Best Home Warranty Companies in Missouri

From your air conditioning system to your garage door opener, your home is made up of many expensive systems and appliances. But if one of these components were to break down, would you be able to cover the repair costs?

A home warranty policy can protect your bank account from the potentially devastating cost of a system or appliance breakdown. Home warranties offer coverage for a set list of home systems and appliances, and if one of those covered items breaks down, your provider will pay for the related expenses in exchange for a small service fee. To learn more about how a home warranty works and who the best home warranty providers are in your state, read our review below.

Missouri’s top 5 home warranty companies

Top home maintenance problems in Missouri

Let’s take a look at a few of the most common and expensive issues you might run into as a homeowner in Missouri and how a home warranty can help you take care of them.

• Hard water: Homeowners in this state suffer from hard water, which causes mineral buildup in your plumbing system. A home warranty will help resolve these plumbing stoppages or cover any breakdowns to your water softener if you have one.
• Air conditioning stress: Missouri summers can be humid and hot, which can cause premature wear and tear to your home’s HVAC system if you run it around the clock. A home warranty that includes systems coverage can help you pay for this expensive system if it breaks down.
• Electricity-related appliance damage: Missouri is rated 38 out of 50 in terms of power grid reliability in the United States, meaning that power surges and brown-outs are common. A home warranty can provide you with coverage for both your electrical system and the appliances that can be damaged by power surges. 

1. America’s First Choice Home Club

America’s First Choice (AFC) Home Club is a top home warranty provider with 11 years in the business. Some advantages that come with choosing a plan from AFC Home Club include:

• Discounts on premiums when you choose annual premiums over monthly premiums
• The ability to choose your own service technician
• A workmanship guarantee for as long as you’re an AFC Home Club member

AFC Home Club currently offers the following plan choices:

• System Plan: The System Plan covers six major home systems.
• Silver Plan: The Silver Plan covers nine major home appliances.
• Gold Plan: The Gold Plan covers every home component in both the System Plan and the Silver Plan.
• Platinum Plan: The Platinum Plan covers everything included in the Gold Plan plus a few extra items.

View pricing information from AFC Home Club below:

You’ll also pay a service fee of $75, $100, or $125 each time you request service. You’re free to choose your own service fee, but keep in mind that the fee you choose will influence how much you’ll pay each month.

Get a free quote from AFC Home Club by filling out this online form or calling 877-755-1115.

2. Choice Home Warranty

In addition to over 10 years of experience, Choice Home Warranty customers also have access to the following benefits:

• A 90-day workmanship guarantee
• Two easy-to-understand plan choices
• 24/7 customer service

Choice Home Warranty has the following plan options:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 home systems and appliances.
• Total Plan: The Total Plan covers everything in the Basic Plan plus four more items.

Take a look at the cost of a Choice Home Warranty plan:

You’ll also pay an $85 service fee each time you use your plan.

Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

3. Liberty Home Guard

Though Liberty Home Guard has only been in business for three years, the company is already favorably rated by policyholders. Some of the company’s other benefits include:

• A lower than average service fee of $60
• A 60-day workmanship guarantee
• Optional coverages for areas like lawn sprinkler systems and carpet cleaning

Liberty Home Guard offers three plan options:

• Appliance Guard: The Appliance Guard plan covers nine home appliances.
• System Guard: The System Guard plan covers six home systems.
• Total Home Guard: The Total Home Guard Plan includes all coverages found in both of the previous plans.

Take a look at pricing information for Liberty Home Guard below:

You’ll also pay a $60 service fee every time you use your plan.

Get a free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

4. Select Home Warranty

Select Home Warranty is a New Jersey-based home warranty provider known throughout the country for providing affordable policy options. With your Select Home Warranty plan, you’ll also get:

• Discounts on multi-year coverage plans
• Two months of free coverage when you sign onto a new plan
• Complementary roof leak protection

Select Home Warranty has three plans:

• Bronze Care: The Bronze Care plan covers eight home appliances.
• Gold Care: The Gold Care plan covers six home systems.  
• Platinum Care: The Platinum Care plan covers everything in both the Bronze Care and Gold Care packages plus a few extras.

Here’s what you can expect to pay per month for your plan from Select Home Warranty:

Select’s service fee is $75 per service call.

Get a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

5. Amazon Home Warranty

Amazon Home Warranty has a similar amount of experience as AFC Home Club and Choice Home Warranty. However, the company has these unique benefits not offered by any of the other providers in this review:

• An extensive list of over 20 optional coverages
• Generous coverage caps
• First month of coverage free

Amazon Home Warranty currently offers three policy options:

• Appliances Plan: The Appliances Plan covers eight home appliances.
• Systems Plan: The Systems Plan covers eight of your home’s systems.
• Combo Plan: The Combo Plan includes all coverages in both the Appliances Plan and Systems Plan plus a few more.

Here’s what you can expect to pay each year when you choose Amazon Home Warranty:

You’ll also pay a $75 service fee each time you use your plan.

Get a free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194.

Missouri home warranty buying guide

There are a wide range of factors that you should consider when deciding which of the many home warranty companies in Missouri you want to work with. You’ve probably already considered price and coverage options, but here are a few lesser-known factors to think about:  

• Exclusions: Each home warranty provider has a sample contract on its website. This contract will break down each protected system or appliance and tell you which components of that item aren’t covered. We recommend reviewing these exclusions before purchasing a policy to ensure that all of the important parts of the items are covered.
• Rural vs. urban coverage: The items you need coverage for in urban St. Louis or Kansas City will be different than in rural parts of the state. If you live in a rural area, make sure the provider you choose has optional add-ons for items like well pumps and septic systems so that you can get whole-home protection just like homeowners in urban areas.
• Repair speed: The best home warranty companies will tell you how long on average it will take to receive a repair. Giving you this estimate up front forces them to get a repair done quickly so that you aren’t stuck with a broken system or appliance for weeks.

Our conclusion

It’s impossible to label one home warranty provider in Missouri as the best because each has something unique to offer its customers. To learn more about what each company can do for you, we recommend getting custom quotes from the providers we mentioned in this review.

Frequently asked questions about Missouri home warranties

How do I file a claim with my home warranty company?

Most home warranty companies offer 24/7 claims reporting. Whenever a covered system or appliance breaks down, either call the customer service line or log into your customer portal on the company’s website and file a claim.

Will my home warranty cover my water heater?

Most home warranties that provide systems coverage extend that coverage to hot water heaters. However, each company will vary in terms of what water heater components they cover and how much they’re willing to spend on a repair.

Can I use my home warranty after a fire?

No. Home warranties don’t cover damage resulting from fires. However, your homeowners insurance will cover fire-related damages.