Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Lake St. Louis gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty can bring you the peace of mind you need and guard your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be overwhelming, as 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 Lake St. Louis for you.
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
Liberty Home Guard offers the most trustworthy home warranty in Lake St. Louis. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 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 an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our Liberty Home Guard full review.
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
Choice Home Warranty offers the best overall home warranty in Lake St. Louis. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it 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 quick and easy.
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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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 in Lake St. Louis. 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 has 3 simple plans, making the selection process quick and easy.
The 3 plans from Select Home Warranty are 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 get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our Select Home Warranty full review.
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 offers the most customizable home warranty in Lake St. Louis. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process quick and easy.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 customizable and range from $75 to $125.
To get 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 full review.
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
First American Home Warranty offers the best home warranty for appliance coverage in Lake St. Louis. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. 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 has 2 simple plans, making the selection process quick and easy.
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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our First American Home Warranty full review.
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 in Lake St. Louis. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
The 3 plans from Cinch Home Services are 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 with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services full review.
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
The Home Service Club offers the best home warranty with the quickest service in Lake St. Louis. 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. HSC has 2 simple plans, making the selection process quick and easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC 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 customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club full review.
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 | $6,092 |
| Heating | $4,061 |
| Electrical | $609 |
| Toilets | $508 |
| Washer/Dryer | $812 |
| Plumbing | $609 |
| Oven | $1,625 |
| Fridge | $609 |
A home warranty is a protection plan that helps cut costs for Lake St. Louis homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as washers, garbage disposals, dishwashers, dryers, refrigerators, microwaves, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty companies also offer additional coverage for central vacuums, septic systems, locksmiths, and roof leaks. It's important for Lake St. Louis homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several key considerations when choosing a home warranty provider:
Home warranties differ greatly in the items covered. Basic plans typically cover electrical, plumbing, AC, heating, and appliances, while more comprehensive options may also cover roof leaks, pools, spas, and well pumps. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising lower service fees to optimize savings on each repair claim. Certain companies may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Lake St. Louis and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks raise the likelihood of getting qualified contractors to promptly service your home.
Some home warranty plans provide bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks add value beyond repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Temperatures in Lake St. Louis can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Lake St. Louis, one benefit of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet contractors by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to purchasing a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Lake St. Louis. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects an entire home from natural disasters, which can sometimes be a concern in Lake St. Louis. It doesn't cover a normal appliance or system breakage.
A home warranty policy can help home sellers, real estate agents, investors, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved with homeownership.
The different home warranties in Lake St. Louis include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the items mentioned in the policy.
Home warranty plans typically last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Lake St. Louis is $399,385, a home warranty can save you some money when buying a home.
