Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a house can have a lot of perks, but it can also come with some downsides like maintenance. The older your house’s systems and appliances are, the more you may want to consider getting a home warranty. A home warranty is a way to protect your savings account from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Forest Park. Read on for our recommendations.
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 is the most trustworthy home warranty in Forest Park. Liberty has more than 6 years of industry experience and in that time has built a impressive network of service technicians nationwide. Liberty offers 3 plans for homeowners to decide between. With a home warranty from Liberty, you can benefit from 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 Home Guard offers 3 plans for Forest Park homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
For more information on this provider, read our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 is the best overall home warranty in Forest Park. Choice has more than 15 years of industry experience and in that time has built a impressive network of service technicians nationwide. Choice offers 2 plans for homeowners to decide between. 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.
Choice Home Warranty offers 2 plans for Forest Park homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered appliance or system.
For more information on this provider, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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 is the most cost-effective home warranty in Forest Park. Select has more than 11 years of industry experience and in that time has built a impressive network of service technicians nationwide. Select offers 3 plans for homeowners to decide between. 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.
Select Home Warranty offers 3 plans for Forest Park 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’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
For more information on this provider, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 is the most customizable home warranty in Forest Park. AHS has more than 26 years of industry experience and in that time has built a impressive network of service technicians nationwide. AHS offers 3 plans for homeowners to decide between. 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.
American Home Shield offers 3 plans for Forest Park homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered appliance or system.
For more information on this provider, read our review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Forest Park. Cinch has more than 44 years of industry experience and in that time has built a impressive network of service technicians nationwide. Cinch offers 3 plans for homeowners to decide between. 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.
Cinch Home Services offers 3 plans for Forest Park 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. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per covered appliance or system.
For more information on this provider, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 is the best home warranty with the quickest service in Forest Park. HSC has more than 15 years of industry experience and in that time has built a impressive network of service technicians nationwide. HSC offers 2 plans for homeowners to decide between. 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 Home Service Club offers 2 plans for Forest Park homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered appliance or system.
For more information on this provider, read our review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 | $6,219 |
| Heating | $4,146 |
| Electrical | $622 |
| Toilets | $518 |
| Washer/Dryer | $829 |
| Plumbing | $622 |
| Oven | $1,658 |
| Fridge | $622 |
A home warranty is a protection policy that helps Forest Park homeowners in lowering the costs of appliance and system repairs. The plans provide financial coverage to replace or repair appliances and systems that malfunction due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as refrigerators, dryers, dishwashers, garbage disposals, microwaves, washers, and others. Covered systems include plumbing, electrical, air conditioning, and heating. Many home warranty companies also provide add-on coverage for central vacuums, septic systems, roof leaks, and locksmiths. Most home warranty plans require Forest Park homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies usually only cover repairs and replacements due to normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several important factors to consider when choosing a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive options also offer protection for other items such as pools, spas, roof leaks, and well pumps. Look for providers with varied coverage options, including upgraded plans. This allows you to tailor protection to your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about companies. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential companies to learn the number of repair professionals they have in Forest Park and get an idea of how fast your repairs could be handled in an emergency. Bigger networks improve the likelihood of getting qualified contractors to promptly service your home.
Home warranty companies often offer bonuses such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond basic repair coverage. Additional perks can maximize the usefulness of the home warranty.
Since temperatures in Forest Park can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
One main drawback of home warranties is not every home system and appliance you care about may be covered. It’s important to research the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to keep in mind is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about this if you need more information or if this is an issue for you.
A home warranty in Forest Park can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers 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 covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which can be a threat in Forest Park.
A home warranty policy can help homebuyers, investors, real estate agents, home sellers, and homeowners. It can offer peace of mind to anyone involved with homeownership.
A home warranty plan will 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 a good idea if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Forest Park is $239,501, a home warranty can save you some money when buying a home.
