Looking for the best home warranty in Missouri?

Perfect, you’re in the right spot. In this guide, you’ll learn:

  • What does a home warranty in Missouri cost & is worth it?
  • What’s included in Missouri’s best home warranty?
  • Who has the best home warranty for Missouri residents?

We’ve reviewed over 65 home warranty companies to help you find the best warranty in Missouri.  These are the top three we recommend:

Editor's Choice

Limited Time: New Customers Get $50 Off
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Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
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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.

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?

Are You A Veteran Living in Missouri? Check Out This Article!

Couple buying a home warrantyWhether 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.

Think Climate

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.

One of the best home warranty companies in Missouri that provides coverage for these systems is Service Plus. Their Platinum plan covers up to two units of air conditioning and heating systems per house.

Home warranty heating systemsAbout 65% of Missouri residents use gas heating systems, and in 20% of the houses, it is electric. Service Plus 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?

Instalation of a water softener in boiler roomOther 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.


Home Maintenance Calculator


Best Home Warranties in Missouri Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

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.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Oklahoma, Illinois and Kansas

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 43 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.


Is a Missouri home warranty worth it?

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.

What are the best home warranty companies in Missouri?

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

What do home warranties cover?

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. 

How much does a home warranty cost?

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
Top 5 Average

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.

How do I choose a good home warranty?

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.