Best 7 Home Warranty Companies in Jefferson City, MO
- Fact Checked
- Updated 2024-06-22 00:00:00
Regardless of where you live, keeping your household systems and appliances up and running is an important part of home upkeep. Hot and humid Missouri summers make air conditioning a must, and going any amount of time without it can be unpleasant.
Having a home warranty that covers repairs and replacements can give you a lot of peace of mind when issues like a broken air conditioner arise. Keep reading to discover the top home warranty providers in Jefferson City, Missouri, and learn how they can protect your home and budget.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
7 Best Home Warranty Companies in Jefferson City
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Jefferson City
- Average Max Temperature:65°F
- Average Min Temperature:46°F
- Average Annual Snowfall:11.5”
- Homeownership Rate:69.5%
- Median Home Size:2,027 sqft
- Median Home Price:$287,128
Are Home Warranties Worth It for Jefferson City Residents?
Home warranties are valuable for Jefferson City residents. Summers in Jefferson City can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.
Jefferson City has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. A home warranty plan is comparatively cheaper, only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.
The regular rain in Jefferson City can cause damage to your home's roof. Some home warranty policies include limited roof-leak coverage, which can ease the financial burden of roof repair.
Finally, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider 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 key factors when picking the best home warranty plan for you.
Cost
We received 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $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. Comprehensive home warranty plans generally cost more than basic ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.
Coverage
Figure out which systems and appliances you use most frequently. Most home warranty providers offer custom coverage tailored to your needs. If you only want coverage for certain systems, such as your air conditioner, most companies offer systems-only plans. The same is true if you only need coverage for select appliances. 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 cover only normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Your provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Google Reviews, and Trustpilot. These reviews can give you a sense 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 valid state license.
Contractor Network
Take into account a home warranty company's service provider network. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to fulfill service requests. Select a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.
Frequently Asked Questions about Home Warranty in Jefferson City
No, home warranties are not required in Jefferson City. However, home warranties are beneficial because they help you maintain a budget to cover expensive appliance and system breakdowns. Home warranty companies also save you time by sourcing reputable technicians themselves.
A preexisting condition is a breakdown or issue experienced by a home appliance or system before your warranty coverage begins. Providers usually don't cover preexisting conditions. Try to purchase a home warranty policy while all your systems and appliances are still in working order to ensure complete protection.
The best home warranty in Jefferson City depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.
Yes, you can get a home warranty that covers home items beyond common systems and appliances. For instance, some policies may cover well pumps, sump pumps, stand-alone freezers, pools and spas, or septic systems. These are usually considered add-ons. Check with a company representative to determine what add-ons are available.
Home warranty policies usually don't cover items that are already broken. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
A home warranty policy only covers home systems and appliances that need to be repaired or replaced due to normal wear and tear. Homeowners insurance, on the other hand, protects your home in case of damage from disasters like fires, accidents, and personal losses.
The length of a home warranty plan depends on the company. Plans usually last for one year, and you can renew at the end of your contract.
More Home Warranty Resources
Sources
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