Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With hot summers in Ozark, your home systems can go through quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty can offer you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is filled with a variety of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Ozark.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Ozark residents. Liberty has been in business for over 6 years, making it a well-regarded company in the industry. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Ozark area.
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 review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 offers the best overall home warranty for Ozark residents. Choice has been in business for over 15 years, making it a well-regarded company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Ozark area.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
Basic Plan
Total Plan
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 Ozark residents. Select has been in business for over 11 years, making it a well-regarded company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Ozark area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 for Ozark residents. AHS has been in business for over 26 years, making it a well-regarded company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include options for appliance and system coverage.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Ozark area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Ozark residents. First American has been in business for over 39 years, making it a well-regarded company in the industry. 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 2 plans that First American offers include options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is less than other providers in the Ozark area.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our review of First American Home Warranty.
Basic Plan
Premier Plan
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 Ozark residents. Cinch has been in business for over 44 years, making it a well-regarded company in the industry. 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 3 plans that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Ozark area.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 Ozark residents. HSC has been in business for over 15 years, making it a well-regarded company in the industry. 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, HSC is the perfect 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. The 2 plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Ozark area.
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.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,646 |
| Heating | $3,764 |
| Electrical | $565 |
| Toilets | $471 |
| Washer/Dryer | $753 |
| Plumbing | $565 |
| Oven | $1,506 |
| Fridge | $565 |
A home warranty is a protection policy that helps Ozark homeowners lower the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older construction homes with aging systems. New homes with up-to-date appliances may not require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include washers, garbage disposals, refrigerators, dishwashers, dryers, microwaves, and more. Covered systems are usually heating, plumbing, electrical, and air conditioning. Many home warranty companies offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. It's important for Ozark homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies vary widely in what they include. Most plans cover plumbing, AC, heating, electrical, and appliances. More inclusive options also include coverage for other items such as spas, pools, well pumps, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings. Some providers also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Good feedback and ratings suggest a company known for delivering quality service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. More extensive networks increase the likelihood of getting qualified contractors to your home quickly. Contact possible providers to learn how many repair professionals they have in Ozark to understand how long repairs could take in an urgent situation.
Some home warranty providers provide extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond just repair coverage. Added bonuses maximize the usefulness of the home warranty.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Ozark hitting an average high of 76℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket costs should your HVAC system stop working.
In addition, having a home warranty can save you time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to complete the repair or replacement. Additionally, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
As for the drawbacks of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each plan covers and doesn’t include in the contract.
Another downside is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in Ozark can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger plan that protects your entire home from natural disasters, which can sometimes be a concern in Ozark. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, real estate agents, landlords, home sellers, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Ozark, where the median home value is $140,177, having the seller pay for the home warranty can save you some money on your new home.
