Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you thinking about getting a home warranty? Go with one of our top home warranty companies. With a relatively mild climate, Grain Valley is a great place to own a home. However, homeownership doesn't always come easy, like repairing and replacing your home's systems and appliances.
A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind. Finding the right home warranty plan for your Grain Valley home can be challenging, so our team at Today's Homeowner did the research to help you find the best home warranty in Grain Valley for your home. Keep reading for our home warranty company 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
In Grain Valley, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. 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. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Grain Valley homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Grain Valley area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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 Grain Valley. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for homeowners to decide between.
Select Home Warranty offers 3 plans for Grain Valley homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To read more, visit our Select Home Warranty full review. To get a free quote from Select Home Warranty, you can fill out this online form or call 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 Grain Valley, American Home Shield is the most customizable home warranty. AHS has 3 plans for homeowners to decide between. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 Grain Valley, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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. HSC has 2 simple plans, making the selection process quick and easy.
The plans that HSC offers to homeowners 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.
For more information on this provider, read our The Home Service Club Review. To get 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
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 Grain Valley, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for over 6 years, making it a highly regarded company in the industry. Liberty has 3 plans for you to decide between. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 in Grain Valley. If you're looking for very affordable and comprehensive appliance coverage, this is the home warranty 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. First American offers 2 plans for homeowners to choose from.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
Read our thorough 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 call 833-204-7164.
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 Grain Valley, Cinch Home Services offers the home warranty with the best workmanship guarantee. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Grain Valley area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
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 coverage plan that helps homeowners manage the high costs of appliance and systems repairs. Home warranties will provide coverage for a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances less stressful. A home warranty plan usually has a 30-day waiting period from the time you pay to when you can start using it.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll pay a service fee, which is usually between $60 and $150, depending on what plan you opt for. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty company. Appliances covered under a home warranty plan are the refrigerator, dryer, microwave, dishwasher, garbage disposal, and more. Systems that are covered include plumbing, air conditioning, electrical systems, and heating.
Add-on coverage options can vary from one plan to another but typically include things like a sprinkler system, septic system, plumbing stoppages, second refrigerator, and central vacuum.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are excluded from the home warranty policy.
Since temperatures in Grain Valley can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may experience.
There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
When you're ready to sign up for a home warranty policy, the first step is thinking about what appliances and systems you want coverage for. From there, you can compare your options and call different home warranty companies to get a free quote. Policies can vary, so consider the following factors when deciding on a home warranty provider:
The top home warranty company in Grain Valley is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a great reputation in the Grain Valley area.
The kind of home warranty you need depends on what is important to you. A less costly plan may have higher deductibles and lower coverage caps, while a costlier plan may provide more coverage and have lower service fees. If you have a home that has new appliances or systems, you may be able to get a cheaper plan. The company's reputation and available plans are the main two things to research when selecting a home warranty company.
Generally a home warranty policy lasts for a year and you can renew it every year. In Grain Valley where many rely on heating and A.C., renewing your policy could help prevent large, unexpected expenses if your HVAC system needs repairs.
Many homeowners find a home warranty is worth it since it helps protect against unforeseen expenses, and saving money is important with the cost of living going up in Grain Valley. If you're worried about your budget and your ability to keep your home in good working order, a home warranty can help. One of the big pluses of a home warranty is that it can offer you some financial peace of mind.
Home warranties will cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
Most home warranty companies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.