Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
The cost of maintaining a home in Clayton can be costly, especially as your home ages and your systems and appliances have to be updated. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
Finding the best warranty for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Clayton. Keep reading for our top provider recommendations.
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 Clayton residents. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from Choice, you can benefit from 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 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 Clayton residents. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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. The coverage caps associated with Select’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our Select Home Warranty Review.
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 Clayton residents. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from AHS, you can benefit from 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 Clayton residents. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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 from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many of the major systems and appliances, and service fees are a reasonable $85.
To receive 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 First American Home Warranty Review.
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 Clayton residents. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 Clayton residents. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, 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 from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $8,250 |
| Heating | $5,500 |
| Electrical | $825 |
| Toilets | $688 |
| Washer/Dryer | $1,100 |
| Plumbing | $825 |
| Oven | $2,200 |
| Fridge | $825 |
A home warranty is a protection policy that assists Clayton homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or fix appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, refrigerators, dishwashers, washers, microwaves, garbage disposals, and more. Included systems are typically electrical, air conditioning, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Clayton homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically include heating, electrical, AC, plumbing, and appliances, while more comprehensive plans may also cover pools, well pumps, spas, and roof leaks. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation provides insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Browse review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of technicians to handle covered repairs. More extensive networks raise the likelihood of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Clayton to get a sense of how quickly your repairs could be handled in an emergency.
Home warranty providers may offer bonuses such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These add value beyond basic repair coverage. Added perks maximize the usefulness of your home warranty.
Clayton’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to 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 repairs, preventing you from spending a lot of money out of pocket.
As well as saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may come across. A home warranty can also give value in other ways. For example, some policies can be transferred between owners during a home sale.
One downside of getting a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read over the contracts you’re considering carefully to understand what is included and what isn’t.
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 other than normal wear and tear — the home warranty may not cover it.
A home warranty in Clayton can cost between $30 and $60 a month. Higher-priced plans usually have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. Homeowners insurance protects your home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which isn't that common in Clayton.
First-time homebuyers, homeowners, home sellers, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Clayton include plans that cover either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Home warranty plans usually last a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Clayton, where the median home value is $1,080,414, having the seller pay for the home warranty can be a good asset for your new home.
