Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're looking into purchasing a home warranty, our list of the top providers in Belton can help. With hot summers and cool winters, maintaining your home appliances and systems, particularly HVAC, are very important for homeowners in the Belton area of Missouri.
A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind. Finding the best home warranty on the market can be quite challenging because there are so many companies to decide between. That's why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Belton for you.
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 Belton residents. Choice has more than 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
Read our Choice Home Warranty full review to learn more. 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 for Belton residents. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It 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 has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our Select Home Warranty full review. To get 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
In Belton, American Home Shield is the most customizable home warranty. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
For a more detailed breakdown, 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
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 Belton. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. 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 2 home warranty plans that HSC offers include options for appliance and system coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Belton area.
Read our comprehensive review of The Home Service Club to learn more. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 is the most trustworthy home warranty for Belton residents. Liberty has been in the home warranty business for around 6 years. Liberty has 3 plans for you to choose from. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our detailed 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
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 for Belton residents. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also 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 2 plans from First American Home Warranty are Basic Plan and Premier Plan. 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 receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our detailed 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Belton residents. With a home warranty from Cinch, you can enjoy 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
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 full review of Cinch Home Services.
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 | $6,176 |
| Heating | $4,118 |
| Electrical | $618 |
| Toilets | $515 |
| Washer/Dryer | $824 |
| Plumbing | $618 |
| Oven | $1,647 |
| Fridge | $618 |
A home warranty is a protection plan that covers home systems and appliances. When your HVAC breaks down, and the repair is several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty companies typically don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
For Belton homeowners, it is very easy to file a claim when a problem arises with a covered appliance or system. Most home warranty companies have an online portal where you can file a claim.
At this point, you'll also need to pay your service fee. Once the repair person takes a look at the issue, they will take care of it at no cost to you. The only time you may have out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.
A home warranty offers coverage on your home's major appliances and systems and it can help lower the cost of maintaining your home. The appliances usually covered under a home warranty include a clothes dryer, refrigerator, microwave, dishwasher, garbage disposal, clothes washer, and more. The systems included are air conditioning, electrical systems, plumbing, and ductwork.
Add-on coverage options can vary by company but typically include things like a second refrigerator, sprinkler system, septic system, central vacuum, and plumbing stoppages.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are not included in the home warranty policy.
Belton'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 will cover your home's appliances and systems in the event 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 needed repairs, saving you from spending unexpected money out of pocket.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
One main drawback of home warranties is not everything 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 downside is that home warranties may exclude some repairs, such as those needed because of natural disasters. For example, if your house floods, the impacted systems and appliances most likely won't be covered by the home warranty.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Think about the appliances and systems in your home you need coverage for and compare the policies. Below is a list of factors that you'll want to consider when picking a home warranty provider:
The top home warranty provider in Belton is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a great reputation in the Belton area.
A home warranty is a kind of contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty plan can cover either the home systems and appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
Home warranties will cover the cost of repairs and replacements if it is within the coverage cap of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
Typically the homeowner is responsible for paying for the home warranty. In the case of selling a home, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Belton is $146,000, a home warranty can help you avoid more costs when buying a home.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
