A home warranty can bring you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
St Peters gives homeowners some beautiful housing options. However, unplanned repair and replacement costs on your home's systems and appliances can get quite expensive.
Choosing the best home warranties on the market can be difficult because of the sheer number of options out there. If you are frustrated with trying to compare the different options, keep reading for our guide on the top home warranty providers in St Peters.
Deciding on the right home warranty in St Peters for you depends on the type of coverage you want, the home warranty company you opt for, and where you live, among other factors. Policies can vary, so consider the following factors 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
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 money savings plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. Home warranty plans usually have a thirty-day waiting period from the time you purchase to the time they start.
When you have a system or appliance that experiences an issue, you file a claim with your home warranty provider. You can do so in an online portal or by calling them, and then a technician will come and fix the problem. After that, you will pay your service fee. Service fees for home warranty customers range from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum cost per appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty company. Appliances covered under a home warranty plan are typically the microwave, dishwasher, garbage disposal, refrigerator, dryer, and more. Systems that are covered usually include heating systems, air conditioners, water heaters, plumbing systems, and electrical systems. Many plans also offer add-on coverage options like roof leaks, septic systems, central vacuum, and even locksmith.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, the home warranty will not cover it. Things such as misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are excluded from a home warranty policy.
Temperatures in St Peters can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in St Peters, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Additionally, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential home buyers and maybe even make your home sell faster.
There are also some drawbacks to getting a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another pain point of home warranties is that they don't cover items that haven't been properly 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.
Whether or not a home warranty is worth it ultimately comes down to your personal situation. Like any other kind of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty can save you a decent amount of money on home repairs and give you peace of mind as a homeowner. All of these top home warranty providers have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly cost. However, other options reviewed above also give great coverage choices for St Peters residents.
The best home warranty provider in St Peters is Choice Home Warranty. Choice Home Warranty has an expansive network of professional contractors and a tremendous reputation in the St Peters area.
A home warranty plan protects against the normal wear of home systems and appliances. A homeowners insurance plan protects your entire home in case of something like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster.
Home buyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
A service fee is an expense that a homeowner pays before a repair technician or contractor comes to your home to repair your home warranty-related issue. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your savings account .
