Best 7 Home Warranty Companies in Jefferson City, MO

Are Home Warranties Worth It for Jefferson City Residents?

Home warranties are worth it for Jefferson City residents. Jefferson City summers can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.

Winters in Jefferson City can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.

The regular rain in Jefferson City can damage your home's roof. Some home warranty policies include 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. If you don't have time to do the research yourself, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you select the best home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Think about which systems and appliances you use often and want covered. If you only want coverage for select systems or appliances (such as your air conditioning), you can often find plans to fit. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

Commonly covered appliances include the following:

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Also, consider a provider's coverage limits. Our research indicates that higher coverage limits tend to be associated with higher premiums. However, providers that have higher coverage limits may still be the best option for homeowners with older appliances or systems.

Exclusions

Usually, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, defects, or theft aren't covered either. You can find your provider's exclusions and limitations in your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

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

Contractor Network

Consider a home warranty company's service provider network. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.