Are Home Warranties Worth It for Kansas City Residents?
Yes, home warranties are worth it for Kansas City residents. Kansas City can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Kansas City winters can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Kansas City can cause damage to your home's roof.
Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet each service provider they work with.
If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Consider these key factors when picking the best home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before purchasing a plan.
Many home warranty companies offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before committing to a plan. If you only want to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Typically, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
You should also consider a provider's reputation. You can also browse customer reviews on sites like Trustpilot, Google Reviews, and Best Company. Reviews and ratings can show how providers handle customer service and claims. Check with the Missouri Attorney General's Consumer Protection Section to verify a provider's state license.
Take into account a home warranty company's network of service providers. The provider you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas may 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.
Frequently Asked Questions About Home Warranty in Kansas City
Do I need a home warranty in Kansas City?
What are preexisting conditions?
What is the best home warranty provider in Kansas City?
Do home warranties cover other types of home items?
Why do home warranties have a waiting period before coverage begins?
How is a home warranty different from homeowners insurance?
How do I file a claim with my home warranty provider?
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