Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Ladue can be costly, particularly as your home ages and your systems and appliances need to be repaired or replaced. A home warranty in Ladue can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
The home warranty market is saturated with a variety of providers — all with different price points — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Ladue.
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 Ladue, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty business for about 6 years. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it 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. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
Read more by visiting our Liberty Home Guard full review. To receive 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
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 Ladue, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty business for about 15 years. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read more by visiting our Choice Home Warranty full review. 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
In Ladue, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty business for about 11 years. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty full review. To receive 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 Ladue, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty business for about 26 years. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, you can fill out this online form or call 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 Ladue, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for about 39 years. The 2 plans from First American are comprehensive and have a mix of both system and appliance coverage. If you’re looking for very affordable and comprehensive appliance coverage, this is the 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our First American Home Warranty full review. To receive a free quote from First American Home Warranty, you can fill out this online form or call 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 Ladue, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for about 44 years. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 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.
Read more by visiting our Cinch Home Services full review. To receive a free quote from Cinch Home Services, you can fill out this online form or call 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 Ladue, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty business for about 15 years. The 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage. 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, this is the 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club full review. To receive a free quote from The Home Service Club, you can fill out this online form or call 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 | $6,281 |
| Heating | $4,187 |
| Electrical | $628 |
| Toilets | $523 |
| Washer/Dryer | $837 |
| Plumbing | $628 |
| Oven | $1,675 |
| Fridge | $628 |
A home warranty is a protection policy that helps Ladue homeowners in lowering the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. Newer homes with functional fixtures probably don’t need a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include garbage disposals, washers, refrigerators, dryers, microwaves, dishwashers, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty providers also offer add-on coverage for central vacuums, septic systems, roof leaks, and locksmiths. Most home warranty plans require Ladue 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 pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for plumbing, AC, heating, electrical, and appliances. More inclusive options also include protection for other items such as spas, well pumps, pools, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation gives insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Positive ratings and feedback indicate a company known for great service.
Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to learn the number of repair technicians they have in Ladue and get an idea of how quickly your repairs could be handled in an emergency. Wider networks raise the probability of getting qualified contractors to swiftly service your home.
Home warranty providers often offer bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond repair coverage. Additional perks can maximize the usefulness of your home warranty.
Since temperatures in Ladue can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down suddenly.
Not to mention, having a home warranty can save you some time by eliminating the need to research technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. A home warranty can also yield value in other ways. For instance, some policies can be transferred between owners during a home sale.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some people may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty costs, on average, about $300 to $600 a year in Ladue. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which can be a concern in Ladue. It doesn't cover a normal appliance or system damage.
A home warranty plan can help home sellers, real estate agents, homeowners, homebuyers, and investors. It can offer peace of mind to anyone involved in homeownership.
A home warranty will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the homeowner is responsible for paying for the home warranty. In some cases, however, the home seller may purchase a home warranty plan 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 Ladue is $1,120,125, a home warranty can be an added asset when buying a home.
