One of the best things about homeownership in Missouri is that there is something for everyone. Whether you enjoy living in cities or rural areas, Missouri has a mix of both. In addition, there are great sports, outdoor activities, and cultural events to attend in Missouri. Homeowners will find themselves with plenty to enjoy; however, not all parts of homeownership are enjoyable.
Most homeowners find home warranties to be well worth the investment and Missouri residents often benefit more than those in other states. The frequency of tornadoes in Missouri and the well-above-average amount of annual rainfall can put your roof at high risk of leaking. The extreme heat in the summer months can also put your AC system under heavy load, making breakdowns more likely. We have considered these local factors and more when ranking the best home warranty companies in your area.
Missouri’s Best Home Warranty Companies in 2023
Quick Comparison of Home Warranty Providers
The table below outlines data for the best home warranty companies in Missouri and beyond. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.5 | 50 states |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.2 | 49 states, excluding AK |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Choice Home Warranty
4.1
Our Rating
Choice Home Warranty is the best overall home warranty in the state of Missouri. With the Choice Home Warranty plan, you will benefit from the 13 years of experience this company has in the industry. The service contract from Choice Home Warranty is one of the simplest on the market, with very little fine print. This is a company that tries to make things as simple as possible for the Missouri homeowner. When you add in the fair price and the comprehensive coverage options of Choice Home Warranty, it will be hard to find a better plan than this.
- Our Take: Best Overall
- Average Annual Cost: $504-$639.96
- Response Time: Up to 48 hours
There are only two Choice Home Warranty plans to choose from. Each of these plans has both systems and appliance coverage on it. Many home warranty companies charge a premium for a comprehensive policy like this; the Choice Home Warranty comes at a very fair value. If you have additional coverages that you need for your Missouri home, Choice offers options like central vacuum, sump pump, and more. Choice Home Warranty has great coverage caps up to $3,000 for some items. The service call fee is $85, which is about average for the industry.
Here’s a detailed look at Choice Home Warranty’s coverage:
- Basic Plan ($42/month): The Basic Plan covers both appliances and home systems, which is uncommon for low-tier protection plans. This coverage option protects your stove, stove exhaust fan, dishwasher, microwave, garbage disposal, ceiling fans, and garage door openers. It also covers home systems, including electrical, plumbing, and heating. Your HVAC ductwork, toilets, and water heaters will also be included.
- Total Plan ($53.33/month): The Total Plan offers more comprehensive coverage that appeals more to most Missouri homeowners. On top of everything covered by the Basic Plan, you’ll also get protection for your washer, dryer, and refrigerator.
Choice Home Warranty offers minimal customization for your coverage plan, but you can choose from the below add-on options:
- Central vacuum
- Limited roof leak
- Septic system
- Septic tank pumping
- Sump pump
- Well pump
- Pool/Spa
- Second refrigerator
- Stand-alone freezer
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard is the most trustworthy home warranty in the state of Missouri. The Liberty Home Guard company has been on the market for two years. Although this fact may make some Missouri homeowners a bit leery, in these two years, Liberty Home Guard has managed to earn an A rating with the BBB. The home warranty industry is a tough one to keep an A rating, so this is quite an impressive feat. The Liberty Home Guard plans have a wide range of coverage for any Missouri home.
- Our Take: Most Trustworthy
- Average Annual Cost: $779.88-$899.88
- Response Time: Within 24 hours
There are three Liberty Home Guard plans to choose from. The plans are structured similarly to the Select Home Warranty. One thing to keep in mind is that the Liberty Home Guard policies are a bit more money than some of the other options on the market. However, the coverage that they offer is quite broad. In addition, the add-on options for a Liberty Home Guard warranty are some of the best on the market. Everything from your wine refrigerator to your pest control can be part of this plan. Liberty Home Guard has coverage caps that are under what you’d get from many competitors, averaging around $1,500 per item. The service fee charged per claim is $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99/month): The Appliance Guard plan includes coverage for most major and minor appliances. These include dishwashers, microwaves, ovens, refrigerators, cooktop exhaust fans, washers, dryers, garbage disposals, garage door openers, ice makers, and ceiling fans. This might seem like an expensive appliance-only plan, but the coverage is excellent.
- Systems Guard ($69.99/month): The Systems Guard plan is for home systems only and doesn’t include any appliances. This plan covers air conditioning, plumbing, electrical, and heating systems. Water heaters, toilets, bathroom exhaust fans, and HVAC ductwork are also included in the coverage.
