Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Owning a home can have lots of benefits, but it can also come with some negatives like maintenance. The older your house’s appliances and systems are, the more you may want to consider getting a home warranty. A home warranty in Parkville can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Parkville.
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 Parkville. The 3 policies that Liberty offers include options for appliance and system 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 mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage limits come out to about $3,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Liberty Home Guard. 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
Choice Home Warranty offers the best overall home warranty in Parkville. The 2 policies that Choice offers include options for appliance and system 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 mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Choice Home Warranty. 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
Select Home Warranty offers the most cost-effective home warranty in Parkville. The 3 policies that Select offers include options for appliance and system 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 mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage limits come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Select Home Warranty. 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
American Home Shield offers the most customizable home warranty in Parkville. The 3 policies that AHS offers include options for appliance and system 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 mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 per covered appliance or system.
For a more detailed breakdown, read our full review of American Home Shield. 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
First American Home Warranty offers the best home warranty for appliance coverage in Parkville. The 2 policies that First American offers include options for appliance and system 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 mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage limits come out to about $1,500 per covered appliance or system.
For a more detailed breakdown, read our full review of First American Home Warranty. 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
Cinch Home Services offers the home warranty with the best workmanship guarantee in Parkville. The 3 policies that Cinch offers include options for appliance and system 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 mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of Cinch Home Services. 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
The Home Service Club offers the best home warranty with the quickest service in Parkville. The 2 policies that HSC offers include options for appliance and system 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 mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our full review of The Home Service Club. 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 | $6,181 |
| Heating | $4,121 |
| Electrical | $618 |
| Toilets | $515 |
| Washer/Dryer | $824 |
| Plumbing | $618 |
| Oven | $1,648 |
| Fridge | $618 |
A home warranty is a protection policy that helps Parkville homeowners cut the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that break down from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty delivers 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. More modern homes with working appliances probably don’t require a home warranty.
Home warranties cover your household systems and appliances. Covered appliances typically include dryers, garbage disposals, dishwashers, washers, refrigerators, microwaves, and more. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty providers also offer additional coverage for locksmiths, central vacuums, septic systems, and roof leaks. Most home warranty plans require Parkville homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty words to know before signing a contract:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans provide coverage for AC, plumbing, electrical, heating, and appliances. More comprehensive plans also include protection for other items such as spas, roof leaks, well pumps, and pools. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Reach out to potential companies to learn the number of repair professionals they have in Parkville and get an idea of how quickly your repairs could be handled in an emergency. Larger networks raise the chance of getting qualified contractors to swiftly service your home.
Some home warranty providers offer bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of the home warranty.
Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Parkville reaching an average high of 64℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can remarkably lower out-of-pocket costs should your HVAC system stop working.
Not to mention, having a home warranty can save you time by eliminating the need to research service technicians — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Additionally, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been benefiting from.
There are also some negatives to getting a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Parkville can cost between $30 and $60 a month. Higher-priced plans tend to have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Parkville.
A home warranty can help real estate agents, home sellers, investors, homebuyers, and homeowners. It can offer peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Parkville include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your refrigerator, washing machine, and HVAC. A plan that only covers appliances or systems will cover only the items listed in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually the one who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy 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 Parkville is $581,721, a home warranty can save you some money when buying a home.
