Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you thinking about getting a home warranty? Go with one of our top home warranty companies. Homeownership in Raymore has quite a few positives, but it also comes with worries and concerns. Your home's appliances and systems will inevitably need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty can give you the peace of mind you need about your home and safeguard your bank account from large expenses by covering your home's major systems and appliances. Finding the right home warranty plan for your Raymore home can be hard, so our team at Today's Homeowner did the research to help you find the best plan that will work for your home. Keep reading for our home warranty recommendations.
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 Raymore. Choice has more than 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. 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 has 2 simple plans, making the selection process quick and easy.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Raymore area.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 Raymore. Select has been in business for more than 11 years, making it a well-respected company in the industry. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it 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. 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.
Read our review of Select Home Warranty to learn more. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 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 Raymore, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Raymore area.
For more information on this provider, read our American Home Shield Review. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Raymore, The Home Service Club is the best home warranty with the quickest service. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.
For a more detailed breakdown, read 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
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Raymore. Liberty has 3 simple plans, making the selection process quick and easy. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Raymore homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered system or appliance.
Read our full review of Liberty Home Guard to learn more. 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
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 for Raymore residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a policy 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. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
Read our review of First American Home Warranty to learn more. 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Raymore residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Raymore homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home 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 | $6,284 |
| Heating | $4,189 |
| Electrical | $628 |
| Toilets | $524 |
| Washer/Dryer | $838 |
| Plumbing | $628 |
| Oven | $1,676 |
| Fridge | $628 |
A home warranty is a service contract that brings down the cost of repairs when one of your home systems or appliances has a problem. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
Filing a claim with your home warranty company is straightforward. You can use an online portal or a direct phone number to request service for a repair or replacement.
Once you submit the claim, it will be assigned to a local technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees generally range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover systems and appliances that have broken down from normal wear and tear. For instance, if your washing machine suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances that are usually covered under a home warranty include a clothes dryer, clothes washer, garbage disposal, dishwasher, refrigerator, microwave, and more. The systems included are plumbing, electrical systems, ductwork, and air conditioning.
You can also optionally choose to pay a bit extra for add-on coverage for items such as septic systems, spas, roof warranty, and swimming pools.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and follow preventative maintenance guidelines, your home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, lack of maintenance, cosmetic damages, and misuse.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Raymore hitting an average high of 65℃F, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system stop working.
Plus, though home warranty companies vary, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, coverage varies by provider, so it's important to review what each policy covers and doesn't include in the contract.
Another thing to consider is that some providers don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about this if you aren't sure or if this is an issue for you.
After reviewing the basics of home warranties in Raymore, your next step is to determine which company you're interested in getting a free quote from. Before deciding which home warranty to purchase, here are a few other factors to consider:
The best overall home warranty company in Raymore is Choice Home Warranty, but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
A home warranty is a contract that covers repairing and replacing major home systems and appliances.
A home warranty plan helps protect against the normal wear and tear of home systems and appliances. Homeowners insurance protects your entire home in case of something like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new dryer or stove, unless the damage is a result of a natural disaster, which are somewhat common in Raymore.
Homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
A home warranty can cost on average about $300 to $800 a year in Raymore. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few providers may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.
