If you’re new to home warranty policies and you’re feeling uneasy about buying one, I understand completely. Home warranty companies have a stigma around them, primarily because contract loopholes can prevent you from getting your claims covered. Some consumers have even called them a scam, which in many cases is true. While home warranties cover damage to the things inside your home, like your appliances and home systems (electrical systems, plumbing, HVAC, etc.), there are always exclusions to the coverage. These companies are out to make a profit, and they’re not going to offer you a deal that’s going to lose them money. However, that doesn’t mean they’re only in it for the money. Some home warranty policies can still be extremely beneficial to homeowners, especially in Missouri, where if the AC goes out in the middle of summer, you’re going to be begging for a cool breeze. If you don’t have thousands saved for repairs, a home warranty can protect you in case a disaster strikes.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

I’ve researched the best home warranty companies in Missouri and used Today’s Homeowner’s specific review criteria to rank these providers. While secret shopping, I attained warranty quotes from all companies for a two-bedroom home in Kansas City, thoroughly reviewed sample contracts for any red flags, and scoured the internet for the most accurate customer reviews. I’ve ranked each company according to the most important factors, which include plans and coverage, affordability, customer experience, company reputation, claims process, and availability. Read on to see what these companies have to offer and if they’re right for your needs.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Missouri Home Warranty Companies

    Liberty Home Guard: Best For Customization
    Highlights
    • Always read the entire sample contract, especially parts about the exclusions and coverage limits, before purchasing a home warranty policy. These documents may be dense, but there are always details in the fine print to look out for. For example, if your company doesn’t offer protection for unknown preexisting conditions, that could act as a loophole for your provider to deny your claims. Likewise, be wary of the coverage limits because they may not be enough to pay for an entire replacement, so you may end up having to dig into your own pockets. While these problems aren’t always avoidable, you should be very familiar with them so you can make an informed decision.
    • Liberty Home Guard is the best and most well-rounded home warranty provider. Its add-ons and emergency services give it a leg up on the competition, but its great company reputation is the most important aspect for me. Choosing a trustworthy company is difficult, so Liberty’s positive customer reviews are what really set it apart and make me feel comfortable purchasing one of its plans. I also like that its rates are consistent throughout the whole country, so you won’t have to deal with any price hikes if you end up moving to a different state. If you’re not sure where to begin your search for a home warranty provider, I recommend Liberty.
    • Home warranty policies typically don’t cover any weather-related damages since these usually fall under your homeowner’s insurance policy. However, they also don’t normally cover any residual damage from weather, which can include leaks, rust, corrosion, flooding, power surges, fires, etc. While Missouri isn’t exactly in Tornado Alley, it does get its fair share of tornados every year, so keep this in mind when choosing a policy. Any storm damage will not be covered by your home warranty policy, no matter what company you choose.

    My Expert Recommendation

    Out of every home warranty plan on our list, my number one pick is the Total Home Guard plan from Liberty Home Guard because of its reasonable price and comprehensive coverage. Liberty Home Guard also has the highest company reputation score out of all the companies on our list. I’ve also read its competitors’ sample contracts, and I’m most comfortable choosing Liberty because of its straightforward terms and exclusions. In short, I don’t see any glaring red flags, and I’m satisfied with Liberty’s customer service.

    Keep in mind that Liberty Home Guard only offers a $2,000 coverage limit on most items. This is the industry standard and should cover small repairs, but if you require more, I recommend Cinch Home Services. Unlike other companies on our list, Cinch uses annual coverage limits and has a total cap of $10,000 per year. Perhaps more importantly, it covers preexisting conditions, which no other provider I mention does. While every provider I review in this list has unique perks, Liberty Home Guard and Cinch Home Services are my favorites, each offering compelling benefits.

    Are you curious to learn more about what a home warranty is and how it works? If so, watch the video below from one of our top recommended brands.

    Today’s Homeowner Tips
    Out of every home warranty plan on our list, my number one pick is the Total Home Guard plan from Liberty Home Guard because of its reasonable price and comprehensive coverage.