- Total Home Guard ($74.99/month): The Total Home Guard plan is LHG’s most comprehensive plan. It includes everything covered in both the Appliance Guard plans and the Systems Guard plan to provide total peace of mind. If you want coverage for both appliances and home systems, this is a great all-inclusive option.
Liberty Home Guard has some great coverage options in its preset plans, but it really blows the competition away in its add-on products. The optional coverages include:
- Pool and spa
- Additional spa
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system coverage (including pumping)
- Limited roof leak
- Pest control
- Locksmith
- Free-standing ice maker
- Central vacuum
- Stand-alone freezer
- Re-key
- Second refrigerator
- Wine refrigerator
- Well pump
- TV and PC
- Generator
- Water dispenser
Select Home Warranty
4.2
Our Rating
Select Home Warranty is the most cost-effective home warranty plan for Missouri homeowners. Select Home Warranty ensures that even though you are paying a monthly fee for your home warranty, you are still getting some great value along with it. Homeowners in Missouri need to take price into consideration when choosing a home warranty policy; therefore, it makes sense to look at the most cost-effective plan on the market. In addition to the fair pricing and quality workmanship, Select Home Warranty offers free roof leak coverage with all of its policies. With roof leak coverage being a significant concern, this helps increase the policy’s overall value.
- Our Take: Most Cost-Effective
- Average Annual Cost: $624-$684
- Response Time: Up to 48 hours
There are three Select Home Warranty policies available to Missouri homeowners. The systems plan, appliance plan, and combo plan are the options. There are, however, add-on choices to help you make plans more customized to your needs. When you look at the pricing of the policy, be sure to notice that the combo plan is just a few dollars more per month, yet it offers homeowners almost double the coverage of the other plan choices. Select Home Warranty has lower coverage caps than many competitors, which average around $2,000. However, its service fees are very appealing at just $60 per service call.
Here’s a detailed look at Select Home Warranty’s coverage:
- Bronze Plan ($52/month): The Bronze Plan is an appliance-only option geared toward homeowners who can handle coverage for their home systems themselves. This plan includes coverage for most major appliances, including refrigerators, ovens, cooktops, washers, and dryers. It also covers some minor appliances, like your microwave, garbage disposal, and more.
- Gold Plan ($52/month): The Gold Plan covers major systems instead, and no appliances are included in the coverage. Home systems like your electrical, heating, plumbing, and, most importantly, your air conditioning system will be protected with this plan. It also covers your HVAC ductwork and water heater.
- Platinum Plan ($57/month): The Platinum Plan is the most appealing option for most Missouri homeowners because it offers the most comprehensive coverage. It includes everything covered in both of the other plans, including all major appliances and home systems. Plus, it protects your ceiling fans and garage door openers, and it offers coverage for plumbing blockages. At just $5 more per month than the other options, this plan is an outstanding value.
If the coverage options above aren’t enough for you, you can customize your protection plan using the below add-on options from Select Home Warranty.
- Pool
- Spa
- Septic system
- Well pump
- Sump pump
- Lawn sprinkler system
- Roof leaks
- Central vacuum
- Stand-alone freezer
American Home Shield
4.2
Our Rating
American Home Shield is the most customizable plan in Missouri. When it comes to premium and high-quality home warranty policies, American Home Shield will sit at the top of the list. With more than 50 years in the home warranty industry, American Home Shield is a trusted provider with impressive payouts, coverage options, and policy limits. If you have high-end appliances or systems or your home has unique features, the American Home Shield policy is a great option to consider.
- Our Take: Best Customizable Plans
- Average Annual Cost: $419.88-$779.88
- Response Time: Up to 48 hours
There are three American Home Shield policies to choose from. The least expensive option is a systems plan with just a few choices, but the plan remains very affordable. The higher-priced plans provide extensive coverage across all of the systems and appliances in your home. In addition, if your Missouri home has a pool or a spa, the AHS plans have plenty of add-on options to cover these needs.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver ($39.99/month): The ShieldSilver Plan covers systems in your home, including your plumbing, electrical, and heating systems. It also covers air conditioning, which is crucial in Missouri, water heaters, and HVAC ductwork. There are some other smaller systems included as well, like garage door openers and smoke alarm systems.
- ShieldGold ($49.99/month): ShieldGold is one step up from the ShieldSilver Plan and builds upon the coverage. In addition to everything included in the lower-tier plan, Shield Gold also covers your refrigerator, range, oven, dishwasher, microwave, garbage disposal, water dispensers for hot and cold water, clothes washers, and clothes dryers.
- ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan offers the widest range of coverage and is the best value for the money. This plan includes all home appliances and home systems covered in the other two plans, but it comes with higher coverage limits and lower service fees. It also adds some additional coverage for AC refrigerant refills, a yearly AC tune-up, and other items that appeal specifically to Missouri residents.
