Whether you’re located in Kansas City, Springfield, or St. Louis, there is something for all homeowners in Missouri. From great barbecue to good farming land, settling down in the Show-Me State has many great benefits. Living in Missouri means also that you will have four distinct seasons, affordable housing, a 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. This is where one of the best home warranty companies in Missouri can come in and offer you peace of mind.

In this guide, we will cover . . . 

  • What is a home warranty in Missouri?
  • 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 2022
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
97.6

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 98.5
  • $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 98.0
  • 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 97.6
  • $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 96.5
  • $200 off + 1 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 95.1
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • 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
The Home Service ClubSiteQuickest Coverage$50-$63$60N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

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 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 company in the state of Missouri. With Choice Home Warranty, you will get more than 13 years of industry experience, excellent customer service, and very simple plan options. Choice Home Warranty keeps its home warranty plans very simple and jargon-free, so Missouri homeowners always know exactly what is covered as part of their home warranty plan. Choice also offers two comprehensive policy options so you don't have to choose between appliance and systems coverage. Both plans come at an affordable price, with the Basic Plan coming under $50 per month. If you're looking for simple contracts and broad coverage, Choice Home Warranty is the home warranty provider for you.

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, Pricing and Coverage

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. 

Take a closer look at Choice Home Warranty's plans:

  • Basic Plan ($42 per month): This plan includes 13 home systems and appliances such as plumbing system, ceiling fans, garage door opener, oven, microwave, heating system, dishwasher, electrical system, garbage disposal, toilet, cooktop exhaust fans, ductwork, and water heater.
  • Total Plan ($53.33 per month): This plan features coverage on the 13 appliances and systems in the Basic Plan plus four more items: clothes washer, clothes dryer, refrigerator, and air conditioner. This plan is an excellent option for those wanting more extensive coverage and higher coverage caps of around $3,000 on items such as A/C and heating.
  • Optional add-ons: Choice offers nine add-ons including roof leak coverage, central vacuum, well pump, pool, spa, septic tank, sump pump, and stand-alone freezer. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying

“I did an online service request, which was easy to do. I received a confirmation of the request and an appointment confirmation the next day. The company rep was very pleasant and came in wore shoe covers and went right to work. I'd recommend CHW"Cliff

Find out more information from our Choice Home Warranty Review.

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. With AHS, you can pick and choose what coverages you want included in your policy and customize the pricing so that you can fit your home warranty plan in your monthly budget. 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 across the U.S. to ensure a fast and effective fix 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 and Coverage

American Home Shield has three plans to choose from; the two combo plans, ShieldGold and ShieldPlatinum are the best investments. Having a combination of appliance and systems coverage allows for peace of mind that your house is fully covered. However, ShieldSilver is a great option if you're looking for systems-only coverage for as low as $29.27 per month. ShieldGold and ShieldPlatinum range from $39.27-$74.27 depending on your service fee. With AHS, the service fee associated with the policy can be either $75, $100 or $125, and the monthly premium cost will change depending on what you choose.

Take a look at AHS's plans (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($34.27 per month): This plan covers 17 systems, such as electrical system, air conditioning, smoke alarms, doorbells, garage door opener, heating system, water heater, plumbing, and ductwork. Many of systems have maximums upwards of $1,500 per year.
  • ShieldGold™ ($44.27 per month): ShieldGold features coverage on 23 systems and appliances; the coverages are most of the systems in the ShieldSilver plan, plus a few extras such as clothes washer, dishwasher, microwave, oven, clothes dryer, and refrigerator. Some of these systems have higher coverage caps up to $3,000 per year.
  • ShieldPlatinum™ ($64.27 per month): ShieldPlatinum is the most comprehensive plan for Missouri homeowners. This plan covers 27 major systems and appliances including the 23 included in ShieldGold plus three more: garbage disposal, locksmith, and water dispenser. This plan also comes with free HVAC tune-ups, free limited roof leak coverage, and a $1,000 credit for code-required changes, modifications, and permits.
  • Optional add-ons: AHS offers six add-ons: septic system, pool, spa, TV, PC,  and well pump.

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

What Customers Are Saying

“Have placed two service requests in the las two weeks both were responded to quickly and the issues resolved no issues the microwave required parts the tech stated usually a week to receive the part arrived in 3 days and the microwave was repaired works fine nowMike G.

