When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
University City gives homeowners some great living options and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Since the home warranty market is filled with 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 University City.
After reviewing the basics of home warranties in University City, the next step is to determine which company you'd like to receive a free quote from. Policies can vary, so consider the following factors when deciding on a home warranty company:
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 University City, Choice Home Warranty is the best overall home warranty. 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 provider offers 2 plans to policyholders that have various system and appliance coverage options.
Choice Home Warranty offers 2 plans for University City homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 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 an affordable $85.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our thorough 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 in University City. When you purchase 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 home warranty plans that Select has include options for appliance and system coverage.
Select Home Warranty offers 3 plans for University City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance 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 provider. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 for University City residents. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our American Home Shield full 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
The Home Service Club is the best home warranty with the quickest service for University City residents. 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. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the University City area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. To read more, visit 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 for University City residents. The 3 plans from Liberty are easy to understand and offer a mix of both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for University City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard full review.
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 offers the best home warranty for appliance coverage for University City residents. First American has about 38 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. 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. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
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 University City residents. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. 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 Home Services offers 3 plans for University City 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 about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 University City
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
For University City homeowners, when a problem comes up with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal where a claim can be submitted. At this point, you will also pay your service fee. Once the repair person takes a look at the problem, they will deal with it at no cost to you. The only time you may have to pay out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty in University City typically covers the main systems and appliances in the house. Appliances covered under a home warranty plan are the garbage disposal, refrigerator, dryer, dishwasher, microwave, and more. Systems that are covered usually include air conditioners, water heaters, plumbing systems, electrical systems, and heating systems. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as pools, sump pumps, roof leaks, spas, central vacuums, and electronics.
University City homeowners should be aware that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, pre-existing conditions, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.
University City's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you some time by getting rid of the need to research service technicians--most providers will send a trusted professional right to your door to carry out the necessary repair or replacement.
One downside of getting a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be covered under the home warranty, so it's important to read over any contracts you're considering thoroughly to get a sense of what is included and what isn't. Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They often won't cover systems or appliances that have need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty can be the solution to some of a homeowner's maintenance concerns, but ultimately, it's up to you to decide whether or not investing in one is the right move for you and your family. Make sure you do your research and read through any home warranty policy that you're seriously considering getting to understand what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can select the proper home warranty for your University City home. When it comes to home warranty company choices in University City, the best overall is Choice Home Warranty. With its comprehensive plans, affordable cost, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in University City is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced technicians and a great reputation in the University City area.
Home warranties cover issues with home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system repairs.
Typically coverage for a home warranty plan begins 30 days after the payment receipt. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
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.
Most home warranty plans are going to cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
