Missouri homeowners have lots of great benefits. Living in Missouri means that you will have four distinct season, affordable housing, low cost of living, and even a strong job market. However, as great as Missouri homeownership can be, there are still issues with home systems and appliances that will come up. 

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home Missouri home warranty companies in 2021
  • And much more!
Editor's Choice
97.0

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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
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Some of the Missouri winter temperatures are the coldest in the country. If your home heating system is not functioning the way it should, you can experience severe issues throughout your home. Heating systems are expensive to repair and replace, but a home warranty can help.  

If you are looking for the best home warranty companies in Missouri, we have all the information that you will need.

Best Home Warranty Companies in Missouri

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 7 Best Home Warranty Companies in Missouri:

Compare Missouri Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Missouri Home Warranty Costs 

One of the key factors that Missouri homeowners need to pay attention to is the cost of the home warranty they are purchasing. Missouri home warranties will have unique costs based on the type of home you are buying a warranty for. The monthly payments, service fees, and coverage caps are all going to impact the pricing of your Missouri home warranty. If you are looking to get a general idea of the average costs of a Missouri home warranty, we have all the information you need. At Review Home Warranties, we have done in-depth research to compile a list of data on the average cost for a home warranty. Our research included all different types of Missouri homes. 

Type

Average Annual Premium

Overall

$718.97

Single Family Home

$593.33

Multi-Family

$1,081.30

Townhome

$499.41

Condo

$605.48

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$641.17

Missouri Home Warranty Companies Reviews

There are more than 68 home warranty companies in the state of Missouri. Narrowing these companies down takes some time,e, and energy. At Review Home Warranties, we have compared plan pricing, coverage options, BBB ratings, service fee pricing, and more to come up with the top seven best home warranty companies in Missouri.

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Missouri. With the Choice Home Warranty policy, you will get more than 13 years of industry experience, excellent customer service, and a very simple plan. The Choice Home Warranty keeps the home warranty plans very simple, so Missouri homeowners always know exactly what is covered as part of their home warranty plan. 

Pros

Cons

Two comprehensive plan options

Only two policies to choose from, not much customization 

Easy to decipher contract information 

 

Reasonable service fees on all repairs 

 

Customer service representatives are knowledgeable and friendly 

 

Average monthly pricing

 

Plans and Pricing 

There are two Choice Home Warranty plans on the market. The plans cover both systems and appliances in the Missouri home. Getting a plan with a combination of coverage for a fair price is an excellent benefit of the Choice Home Warranty plan. The service fees associated with Choice Home Warranty coverage are about average. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage

The coverage from Choice Home Warranty is quite extensive. If you are looking for adequate protection of the majority of your home, Choice Home Warranty is a perfect choice. In addition, you will get very high coverage limits and add-on options for things like swimming pools and spas. Some of the most popular coverages for Missouri homeowners include . . . 

  • Plumbing system 
  • Cooktop
  • Electrical System 
  • HVAC system
  • Oven   

What Customers Are Saying: 

The company exceeded my expectations. Really easy to place a claim; everything is online and simple. Online portal with all information I need. Contract very clear and excellent coverage so far.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Missouri homeowners. When you have the ability to customize a plan, you can ensure that all of the most essential features of your Missouri home are covered. American Home Shield has been a top home warranty company for the last 50 years. In that time period, AHS has built very strong relationships with contractors and repair technicians to ensure a fast and effective fit for your appliance or system issues. 

Pros

Cons

Has been available in Missouri for more than 50 years

Considered to be a more premium or expensive policy

Homeowners can build out a custom plan

 

Customizable monthly pricing 

 

Good selection of add on coverage choices 

 

Plans & Pricing

American Home Shield has three plans to choose from; the two combo plans are the best investments. Having a combination of appliance and systems coverage allows for great peace of mind. Remember that with AHS you can also customize the payment plan to have a higher or lower service fee associated with the policy. 

Plans

Cost Per Month

Service Fee

Silver Plan

$45

$75 - $125

Gold Plan

$55

$75 - $125

Platinum Plan

$79

$75 - $125

Coverage 

The coverage from American Home Shield is comprehensive, and it has higher limits than other companies. Most items are covered with a $2500 coverage cap. American Home Shield is also known for paying out a large number of claims each year. Some of the most common covered items for Missouri homeowners include . . .