Learn more about AHS via our American Home Shield Review.

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 offers free roof leak coverage for all homeowners in addition to affordable coverage. 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 offers three plan options plus several add-ons, so you can ensure you get the coverage you need. 

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, Pricing and Coverage

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 Care or Bronze Care plans, yet it has double the coverage. The Gold Care plan and the Bronze Care plan are offered at the same price of just under $58 per month. However, the Platinum Care plan covers 16 total systems and appliances for only about $5 more. Select Home Warranty also has a service call fee well-below the industry average at $60 per visit.

Take a look at Select Home Warranty's plan options:

  • Bronze Care ($57.67 per month): The Bronze Care plan features coverage on seven major home appliances including refrigerator, built-in microwave, garbage disposal, dryer, oven, and clothes washer. 
  • Gold Care ($57.67 per month): Offered at the same price as Bronze Care, the Gold Care plan is another plan but includes systems-only coverage. The systems covered are plumbing, electrical systems, heating, air conditioning, water heaters, and ductwork. 
  • Platinum Care ($68.08 per month): The Platinum Care Plan is the most broad and  popular option among MO homeowners. This plan covers all of the appliances and systems in the Bronze Care plan and the Gold Care plan plus three more: ceiling fans, garage door opener, and plumbing stoppages. As an added bonus, this plan also comes with free roof leak coverage.
  • Optional Add-Ons: Select offers nine optional add-ons including spa, central vacuums, pool, stand-alone freezer, lawn sprinkler system, sump pumps and well pump. 

Plans

Cost Per Month

Service Fee

Gold Care

$57.67

$60

Bronze Care

$57.67

$60

Platinum Care

$62.08

$60

What Customers Are Saying

“We switched from AHS to select a few months back. Our recent service visit for our freezer was our first with Select. The process was easy and the service techs kept us updated on our appointment and tech arrival. The first tech did a good job on assessing the the problem and ordered the necessary part to fix it. The 2nd tech was even better. He installed the replacement part, made other checks and did a great job of explaining to me what he had done and provided me some useful information about my freezer I did not know. GREAT JOB!Jerome V.

To get more information read our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is the best home warranty company in Missouri for quick coverage. Where most home warranty providers require a 30-day waiting period before your policy begins, The Home Service Club allows the policy to start as early as only 10 days after you sign your contract. To add to the speed, HSC also doesn't require you to get a home inspection prior to the start of the plan. The Home Service Club has been in operation for over 12 years and in that time it have built a robust network of technicians and customer service professionals across the nation. For quick coverage and affordability, HSC is the home warranty provider for you. 

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

The plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

The Home Service Club only offers two home warranty plans to choose from: the Standard Coverage Plan and the Comprehensive Coverage Plan. The Standard Coverage plan includes more than 18 covered systems and appliances, which is much more that what is typically offered by a 'basic' home warranty plan. The Comprehensive Coverage Plan will get you coverage on 33 major systems and appliances for only $63 per month. HSC has affordable service fees of $60, $75 and $95. Remember, the higher the service fee, the lower your monthly premium will be.

Take a more detailed look at Home Service Club's home warranty plans:

  • Standard Coverage ($50 per month): The Standard Coverage Plan covers 18 appliances and systems. This is a comprehensive plan, so it will have coverage for both systems and appliances. These include electrical system, air conditioners, ceiling fans, water heater, central vacuum, dishwasher, refrigerator, water leaks, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Plan covers a total of 33 appliances and systems, many of which would be considered add-on coverages with other home warranty companies and would cost extra. In addition to all the items in Standard Coverage, this plan includes  gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. 
  • Optional add-ons: The Home Service Club offers 12 additional coverages such as well pump, service line, spa, spa heater, free-standing freezer, plumbing sprinkler, water softener, and more. 

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“I found the heater to be hotter than normal. So I called Home Service Club to book a repair. They got it fixed extremely fast! Color me impressed!" – Russell A.

