Best 7 Home Warranty Companies in Florissant, MO

Are Home Warranties Worth It for Florissant Residents?

Yes, home warranties are worth it for Florissant residents. Summers in Florissant 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.

Florissant winters can be fairly mild, but there are still times when you want to have a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. The regular rain in Florissant can damage your home's roof.

Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians.

When life keeps you busy, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors to determine the best home warranty for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before committing to a plan.

Coverage

Figure out which systems and appliances you use most often. You want your home warranty plan to cover these items. Most plans can be tailored to your needs, and many providers offer systems-only plans for homeowners that only need select coverage (such as for air conditioning). You can also find plans that cover only 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

Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Your provider will outline its exclusions and limitations in its service contract. Thoroughly read your contract to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see how providers handle customer service and claims. Check with the Missouri Attorney General's Consumer Protection Section to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's network of service providers. Ask where and how it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Residents of rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, and customers may need to source their own.