Written By David Cusick
Last Updated April 2024
Homeownership in Warrensburg has many positives, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a huge expense. A home warranty can offer you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the right warranty for your home can be challenging, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Warrensburg. Read on for our recommendations.
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 Warrensburg, Liberty Home Guard is the most trustworthy home warranty. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our full review of Liberty Home Guard.
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 Warrensburg, Choice Home Warranty is the best overall home warranty. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our full review of Choice Home Warranty.
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 Warrensburg, Select Home Warranty is the most cost-effective home warranty. With a home warranty from Select, you can enjoy 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 home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our full review of Select Home Warranty.
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 Warrensburg, American Home Shield is the most customizable home warranty. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our full review of American Home Shield.
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 Warrensburg, First American Home Warranty is the best home warranty for appliance coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our full review of First American Home Warranty.
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 Warrensburg, Cinch Home Services is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our full review of Cinch Home Services.
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 Warrensburg, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our full review of The Home Service Club.
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 | $5,717 |
Heating | $3,811 |
Electrical | $572 |
Toilets | $476 |
Washer/Dryer | $762 |
Plumbing | $572 |
Oven | $1,525 |
Fridge | $572 |
A home warranty is a protection policy that helps Warrensburg homeowners reduce 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 arranges a contractor to make the fix 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 policy gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems 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 your home systems and appliances. Common covered appliances include washers, refrigerators, garbage disposals, dryers, dishwashers, microwaves, and more. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranties offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. It's important for Warrensburg homeowners to know that most home warranty policies have a 30-day period you must wait before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement is covered by the policy.
There are several home warranty terms to know before signing an agreement, including:
There are several key considerations when selecting a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover plumbing, electrical, heating, AC, and appliances. More comprehensive plans also offer coverage on other items such as pools, spas, roof leaks, and well pumps. Look for companies with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per claim you submit. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation can give you insight into things such as contractor quality, repair timeliness, approval rates, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty companies have networks of technicians to handle covered repairs. Larger networks raise the likelihood of getting qualified technicians to service your home ASAP. Ask potential providers how many contractors they have in Warrensburg to get a sense of how soon your repairs could happen in an emergency.
Certain home warranty providers offer perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These offer extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Temperatures in Warrensburg can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Warrensburg, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Additionally, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some drawbacks. Although it can give you less to worry about since the home warranty sends out a repair person who does the repair for you, some may not like this, and they would rather choose their own contractor. If that’s the case for you, some home warranty companies allow you to choose a contractor.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Warrensburg. Our top-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 less expensive to pay annually rather than monthly.
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 insurance that protects your entire home from natural disasters, which might not be too much of a concern in Warrensburg. It doesn't cover a normal appliance or system repairs.
A home warranty policy can help homebuyers, home sellers, investors, homeowners, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Warrensburg include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your home systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Warrensburg, where the median value of a home is $254,700, having the seller pay for the home warranty can be a good asset for your new home.