty plan:
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 St Charles, Choice Home Warranty is the best overall home warranty. The 2 home warranty plans that Choice has include differing levels of system and appliance coverage, as well as add-on options. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the St Charles area.
Read more by visiting our 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 offers the most cost-effective home warranty for St Charles residents. When you buy a plan 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 that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the St Charles area.
To read more, visit our Select Home Warranty full 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 St Charles. AHS has been in business for over 25 years, making it a respected company in the industry. 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. The 3 plans that AHS has include options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. 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 provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield Review.
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 St Charles, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 14 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the St Charles 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. Read our The Home Service Club full review to learn more.
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 is the most trustworthy home warranty for St Charles residents. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage.
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 make sure to check with the company. Service fees are an affordable $75.
Read more by visiting our review of Liberty Home Guard. To receive 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
In St Charles, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and easy. 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.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the St Charles area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information on this provider, read our First American Home Warranty full review.
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 is the home warranty with the best workmanship guarantee for St Charles 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. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the St Charles area.
Read more by visiting our full review of Cinch Home Services. 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 St Charles
A home warranty is a home protection plan that can decrease the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a St Charles home comfortable and convenient. When they need repairs or replacements, it can be costly and a nuisance. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
For St Charles homeowners, when a problem arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be filed. After that, you will pay the service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum amount per appliance that the home warranty plan will cover for repairs and replacements.
A home warranty will cover your home's systems and appliances from normal wear and tear. Typical appliances covered by a home warranty plan include a washer, microwave, dishwasher, dryer, garbage disposal, refrigerator, and more. The systems that are most commonly covered will be hot water heaters, air conditioners, heating systems, electrical systems, and plumbing systems. 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 pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are not included in the home warranty policy.
Temperatures in St Charles can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in St Charles, 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.
A home warranty can also have value in other ways. For example, some plans can be transferred to another owner when you sell your home.
There are also some downsides to getting a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty. 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.
Owning a home is a big responsibility that can be costly, but valuable. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to determine before getting a policy.
Hopefully, you now feel like you can choose the best home warranty for your St Charles home. Choice Home Warranty stands out as the best overall provider. With its comprehensive coverage, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty provider in St Charles is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers the repairs and replacements of your major home systems and appliances.
Home warranties cover problems related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system repairs.
A home warranty policy can help homeowners, real estate agents, investors, home sellers, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The service fee is the price homeowner pay each time there's an issue with a system or appliance. The service fees are commonly priced between $60 and $150.
Many homeowners feel like a home warranty is worth the money since it helps protect against unforeseen 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 offer you some financial peace of mind.