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Best 7 Home Warranty Companies in St. Charles, MO
- Fact Checked
- Updated 2024-06-22 00:00:00
Regardless of where you live, keeping your household systems and appliances up and running is a critical part of home upkeep. Hot and humid Missouri summers make air conditioning a must, and going several weeks without it can be unpleasant.
Having a home warranty that covers repairs and replacements can give you a lot of peace of mind when issues like a broken air conditioner arise. Keep reading to discover the best home warranty providers in St. Charles, Missouri, and learn how they can protect your home and budget.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
7 Best Home Warranty Companies in St. Charles
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about St. Charles
- Average Max Temperature:65°F
- Average Min Temperature:46°F
- Average Annual Snowfall:12.1”
- Homeownership Rate:81%
- Median Home Size:1,994 sqft
- Median Home Price:$297,068
Are Home Warranties Worth It for St. Charles Residents?
Yes, home warranties are worthwhile for St. Charles residents. St. Charles can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Winters in St. Charles can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in St. Charles can cause damage to your home's roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair.
Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet all their service providers.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when selecting your home warranty plan.
Cost
After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost approximately $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before committing to a plan.
Coverage
Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Generally, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover normal wear and tear. Most will also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider Reputation
You should also consider a provider's reputation. You can also find real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show you how providers handle customer service and claims. Check with the Missouri Attorney General's Consumer Protection Section to verify the status of a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Rural homeowners might prefer a home warranty that lets them choose their technician. You may need to source your own provider if no in-network ones are available in your area.
Frequently Asked Questions about Home Warranty in St. Charles
No, St. Charles does not require home warranties. However, we still recommend purchasing a home warranty to help you maintain a budget to cover expensive system and appliance breakdowns. Home warranty providers also help you save time by sourcing reputable technicians themselves.
Preexisting conditions are breakdowns or issues that a home system or appliance experienced before your coverage began. Many providers don't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances still work for full protection.
St. Charles' best home warranty provider depends on your specific needs. Liberty Home Guard is an excellent choice if you require unique coverage. Consider American Home Shield for comprehensive coverage limits.
Yes, home warranties cover many kinds of home items besides common appliances and systems. For example, some warranties cover well pumps, sump pumps, septic systems, stand-alone freezers, pools and spas, and more. Providers typically cover these items as add-ons. Check with your provider to see what add-ons are available.
Home warranty policies normally don't cover items that are already broken. Therefore, most home warranty providers have a waiting period of 30 days before the start of coverage to ensure system and appliance breakdowns are from normal wear and tear, not preexisting conditions.
A home warranty plan only covers home systems and appliances that need repairs or replacements due to normal wear and tear. Homeowners insurance, on the other hand, provides coverage for homes in case of damage from disasters like fires, accidents, and personal losses.
Requesting service from your home warranty provider is usually quick and easy. When one of your appliances or systems has an issue, reach out to your provider and provide information about the problem. You can typically do so on the phone or online. From there, your provider will send a contractor to your home, and you'll pay the service fee. The contractor will then figure out and solve the issue.
More Home Warranty Resources
Sources
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