A home warranty in St Peters can help decrease 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.
Although homeownership in St Peters has a great number of advantages, such as life in a vibrant city, there are also downsides, similar to owning a house anywhere else. One major issue many homeowners have to deal with eventually is updating or repairing their appliances and home systems.
Although a home warranty can help with your homeowner headaches, one issue is narrowing down the right choice for your St Peters home. That's why we've done the research and have made a guide of the top home warranty plans in St Peters.
Choosing the right company for your home warranty is the first step toward protecting your home. Below is a list of factors that you'll want to keep in mind when picking 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
Choice Home Warranty is the best overall home warranty in St Peters. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. 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.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the St Peters area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
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 Peters residents. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, 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 both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the St Peters area.
To read more, visit our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can 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 Peters. AHS is a home warranty provider with 25 years of experience in the industry, and it has become one of the best providers in the business. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for St Peters homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
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 give them a call at 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 Peters residents. HSC has been in business for about 14 years, making it a respected company in the industry. The 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage. 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, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club 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 in St Peters. With a home warranty from Liberty, you can enjoy 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 has 3 simple plans, making the selection process easy.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our thorough review of Liberty Home Guard to learn more.
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 Peters, First American Home Warranty offers the best home warranty for appliance coverage. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, 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. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
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 First American Home Warranty 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 Peters residents. 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. Cinch has 3 simple plans, making the selection process easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our full 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 St Peters
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 provide some peace of mind and protect your savings account from big out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty.
For St Peters 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 where you can file a claim. The claim is then processed, and a homeowner will pay the service fee to schedule the repair for their home. This repair will usually happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
Home warranty plans help protect your home systems and appliances. A home warranty can cover repair and replacement-related costs that are due to normal wear . The appliances commonly covered under a home warranty plan are the microwave, dishwasher, refrigerator, washing machine, dryer, oven, and more. System coverage typically includes air conditioning, heating systems, plumbing, water heaters, electrical systems, and more. The add-on coverages can include spa, pool, roof leak, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, pre-existing conditions, and misuse are excluded from the home warranty policy.
Home warranty plans are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in St Peters reaching upward of 65 degrees in the summer, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably bring down your out-of-pocket costs should your HVAC system stop working.
A home warranty can also give value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
Home warranties also have some downsides. While it can be convenient that the home warranty sends out a service technician who handles the repair for you, some may not like this, and they would prefer to choose a contractor themselves. If that's important to you, some home warranty plans allow you to choose a contractor. Another pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can help ease some of a homeowner's maintenance troubles, but in the end, it's up to you to determine if investing in one is the right choice for you and your family. Be sure to do your research and read over any home warranty plans that you're considering buying to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can choose the proper home warranty for your St Peters home. The best provider in St Peters is Choice Home Warranty. It offers comprehensive coverage at an affordable cost. However, other companies mentioned above are also great choices for St Peters residents.
Our pick for the best overall home warranty in St Peters is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty plan can help home sellers, homeowners, homebuyers, real estate agents, and investors. It can provide peace of mind and savings to anyone that is involved with homeownership.
The systems and appliances in a home are covered under a home warranty in St Peters. Everything from a fridge to a swimming pool can be covered under a home warranty.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
The service fee is the price you pay each time there is an issue with a home system or appliance. The service fees are commonly between $60 and $150.