American Home Shield provides some of the most unique coverage options built into its plans. You can also customize your coverage by adding on any of the below options:
- Electronic extended warranty
- Pool and spas
- Well pump
- Septic pump
- Guest unit
- PC and TV
Home Warranties in Missouri Cities
How Much Does a Home Warranty in Missouri Cost?
A Missouri home warranty will cost between $35 and $80 a month, or an average of around $720 per year. The higher-priced plans are going to have extensive coverage and some add-on options. Lower-priced plans tend to have limited coverage choices and higher service fees. The average service fee is around $85, but this can range from $60 up to $150. The table below provides some average pricing for different property types in Missouri.
| Overall | $718.97 |
| Single Family | $593.33 |
| Multi Family | $1,081.30 |
| Townhome | $499.41 |
| Condo | $605.48 |
| Duplex | $868.72 |
| Home Over 5,000 sq ft | $1,294.73 |
| Home Under 5,000 sq ft | $641.17 |
Final Thoughts
At this point, you should feel as though you are ready to choose a Missouri home warranty. The Choice Home Warranty stands out as the best overall choice. Choice Home Warranty is a great option to consider with the time they have spent in the market, the fair value, and the attention to customer service. It makes sense to get a few quotes from other home warranty plans on the market before making your final decision. However, the most important thing you can do is get your policy started before your next system or appliance needs a repair.
How to Choose the Best Home Warranty in Missouri
Now that you have a list of the top four best home warranty plans on the market, it is time to narrow these down to the best overall choice. There are a few key factors that you should consider when choosing one plan from another. Three of the most important are the plan structure, service fees, and coverage caps or limits.
- Plan Structure: Some home warranty plans cover appliances, others cover systems. Most Missouri homeowners find the most peace of mind when choosing a policy with both systems and appliances.
- Service Fees: Service fees range in price from around $60 to $150. When you have quite a few repairs come up in a month, these service fees will add up rather quickly. Avoid this headache by choosing a plan with a lower service fee associated with it.
- Coverage Caps: A coverage cap is how much the plan will pay out for repairs or replacements on any of the covered items. Some plans have coverage caps of $500, and others will go as high as $3000. The higher coverage limits help to improve the overall value of a home warranty plan.
The above factors should be among the primary considerations for choosing a home warranty company no matter where you live. There are some coverage options that should be prioritized in an area like Missouri.
For example, home warranties that include air conditioning protection are almost always worth the investment in MO. The state sees extreme temperatures in the summer months that put immense strain on your AC system, refrigerator, and freezer to perform. With constant use, the equipment is bound to break down at some point and need repair.
Missouri residents also see far higher amounts of annual precipitation than most other states, averaging between 45 and 55 inches. In combination with the frequent tornadoes that can weaken roofing material, rain can contribute to a higher risk of roof leaks. As such, plans that cover roof leaks are a great option in Missouri.
What is a Home Warranty?
A home warranty is a home protection plan for your appliances, home systems, or both. They require that you pay a monthly or annual fee, and in exchange, they provide coverage for unexpected damages you might encounter. Home warranties are ideal for minimizing your home repair costs and saving you the headache of emergency home repairs and maintenance.
Home warranties have coverage caps, which are limits for the amount of coverage you can expect before you’ll be on the hook for out-of-pocket costs. They also require that you pay a service fee for each claim you make, which averages around $85.
Home Warranty vs. Homeowners Insurance
Home warranties and homeowners insurance might seem similar because they provide coverage for unexpected damages. However, there are some crucial differences between the two.
First, home insurance policies usually cover your home as a whole. A payout might include the cost of appliances and other belongings, but the amount you receive is based on total damage done and not on individual components or systems. Home warranties cover single appliances and home systems, which means you can file claims much more often and receive smaller payouts.
The second major difference is in what triggers coverage. Homeowners insurance is meant for catastrophes, like house fires and natural disasters. You’ll only receive a payout if your home suffers major damage. A home warranty covers much smaller issues, like your refrigerator failing to work, your AC system going down in the summer, and more. You can get coverage for mundane issues, which helps prevent routine maintenance and repair costs.
Finally, home warranties require just a small service fee per claim, which averages around $85. Once the coverage kicks in, it will often cover up to $3,000 in repair or replacement costs, although some coverage caps are unlimited. Homeowners insurance requires a much larger deductible, often totaling several thousand dollars. However, once you pay that out-of-pocket cost, coverage can reach into the hundreds of thousands.
How Does a Home Warranty in Missouri Work?
