Best 7 Home Warranty Companies in Independence, MO

Are Home Warranties Worth It for Independence Residents?

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

Independence 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 received from home warranty companies nationwide. The regular rain in Independence can damage your roof.

The financial burden of this will be lessened if your home warranty has roof-leak coverage. 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 choosing your home warranty plan.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.

Coverage

Figure out which systems and appliances you use most frequently. Most home warranties offer customizable coverage tailored to your needs. If you only need coverage for certain systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for certain 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 improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, defects, or routine maintenance. Providers will outline limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

Provider reputation is another important factor to consider. You can browse real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company 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 that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's service provider network. Make sure you ask your company where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas may opt for a home warranty that allows them to choose their technician. You'll want to be able to source your own provider if no in-network ones are available in your area.