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • HVAC
  • Oven

What Customers Are Saying

If I had a problem with an appliance, AHS has been prompt to take care of the matter. If the appliance is broken beyond repair, there is no hesitation in replacing it. I am totally satisfied with AHS and will recommend them to anyone.” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Missouri. Home warranties can get pricey, and it will almost defeat the purpose of having one in place. Select Home Warranty keeps the costs down and also offers free roof leak coverage for all homeowners. The Select Home Warranty has been on the market for close to ten years and is very specific about workmanship and contractor selection. Not only is Select Home Warranty affordable, but it also offers excellent value. 

Pros 

Cons

Nine years in the home warranty industry

Some of the covered items have lower policy limits 

Free roof leak coverage

Not the best plan for homes with high-end appliances and systems

Impressive workmanship

 

Plans and Pricing

When you look at the plans from Select Home Warranty, it is easy to see that the Platinum Care plan is the best choice. It is just a few dollars more per month than the Gold or Bronze, yet it has double the coverage. There are also add-on options for those that need more than just the free roof leak coverage. 

Plans

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage: 

Select Home Warranty has actually increased coverage and coverage limits through the years. Although the policy is lower in price and tends to be slightly limited in some of the coverage areas, overall, the major systems and appliances in a home are adequately protected. Some of the most popular coverages for a Missouri home include . . .

  • Heating systems 
  • Cooktops
  • Plumbing system 
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

The service is good. They got right back to me as soon as they could and got everything taken care of. It's a lot cheaper than going through a repairman, and I'm on a fixed budget. I did have to have them come back when I had a circuit breaker problem because they didn't fix it completely, but they did come back and redo, and it's now working fine.”

 Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a highly rated company in the state of Missouri. Paying attention to what other homeowners think and believe about a plan is quite important. In less than two years in the industry, Liberty Home Guard has earned an A rating with the BBB. For speed of service, customer support, and workmanship quality, you will have a hard time finding a better option than LHG. 

Pros

Cons

BBB rating of an A

It has not been on the market all that long

Very professional customer service 

To get a very comprehensive policy, the price increases quite a bit

60 Day workmanship guarantee

 

Add on coverage list is very extensive

 

Plans and Pricing

The three Liberty Home Guard policy is similar to Select Home Warranty. You will find that the Total Home Guard is the most popular of the plans. There is only a $60 service fee for the Missouri LHG plan, and that is quite low. 

Plans

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

Liberty Home Guard provides average coverage under its Total Home Guard plan. However, if you want to have some of the most extensive coverage in the home warranty industry, you can always add from the extensive list of optional coverages. Some of the major appliances and systems covered under the Total Home Guard include . . .

  • Garbage disposal
  • Dryer 
  • Air Duct
  • Plumbing System 
  • HVAC

What Customers Are Saying: 

The electrician whom Liberty sent was informative and courteous and very respectful of my home. Did a fast and efficient job, wore a mask all the time, and cleaned the area when he was finished. I am impressed.” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Missouri. Think about your heating system breaking down on a cold Missouri day. Chances are you are going to need a quick repair, and ServicePlus is the best company for the job. ServicePlus has affordable plan choices, an easy-to-use claim submittal system, and plenty of positive customer service reviews. 

Pros 

Cons

Quick and knowledgeable service technicians

Some emergency services will come with an upcharge or higher fee 

Simple contracts 

 

Fastest service in the state of Missouri

 

An extensive network of repair technicians to get you faster service 

 

Plans and Pricing

There are two ServicePlus home warranties to choose from; each has a combination of systems and appliances as part of the plan. The Platinum Plan will have better overall coverage for your home. 

Plans

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage

As you have probably noticed, the ServicePlus pricing is a bit lower than some of the others on the market. Therefore the coverage is going to be a bit more limited. Some of the most popular covered items under the Platinum Plan include . . .

  • Dishwasher
  • Garbage disposal
  • Washer
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

I'm so happy I chose THP for our home protection needs. A few days ago, I noticed my hot water heating unit would not turn on. I checked my water heater to noticed that it was not heating up at all. I knew that we would not be able to continue to heat my home without it. I was so glad I did not have to worry about what I was going to do. I made one call to THP and told customer service everything that was going on with my water heater. I was pleasantly surprised that they immediately scheduled a contractor to come over the next day to look at my water here. He noticed there was a problem with the pilot staying lit. He was able to replace the pilot light, and it works great now. I recommend this extended warranty from THP.” Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Missouri residents that need extensive coverage for their home. With First Premier Home Warranty, you won’t have to pick and choose between which items you need coverage for; simply have them all covered. The First Premier home warranty is a new company but has already earned an A- rating with the BBB. 

