By Dan Simms
Updated Jan 10, 2023
By Dan Simms
Updated Jan 10, 2023
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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.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
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.
Pros
Cons
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:
Choice Home Warranty offers minimal customization for your coverage plan, but you can choose from the below add-on options:
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.
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.
Pros
Cons
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:
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.
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.
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.
Pros
Cons
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:
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:
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.
The Home Service Club has been a part of the home warranty industry for over a decade. Since being founded in 2008, it has maintained generally positive customer reviews, although it has yet to be accredited by the Better Business Bureau. Its claim to fame in the industry is the rapid response time to service calls and the fact that coverage kicks in just 10 days after signing up. Most companies have a waiting period of between 30 and 90 days.
Pros
Cons
If you’re considering The Home Service Club as a home warranty service provider, you’ll have two coverage plans from which you can choose. Unlike most other companies, both options cover appliances and home systems. The coverage caps for some of the items are as low as $500, but others reach up to the industry standard of $2,500. You can choose your own service fee between $65 and $125, although different fees will demand different monthly prices.
Here’s a detailed look at The Home Service Club’s coverage:
In addition to a wide range of coverage options in their preset plans, The Home Service Club also offers quite a few add-on options, including:
Ready to get a free quote for coverage from The Home Service Club? Just fill out this contact form or call the company directly at 800-842-9334.
For more information on The Home Service Club and its coverage options, you can check out our complete The Home Service Club review.
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.
Pros
Cons
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:
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:
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.
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 |
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost-Effective Plans | Best Customization Options | Fastest Service | Most Trustworthy |
Average Cost | $50 per month | $60 per month | $45 per month | $56 per month | $70 per month |
Service Fee | $85 | $75 | $75-$125 | $75 | $60 |
Annual Limit | $3,000 | $2,000 | $3,000 to unlimited | $350-$2,000 | $2,000-$2,500 |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | 49 States | 46 States | 49 States | 50 States | 48 States |
Online Chat / Mobile App | No | No | No | No | Online Chat |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
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.
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.
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.
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 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.
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.
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.
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.”
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.
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 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.
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.
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.
At House Method, 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:
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.
Additional Missouri Home Warranty Resources
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