Learn more by reading our HSC Review.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for MO homeowners looking for a highly-rated and reviewed home warranty company. Paying attention to what other homeowners think and believe about a home warranty provider is a quite important step in the selection process. In less than two years in the industry, Liberty Home Guard has earned an A rating with the BBB, which stems from several hundred positive reviews. Many of Liberty's customers praise the company for having high-quality technicians, knowledgable customer support staff, and extensive plan options. For quick service, professional customer support, and workmanship quality, you will have a hard time finding a better home warranty 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, Pricing and Coverage

The three Liberty Home Guard policies are similar to Select Home Warranty. Systems Guard is a systems-only plan running for $69.99 per month. Appliance Guard is an appliance-only policy that's a couple dollars more at $74.99. Total Home Guard is the most comprehensive plan option; it's only $5 more per month at $79.99 and offers double the coverage of either of the other two plans. For 20 total items covered, Total Home Guard is the ideal plan for any Missouri homeowner. Liberty also has an affordable service fee of $75 per service call. 

Here are more details on Liberty Home Guard's protection plans:

  • Appliance Guard ($69.99 per month): Appliance Guard covers 11 total appliances including garbage disposal, clothes washer, dishwasher, microwave, garage door opener, cooktop exhaust fan, ceiling fans, refrigerator, oven, clothes dryer, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard coverage nine systems including toilet, air conditioner, ductwork, electrical, heating system, plumbing, plumbing stoppages, bath exhaust fan, and water heater. 
  • Total Home Guard ($79.99 per month): Total Home Guard is the most popular plan for MO homeowners. Total Home Guard combines Systems Guard and Appliance Guard to cover all 20 major home appliances and systems. This plan also includes generous annual maximums on many items at $1,600 for appliances and $2,500 on systems like heating and A/C. 
  • Optional add-ons: Liberty Home Guard offers 20+ items as add-ons including more unique offerings like pest control, lawn sprinkler systems, gutter cleaning, re-key service, floor cleaning, and wine refrigerator. These run anywhere from $29.99 to $299.99.

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

“My experience with Liberty has been overall positive but I do want to especially call out that their supervisor staff is truly fantastic with any type of problem you might face. I’ve had the pleasure to work with Jake on a recent claim, and he went to bat for me and had my claim prioritized. As a result, we got our replacement within 24 hours. I sincerely appreciate all the efforts on our behalf!"Abby P.

Learn more in our Liberty Home Guard Review.

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; they will simply all be covered. First Premier Home Warranty is a newer company but has already earned an A- rating with the BBB. Many of the company's current policyholders think First Premier has professional and knowledgeable contractors, follows through on covered claims, and has affordable plan options. If you're looking for a home warranty that will cover a broad range of items but stay in your budget, First Premier is the company for you. 

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 and Coverage

First Premier Home Warranty's policies are comprehensive, having both system and appliance coverage. The Premier Plan is considered the 'basic plan' and even has 15 covered items, which is quite a bit more than other policies in this same price range. The Platinum Plan is the best option for Missouri residents because this home warranty covers 19 items for $50 per month. First Premier offers a several add-ons too, so you can make your plan more fitted to your home if need be. The service fee associated with First Premier's policies is $75 per visit, which is right at the industry average.

Here are First Premier's plan options:

  • Gold Plan ($43 per month): The Premier Plan covers 14 items, and can be as low as $33.25 per month if you choose to pay the annual lump sum rather than monthly payments. The included coverages are are ceiling fan, garage door opener, garbage disposal, sump pump, trash compactor, electrical system, oven, cooktop exhaust, dishwasher, ductwork, microwave, plumbing system, plumbing stoppages, and water heater. 
  • Platinum Plan ($50 per month): The Platinum Plan is the more comprehensive plan option because it covers the 14 items in the Gold Plan plus five more: air conditioning, heating system, washer, dryer, and refrigerator. This plan also only costs $5 more per month, however, this plan could be as low as $37.42 per month if you choose to pay the annual lump sum. 
  • Optional add-ons: First Premier has 12 additional coverages including water softener, roof leaks, septic tank pumping, free-standing ice maker, stand-alone freezer, well pump, central vacuum, refrigerator ice maker, lawn sprinkler system, septic, spa and pool coverage.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying

“First Premier has done me well. I have been a customer for 3 months and so far I have not had any issues with them yet. I've placed 2 claims and each were covered in full. I recommended two of my family members and received Amazon gift cards which is a plus. Also I've had great experience with their customer service representatives whom assisted me and were very polite. I plan to extend my contract with them for an additional 2 years!”Greg T.

