Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Olivette gives homeowners some great living options and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be difficult, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Olivette 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 is the most trustworthy home warranty in Olivette. Liberty has been in the home warranty industry for around 6 years. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard 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 about $3,000.
For more information on this provider, read our review of Liberty Home Guard. To receive 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
Choice Home Warranty is the best overall home warranty in Olivette. Choice has been in the home warranty industry for around 15 years. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
For more information on this provider, read our review of Choice Home Warranty. To receive 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
Select Home Warranty is the most cost-effective home warranty in Olivette. Select has been in the home warranty industry for around 11 years. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For more information on this provider, read our review of Select Home Warranty. To receive 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
American Home Shield is the most customizable home warranty in Olivette. AHS has been in the home warranty industry for around 26 years. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also 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. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
For more information on this provider, read our review of American Home Shield. To receive 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
First American Home Warranty is the best home warranty for appliance coverage in Olivette. First American has been in the home warranty industry for around 39 years. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
For more information on this provider, read our review of First American Home Warranty. To receive 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Olivette. Cinch has been in the home warranty industry for around 44 years. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also 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. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
For more information on this provider, read our review of Cinch Home Services. To receive 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
The Home Service Club is the best home warranty with the quickest service in Olivette. HSC has been in the home warranty industry for around 15 years. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also 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. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
For more information on this provider, read our review of The Home Service Club. To receive 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 | $6,288 |
| Heating | $4,192 |
| Electrical | $629 |
| Toilets | $524 |
| Washer/Dryer | $838 |
| Plumbing | $629 |
| Oven | $1,677 |
| Fridge | $629 |
A home warranty is a protection plan that helps Olivette homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed 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 buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances might not need a home warranty.
Home warranties cover many home systems and appliances. Typical covered appliances include microwaves, washers, garbage disposals, dishwashers, refrigerators, dryers, and more. Protected systems include air conditioning, plumbing, heating, and electrical. Various home warranty plans offer add-on coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Olivette should understand that most home warranty plans have a waiting period of 30 days 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, cosmetic issues, pre-existing conditions, or improperly using 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 understand key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans cover plumbing, heating, AC, electrical, and appliances. More comprehensive options may also provide protection for additional items such as roof leaks, pools, well pumps, and spas. Focus on companies with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's 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 company with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation can provide insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty companies keep networks of professionals to handle covered repairs. Wider networks increase the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Olivette to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers offer extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Since temperatures in Olivette 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 policy can help homeowners save money if one of these systems or appliances stops working 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 headache of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair problems you may have. Another good thing about having a home warranty is when you’re selling your home, some providers let you transfer your home warranty to the new owners. This can make your home more attractive to potential homebuyers and may help your home sell faster.
One main drawback of a home warranty is not everything you care about may be covered. It’s important to research the different policies and get one that covers all the appliances, systems, and add-ons you need.
Another drawback is that home warranties may not include some repairs, such as those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty policy costs, on average, around $300 to $600 a year in Olivette. Our high-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. Additionally, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues with 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 the entire home from natural disasters, which can be a concern in Olivette. It doesn't cover a normal appliance or system breakage.
First-time homebuyers, landlords, real estate agents, homeowners, and home sellers are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan can 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 a good idea if you want to save some money.
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 homeowner pays for the home warranty. In some cases, though, the home seller may buy 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. Since the average home value in Olivette is $446,971, a home warranty can save you some money when buying a home.