Pros

Cons

BBB rating of A-

Have only been on the market a short period of time

Modern technology and systems in place 

Coverage limits are relatively low 

A newer company that is continually improving 

 

Low overall costs if you pay for the year upfront 

 

Plans & Pricing 

The First Premier Home warranty policies are comprehensive, having both system and appliance coverage. The Premier Plan even has 15 covered items, which is quite a bit more than other policies in this same price range. 

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage

When you have a hard time choosing which items in your home to cover and which to leave off your policy, the First Premier home warranty is a great choice. You can get a little bit of coverage across so many items in the home. Be aware that coverage caps or limits are a bit lower with First Premier. Some of the most popular coverages under the Platinum plan include . . . 

  • Refrigerators
  • Oven
  • Water heater
  • Stovetop 
  • Plumbing system

“First Premier service is great! They’re responsive and the technicians they send out to our home always get the job done quickly!” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship in any of the home warranty policies in Missouri. The Cinch Home Services plans have a 180-day workmanship guarantee on any repair completed. This is quite a long period of time and will help save you money on service fees. Cinch Home Services has been in the industry for more than 40 years, making them a trusted name in the Missouri area. 

Pros

Cons

More than 40 years in the home warranty business

Higher service fees than other companies  

Well known company and easy to contact

Some negative customer reviews with certain contractors 

Extended 180-day workmanship guarantee

 

Three moderately priced plans to choose from

 

Plans and Pricing

Cinch Home Services has three plans to choose from and a strong list of optional coverages. The Complete Home Plan is the only combo plan that allows for a very broad range of coverage in them. Keep in mind that the service fees with Cinch Home Service are a bit higher than other companies. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 - $150

Built-In Systems Plan

$51.99

$100 - $150

Complete Home Plan

$61.99

$100 - $150

Coverage

With a Cinch Home Services plan, a good portion of your Missouri systems and appliances will be covered by the plan. Some of the most popular coverages under the Complete Home Plan are . . . 

  • Septic tank
  • Sump Pump 
  • Oven
  • Dishwasher 
  • Plumbing System  

What Customers Are Saying

We trusted Cinch with our first home for 5 years and loved it. They were easy to work with, and repairs were prompt and contracted to reputable repair services. They fixed appliances or straight replaced them if needed. Premiums and deductibles are fair, and the company follows through with quality services. We had a warranty provided by the seller with our second home, and we left them after 2 months due to horrible service and inability to resolve issues. I am glad to be back with Cinch.”Source

Home Warranty Coverage in Missouri Cities

What You Should Consider Before Buying A Home Warranty in Missouri

Narrowing down the top seven home warranties on the market is quite a task, but now you will have to decide which of these top home warranties will be the best fit for your home. Here are a few of the most important factors to consider when choosing your Missouri home warranty. 

Workmanship Guarantee 

The workmanship guarantee is in place to protect homeowners from having to pay more than one service fee for the same repair. A workmanship guarantee can be 30 days, or with a company like Cinch Home Services, it can last as long as 180 days. This is an important plan feature as it can help you save money. 

Coverage Caps

Coverage caps come into play when you consider the amount of a repair or a replacement. If your high-end HVAC system breaks down, but your coverage cap for HVAC is $500, it may not be enough to pay for the repair. Look for policies that have higher coverage caps to get more value from your home warranty. 

Service Fees

The service fee is paid each time that you need a repair. Service fees tend to range in price from around $60 to $150. The higher-priced service fees are typically associated with the plans that have the lowest monthly pricing. 

Home Warranty Tips for Missouri Residents

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.

Image result for missouri climate picture

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. It does not matter if you live in St. Louis, Kansas City, Springfield, or Branson; your home will need a working heating system. 

One of the best home warranty companies in Missouri that provides coverage for these systems is ServicePlus. 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. ServicePlus 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.

Home warranty heating systems

Another factor 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.

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 if your appliance stops operating due to a power outage, many home warranty companies will not cover its repair or replacement. However, frequent loss of power can impact the reliability of appliances and systems over time. 

From Jefferson City to Columbus to Ozark, there is quite a bit to know about being a homeowner in Kansas City. Ensure that you are adequately prepared for your days of homeownership by having a home warranty in place. 