    Missouri Home Warranty Companies I Didn’t Include

    I didn’t include Choice Home Warranty on my list because it’s currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019. It’s also under investigation in other states like New Jersey and Oklahoma for unlicensed activity. I initially wanted to include it because its four-hour service guarantee is incredibly impressive. Still, its frequent unsavory activity made me doubt its legitimacy, so I’m not currently recommending Choice Home Warranty.

    Today’s Homeowner Tips

    I recommend getting quotes from as many companies as possible before deciding on your final choice. I always get follow-up texts and calls from home warranty providers after my initial quote, usually to offer me limited-time deals. You can use these texts to accept the company’s offer and get a better bargain, or you could use the deals as leverage to negotiate a better rate with a different company.


    Compare The Highest Rated Home Warranties In Missouri

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties in Missouri

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    My favorite thing about Liberty Home Guard is its positive customer reviews. It’s not common for home warranty companies to earn lots of favorable reviews, partially because every company (no matter how good) is going to end up with some denied claims. However, Liberty scored over 90% positive reviews on most platforms (Trustpilot, Google, etc.), which is higher than any other company I’ve seen. I can’t stress enough how rare a score like this is. Trustworthiness is incredibly important when purchasing a home warranty company, and Liberty is the most trustworthy option.

    Liberty also has 42 add-on options, which is more than any other competitor offers. These add-ons include unique items like trash compactors, casita guest units, and reverse osmosis water filtration systems, so Liberty really goes above and beyond to offer a fully comprehensive package. While these add-ons may not be practical for every homeowner, they’re perfect for customers with specific coverage needs. In terms of customization, no other provider comes close.

    Liberty Home Guard isn’t overly priced per se, but its most affordable plan costs $49.99 a month, which is a bit expensive for a plan that only covers appliances. This cost may deter new shoppers looking for affordable home warranty coverage. It can’t compete with American Home Guard’s cheapest option at $27.49, so Liberty isn’t exactly a budget-friendly option.
    Additionally, Liberty excludes known or unknown preexisting conditions. Every company has exclusions in its fine print, but excluding unknown conditions makes it easy for providers to deny claims under the justification that the problem existed before you reported it. However, Liberty still has plenty of positive reviews, so I still have confidence that it isn’t denying claims in bad faith.

    Liberty Home Guard has the highest overall rating of any company on our list, and it’s my top choice because it performs better than the competition in its plans and coverage, company reputation, and claims process. Liberty’s rates are also very consistent from state to state, which is convenient if you end up moving locations. On top of that, Liberty offers 42 add-ons, which makes it easy to mix and match to choose the coverage that’s ideal for your needs.

    My favorite plan that Liberty Home Guard offers is the Total Home Guard ($59.99) since it’s a great deal for full home coverage. Other providers have appliance-only and systems-only plans for a more affordable price, so I recommend spending the extra $5 to $10 to get the Total Home Guard plan for quality comprehensive coverage.

    Liberty Home Guard has the highest score on our list for its plans and coverage, mainly due to the fact that it has more add-on options than any other provider on our list. With 42 available add-ons, Liberty is miles ahead of the competition since most competitors only offer between five and ten add-ons each. Liberty’s Total Home Guard plan is my top choice since it contains full coverage and only costs $5 more than the Systems Guard plan. Both the Appliance Guard plan and the Systems Guard plan cost too much compared to their coverage. In my opinion, it’s better to spend the extra $5 to $10 on the Total Home Guard plan because it covers everything most homeowners need for a reasonable price.

    PlanMonthly CostService FeeAvailable Discounts
    Systems Guard$54.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection
    Total Home Guard$59.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection
    Appliance Guard$49.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Kansas City. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    The following add-ons are available for all plans:

    • Additional spa: $9.99
    • Carpet cleaning: $19.99
    • Casita guest unit: $35.99
    • Central vacuum: $8.99
    • Ejector pump: $14.99
    • Electronics protection: $19.99
    • Freestanding ice maker: $14.99
    • Generator: $19.99
    • Grinder pump: $14.99
    • Gutter cleaning: $14.99
    • Ice maker (in-fridge): $3.99
    • Instant hot water dispenser: $9.99
    • Lawn sprinkler system: $9.99
    • Lighting fixtures: $7.99
    • Limited roof leak: $11.99
    • Pest control: $14.99
    • Plumbing fixtures: $7.99
    • Pool and spa: $19.99
    • Power washing (exterior flooring): $19.99
    • Pro-Series clothes dryer: $4.99
    • Pro-Series dishwasher: $7.99
    • Pro-Series microwave: $4.99
    • Pro-Series range/oven/cooktop: $12.99
    • Pro-Series refrigerator: $14.99
    • Pro-Series stand-alone freezer: $14.99
    • Pro-Series washing machine: $4.99
    • Re-Key: $9.99
    • Reverse osmosis water filter system: $14.99
    • Saltwater pool: $23.99
    • Second refrigerator: $7.99
    • Septic system pumping: $12.99
    • Stand-alone freezer: $5.99
    • Sump pump: $8.99
    • Swamp cooler: $14.99
    • Trash compactor: $7.49
    • Tv mounting (up to 65-Inch TVs): $14.99
    • Tv mounting (up to 85-Inch TVs): $19.99
    • Water dispenser water line: $4.99
    • Water softener: $13.99
    • Well pump: $12.99
    • Window washing/cleaning: $19.99
    • Wine cooler/fridge: $11.99

    Liberty has the best add-on coverage out of every provider on our list. Its roof leak coverage is particularly beneficial in Missouri, where consistent high winds and tornados can cause wear and tear on your roof year after year. It’s important to note that Liberty won’t cover damage from natural disasters or secondary damage from roof leaks (mold, corrosion, etc.). However, the roof leak coverage will cover the source of the leak if it stems from normal wear and tear, like weathering or old age.

    Exclusions

    The following exclusions apply to all of Liberty’s plans:

    • Any type of valve or leak
    • Chimneys and exhausts
    • Damage caused by improper installation
    • Damage caused by natural disasters
    • Damage caused by pests or mold
    • Damage caused by rust or corrosion
    • Disposal of old systems or appliances
    • Glass parts
    • Installation of systems or parts
    • Known or unknown preexisting conditions
    • Lighting
    • Luxury or commercial-grade systems and appliances
    • Poorly maintained systems or appliances
    • Routine maintenance
    • Solar systems
    • “Smart” components and parts

    These exclusions are standard in the industry and match most of what I found with competitors. However, exclusions for “known or unknown preexisting conditions” are notorious for allowing providers to deny claims, so be wary of that.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Overall, Liberty is one of the more affordable home warranty providers in the industry, with plans ranging from $49.99 to $59.99. It may not offer plans as cheap as other providers, but it’s not as expensive as the premium options on the market, either. Liberty has consistent rates throughout the entire US, unlike other providers that can vary their prices upwards of $20 a month state by state, which gives me more confidence in the company’s pricing model. Additionally, Liberty frequently offers online discounts and sends texts about upcoming promotion deals, so there are plenty of opportunities to save.

    I recommend reading Liberty Home Guard’s sample contract for information on cash reimbursements and replacement parts since this can increase your costs. Liberty may choose to give a cash reimbursement for a covered item, but that amount is at their discretion. In other words, Liberty could provide you a low cash offer on an HVAC replacement because your heater is ten years old rather than giving you the entire coverage limit amount. Likewise, Liberty isn’t required to choose replacement parts that match in color or brand. If you care about matching components, you may have to pay out of pocket, which brings Liberty’s overall affordability score down to 8.9.

    I found Liberty’s agents to be generally informative and straightforward, and they were quick to answer any questions I had. However, Liberty has a long waiting period (30 to 60 days) in its sample contract, which negatively affects its customer experience score. Additionally, Liberty has been calling and texting me more than the competition after requesting a quote, which can be mildly annoying. These are minor complaints, but with all of that considered, we gave Liberty a 7.8 out of 10.

    At a 9.1, Liberty Home Guard has the highest company reputation score on our list, and it consistently scores higher than the competition on online review sites. In fact, the majority of its reviews on both Trustpilot and Google were five stars, which is higher than any other company I’ve researched. Many customers praised Liberty Home Guard for its helpful customer representatives, reliability, and prompt service. One customer on Trustpilot said:

    “My experience with Liberty Home Guard has honestly been nothing but pleasant. The staff has been very polite and informational, always being able to provide me with a solution to what is going on.”

