Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
The cost of maintaining a home in Rolla can be costly, especially as your home ages and your systems and appliances need to be updated. A home warranty can help protect you by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be overwhelming, as there are so many companies to decide between. That’s why our team at Today's Homeowner did the research and made a list of the best home warranty companies in Rolla 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
Liberty Home Guard offers the most trustworthy home warranty for Rolla residents. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit 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
Choice Home Warranty offers the best overall home warranty for Rolla residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit 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
Select Home Warranty offers the most cost-effective home warranty for Rolla residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit 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
American Home Shield offers the most customizable home warranty for Rolla residents. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be 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. To read more, visit 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
First American Home Warranty offers the best home warranty for appliance coverage for Rolla residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Rolla residents. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit 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
The Home Service Club offers the best home warranty with the quickest service for Rolla residents. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. 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 some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit 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 | $5,967 |
| Heating | $3,978 |
| Electrical | $597 |
| Toilets | $497 |
| Washer/Dryer | $796 |
| Plumbing | $597 |
| Oven | $1,591 |
| Fridge | $597 |
A home warranty is a protection policy that helps lower expenses for Rolla homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that stop working due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and functioning appliances may not require a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include microwaves, washers, garbage disposals, dishwashers, refrigerators, dryers, and more. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. It's important for Rolla homeowners to understand most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover AC, plumbing, heating, electrical, and appliances. More extensive plans may also include extra things 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 tailor protection 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 seek out providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles after a customer goes a period of time with no claims filed.
A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), Google Reviews, or TrustPilot to learn more about companies. Good ratings and feedback suggest a company known for quality service.
Home warranty companies maintain networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair technicians they have in Rolla and get an idea for how quickly your repairs might happen in an emergency situation. More extensive networks improve the chances of getting qualified contractors to quickly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These provide extra value beyond repair coverage. Added perks help improve your home and maximize your home warranty.
Temperatures in Rolla can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Rolla, one benefit of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
There are also some downsides to buying a home warranty plan, such as the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Rolla. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. Additionally, it's usually 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 helps protect against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which isn't that common in Rolla.
A home warranty can help investors, real estate agents, homebuyers, homeowners, and home sellers. It can provide peace of mind to anyone involved in homeownership.
The different home warranties in Rolla include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, though, the one 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. Considering that the average home value in Rolla is $201,295, a home warranty can be an added asset when buying a home.
