A home warranty in Clayton 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.
Clayton is a city that has so much culture, things to do, and some beautiful homes. Homeownership in Clayton has many benefits associated with it, but some negatives come hand in hand with it too. For one, ensuring that your home's systems and appliances are well-maintained can make Clayton homeownership quite pricey.
Finding the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are tired of trying to compare the different options, keep reading for our guide to the best home warranty providers in Clayton.
Choosing the best company for your home warranty is the first step toward protecting your property. Here is a list of some factors to consider when purchasing a home warranty in Clayton:
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 for Clayton residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
Read more by visiting our comprehensive review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty in Clayton. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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 Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
Read more by visiting our detailed 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
In Clayton, American Home Shield offers the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. 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 read more, visit our full 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
In Clayton, The Home Service Club offers the best home warranty with the quickest service. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
Read our full review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 Clayton residents. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our comprehensive review of Liberty Home Guard.
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 Clayton, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for about 38 years. First American has 2 plans for you to choose from. 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered system or appliance.
Read more by visiting our First American Home Warranty 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 is the home warranty with the best workmanship guarantee in Clayton. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are 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. Read more by visiting 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 Clayton
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 one in place can provide some peace of mind and protect your bank account from large out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty policy.
When one of your systems or appliances experiences an issue, you file a claim with your home warranty provider. You can do so online or by calling them, and then a repair technician will come and fix the problem. At this point, you will also pay your service fee. Once the repair person takes a look at the issue, they will handle it at no cost to you. The only time a Clayton homeowner may have out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your refrigerator suddenly needs repairs under normal use conditions, you can call your home warranty provider. The appliances commonly covered under a home warranty plan are the microwave, dishwasher, dryer, oven, washing machine, refrigerator, and more. System coverage typically includes air conditioning, electrical systems, water heaters, heating systems, plumbing, and more. You can also optionally opt to pay a bit extra for add-on coverage for items like roof warranty, spas, swimming pools, and septic systems.
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 appliances or systems and maintain them properly, your home warranty will not cover it. Things such as cosmetic damages, misuse, lack of maintenance, and pre-existing conditions are not included in a home warranty policy.
Temperatures in Clayton can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Clayton, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty can also give value in other ways. For example, some plans can be transferred between owners during a home sale.
As for the disadvantages of home warranties, coverage varies by provider so it's important to read what each policy covers and doesn't include in the contract. 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.
It's not always easy to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to provide protection and peace of mind.
Hopefully, this review of Clayton's top home warranty providers has helped you narrow down your choices and decide on a plan. Choice Home Warranty stands out as the best overall provider. With its comprehensive coverage, affordable pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The best home warranty provider in Clayton is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a tremendous reputation in the Clayton area.
Typically coverage for a home warranty begins 30 days after payment. However, a few providers may let you file a claim before this, so check with customer service to find the exact waiting period for your situation.
A home warranty will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
The service fee is the price homeowner pay every time there is an issue with a home system or appliance. The service fees are usually priced between $60 and $150.
