Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Get the most out of your home warranty with the top home warranty companies in Forest Park. Homeownership in Forest Park has quite a few benefits, but it also comes with its challenges. Your home's appliances and systems will inevitably need repair, and this could mean a huge expense hitting your bank account suddenly.
A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and allow you to live in your home with more peace of mind. Finding the right home protection plan for your Forest Park 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 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 offers the best overall home warranty for Forest Park residents. Choice has been in business for more than 15 years, making it a well-regarded company in the industry. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our detailed 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 Forest Park, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of industry experience and in that time has built a an network of service professionals nationwide. The 3 plans from Select are comprehensive and offer both system and appliance 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Forest Park area.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our Select Home Warranty Review.
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 for Forest Park residents. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has 3 simple plans, making the selection process easy. 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Forest Park, The Home Service Club offers the best home warranty with the quickest service. 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 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage.
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 caps come out to about $2,000 for each covered appliance or system.
For more information on this provider, read our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 Forest Park. With a home warranty from Liberty, you can benefit from 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 3 plans from Liberty are easy to understand and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for Forest Park homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
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
In Forest Park, First American Home Warranty offers the best home warranty for appliance 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. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered appliance or system.
For a more detailed breakdown, read our First American Home Warranty Review. 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 in Forest Park. Cinch has been on the market for around 44 years, making it a respected company in the industry. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. 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 Home Services offers 3 plans for Forest Park homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most of the 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 give them a call at 877-589-0505. Read more by visiting our Cinch Home Services full review.
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 | $6,070 |
| Heating | $4,047 |
| Electrical | $607 |
| Toilets | $506 |
| Washer/Dryer | $809 |
| Plumbing | $607 |
| Oven | $1,619 |
| Fridge | $607 |
A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Forest Park home comfortable and convenient. When they start to break down, it can be expensive and a headache. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty in Forest Park provides coverage for the main appliances and systems in your house. Common appliances covered under a home warranty include a refrigerator, washer, microwave, dishwasher, dryer, garbage disposal, and more. The systems that are usually covered will be plumbing, electrical systems, heating, and air conditioning.
The add-on coverage options can include septic system, pool, roof leak, spa, and sometimes even things like locksmith or pest control.
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 appliances or systems and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, pre-existing conditions, misuse, and lack of maintenance.
Forest Park's relatively mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Another added benefit of having home warranty coverage is that it can raise your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One of the major drawbacks of home warranties is not every home system and appliance may be covered. It's important to research the different policies and select one that covers all the appliances, systems, and add-ons you need.
Also, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
When you're ready to get a home warranty plan, the first step is deciding what appliances and systems you want coverage for. After that, you can compare plans and call different home warranty companies for a free quote. Policies can vary, so consider the following factors when choosing a home warranty company:
The top home warranty provider in Forest Park is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a tremendous reputation in the Forest Park area.
A home warranty is a contract that covers the repairs and replacements of major home system components and appliances.
A home warranty plan will cover either your home's appliances and systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance only plan can be useful too if you're concerned about one more than the other.
The kind of home warranty you need depends on what is important to you. A cheaper plan may have higher service fees and deductibles, whereas a higher-priced plan may provide more coverage and have lower service fees. If you have a home that has appliances and systems on the older end, you may want to consider a policy with more coverage. The company's reputation and available plans are the main two things to look for when choosing a home warranty provider.
Typically the person who owns the home is responsible for paying for the home warranty. In the case of selling a home, however, the one selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Forest Park is $127,765, a home warranty can help you avoid further costs when buying a home.
A service fee is an expense that a homeowner pays before a service technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty apart from the policy's premium unless the expense is greater than the coverage cap.
Home warranties usually don't cover problems that result because of intentional breaking of an appliance, lack of proper maintenance, natural disasters, or pre-existing conditions. The policy only covers damage from normal wear and tear. Although it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a town like Forest Park.
