Best 7 Home Warranty Companies in St. Peters, MO

Are Home Warranties Worth It for St. Peters Residents?

Home warranties are worth it for St. Peters residents. St. Peters summers can get hot, which makes it important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

St. Peters 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 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 nationwide. The regular rain in St. Peters can damage your home's roof.

The financial burden of this will be lessened if you have a home warranty with roof-leak coverage. 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.

If you don't have time to do the research yourself, your home warranty company can give you peace of mind that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when determining the right home warranty plan for you.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. You can often get add-on coverage for an additional monthly cost. Be sure you know what you need before choosing a plan.

Coverage

You can look for a home warranty plan that covers specific appliances and systems. 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. 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

Typically, home warranties only cover normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, appliance components or cosmetic issues, routine maintenance, defects, or theft are also not covered. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand your plan's terms and conditions.

Provider Reputation

Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. 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 that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions the names of familiar service contractors. Residents of rural areas might consider choosing a home warranty provider that lets customers pick their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.