Are Home Warranties Worth It for St. Louis Residents?
Home warranties are worth it for St. Louis residents. Summers in St. Louis can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.
St. Louis has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.
St. Louis' regular rain showers can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair. Finally, home warranties connect you with trustworthy service providers.
Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures you have access to trustworthy technicians.
What To Consider Before Choosing a Home Warranty Company
Consider these important factors when picking the best home warranty plan for you.
We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost roughly $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 are more affordable than comprehensive ones. Appliance plans are typically less expensive than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.
You can often find home warranty plans that cover specific appliances and systems. Determine whether you need coverage for major systems (like air conditioning), specific appliances, or for both. Then ask your provider about its options for customized coverage. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Generally, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, defects, routine maintenance, or theft aren't covered either. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.
Look into a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reading these reviews gives you an idea of how companies handle claims and customer service. 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. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty that lets them select their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.
Frequently Asked Questions About Home Warranty in St. Louis
Is a home warranty required in St. Louis?
What are preexisting conditions?
What is St. Louis' best home warranty provider?
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 long does a home warranty typically last?
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