Written By David Cusick
Last Updated February 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 offers the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage. 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.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
To read more, visit our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, 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 offers the best overall home warranty. Choice has over 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage. 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.
Choice Home Warranty has 2 plans that offer a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
To read more, visit our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty. Select has over 11 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also 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 offer a combination of system and appliance coverage. Select has coverage caps of around $2,000 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 $60.
To read more, visit our Select Home Warranty full review. To get a free quote from Select Home Warranty, 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 offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To read more, visit our American Home Shield full review. To get a free quote from American Home Shield, 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 offers the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 2 plans from First American are easily comprehensible 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.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. 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 read more, visit our First American Home Warranty full review. To get a free quote from First American Home Warranty, 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 offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To get a free quote from Cinch Home Services, 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 offers the best home warranty with the quickest service. HSC has over 15 years of experience in the home warranty market and in that time has built a impressive network of service professionals nationwide. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. 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.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club full review. To get a free quote from The Home Service Club, 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 assists Lee's Summit homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from 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 goes over the item's coverage limit. A home warranty plan gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include garbage disposals, refrigerators, dishwashers, washers, microwaves, dryers, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty plans also offer add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Lee's Summit should understand that most home warranty plans have a 30-day waiting period before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover AC, electrical, plumbing, heating, and appliances. More comprehensive plans also offer coverage on other items such as pools, well pumps, spas, and roof leaks. Look for providers 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 repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Good reviews and ratings suggest a company known for delivering quality service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential companies to ask how many repair specialists they have in Lee's Summit and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the chance of getting qualified contractors to quickly service your home.
Certain home warranty providers offer extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These can provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Temperatures in Lee's Summit can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Lee's Summit, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition, having a home warranty can save you some time by removing the need to research repair people — most companies will send a trusted professional right to your door to complete the repair or replacement. A home warranty can also give value in other ways. For example, some plans can be transferred between owners when you sell your home.
As for the disadvantages of home warranties, home system and appliance coverage varies by provider, so it’s important to read what each policy covers and doesn’t include in the contract.
Another drawback is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your house floods, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Lee's Summit can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans 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 kind of plan that protects the entire home from natural disasters, which can be a concern in Lee's Summit. It doesn't cover a typical appliance or system repairs.
Homebuyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Generally, a home warranty lasts 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 buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Lee's Summit is $457,695, a home warranty can save you some money when buying a home.