Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
St. Matthews offers homeowners some beautiful living options. However, unexpected repair and replacement costs on your home’s systems and appliances can get quite expensive. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in St. Matthews. Keep reading for our home warranty 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 St. Matthews. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the St. Matthews area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read our Liberty Home Guard Review.
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 St. Matthews. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the St. Matthews area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, 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 is the most cost-effective home warranty in St. Matthews. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a combination of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the St. Matthews area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, 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 is the most customizable home warranty in St. Matthews. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
American Home Shield has 3 plans that offer a combination 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 lower than other providers in the St. Matthews area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, 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 is the best home warranty for appliance coverage in St. Matthews. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. 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 home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the St. Matthews area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information on this provider, 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 is the home warranty with the best workmanship guarantee in St. Matthews. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it 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.
Cinch Home Services has 3 plans that offer a combination 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 lower than other providers in the St. Matthews area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, 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 is the best home warranty with the quickest service in St. Matthews. 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, you’ll want to have this plan on your side. Plus, it 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 that have various options for appliance and system coverage.
The Home Service Club has 2 plans that offer a combination 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 lower than other providers in the St. Matthews area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, 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 | $6,166 |
| Heating | $4,111 |
| Electrical | $617 |
| Toilets | $514 |
| Washer/Dryer | $822 |
| Plumbing | $617 |
| Oven | $1,644 |
| Fridge | $617 |
A home warranty is a protection policy that helps St. Matthews homeowners cut the high costs of household repairs. These plans provide financial protection to fix or swap out appliances and systems that stop working from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair 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 security for homeowners by helping them prevent expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. Newer builds with functional appliances probably don’t need a home warranty.
Home warranties protect your home's systems and appliances. Typical covered appliances are refrigerators, dryers, garbage disposals, washers, dishwashers, microwaves, and others. Protected systems include heating, plumbing, air conditioning, and electrical. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require St. Matthews homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to understand before signing, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty plans differ significantly in terms of coverage. Most plans provide protection for heating, plumbing, electrical, AC, and appliances. More inclusive options also include coverage for other items such as well pumps, pools, roof leaks, and spas. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's rating provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty providers have networks of professionals to handle covered repairs. Larger networks improve the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in St. Matthews to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can offer extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Temperatures in St. Matthews can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in St. Matthews, one of the benefits 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.
On top of saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. Another added benefit of having home warranty coverage is that it can increase your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
As for the negatives of home warranties, home 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 thing to consider is that some providers don’t cover pre-existing conditions and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.
A home warranty in St. Matthews can cost anywhere from $30 to $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, 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 agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds 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 homeowners insurance, you will not be able to file a claim should you need a new dryer or oven, unless the damage is a result of a natural disaster, which can be a threat in St. Matthews.
Homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in St. Matthews include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, including your dishwasher, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the plan.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in St. Matthews is $182,898, a home warranty can save you some money when buying a home.