Securing home warranty coverage for your home is a simple process. You just need to decide on a service provider, choose a plan, select add-on coverage if needed, and pay the monthly or annual cost for your coverage. You’ll have a waiting period of between 10 and 90 days before coverage kicks in. After that, you can follow the below steps to get coverage for an issue in your home.
- Identify an issue in your home that is included in your service contract coverage
- Notify your provider of the problem. You can call the company, request service online, or use the company’s mobile app to report the issue
- Your provider will then choose a service technician to handle your repair
- You’ll pay the service call fee and avoid most other out-of-pocket costs
What does a Home Warranty Cover?
Home warranties usually either cover appliances or home systems. Some plans cover some items in each category, and comprehensive plans cover most of the items in each category. Your specific service contract and company will determine what is covered in your warranty.
Plans that cover appliances often protect your refrigerator, oven, cooktop, microwave, dishwasher, clothes washer, clothes dryer, and other minor appliances. Plans that protect your home systems typically include heating, plumbing, electrical, and air conditioning systems. Most also include water heaters and HVAC ductwork, and some also cover things like plumbing stoppages and leaks.
You’ll typically have your choice of add-on coverage options as well. Add-on coverage could be for anything, but common options are pool and pool equipment coverage, spas, sprinkler systems, outdoor utility lines, and more.
What is Not Covered by a Home Warranty?
The exclusions in your service contract are crucial to understand, as they dictate the specific items that are not included in your home warranty coverage. You should always read your contract carefully to be sure you understand what isn’t included in your warranty.
Most home warranties will exclude things like cosmetic repairs, damage caused by improper maintenance of a system or appliance, damage caused intentionally, and issues that were identified prior to the start of coverage — often called “pre-existing conditions.”
Biggest Complaints about Home Warranty Companies in Missouri
Most homeowners in Missouri are pleased with the service they receive from their home warranty companies, but there are always negative comments to be found in any industry.
One of the common complaints about providers in Missouri is that coverage is denied without cause. Some less reputable companies will deny coverage to try to save money and pass the responsibility for the repair to the homeowner. In other cases, coverage limitations set forth in your service contract might specify that the issue you’re experiencing isn’t covered by the warranty. Limitations can sometimes be frustrating if you don’t expect them, so it’s crucial that you read your service contract thoroughly to be sure you understand it.
Another common complaint we see in customer reviews is that the out-of-pocket costs for issues are sometimes higher than the service fee without warning. It’s imperative that you understand your company’s coverage caps, which are hard limits on the payout you’ll receive for different items or for annual coverage.
Are home warranties worth it?
It typically only takes one or two issues with an appliance or system to easily justify the costs of your home warranty plan. While it’s impossible to say if you’ll save money with a protection plan, most homeowners benefit from purchasing a home warranty.
Homeowners need to remember that one small replacement part in an HVAC unit could cost you $500 or more. Similarly, a fridge repair could total over $400 easily, and replacement could reach over $3,000. Even a routine service call to a plumber for a clog or an HVAC technician for a system breakdown can easily reach over $400. With a home warranty in place, the costs are only going to be for your service fee, which averages around $85. Two or three service calls per year would instantly make your home warranty a sound investment.
Plus, one of the biggest benefits of buying a home warranty is the peace of mind it provides. You’ll never have to worry about unexpected home repairs popping up or massive service bills. Your home warranty makes budgeting and saving much easier.
The best home warranty company in Missouri is the Choice Home Warranty. Choice has spent more than 13 years in the home warranty industry. They have impressive customer service and an excellent reputation when it comes to workmanship and service quality. The Choice Home Warranties are fairly priced and give you some of the best coverage on the market.
FAQs About Missouri Home Warranties
What is a service fee?
The service fee is the price you pay when a repair or replacement is needed for one of the covered appliances or systems in your home. The service fees range in price from $60 to $150. Finding a policy with a lower service fee is a great benefit.
What is the best home warranty company in Missouri?
The best home warranty company in Missouri is Choice Home Warranty. Choice has spent more than 13 years in the home warranty industry. They have impressive customer service and an excellent reputation when it comes to workmanship and service quality. The Choice Home Warranties are fairly priced and give you some of the best coverage on the market.
Who needs a home warranty?
Just about any homeowner can benefit from buying a home warranty. They not only save you money but also provide peace of mind that you won’t run into unexpected home repair costs. With that being said, home warranties are most helpful for owners of aging homes that are more likely to experience problems, first-time homebuyers moving into a new home with unknown problems, and real estate sellers who might need to carry out repairs to appease the buyers.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
- Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
- Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
- Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
- Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
- Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
- Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.
