Best 7 Home Warranty Companies in Oakville, MO

Are Home Warranties Worth It for Oakville Residents?

Home warranties are worth it for Oakville residents. Summers in Oakville can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time from heavy use.

Winters in Oakville can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation. Oakville's regular rain showers can also affect your roof.

Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, a home warranty connects 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 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 when determining the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. Additionally, you'll pay a service call fee of approximately $65–$125 whenever you file a claim. Basic home warranty plans are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know your specific needs before purchasing a plan.

Coverage

You can often find home warranty plans that cover specific appliances and systems. Decide whether you need coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. Here 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 appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

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

Contractor Network

Take into account a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.