    However, there are still contract loopholes to look out for. Another customer said:

    “After waiting nearly two months for resolution, they offered to replace my HVAC with only $1200. Their reason was that I did not show proof that it was serviced two times per year according to the original manufacturer’s recommendations. Who services something two times a year if it’s running fine, especially if it’s new?”

    Most complaints were about Liberty not fulfilling claims, being slow to address repairs, or using sub-par workers, which are common issues in the industry. While these are all noteworthy complaints, the good reviews certainly outweigh the bad.

    Rating SiteRatingNumber of Reviews
    BBBNRCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,504
    Google4.710,306

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Liberty Home Guard earned the highest claims process score on our list because of its fast response times and emergency services. Its average response time is 12 hours, which is extremely quick. For reference, most of the other companies on our list take up to 24 or 48 hours, so Liberty is much faster. Liberty also offers emergency services, which is a huge perk that not every company has. Though its coverage limits aren’t high enough to cover a total system replacement, Liberty’s claims process is still worthy of a perfect score. 

    Liberty Home Guard is available in all 50 states, which is why we gave it a 10 out of 10. Nationwide availability is a good sign that the company is established and less likely to engage in scammy behavior, so it’s important to consider when buying a home warranty policy.

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    The things that make American Home Shield stand out from the pack are its affordable rates and its high coverage limits. AHS offers basic plans for less than $30 a month, which is a great starting place for buyers who want affordable coverage. Additionally, AHS offers high coverage limits($5,000 HVAC and $4,000 appliance limits on its ShieldPlatinum plan)that are roughly $2,000 more than most competitors. Although these coverage caps are only available for its top-tier plan ($77.49 a month), a company rarely offers both affordable rates and top-notch coverage limits, so its versatility is impressive.

    American Home Shield has a lot to like, but its inconsistent customer reviews make it hard for me to feel confident about purchasing a plan. AHS has the lowest customer reputation score on our list, with most of the online complaints being about denied claims and difficult customer service. AHS still has a B rating on BBB, which speaks to its legitimacy, but its customer reviews are so split that it makes it hard to get a read on whether the company is reliable or not. Even though it has a decent amount of positive reviews, there are enough negative ones to give me pause.

    American Home Shield ranks second best when it comes to its overall score, right under Liberty Home Guard, partially due to the high coverage limits on its ShieldPlatinum plan. Its limits are $5,000 for HVAC and $4,000 for appliances, while most other competitors top out at $2,000 per appliance. However, at almost $80 a month, the ShieldPlatinum plan is overpriced for most homeowners. Despite that, American Home Shield’s basic plans are some of the cheapest in the industry, setting them apart as an affordable provider. If I could only choose one plan from American Home Shield, I’d choose the ShieldGold plan since it covers most major home systems and appliances, and at $36 a month, it’s an incredible bargain.

    However, American Home Shield has more negative reviews than the competition, specifically about claims being denied (sometimes in bad faith). Its customer reviews vary more than any other company on our list, which makes its service much more unpredictable. While there are lots of features to like about AHS, if you’re looking for a company that’s reliable above all else, I’d recommend you look elsewhere.

    American Home Shield has the most affordable basic coverage on our list, with its ShieldSilver plan starting at $27.49. The Shield Gold plan is my top choice at $36 a month (with the 40% online discount), so I highly recommend you grab this deal while it lasts. $36 a month to cover most major systems is a great bargain, so it’s definitely worth getting a quote and seeing if it meets your needs. However, the ShieldPlatinum plan is especially pricey at $79.99 a month. I don’t recommend it for most homeowners, especially since Liberty’s Total Home Guard plan is a better deal ($59.99) for comprehensive coverage. These deals change all the time, so don’t be afraid to wait until a good promotion comes along before purchasing. 

    As a side note, American Home Shield only offers six add-ons, which is the lowest amount on our list. Its affordable rates and straightforward plans make up for it, so we gave it a 9.0 out of 10.

    PlanMonthly CostService FeeAvailable Discounts
    ShieldSilver$27.49$100 – $125N/A
    ShieldGold$36.00 (with discount)$100 – $12540% ShieldGold Plan
    ShieldPlatinum$77.49$100 – $125N/A

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Kansas City. The cost data presented was accurate at the time of writing.

