Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
St. Helens gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty in St. Helens can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
Finding the right protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in St. Helens. Keep reading for our top provider 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 St. Helens. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also 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 with various system and appliance coverage options.
Liberty Home Guard offers 3 plans for St. Helens 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 around $3,000 per covered appliance or system.
To receive 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 Liberty Home Guard Review.
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 St. Helens. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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 with various system and appliance coverage options.
Choice Home Warranty offers 2 plans for St. Helens homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered appliance or system.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 St. Helens. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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 with various system and appliance coverage options.
Select Home Warranty offers 3 plans for St. Helens homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, 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 in St. Helens. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
American Home Shield offers 3 plans for St. Helens homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered appliance or system.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our American Home Shield Review.
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 is the best home warranty for appliance coverage in St. Helens. 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 home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
First American Home Warranty offers 2 plans for St. Helens homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered appliance or system.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our First American Home Warranty Review.
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 St. Helens. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services offers 3 plans for St. Helens 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. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.
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 St. Helens. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also 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 with various system and appliance coverage options.
The Home Service Club offers 2 plans for St. Helens homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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 | $5,921 |
| Heating | $3,947 |
| Electrical | $592 |
| Toilets | $493 |
| Washer/Dryer | $789 |
| Plumbing | $592 |
| Oven | $1,579 |
| Fridge | $592 |
A home warranty is a protection policy that assists St. Helens homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties cover many household systems and appliances. Common covered appliances are dryers, refrigerators, garbage disposals, microwaves, washers, dishwashers, and others. Protected systems include heating, electrical, plumbing, and air conditioning. Many home warranty plans offer extra coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Most home warranty plans require St. Helens homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
There are several important considerations when selecting a home warranty provider:
Home warranty policies can have major differences in covered items. Most plans cover heating, plumbing, AC, electrical, and appliances. More inclusive options also offer protection for other items such as pools, well pumps, spas, and roof leaks. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation gives insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Check review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair professionals they have in St. Helens and get an idea for how quickly your repairs might happen in an emergency situation. Bigger networks improve the probability of getting qualified contractors to quickly service your home.
Some home warranty companies include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Temperatures in St. Helens can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in St. Helens, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may come across. Plus, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
One drawback of getting a home warranty is that there are often exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it’s important to read over any contracts you’re considering carefully to understand what is included and what isn’t.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They commonly won’t cover systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty in St. Helens can cost between $30 and $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger plan that protects the entire home from natural disasters, which might not be too much of a concern in St. Helens. It doesn't cover a typical appliance or system damage.
A home warranty plan can help homebuyers, homeowners, real estate agents, investors, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in St. Helens include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the specific items listed in the plan.
Home warranty plans usually last a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Usually the homeowner pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in St. Helens is $413,575, a home warranty can be an added asset when buying a home.
