Best Home Warranty Companies in Missouri (2021)

By Julie Thompson

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.

In our guide featuring the best home warranty companies in Missouri, we will give you information on:

  • How to choose the best home warranty 
  • Why do Missouri homeowners need a home warranty 
  • What the best companies in Missouri are for home warranties

A home warranty is a policy that will cover the high expenses related to the appliance and system repair in your home. If your HVAC system or refrigerator breaks down, the home warranty policy will step in and cover the costs. Choosing the best home warranty companies on the market can be quite a challenge. There are many great companies out there, and many of them are similar in what they offer. If you are frustrated with narrowing down these choices, keep reading, and we can help. 

Missouri Top 5 Home Warranty Companies

With more than 50 home warranty companies to choose from, the best Missouri home warranties are tricky to narrow down. We compared service fees, pricing, cancellation policies, plan choices, customer reviews, websites, and more to help narrow down these policies. Here is how the top five plans in Missouri ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best for Appliances
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$85 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

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. 

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. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The Choice Home Warranty service fee is $85. This is considered to be an average fee, and it will help you see the overall value in the Choice Home Warranty plan.

If you are ready to sign up for a Missouri home warranty and don’t want to deal with an expensive process, home inspection, and more, Choice Home Warranty is the way to go. The plan options, response times for service, and overall workmanship from Choice Home Warranty are some of the best around.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

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. 

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. 

Some of the add on coverage that you can get with the American Home Shield warranty include:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

American Home Shield has service fees that range in price from about $75 to $125. The service fees will go up and down based on the monthly price that you choose—the higher the monthly payment, the lower the service fee. 

With American Home Shield being the most customizable plan that offers the most premium coverage, this is a company worth getting a quote from. With the quality of their customer service team and impressive repair abilities, you won’t be disappointed with what American Home Shield has to offer.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

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 overall value of the policy. 

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. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

The Select Home Warranty service fee is just $60. This is one of the lowest on the market, and when combined with the pricing of the Platinum Care plan, it makes a great affordable option. 

The Select Home Warrant is easily one of the most affordable plans on the market. Deciding whether or not to invest in a home warranty for your Missouri home could be a difficult decision. The policies from Select will make the overall process quite a bit easier to manage.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

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 coverages for any Missouri home. 

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. 

The add on coverage from Liberty Home Guard is quite extensive and includes things like:

  • 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 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 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The $60 service fee from Liberty Home Guard helps to make the policy a bit more affordable. 

When looking for a home warranty for your Missouri home, it is a good idea to keep in mind the amount of time a company has been in the industry. However, if all of the information about the company is positive and points to speedy repair times and fair coverage, it is certainly worth considering as an option for your Missouri home.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty for appliance coverage in Missouri. For many homeowners starting with an appliance, a warranty is the best way to get involved in a home warranty policy. The First American Home Warranty has been on the market for more than 37 years, and Missouri residents will benefit greatly from their industry experience. The First American Home Warranty customer service is quite good, and the pricing on the appliance plan is very fair. 

There are two policies from First American Home Warranty. One policy will cover appliances only, and the other is a comprehensive or combo plan. There is a clear price difference between these two plans but having the additional coverage for appliances and systems is a great option to consider. There are also several add ons that you can include with your Missouri home warranty from First American. 

The optional coverage choices from First American Home Warranty include:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

The First American Home Warranty service fee is $85. The overall affordability of the First American Home Warranty is very similar to Choice. 

The fact that First American Home Warranty has been on the market for 37 years says something about the company’s strength. If you are looking for a wide range of coverage or simply just to cover your appliances, First American will have an option for you. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

Missouri Home Warranty Buying Guide

Now that you have a list of the top five 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. 

Top Home Maintenance Problems in Missouri

Living in Missouri is excellent, but some home maintenance problems can come up due to normal wear and tear around a home. Three of the top home maintenance problems you will encounter in Missouri are laundry room appliance breakdown, electrical system, and heating system issues. Let’s take a look at how your Missouri home warranty could help with these issues. 

  • Laundry Room Appliance: The laundry room appliances are often purchased together. This means that when they start to have issues, it also often happens together. When more than one appliance starts breaking down at once, it really helps to have the home warranty in place. 
  • Electrical System: Electrical systems keep all of the other policies and systems in your home in working condition. Electricians tend to charge high fees just to come and inspect a problem in a home. A home warranty will keep this service fee consistent each time you need a repair. 
  • Heating System: During the winter months, it is crucial to have a heating system in working condition. Missouri homeowners that run into an issue with their heating system will want to ensure that the repair is handled as quickly as possible. Most Missouri home warranties have a 24-48 hour window for service. 

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Our Conclusion

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. 

See the best home warranty companies in your state

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Frequently Asked Questions About Missouri Home Warranties

How Much Does A Home Warranty Cost In Missouri?

A Missouri home warranty will cost between $35 and $80 a month. 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. Regardless of what your budget is, there is a Missouri home warranty for you. 

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 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. 

Is A Home Warranty 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. Homeowners need to remember that one small replacement part in an HVAC unit could cost you $500 or more. With a home warranty in place, the costs are only going to be for your service fee. 

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