    Available Add-Ons
    • Electronics protection plan (all plans): $14
    • Guest unit (all plans): $6.99
    • Pool and built-in spa equipment (all plans): $18
    • Roof leak repair limit (included in the ShieldPlatinum plan but available as an add-on for others): $10
    • Septic pump (all plans): $5.00
    • Well pump (all plans): $8.00

    American Home Shield only offers a few add-ons, but the electronics protection plan is a particularly rare option. It protects an unlimited amount of smart devices that we use every day. Still, there are lots of limitations (it doesn’t cover cell phones, preexisting conditions, theft, cosmetic damage, etc.) that can prevent claims from getting covered. For $14 a month, I have mixed feelings about whether it’s worth it or not. Be sure to read a sample contract and read the exclusions carefully before buying.

    Exclusions
    • Acts beyond our control (earthquake, storms, mud, fire, etc.)
    • Flues, chimneys, fireplaces, and exhaust lines
    • Hazardous materials 
    • Improper capacity
    • Items covered by other insurance or warranty
    • Known preexisting breakdown 
    • Manufacturer or government recalls
    • Misuse or accidental acts
    • Multimedia centers
    • Outdoor kitchens
    • Power and fuel sources
    • Routine maintenance
    • Smart home systems
    • Special systems (radon mitigation systems, gas detection systems, etc.)

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield is the cheapest home warranty on our list, with basic plans costing as low as $27.49 in Missouri. In theory, this should grant them a perfect score, but AHS’s prices vary more than those of competitors from state to state, bringing its affordability score down to 8.7. In some cases, its rates will rise or fall by upwards of $20, getting as low as $7.49 a month in some locations for the ShieldSilver plan. This variance also depends on AHS’s current online promotional deals since they can have a big impact on its prices, so I highly recommend that budget-conscious buyers wait for a sale. If you input your email and phone number for a quote, AHS will text you updates for promotional deals so you don’t have to keep checking its website for sales. Be sure to read the entire American Home Shield sample contract for special notes that may affect your overall rate or payout.

    The inconsistency of American Home Shield’s customer reviews initially left me feeling uncertain about its reliability, but its responses to its complaints helped ease my mind. AHS representatives commented on almost all negative Trustpilot, Google, and Better Business Bureau complaints in order to resolve their issues or assure customers that they were working on a solution. It’s still unsure if their comments were just an attempt to save face, but it’s nice that AHS goes above and beyond the norm. Most complaints were about denied claims and incompetent technicians, which is common. Still, it’s clear that American Home Shield cares about customer satisfaction, so we gave AHS an 8.4.

    At a 7.7, American Home Shield has the lowest company reputation score on our list. While not all reviews were negative, the wide range of reviews concerns me. For instance, on Trustpilot, 78% of all reviews were one-star. However, on Google, most of its reviews were five stars. While this may seem reassuring at first, the inconsistency of reviews across platforms makes it difficult to accurately assess the company.

    Most of the complaints were regarding uncovered items, poor communication, and logistical errors. One customer explained their experience with the company and corresponding advice below:

    “Each time you call, you get a new service rep who says completely opposite things. You have to fight them on everything and make sure the rep marks your issue as needing to be expedited. This puts them under a tighter timeline to assign and complete the job, and if they don’t find an available contractor, you can hire your own, and they must reimburse you. I use this tactic frequently, and it has always worked.”

    However, AHS commonly receives praise for its quick responses to claims. One customer said:

    “The installation was very professional and went without a hitch. They were in and out fairly quickly, regardless of the monumental task of removing an old furnace and installing a new one with a humidifier.”

    While American Home Shield reviews may be all over the chart, they tend to balance each other out, so we gave AHS a 7.7.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.25,242
    Google4.532,778

    Editor’s Note: The ratings provided were accurate at the time of writing.

    American Home Shield ranks in the middle of the pack with a score of 8.4 when it comes to its claims process. In general, its agents handle claims relatively quickly, and it has an average response time of 48 hours. Because American Home Shield has coverage limits of $5,000 for HVAC and $4,000 for appliances, it pays out very well for claims as long as they’re covered. However, American Home Shield has a large number of complaints about denied claims. One Trustpilot customer stated:

    “AHS denied my claim, stating it was due to a manufacturer defect. A coil failure after 11 years was deemed to be a manufacturer defect, even though the expected life of the part was between 8 to 12 years.”’

