Best 7 Home Warranty Companies in Wentzville, MO

Are Home Warranties Worth It for Wentzville Residents?

Home warranties are worth it for Wentzville residents. Wentzville can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system can malfunction over time from heavy use.

Wentzville has relatively mild winters, but there are still days you'll need your heating. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we received from home warranty companies nationwide.

Wentzville's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, home warranties connect you with trustworthy service providers.

When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when selecting your home warranty plan.

Cost

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. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.

Coverage

Many home warranty companies offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before selecting a plan. If you only want to cover certain major systems (such as air conditioning) or certain appliances, you can find a plan that meets your needs. The following 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 damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. You can find your provider's limitations and exclusions within your service contract. Be sure to read the contract carefully to understand your plan's terms and conditions.

Provider Reputation

Look into a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. In addition, read customer reviews on sites like Best Company, Trustpilot, and Google Reviews. These reviews can give you an idea of how providers handle claims and customer service. Check with the Missouri Attorney General's Consumer Protection Section to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. Select a provider that mentions contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.