When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership.
Homeownership in St Louis comes with many positives, but it also does not come without its challenges. Your home's appliances and systems will eventually need repair and this could mean a huge expense hitting your bank account suddenly.
Because the home warranty market has many providers — all with different coverage — our team at House Method decided to do the research for you to help you find the best home warranty in St Louis.
Selecting the right company for your home warranty is a step you could take to protect your home. When trying to figure out which home warranty company is the right fit for you, here are some important factors to keep 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 St Louis, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice 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 $85.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive 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
Select Home Warranty is the most cost-effective home warranty in St Louis. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to decide between.
Select Home Warranty offers 3 plans for St Louis homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. 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.
For more information on this provider, read our review of Select Home Warranty. 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 is the most customizable home warranty in St Louis. AHS is a home warranty company with 25 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. AHS has 3 simple plans, making the selection process easy.
American Home Shield offers 3 plans for St Louis homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. 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.
Read more by visiting our review of American Home Shield. To get a free quote from American Home Shield, you can 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 St Louis residents. HSC has been in the home warranty industry for over 14 years. 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. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our 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 in St Louis. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive 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
First American Home Warranty is the best home warranty for appliance coverage for St Louis residents. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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 has 2 simple plans, making the selection process easy.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. 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 read more, visit our First American Home Warranty full 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in St Louis. Cinch has 3 plans for homeowners to decide between. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
Read our full review of Cinch Home Services to learn more. 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 St Louis
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and guard your bank account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty policy.
When you have a problem 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 fixes the problem, 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 above the item's coverage cap.
A home warranty offers coverage on your home's major appliances and systems and it can help lower the cost of maintaining your home. The appliances usually covered under a home warranty plan are the refrigerator, dishwasher, oven, washing machine, microwave, dryer, and more. System coverage typically includes plumbing, electrical systems, heating systems, water heaters, air conditioning, and more. You can also opt to pay a bit extra for add-on coverage for items such as roof warranty, swimming pools, spas, and septic systems.
A St Louis home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a St Louis home warranty.
St Louis' mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
One drawback of getting a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't. Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable expense of home appliances and system repairs, giving you some peace of mind.
We hope you now feel positive that you can choose a home warranty in St Louis after reading our reviews. Choice Home Warranty is the best overall home warranty company in St Louis. It offers comprehensive coverage at an affordable premium. However, other companies reviewed above also give great coverage choices for St Louis residents.
The best home warranty provider in St Louis is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a tremendous reputation in the St Louis area.
A home warranty is a type of service contract that gives homeowners extra coverage for their household systems and appliances. These include garbage disposals, dishwashers, refrigerators, washing machines, dryers, electrical systems, plumbing, water heaters, sump pumps, and heating and cooling systems, among others. Some policies also offer coverage for garage door openers, roofs, ceiling fans, and pools. A home warranty can help you save money if these items break down unexpectedly.
A home warranty can help homebuyers, real estate agents, investors, home sellers, and homeowners. It can provide peace of mind to anyone involved in homeownership.
Most home warranties have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.
The service fee is the price you pay each time there is a problem with a home system or appliance. The service fees are usually priced between $60 and $150.