    On the other hand, another customer on Google said:

    “They paid in full for our outdoor AC unit. It took the financial stress away of having to pull out a loan and scrape up money.”

    Home warranty companies tend to have mixed reviews, but American Home Shield has more varied reviews than other companies, so it’s hard to get a read on the general public’s satisfaction with their claims. Still, for its ease of use and high payouts, we gave American Home Shield an 8.4.

    American Home Shield operates in all of the continental United States, so we gave it a perfect availability score.

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Select Home Warranty has the most affordable comprehensive coverage plan out of all the companies on our list at just $47.75 a month. Covering all your major systems and appliances for less than $50 a month is a total steal, so Select stands tall in terms of its overall dollar value, not to mention its free roof leak protection. While Select’s promotional texts can be bothersome, I do like that they’ve offered me several unadvertised deals, including the Platinum Care plan for $379.99 a year with $60 service fees.

    Select has the lowest coverage limits of any company on our list. Appliances, plumbing, and electrical are all capped at $500 per item, falling short of the industry standard of $2,000 per item. That’s barely enough to cover most repairs, let alone a brand-new replacement, so expect to pay out of pocket for bigger claims. Also, Select’s terms and conditions are very strict. Select reserves the right to request up to three prior years of maintenance records and pictures before repairs. Without these documents, the most you’ll get for any item is only $150.00. Most homeowners don’t think to do routine maintenance when their appliances are working fine, so this could come back to bite you. Simply put, there are a lot of loopholes to watch out for here.

    Select Home Warranty’s comprehensive coverage is a great deal at only $47.75 a month, but its low coverage limits would make me hesitant to purchase a policy. Its appliance coverage limits are especially low at $500 per item, which isn’t even enough to buy a new replacement for most appliances. Its HVAC limits are also low at only $3,000. Compared to the industry average of $4,000 to $5,000, these limits are not very impressive. This money can be helpful if you’re in a pinch, but in terms of appliances, you may be better off saving up for a new one. Despite its low coverage limits, its monthly rates are very reasonable, so it’s still worth considering if you don’t have expensive appliances.

    When it comes to making claims, Select’s terms and conditions are stricter than those of any other competitor. Select requires you to report your claim within three days of discovering a malfunction, which isn’t unreasonable. Still, it can be tricky if a technician says the malfunction was ‘discoverable’ before you reported it. Likewise, Select can request up to three prior years of maintenance records to perform covered repairs, which many homeowners might not have if they don’t pay to get their appliances maintained regularly. Even though Select has the highest affordability score on our list, free roof leak coverage, and plenty of perks, be wary of the fine print before buying.

    Select Home Warranty offers three standard coverage options that are all priced similarly, but each plan includes free roof leak coverage, which is a huge plus. Despite ringing up at the same price, the Bronze Care and Gold Care plans don’t offer very much coverage, so I recommend spending $3 more to get the Platinum Care plan’s comprehensive coverage. It’s worth noting that Select has cheaper service fees than a lot of the competition, and I’ve personally received unadvertised promotions from Select, offering me $60 service fees with the purchase of its Platinum Care plan for $379.99 a year. I also like that Select’s rates are pretty consistent from state to state, unlike some other competitors that have varying prices. Select only offers nine add-ons, which is fewer than most competitors. However, its rates are a great overall value, so we gave it an 8.3.

    PlanMonthly CostService FeeAvailable Discounts
    Gold Care$44.42$75 – $100$150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)
    Bronze Care
    $44.42
    $75 – $100
    $150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)
    Platinum Care$47.75$60 – $100*$150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)Platinum Care for $379.99 a year and $60 service fees (with text promotional offer)

    *The $60 service fees are only available through limited-time promotions

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Kansas City. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty offers the following add-ons for all its plans:

    • Central vacuum: $3.33/mo
    • Lawn sprinkler system: $5.83/mo
    • Pool: $8.33/mo
    • Roof leak: $0/mo (included in all plans)
    • Septic system: $5.83/mo
    • Spa: $5.83/mo
    • Stand-alone freezer: $3.33/mo
    • Sump pump: $3.33/mo
    • Well pump: $3.33/mo

    While lawn sprinkler system coverage is common, it’s also extremely useful. Missouri has had severe droughts in recent years, so if you want to keep your lawn looking fresh and green, it’s important to keep your sprinklers in tip-top shape.