For more information, read our First Premier Home Warranty Review.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship guarantee of any of the home warranty service providers in Missouri. 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/future issues. Most home warranty companies in Missouri have labor or parts guarantees that only last 30 days, but Cinch has you covered for 6 full months. Additionally, Cinch Home Services has been in the industry for more than 40 years, making them a trusted provider across the country. 

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, Pricing and Coverage

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, and ranges from $50-$68 per month. The Appliances Plan and Built-in Systems Plan covers only appliances or systems, and runs anywhere from $34.99-$57.99 per month, depending on the service fee you choose. Cinch Home Services' service call fees are a bit higher than other companies. The three options are $75, $100 and $150. However, if you choose the $150 option, you can get the comprehensive Complete Home Plan for as little as $49.99 per month. 

Here are the details on Cinch Home Services' plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Appliances Plan covers 11 items including trash compactor, microwave, refrigerator ice-maker, cooktop exhaust fan, free-standing ice maker, refrigerator, dishwasher, clothes dryer, food center, oven, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Built-In Systems Plan covers 21 major home systems. For a systems-only plan, this policy offers excellent coverage. The included items are garbage disposal, septic tank pumping, air conditioner, water dispenser, ductwork, bath exhaust fans, doorbells, smoke alarms, attic fans, central vacuum, cooktop fans, spa, water heater, sump pump, heating system, garage door opener, plumbing, toilet, electrical system, plumbing stoppages, and whole house fan. 
  • Complete Home Plan ($61.99 per month): The Complete Home Plan is the best policy offered by Cinch. This plan covers every systems and appliance covered in the Appliances Plan and the Build-in Systems Plan for a total of 32 items covered. This is more coverages offered under one plan than almost any other home warranty company. This plan also comes with a homeowners insurance reimbursement of $500 so that you can have comprehensive and affordable coverage on your entire Missouri home.
  • Optional add-ons: Cinch Home Services offers a Premier Upgrade Package, which includes $1,000 for unforeseen costs, as well as three other additional coverages: pool, septic systems, and well pump. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75- $150

Built-In Systems Plan

$39.99-$57.99

$75- $150

Complete Home Plan

$49.99-$67.99

$75- $150

What Customers Are Saying

“It was 20 degree temperature outside and my heating system was making weird noises. I immediately called to explain my situation. The customer service rep was very attentive. Zack from ****** was very helping with explaining the issue and what was needed the entire process took less than 2 hours. Thank you for the great customer service!Nicole H.

Read our in-depth Cinch Home Services Review to learn more.

Home Warranty Coverage in Missouri Cities

What is a Home Warranty?

A home warranty is a service contract that covers the out-of-pocket costs to repair or replace home systems and appliances. Home warranties come with a set number of covered items, a service fee, a monthly premium, and an annual coverage maximum. Typical items covered are plumbing systems, refrigerator, HVAC, cooktop, washer, dryer, electrical system, oven, and built-in microwave. Most home warranty companies also offer add-ons for an additional cost, and the items usually offered are pool coverage, well pump, sump pump, septic systems, lawn sprinkler systems, spa, and limited roof leak coverage. 

When one of your covered items has a breakdown, you contact your home warranty provider via its online claims portal or phone number. If the claim is approved, the company will send and experienced contractor to your home to fix the issue if its covered under your contract. You will then only have to pay the service call fee rather than the hundreds of dollars it could possibly cost to fix the item. Typical service fees range from $60-$150 per visit.

Home Warranties are great for anyone: seasoned homeowners, first-time home buyers, real estate agents, and landlords. Whether you're in a new home, an old home, a condo, a rental property, a mobile home or something different, A protection plan save you on repair and replacement costs. Homeowners insurance and a home warranty contract are different in that a home warranty won't cover damage caused by natural disasters. Additionally, home warranties won't cover damage caused by lack of maintenance, misuse or neglect. 

How to Find the Best 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. Getting full coverage on all your home appliances and systems is extremely important. 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. Choice Home Warranty is the best provider 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 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

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.