Are Home Warranties Worth It for Kansas City Residents?
Home warranties are worth it for Kansas City residents. Summers in Kansas City can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.
Kansas City has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.
The regular rain in Kansas City can damage your roof. Some home warranty providers offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with reliable service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
These important factors can help you choose the best home warranty plan for your needs.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.
Coverage
Figure out which appliances and systems you use most often. 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 those who only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. Here 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
Most home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Additionally, home warranties don't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your protection plan's specific terms and conditions.
Provider Reputation
Look into a provider's reputation before choosing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading these reviews gives you an idea of how providers handle claims and customer service. Check with the Kansas Attorney General to verify that a provider holds a license with the state.
Contractor Network
Take into account a home warranty company's network of service providers. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions About Home Warranty in Kansas City
Is a home warranty required in Kansas City?
What are preexisting conditions?
What is Kansas City's best home warranty provider?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How can I maximize the value of my home warranty?
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