    Exclusions

    Select Home Warranty has the following exclusions on all its plans:

    • Common areas in condominiums or family homes
    • Damage caused by natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials
    • Secondary damage
    • Solar heating systems

    It’s important to note that this home warranty policy doesn’t cover damage caused by natural disasters since Missouri is known for tornados occurring.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty has the best affordability score on our list, partially because all its plans are between $44 and $48, which is a great bargain considering some comprehensive plans cost up to $80 a month. Select also has some of the lowest service deductibles on our list, with options as low as $75 when purchasing online. However, I’ve personally received texts from Select offering me $60 service fees with the purchase of its Platinum Care plan for $379.99 a year. The Gold Care and Bronze Care plans are slightly overpriced, and Select can’t compete with American Home Shield’s basic plan pricing ($27.49), so we gave it a 9.1. It’s also important to note that Select’s low coverage limits could make your repairs more costly in the long run since you’ll likely have to pay out of pocket for some of the charges. Be sure to read the entire Select Home Warranty sample contract for more details on coverage limits.

    Select Home Warranty ranks in the middle of our list when it comes to its customer experience scores. In general, most customers are happy with their experience, granting Select 3.8 stars on both Google and Trustpilot. One Trustpilot customer said:

    “I had a very pleasant conversation with the agent. He was not pushy. He didn’t try to keep upselling me to another level or extra items. He cut to the chase, and I was off the phone in a matter of minutes.”

    I can confirm that the sales reps are friendly based on my conversations with them, but most don’t talk about any important exclusions in the contract. Their main focus is making a sale, which is par for the course in the home warranty industry. While this isn’t uncommon, it could be improved, so we gave Select an 8.1.

    Select Home Warranty’s scores are average for its company reputation, but there is some debate as to the legitimacy of its customer reviews, which concerns me. While there are plenty of five-star reviews contributing to Select’s 3.8-star rating on Google and Trustpilot, some customers think the reviews aren’t reliable. One customer said:

    “This company is a SCAM! The only reason they have positive reviews is that they offer new customers an additional month of coverage in exchange for a favorable REVIEW, a practice that should be deemed ILLEGAL.”

    I can’t legally verify that Select is offering discounts to new customers for favorable reviews. However, I can confirm that many of the five-star reviews only mentioned the sign-up process, implying that they wrote the review immediately after purchasing. Here are just a few examples:

    “I just signed us up with Select Home Warranty. The rep was super helpful and really made things easy for me. “

    “I recently signed up with Select Home Warranty for both my rental property and for my parents’ home. So far, I haven’t had to use them yet.”

    “I just purchased my home warranty today, so I haven’t placed any claims yet.“

    Keep this in mind when checking out their ratings on these sites. Still, it’s BBB-certified and has great value for customers, which led us to give it an 8.0 out of 10.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.84,720
    Google3.819,774

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Select Home Warranty ranks second to last for its claims process, mainly because of its low coverage limits. Select has especially low coverage limits at only $500 per item, which is nowhere near the industry average of $2,000. It also has strict terms and conditions, like needing to reach out about a malfunction within three days of discovering an issue, which can make it feel like jumping through hoops to get claims covered. Select also has an average response time of around 48 hours for non-emergency claims, which is average, but it can’t compare to other companies on our list that have response times of 12 to 24 hours. For all these reasons, we gave Select Home Warranty a 7.6 out of 10.

    Select Home Warranty operates in 47 states, so according to our review standards, we gave it a perfect availability score.

    Best for Additional Benefits

    AFC Home Warranty

    4.3

    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    I love that AFC Home Club has a lifetime workmanship guarantee and that it lets members choose their own technicians. These perks are rare, but they’re some of the most important features you could look for in a home warranty company. First, its lifetime workmanship guarantee means that if a covered item breaks, AFC will cover the parts and labor for the entirety of a member’s plan, even if it breaks again. Most other companies only offer a 30-day or 60-day guarantee, so AFC’s lifetime guarantee is on a whole different level. However, AFC letting members pick their own technicians is my favorite feature. Other companies rarely offer this, and when they do, you usually have to get their approval first. With AFC, the process is simple: pick your technician, and you’re good to go. If you have a technician you trust, this feature is hard to beat.

