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Last Updated: February 25, 2025
As much as you may love homeownership in Carl Junction, there's always that concern about whether your systems and appliances are going to make it through the next few years. A home warranty is a way to protect your bank 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.
The home warranty market is filled with many providers — all with different offerings — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Carl Junction.
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 Carl Junction, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. 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 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 $75.
Read our review of Liberty Home Guard to learn more. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 Carl Junction, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. 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.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Carl Junction, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to understand and offer both system and appliance coverage. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
Read our review of Select Home Warranty to learn more. 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
In Carl Junction, American Home Shield offers the most customizable home warranty. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It 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 company. Service fees are customizable and range from $75 to $125.
Read our review of American Home Shield 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.
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 Carl Junction, First American Home Warranty offers the best home warranty for appliance coverage. The 2 plans from First American are easy to understand and offer both system and appliance coverage. 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
Read our review of First American Home Warranty to learn more. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Carl Junction, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
Read our review of Cinch Home Services to learn more. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 Carl Junction, The Home Service Club offers the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
Read our review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $6,043 |
| Heating | $4,028 |
| Electrical | $604 |
| Toilets | $504 |
| Washer/Dryer | $806 |
| Plumbing | $604 |
| Oven | $1,611 |
| Fridge | $604 |
A home warranty is a protection plan that helps Carl Junction homeowners lower the high costs of household repairs. These plans provide financial protection to fix or swap out appliances and systems that break down from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover your household systems and appliances. Common covered appliances include refrigerators, dryers, washers, microwaves, dishwashers, garbage disposals, and more. Protected systems include air conditioning, heating, plumbing, and electrical. Various home warranty plans offer add-on coverage for septic systems, central vacuums, roof leaks, and even locksmiths. Most home warranty plans require Carl Junction homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans provide coverage for electrical, AC, plumbing, heating, and appliances. More comprehensive options may also include other things such as spas, roof leaks, pools, and well pumps. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and 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 lower service fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation provides insight into things such as repair timeliness, approval rates, contractor quality, and customer service. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of professionals to handle covered repairs. Larger networks raise the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Carl Junction to get a sense of how quickly your repairs could be handled in an emergency.
Some home warranty companies provide bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These can add value beyond just repair coverage. Extra bonuses maximize the usefulness of the home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Carl Junction hitting an average high of 67℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system break down.
Not only can a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you’ve been getting.
Home warranties also have some cons. Although it can be convenient that the home warranty sends out a repair technician who takes care of the repair for you, some homeowners may not like this, and they may want to select their own contractor. If that’s the case for you, some home warranty plans allow you to choose a contractor.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They commonly won’t cover home systems or appliances that have been damaged due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Carl Junction. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which is somewhat common in Carl Junction.
Homebuyers, real estate agents, homeowners, landlords, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Carl Junction include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.
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 will pay the service fees when using the policy. In Carl Junction, where the median value of a home is $246,346, having the seller pay for the home warranty can save you some money on your new home.
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