Are Home Warranties Worth It for Lee's Summit Residents?
Yes, home warranties are worth it for Lee's Summit residents. Lee's Summit 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 Lee's Summit 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, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Lee's Summit's regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Finally, 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. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the right home warranty plan for your needs.
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $53–$62 per month. There are also service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. A basic home warranty is generally more affordable than a comprehensive one. 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 specific needs before purchasing a plan.
You can look for a home warranty plan that covers specific systems and appliances. Determine whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, routine maintenance, theft, or defects. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's specific terms and conditions.
Provider reputation is another important factor to consider. You can find customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can give you 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.
Consider a home warranty company's network of service providers. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, and customers might need to source their own.
Frequently Asked Questions About Home Warranty in Lee's Summit
Do I need a home warranty in Lee's Summit?
What are preexisting conditions?
What is the best home warranty provider in Lee's Summit?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How do I file a claim with my home warranty provider?
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