Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
As much as you may enjoy homeownership in Chesterfield, there's always that fear about whether your appliances and systems are going to need repairs over the next few years. A home warranty in Chesterfield can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the right warranty for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Chesterfield. Keep reading for our home warranty 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
Liberty Home Guard is the most trustworthy home warranty in Chesterfield. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Chesterfield area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our comprehensive 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
Choice Home Warranty is the best overall home warranty in Chesterfield. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, 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 easy.
The 2 plans from Choice Home Warranty 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 Chesterfield area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our comprehensive 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
Select Home Warranty is the most cost-effective home warranty in Chesterfield. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Chesterfield area.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our comprehensive 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
American Home Shield is the most customizable home warranty in Chesterfield. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Chesterfield area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our comprehensive review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Chesterfield. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Chesterfield area.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our comprehensive 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
The Home Service Club is the best home warranty with the quickest service in Chesterfield. 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. HSC has 2 simple plans, making the selection process easy.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Chesterfield area.
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 comprehensive 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 | $6,341 |
| Heating | $4,227 |
| Electrical | $634 |
| Toilets | $528 |
| Washer/Dryer | $845 |
| Plumbing | $634 |
| Oven | $1,691 |
| Fridge | $634 |
A home warranty is a protection policy that assists Chesterfield homeowners reduce the expenses of appliance and system repairs. The plans provide financial coverage to fix or replace appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include refrigerators, garbage disposals, dishwashers, dryers, washers, microwaves, and others. Covered systems include plumbing, heating, air conditioning, and electrical. Many home warranty companies also offer additional coverage for roof leaks, locksmiths, central vacuums, and septic systems. Chesterfield homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are several home warranty terms to understand before signing an agreement, including:
There are several important factors to consider when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically provide protection for heating, AC, electrical, plumbing, and appliances, while more comprehensive plans may also cover spas, roof leaks, well pumps, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. These per-claim charges can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Positive reviews and ratings suggest a company known for delivering quality service.
Home warranty businesses keep networks of local technicians to handle repairs in your area. Reach out to potential providers to learn how many repair technicians they have in Chesterfield and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks increase the chances of getting qualified contractors to quickly service your home.
Home warranty providers might include bonuses such as coverage for smart home devices, energy efficiency upgrades, and maintenance discounts. These extras add value beyond basic repair coverage. Additional perks can maximize the usefulness of your home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Chesterfield reaching an average high of 62℃F, you may find that some 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 break down.
Not only can a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
As for the downsides of home warranties, home system and appliance coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Chesterfield can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also lower 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 covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim if you need a new refrigerator or oven, unless the damage is due to a natural disaster, which is somewhat common in Chesterfield.
Homebuyers, real estate agents, homeowners, landlords, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, if you have just bought 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 Chesterfield, where the median home value is $392,186, having the seller pay for the home warranty can be a good asset for your new home.
