If you are looking for home warranty companies in Missouri, you have come to the right place. ReviewHomeWarranties.com collected information on the best home warranty companies available to Missouri residents. Please read our comprehensive reviews and compare ratings.
- Lower chance of claim denial
- Choose your own service fee!
- 24/7 service calls
- Delays in repairs reported
- Unexpected fees reported
- Limited coverage
- Not available in all states
Who needs a home warranty in Missouri?
There are more than six million people living in Missouri, making it the 18th most populated state in the country, and almost 67% of state residents are homeowners. Since you reading this text, you are very likely one of them, and looking for a Missouri home warranty, correct?
Whether you are a home buyer who is looking for a home warranty for your new house or a seasoned homeowner who is looking for more extensive coverage for your home systems and appliances, we will help you find the right Missouri home warranty company that will cover all the household items on your list.
In case you decided to sell your house, don’t rush to cancel your home warranty just yet. Many retail agents say that houses in Missouri that have home warranty coverage sell faster, and for a better price. Besides, most home warranty plans can be transferred to a new owner for a small fee.
Home buyers are less likely to negotiate the price if they know that home systems and appliances are covered under a home warranty.
Incidentally, house prices in Kansas City, St. Louis, and Springfield are considered the lowest in the Midwest and in the country. In 2017, they were about $107 per square foot.
What do you need to consider when choosing home warranty companies in Missouri?
There are several factors that you need to consider when buying a Missouri home warranty. One of them is the location of the house and climate conditions.
All Missouri residents know how harsh their climate can be. High humidity makes cold winters feel even colder and hot summers feel hotter. The mean temperature in Missouri is 55.25 °F, with -32.3°F in winter and 75.4°F in summer.
What does it mean to you as a homeowner? It means that you should always keep your heating and air conditioning systems in good working condition. This is the main reason why thrifty homeowners always have them covered under a home warranty.
One of the best home warranty companies in Missouri that provides coverage for these systems is Total Home Protection. Their Platinum plan covers up to two units of air conditioning and heating systems per house.
About 65% of Missouri residents use gas heating systems, and in 20% of the houses, it is electric. Total Home Protection covers any heating systems that work on gas, oil or electricity, providing they are the primary source of heating in the house, designed for residential use only and do not exceed a 5-ton capacity.
Another Missouri home warranty company, First American Home Warranty, is also a great option for heating system coverage. This system is included in any of the company's plans and has a coverage cap up to $3,000 per contract term, which is one of the highest caps in the industry.
Do you use a water softener?
Other factors that can influence the normal operation of home systems and appliances is water hardness. In Missouri, water hardness is very high (180 mg/L), which is one of the highest Indexes in the country. Hard water may have a negative influence on the operation of water-connected home appliances.
Some home warranty companies in Missouri, such as Select Home Warranty, for example, offer appliance plans that cover washer and dryer, refrigerator, oven, dishwasher, microwave, and garbage disposal.
How often do you lose power?
Power grid reliability (PGR) may also play a role in appliance operation as well as in overall electrical system functioning. In Missouri, PGR is rated 38th out of all 50 states. The research included frequency and length of power outages.
Please note that in case your appliance stopped operating as a result of a power outage, many home warranty companies will not cover its repair or replacement.
How old is your house?
Another factor that needs to be considered when purchasing a home warranty in Missouri is the age of the house.
Many houses in the Show Me State are pretty old, 40 years and older. The median year when the houses were built in this state is 1975. If you live in an old house, the best decision would be to purchase a good comprehensive plan with one of the home warranty companies in Missouri.
Out of all companies that provide comprehensive home warranty plans, Choice Home Warranty is considered one of the best on the market. Their premier plan includes all major home systems and appliances.
Is Home Warranty Worth It?
In case you are not sure whether you need a home warranty at all, we have created a Home Maintenance Calculator. By entering the age of your house and the number of expected repairs per year, you will find out how much the maintenance may cost you versus the price of an average home warranty plan. We hope that this comparison will help you make the right decision.
Conclusion and final words about Missouri home warranty
There are various reasons why people buy a home warranty. The main reason is to save money on household repairs and replacements, especially for old houses.
As you know, there are plenty of older houses in Missouri, and many of them need frequent repairs. A good comprehensive home warranty plan may save you a decent amount of money compared to the home maintenance expenses that you have. Our Home Maintenance Calculator will help you make this comparison.
As soon as you decide to purchase a home warranty, there are multiple factors to consider. These include climate, water hardness in your area, power grid reliability, the age of your house, and more.
Once you take these things into consideration, we can help you make an educated decision on which company and which plan to choose. We reviewed multiple home warranty companies in Missouri and selected the best ones for you.