Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Written By David Cusick
Last Updated June 2024
Buying a home is a big step in many people’s lives, but the cost of maintaining it can be expensive over time, especially if your home in Lee's Summit is on the older side. A home warranty can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
The home warranty market is filled with a variety of providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you find the best home warranty companies in Lee's Summit.
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 Lee's Summit, Liberty Home Guard is the most trustworthy home warranty. Liberty has about 6 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To read more, visit our full review of Liberty Home Guard. To get 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 Lee's Summit, Choice Home Warranty is the best overall home warranty. Choice has about 15 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also 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. The coverage caps associated with Choice’s plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To read more, visit our full review of Choice Home Warranty. To get 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 Lee's Summit, Select Home Warranty is the most cost-effective home warranty. Select has about 11 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To read more, visit our full review of Select Home Warranty. 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 Lee's Summit, American Home Shield is the most customizable home warranty. AHS has about 26 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. 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. The coverage caps associated with AHS’s plans are close to the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our full review of American Home Shield. To get 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 Lee's Summit, First American Home Warranty is the best home warranty for appliance coverage. First American has about 39 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options. First American offers very affordable and comprehensive appliance coverage. Plus, 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. The coverage caps associated with First American’s plans are close to the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To read more, visit our full review of First American Home Warranty. To get 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 Lee's Summit, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our full review of Cinch Home Services. To get 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 Lee's Summit, The Home Service Club is the best home warranty with the quickest service. HSC has about 15 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also 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 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 major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our full review of The Home Service Club. To get 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 | $6,221 |
| Heating | $4,148 |
| Electrical | $622 |
| Toilets | $518 |
| Washer/Dryer | $830 |
| Plumbing | $622 |
| Oven | $1,659 |
| Fridge | $622 |
A home warranty is a protection policy that helps Lee's Summit homeowners in reducing the expenses of appliance and system repairs. The plans provide financial coverage to replace or fix appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges 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 policy gives homeowners peace of mind and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, refrigerators, dishwashers, washers, dryers, microwaves, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Lee's Summit should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for AC, heating, electrical, plumbing, and appliances, while more comprehensive options may also cover pools, roof leaks, spas, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with more affordable fees to maximize savings. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, contractor quality, speed of repairs, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Lee's Summit and get an idea for how quickly your repairs could take place in an emergency situation. More extensive networks raise the chances of getting qualified contractors to promptly service your home.
Certain home warranty companies include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These bonuses can offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Since temperatures in Lee's Summit can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair problems you may come across. Another good thing about having a home warranty is while selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your house sell faster.
There are also some drawbacks to getting a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly 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.
A home warranty in Lee's Summit can cost between $30 and $60 a month. Higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranties cover problems with home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different plan that protects an entire home from natural disasters, which can be a concern in Lee's Summit. It doesn't cover a typical appliance or system damage.
A home warranty policy can help homebuyers, real estate agents, investors, home sellers, and homeowners. It can offer peace of mind to anyone involved with homeownership.
A home warranty policy 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 useful if you're concerned about one more than the other.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Lee's Summit is $457,695, a home warranty can save you some money when buying a home.
