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Last Updated: February 25, 2025
There are many advantages of owning a home, but as your Ferguson home ages, you may need to update your systems and appliances. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is filled with a lot of providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Ferguson.
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 Ferguson, Liberty Home Guard offers the most trustworthy home warranty. Liberty has 3 simple plans, making the selection process quick and easy. 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.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Ferguson area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read our detailed 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 Ferguson, Choice Home Warranty offers the best overall home warranty. Choice has 2 simple plans, making the selection process quick and easy. 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Ferguson area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read 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 Ferguson, Select Home Warranty offers the most cost-effective home warranty. Select has 3 simple plans, making the selection process quick and easy. 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.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Ferguson area.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read our detailed 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 Ferguson, American Home Shield offers the most customizable home warranty. AHS has 3 simple plans, making the selection process quick and easy. 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Ferguson area.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our detailed 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 Ferguson, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 simple plans, making the selection process quick and easy. First American offers very affordable and comprehensive appliance coverage. Plus, 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Ferguson area.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information on this provider, read our detailed 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 Ferguson, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process quick and easy. 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Ferguson area.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read our detailed 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 Ferguson, The Home Service Club offers the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. 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.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Ferguson area.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our detailed 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 | $6,242 |
| Heating | $4,161 |
| Electrical | $624 |
| Toilets | $520 |
| Washer/Dryer | $832 |
| Plumbing | $624 |
| Oven | $1,665 |
| Fridge | $624 |
A home warranty is a protection plan that helps Ferguson homeowners cut the high costs of household repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with working appliances probably don’t require a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances are microwaves, washers, dryers, dishwashers, refrigerators, garbage disposals, and more. Protected systems include air conditioning, heating, plumbing, and electrical. Many home warranty plans offer additional coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Ferguson homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Before agreeing to a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty policies vary widely in what they include. Most plans provide protection for AC, electrical, plumbing, heating, and appliances. More inclusive options also offer protection for other items such as roof leaks, well pumps, spas, and pools. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and feedback indicate a provider known for great service.
Home warranty providers use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to learn the number of repair technicians they have in Ferguson and get an idea of how fast your repairs could be handled in an emergency. Larger networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty companies offer extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses can offer extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranty policies are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Ferguson hitting an average high of 56℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system break down.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty policy 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 company you purchased your home warranty through.
As for the downsides of home warranties, system and appliance coverage varies by provider, so it’s important to read what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover damage from normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Ferguson. 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 choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which might not be too much of a concern in Ferguson. It doesn't cover a normal appliance or system breakage.
A home warranty can help homebuyers, real estate agents, home sellers, homeowners, and investors. It can offer peace of mind and savings to anyone involved with homeownership.
The different kinds of home warranties in Ferguson include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your home systems and appliances, such as your refrigerator, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the plan.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is responsible for paying 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 transferred to the new homeowner, who has to pay the service fees when using the policy. In Ferguson, where the median value of a home is $293,477, having the seller pay for the home warranty can save you some money on your new home.
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