Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering a home warranty? Check out one of our recommended home warranty companies. As much as you may enjoy homeownership in Clayton, there is always that worry about whether your systems and appliances are going to make it through the next few years.
A home warranty can offer you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances. Finding the best home warranty on the market can be quite difficult because there are so many companies to decide between. That's why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Clayton 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 Clayton residents. Choice has over 15 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. 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 2 plans from Choice Home Warranty are 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, you can fill out this online form or call 929-400-6164.
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 for Clayton residents. Select has been in business for about 11 years, making it a respected company in the industry. Select has 3 simple plans, making the selection process easy. 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.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Clayton area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our 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
American Home Shield is the most customizable home warranty in Clayton. AHS is a home warranty provider with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
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 for Clayton residents. 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 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. 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 receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full review.
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 offers the most trustworthy home warranty in Clayton. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, 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. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Clayton, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans from First American are comprehensive 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.
The 2 plans from First American Home Warranty are 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 make sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty full review.
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 Clayton residents. Cinch has been in business for about 44 years, making it a well-regarded company in the industry. With a home warranty from Cinch, you can benefit from 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 plans for homeowners to decide between.
Cinch Home Services offers 3 plans for Clayton homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, read our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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|
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they have issues over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying exorbitant out-of-pocket costs. Most home warranty plans start about 30 days after purchasing the home warranty plan.
When one of your systems or appliances has an issue, you file a claim with your home warranty provider. You can do so online or by telephone, and then a contractor will come and fix the problem.
Once you submit the claim, it will be assigned to a local repair technician that will come to your home and fix the problem. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty plan provides coverage on your home's major appliances and systems and it can help bring down how much you spend on maintaining your home. Appliances covered under a home warranty plan are typically the microwave, dryer, dishwasher, garbage disposal, refrigerator, and more. Systems that are covered include plumbing, electrical systems, air conditioning, and heating.
You can also opt to pay extra for add-on coverage for items like swimming pools, septic systems, spas, and roof warranty.
Clayton homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like natural disasters, misuse of a system or appliance, cosmetic issues, or pre-existing conditions. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Clayton'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 can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
A home warranty can also provide value in other ways. For example, some plans can be transferred between owners when you sell your home.
Home warranties also have some drawbacks. While it can be convenient that the home warranty sends out a repair technician who handles the repair for you, some may not like this, and they may want to choose their own contractor. If that's important to you, some home warranty companies allow you to choose a contractor.
Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your repair requests being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Once you're ready to buy a home warranty policy, the first step is figuring out what items you need coverage for. After that, you can compare plans and call different home warranty providers to get a free quote. Before deciding which home warranty to buy, here are a few additional factors to keep in mind:
The best overall home warranty company in Clayton is Choice Home Warranty, but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that gives homeowners extra coverage for their household systems and appliances. These include dryers, garbage disposals, refrigerators, washing machines, dishwashers, heating and cooling systems, plumbing, sump pumps, water heaters, and electrical systems, among others. Some plans also provide coverage for ceiling fans, pools, roofs, and garage door openers. A home warranty can help you save money if these items break down unexpectedly.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
Generally a home warranty plan lasts for a year and you can renew it every year. In Clayton where many rely on heating and A.C., renewing your policy could help protect you from large expenses if your HVAC system needs repairs.
Most home warranty plans will cover replacement costs as well as repair costs. How much the home warranty will cover varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
The service fee is the price the homeowner pay every time there's a problem with a system or appliance and you file a claim with your home warranty. Service fees are usually between $60 and $150.
The systems and appliances in a home are covered under a home warranty policy in Clayton. Everything from a microwave to a garage door can be covered under a home warranty depending on the plan.