Home Warranty Regulations in Missouri

The Missouri Attorney General is in charge of the home warranty contracts in the state. There are certain regulations that protect the homeowner should an issue come up with the home warranty. If you are worried about investing in a home warranty company, contact the Attorney General and ensure the company is in good standing. 

Final Thoughts

Hopefully, you now feel more equipped to choose the best home warranty on the market for your Missouri home. From Kansas City to Saint Joseph to St.Louis, having a home warranty in place is a smart decision. The Choice Home Warranty is the best plan on the market. It has excellent plan options, impressive customer service, and 13 years in the industry. Overall you can’t beat what the Missouri home warranties have to offer; the most critical step is to get a few quotes and get your policy started as soon as possible. 

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Missouri Homeowners and Home Buyers

  • Missouri Weatherization Benefits: The Missouri Weatherization benefits help homeowners that need help with making a home more efficient and liveable. If you are a lower-income Missouri homeowner and need help affording your high monthly costs, the weatherization benefits could be advantageous. 
  • FHA Down Payment Assistance Grants: Getting any kind of help on the down payment of your home is a tremendous benefit. There are so many resources out there for first-time homebuyers and those that fall into lower income tax brackets. Don’t let this information pass you by without taking advantage of it. 
  • Missouri Housing and Utilities: If you have any general questions about Missouri homeownership or living in Missouri, the housing and utilities website is great to get some additional information. This website will continue to be a resource as you move through the process of homeownership. 
  • Missouri Home Buyers Resource Guide: This helpful guide put out by the University of Missouri is an excellent resource for anyone going through the process of purchasing a home. The guide is comprehensive and will help you think of things you were probably missing. 
  • Single Family Repair Loans and Grants In Missouri: For those that need help with repairs around the home, before starting a home warranty policy, the Repair Loan and Grants resources for Missouri can be beneficial. 

Recap of Our Top Picks In Missouri

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Nearby States

All states
Home warranty Kansas 39 companies available
Kansas Home Warranty
Home warranty Arkansas 33 companies available
Arkansas Home Warranty
Home warranty Illinois 44 companies available
Illinois Home Warranty

Frequently Asked Questions in Missouri

Below are just some of the frequently asked questions we receive about home warranties in Missouri.

Q.

Is a Missouri home warranty worth it?

A.
For the protection of your most important systems and appliances, a home warranty can definitely be worth it. The cost of one repair or replacement can be hundreds or even thousands of dollars. If more than one repair is needed in a given year, the cost and the bills pile up. 

With a home warranty, you have one monthly payment to cover multiple appliances and systems from breakdown. The peace of mind that comes with that is well worth it.
Q.

What are the best home warranty companies in Missouri?

A.
In our research, we’ve looked into the details of nearly 70 home warranty providers. Here are our top picks for your Missouri home.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus
Q.

What do home warranties cover?

A.
When a homeowner’s insurance policy doesn’t cover a home appliance or system, a home warranty is there to pick up the slack. So when you have a breakdown of appliances and systems due to everyday wear and tear, a home warranty is meant to cover those situations. 

Commonly covered appliances include:

  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher

Commonly covered systems include:

  • Electrical System
  • Plumbing System, including stoppages
  • HVAC System, including ductwork
  • Water Heater

Many home warranty companies also cover smaller items like garbage disposals, doorbells, and ceiling/exhaust fans. 

You can also get optional add-on coverage from most home warranty providers for things like your pool or spa, septic pump, sump pump, stand-alone freezer, or additional refrigerator. 
Q.

How much does a home warranty cost?

A.
For home warranty coverage, you will pay a monthly premium. While most companies offer Appliance Plans or Systems Plans individually for a slightly lower monthly cost, most people opt for a Combo Plan. Here is the average price of a combo plan from the top five Missouri home warranty companies.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708

There will also be a service call fee each time you contact the home warranty company with a claim, and they send a licensed contractor to your home. Service call fees range from around $75 to $125.
Q.

How do I choose a good home warranty?

A.
To choose the right home warranty for your Missouri home, here are three simple steps to take:

  1. Check the reviews - Do the kind of research you are doing right now. Find out the details of what appliances and systems are covered under different companies’ plans. Find out their reputation for customer service, response speed, etc.
  2. Compare prices - Don’t just go with the first home warranty company you come across. Compare the plans and prices for several companies, and get quotes for your specific location and the plans you are most interested in.
  3. Read the fine print - Carefully read the service agreement before you sign anything. Understand the coverage and limitations of the plan, and you will know what to expect when making a service call.