Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Considering purchasing a home warranty? One of our top home warranty companies can help. Bay St Louis gives homeowners some great living options and the opportunity to enjoy the sun all year round. However, those temperatures can do a number on your home's systems, such as your HVAC.
When one of your systems or appliances malfunctions, a home warranty will step in and help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less stressed by homeownership. Finding the best home protection plan for your Bay St Louis home can be difficult, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Read on for our home warranty 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 is the best overall home warranty for Bay St Louis residents. Choice has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. 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 home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To read more, visit our Choice Home Warranty Review. To receive 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 offers the most cost-effective home warranty in Bay St Louis. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit 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 Bay St Louis. AHS has been in the home warranty business for around 26 years. AHS offers 3 plans for you to choose from. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Bay St Louis homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps 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 Bay St Louis area.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 in Bay St Louis. 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 HSC are easy to understand and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our full review of The Home Service Club.
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
In Bay St Louis, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of industry experience and in that time has built a an network of service technicians in the country. 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 home warranty company offers 3 plans to policyholders that have various system and appliance coverage options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.
Read more by visiting our Liberty Home Guard Review. To receive 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
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
In Bay St Louis, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for around 39 years. With a home warranty from First American, you can enjoy 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. First American offers 2 plans for homeowners to decide between.
First American Home Warranty offers 2 plans for Bay St Louis homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with First American's plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our full 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
In Bay St Louis, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services offers 3 plans for Bay St Louis 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. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Bay St Louis area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $5,941 |
| Heating | $3,961 |
| Electrical | $594 |
| Toilets | $495 |
| Washer/Dryer | $792 |
| Plumbing | $594 |
| Oven | $1,584 |
| Fridge | $594 |
A home warranty is a coverage plan that helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty can make it easier to budget and manage your finances. A home warranty plan usually has a 30-day waiting period from the time you purchase to when you can file your first claim.
Filing a claim with your home warranty company is very simple. There will be an online portal system or a direct phone number to request service for a repair or replacement.
The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair. This repair will typically occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees range between $60 and $150.
A home warranty will cover your home's systems and appliances from normal wear. Common appliances covered by a home warranty include a refrigerator, dishwasher, washer, garbage disposal, microwave, dryer, and more. The systems that are usually covered will be plumbing, heating, electrical systems, and air conditioning.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as spas, electronics, pools, sump pumps, roof leaks, and central vacuums.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, your home warranty will not cover it. Also, a home warranty does not cover misuse, cosmetic damages, pre-existing conditions, and lack of maintenance.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Bay St Louis reaching an average high of 77℃F, you may find that certain appliances, such as your air conditioning system, get a lot of use. A home warranty can significantly bring down out-of-pocket expenses should your HVAC system break down.
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 have your home warranty with.
One of the main drawbacks of a home warranty is not every home system and appliance you care about may be covered. It's important to weigh the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Consider the appliances and systems in your home you'd like coverage for and compare the plans. When considering which home warranty provider is the right fit for you, here are some important factors to keep in mind:
Our pick for the best overall home warranty in Bay St Louis is Choice Home Warranty, but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a kind of contract that covers repairing and replacing major home system components and appliances.
Home warranty policies cover issues with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Bay St Louis. It doesn't cover a typical appliance or system damage.
A home warranty plan can protect you from high-cost repair bills, but only if you purchase a good quality plan from a trustworthy company. When deciding which home warranty company to purchase a plan from, you should take into consideration things like its customer service and availability in your area. In addition, you should think about the kind of coverage the company offers and what kinds of appliances and systems are protected. Homes that have new appliances or systems can get by on a plan with less coverage.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Bay St Louis, where the median home value is $140,216, when the seller includes a home warranty can be a good asset for your new home.
A Bay St Louis home warranty can cost anywhere from $40 to $80 a month. Higher-priced plans typically have higher coverage limits, more coverage, and a lower service fee.
The systems and appliances in a home are covered under a home warranty plan in Bay St Louis. Everything from a microwave to a swimming pool can be covered under a home warranty depending on the plan.
