Written By Todays Homeowner Local Pros
Last Updated June 2023
Find the best home warranty provider to protect your home appliances and systems. St Charles is a place that has so much delicious food, great weather, and some great homes. Homeownership in St Charles has many good things associated with it, but some downsides come along with it as well. For one, making sure that your home's systems and appliances stay in working condition can make St Charles homeownership quite difficult.
A home warranty in St Charles can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear. 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 top home warranty providers in St Charles.
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 St Charles, Choice Home Warranty offers the best overall home warranty. Choice has around 15 years of industry experience and in that time has built a an expansive network of service technicians in the country. 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 has 2 simple plans, making the selection process and policy coverage easily understandable.
Choice Home Warranty has 2 plans that provide a combination 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, fill out this online form or call 929-400-6164. Read more by visiting our detailed 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 is the most cost-effective home warranty in St Charles. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has 3 simple plans, making the selection process easy. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
For a more detailed breakdown, read our 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.
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 for St Charles residents. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield Review to learn more. To receive 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
The Home Service Club offers the best home warranty with the quickest service for St Charles 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 home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
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 in St Charles. Liberty is a home warranty provider with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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.
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 about $3,000 for each covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our Liberty Home Guard full review.
Total Home Guard
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
In St Charles, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. 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 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 cheaper than other providers in the St Charles area.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information, read our Cinch Home Services full review.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down, and the repair is several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies often don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll also have to pay your service fee. Once the repair person looks at the problem, they will deal with it at no cost to you. The only time a St Charles homeowner may have out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
Home warranties help protect your home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear. The appliances covered are a microwave, dishwasher, clothes washer, refrigerator, clothes dryer, stove, cooktop, and more. The systems included are the air conditioning, plumbing, heating, electrical, and others.
The add-on coverages can include spa, roof leak, septic system, pool, and sometimes even things like locksmith or pest control.
An important thing to note is that home warranties only cover normal wear and tear on your home systems and appliances. Things like cosmetic damages, pre-existing conditions, misuse, and lack of maintenance are not included in the home warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in St Charles reaching an average high of 57℃F, you may find that some appliances, like your air conditioning system, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
A home warranty can also give value in other ways. For example, some policies can be transferred to another owner during a home sale.
There are also some downsides to getting a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered under a manufacturer's warranty.
In addition, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Selecting the right provider for your home warranty is a step you can take to help protect your house. Policies can vary, so consider the following factors when deciding on a home warranty company:
The best overall home warranty company in St Charles is Choice Home Warranty, but the right company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty plan covers the normal wear of home systems and appliances. Homeowners insurance protects your entire home in case of something 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 dryer or stove, unless the damage is a result of a natural disaster, which are somewhat common in St Charles.
Generally a home warranty lasts for a year and you can renew it annually. In St Charles where many rely on heating and A.C., renewing your policy could help mitigate large, unexpected expenses if your HVAC system needs repairs.
Many homeowners find a home warranty is a good investment because it can help protect against unforeseen expenses, and saving money is important with the cost of living going up a lot in St Charles. If you're worried about your finances and your ability to keep your home in good working order, having a home warranty can help. One of the big advantages of a home warranty is that it can provide you some financial peace of mind.
Usually the person who owns the home pays for the home warranty. In when selling a home, however, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in St Charles is $260,842, a home warranty can help you avoid more costs when buying a home.
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 often don't cover something that happened as a result of a pre-existing condition.