Written By David Cusick
Last Updated February 2024
Being a homeowner in Ballwin is a great option for those who love nature and quiet neighborhoods. However, as great as Ballwin is, homeownership always comes with its fair share of headaches, such as trying to take care of your appliance and system repairs yourself. A home warranty in Ballwin can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market has a variety of providers — all with different offerings — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Ballwin.
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
In Ballwin, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for more than 6 years, making it a respected company in the industry. 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 provider offers 3 plans to policyholders that have various options for appliance and system coverage.
Liberty Home Guard offers 3 plans for Ballwin homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our comprehensive review of Liberty Home Guard.
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
In Ballwin, Choice Home Warranty is the best overall home warranty. Choice has been on the market for more than 15 years, making it a respected company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. 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 offers 2 plans for Ballwin homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many of the major systems and appliances, and 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. For a more detailed breakdown, read our comprehensive review of Choice Home Warranty.
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
In Ballwin, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for more than 11 years, making it a respected company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. 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 offers 3 plans for Ballwin 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. The coverage caps associated with Select’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For a more detailed breakdown, read our comprehensive review of Select Home Warranty.
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
In Ballwin, American Home Shield is the most customizable home warranty. AHS has been on the market for more than 26 years, making it a respected company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. 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 offers 3 plans for Ballwin homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our comprehensive review of American Home Shield.
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
In Ballwin, First American Home Warranty is the best home warranty for appliance coverage. First American has been on the market for more than 39 years, making it a respected company in the industry. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. 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 offers 2 plans for Ballwin homeowners. The Basic Plan and Premier Plan are the options they have, which contain 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 of the major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our comprehensive 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 Ballwin, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been on the market for more than 44 years, making it a respected company in the industry. 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 that have various options for appliance and system coverage.
Cinch Home Services offers 3 plans for Ballwin 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 associated with Cinch’s plans are close to 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 get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our comprehensive review of Cinch Home Services.
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
In Ballwin, The Home Service Club is the best home warranty with the quickest service. HSC has been on the market for more than 15 years, making it a respected company in the industry. 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, HSC is the perfect provider for you. 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 offers 2 plans for Ballwin homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our comprehensive review of The Home Service Club.
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 | $6,357 |
Heating | $4,238 |
Electrical | $636 |
Toilets | $530 |
Washer/Dryer | $848 |
Plumbing | $636 |
Oven | $1,695 |
Fridge | $636 |
A home warranty is a protection plan that helps lower expenses for Ballwin homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, microwaves, dishwashers, refrigerators, dryers, washers, and others. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranties also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Most home warranty plans require Ballwin homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, cosmetic issues, pre-existing conditions, 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 learn before signing, such as:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for plumbing, heating, electrical, AC, and appliances. More inclusive plans may also cover extra things such as roof leaks, pools, well pumps, and spas. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers keep networks of professionals to handle covered repairs. Larger networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Ballwin to get a sense of how soon your repairs could be handled in an emergency.
Certain home warranty providers include perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses can provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Ballwin’s relatively mild winters and 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 if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Plus, having a home warranty can save you time by getting rid of the need to research contractors — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another benefit of having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to purchasing a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another thing to bear in mind is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
A home warranty in Ballwin can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which can be a concern in Ballwin. It doesn't cover a typical appliance or system breakage.
A home warranty policy can help real estate agents, investors, home sellers, homeowners, and homebuyers. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Ballwin include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the specific items mentioned in the contract.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Typically, 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 given to the new homeowner, who will pay the service fees when using the policy. In Ballwin, where the median value of a home is $383,390, having the seller pay for the home warranty can be a good asset for your new home.