Find the Best Home Warranty in Kansas City

How to choose a home warranty in Kansas City

A home warranty can be a good idea for anyone, especially those purchasing an older home in Kansas City, such as Midtown or Westport. In fact, many sellers include warranties in the purchase agreement. Homes with warranties sell for $2,300 more than those without. If you are renting your home, a home warranty can help you receive fast and simple maintenance at a fixed cost.

Home warranty cost in Kansas City

The average home warranty in Kansas City costs between $300 and $600 a year. Because maintaining a home is expensive (it costs on average $3,000 a year to maintain a $300,000 home), a home warranty can help offset those costs by covering plumbing, electrical, heating and cooling systems and major appliances in the case of a breakdown.

The warranty, depending on the plan, will pay for the repairs and charge a small service fee, typically less than $100. Some plans include deductibles up to $150 for large repairs.

To know exactly what costs you will face with your warranty, read your contract carefully. Here are a few things to look for:

• Coverage: Which appliances are covered?
• Co-payment fees: In what cases do you have to pay a fee?
• Plan limits: When does your coverage reach a cap?
• Agent/broker legitimacy: Is this agent reliable?

Appliance repair costs

Here’s a look at the average life expectancy of common home appliances and their average repair costs:

When needing a repair or replacement covered by a home warranty, a homeowner would call the home warranty company itself. The company then hires one of its service providers in the area to fix the problem. The warranty, depending on the plan, will pay for the repairs and charge a small service fee, typically less than $100. Some plans include deductibles up to $150 for large repairs.

Home warranty scams in Kansas City

Reading carefully is the difference between paying the full cost of repair or only the deductible and service fee, so be sure you understand everything before signing a contract. Keep the details in mind. For example, your plan may cover your refrigerator, but what about the icemaker? You may also not be covered if the damage is due to personal neglect.

In addition to terms and conditions, you should also research your agent or broker thoroughly. This includes reading customer reviews to figure out common response times and customer support experiences. Your warranty is only as good as the company that provides it, so make sure you’re investing wisely. A good home warranty can pay for itself in just a few repairs. A bad one could double your costs.