Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
There are many advantages of owning a home, but as your Ferguson home gets older, you may find yourself needing to update or repair your systems and appliances. A home warranty can give you the peace of mind you need and safeguard your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to decide between. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Ferguson for you.
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 is the most trustworthy home warranty. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our Liberty Home Guard full 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
In Ferguson, Choice Home Warranty is the best overall home warranty. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. 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. Read more by visiting our Choice Home Warranty full 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
In Ferguson, Select Home Warranty is the most cost-effective home warranty. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our Select Home Warranty full 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
In Ferguson, American Home Shield is the most customizable home warranty. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can benefit from 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 plans that AHS offers to homeowners are 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 be sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield full 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
In Ferguson, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from First American, you can benefit from 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our First American Home Warranty full 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
In Ferguson, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Cinch, you can benefit from 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. 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
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 is the best home warranty with the quickest service. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from HSC, you can benefit from 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full 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 | $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 assists Ferguson homeowners lower the expenses of appliance and system repairs. The plans offer coverage to fix or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix 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 older houses or those with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include dryers, washers, microwaves, garbage disposals, dishwashers, refrigerators, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. It's important for Ferguson homeowners to know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or improper use of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
There are multiple home warranty terms to learn before signing an agreement, including:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans cover electrical, AC, plumbing, heating, and appliances. More robust coverage options also offer coverage on other items such as well pumps, pools, spas, and roof leaks. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a provider with more affordable fees to maximize savings. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Ferguson and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the chances of getting qualified contractors to swiftly service your home.
Home warranty providers might include perks such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond basic repair coverage. Additional perks can maximize the usefulness of the home warranty.
Home warranty plans are an inexpensive 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, such as your A.C., get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system stop working.
On top of saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted contractors who can handle any repair issues you may have. 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 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.
One of the main drawbacks of a home warranty is not everything may be covered. It’s important to compare the different plans and opt for one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Ferguson. Our top-rated home warranty companies' 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 cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of a situation such as a fire or natural disaster. Under a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Ferguson.
A home warranty policy can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can provide peace of mind to anyone involved with homeownership.
The different kinds of home warranties in Ferguson include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the items listed in the policy.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the person who owns the home pays for the home warranty. In some cases, though, the person who is selling the home may purchase a home warranty policy 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 Ferguson is $293,477, a home warranty can save you some money when buying a home.
