Best 7 Home Warranty Companies in Cape Girardeau, MO

Are Home Warranties Worth It for Cape Girardeau Residents?

Home warranties are worth it for Cape Girardeau residents. Cape Girardeau can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system can malfunction over time from heavy use.

Cape Girardeau has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we received from home warranty companies across the nation.

Cape Girardeau's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, your home warranty will connect you with service providers you can trust.

A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when determining the right home warranty plan for you.

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. Additionally, you'll pay a service call fee each time you file a claim. Service call fees typically range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. You can often get add-on coverage for an additional monthly cost. Be sure you know your specific needs before choosing a plan.

Coverage

Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which systems and appliances you use most often before choosing a plan. If you only need to cover certain major systems (like air conditioning) or certain appliances, you can find a plan that meets your needs. 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

Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, routine maintenance, theft, or defects. Providers outline exclusions and limitations with their service contracts. We recommend reading it to understand your protection plan's exact terms and conditions.

Provider Reputation

Provider reputation is another important factor to consider. You can browse customer reviews on sites like Trustpilot, Best Company, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can give you insight into how a company handles claims and customer service. Check with the Missouri Attorney General's Consumer Protection Section to verify a provider's state license.

Contractor Network

Take into account a home warranty company's network of service providers. Ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.