    I have two main issues with AFC Home Club: its refusal to cover unknown preexisting conditions and its lack of emergency services. Every other company on our list offers emergency services, so the fact that AFC doesn’t provide them is a big disadvantage. Most of the time, when things break, it’s an emergency, so having this feature is basically a necessity. Secondly, its refusal to cover unknown preexisting conditions is inconvenient, to say the least. This policy is standard in the industry, and most companies on our list have it, but it’s still a risky exclusion that customers should be aware of.

    AFC Home Club ranks in the middle of the pack in terms of its overall score, but its perks make it a really unique choice. I love that AFC has a lifetime workmanship guarantee and lets members choose their own service technicians. Since a lot of complaints are about sub-par technicians, this feature goes a long way toward getting trustworthy repairs. Also, its lifetime workmanship guarantee surpasses every company on this list, so other companies can’t compare.

    However, AFC doesn’t provide any emergency services, which would make me hesitant to purchase a policy with them. Most of the time, when a major appliance or home system breaks, fixing it is an emergency, so it doesn’t do much good to have to wait for normal service hours to repair it. However, AFC still has reasonable response times, so it’s not a total dealbreaker; it’s just inconvenient. I recommend the Platinum Plan because it’s a decent price for comprehensive coverage ($7 less than Liberty’s Total Home Guard plan). If money were no object, I would choose the Diamond plan since it covers a lot of items that competitors don’t (like electronics and smartphones). Still, this coverage is overkill for most homeowners, so I’d opt for something less expensive.

    AFC Home Club is the only company on this list to offer four plans instead of three, giving customers more options to customize their monthly rate. The prices start at $34.33 a month for its Silver Plan, which is a great bargain for kitchen and laundry appliance coverage. However, at $87.75 a month, the Diamond Plan is the most expensive plan on our entire list and arguably the only option from AFC that’s not practical for most homeowners. The Platinum Plan ($53.17) is an exceptionally good bargain, offering comprehensive coverage for less than Liberty Home Guard and Cinch Home Services. AFC also has flexible service fees that start as low as $75, so we gave it an 8.1 for its versatility with plans and service fees.

    PlanMonthly CostService FeeAvailable Discounts
    Diamond Plan$87.75$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)Winter Sale: up to $250 off applied at checkout (online)
    Platinum Plan$53.17$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)Winter Sale: up to $250 off applied at checkout (online)
    Gold Plan$48.50$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)Winter Sale: up to $250 off applied at checkout (online)
    Silver Plan$34.33$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)Winter Sale: up to $250 off applied at checkout (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Kansas City. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AFC Home Club offers the following add-ons for all plans:

    • Built-in microwave: $50 (annual price)
    • Central vacuum: $25 (annual price)
    • Double oven: $25 (annual price)
    • Hot water dispenser: $25 (annual price)
    • Ice maker: $25 (annual price)
    • In-ground pool: $100 (annual price)
    • In-ground pool and spa: $150 (annual price)
    • Roof leak: $0 (this is a limited-time promotion, but it’s typically $25)
    • Septic system: $50 (annual price)
    • Stand-alone freezer: $25 (annual price)
    • Sump pump: $35 (annual price)
    • Well pump: $50 (annual price)

    The exterior septic system coverage is particularly beneficial since not many companies offer outdoor coverage. Damage can affect more than just your home’s interior, so it makes sense to cover your exterior pipes whenever possible.

    Exclusions
    • Accidents
    • Acts of God
    • Chemical or sedimentary build-up
    • Collapsed ductwork
    • Cosmetic defects or routine maintenance
    • Electrical shorts or power surges
    • Electronic or computerized energy management 
    • Failure due to excessive or inadequate water pressure
    • Failure to clean or maintain as specified by the equipment manufacturer
    • Fire, freezing, or electrical failure
    • Hazardous or toxic materials
    • Known or unknown preexisting conditions 
    • Lighting and application management systems
    • Lightning, mud, or earthquake damage
    • Missing parts
    • Misuse or abuse
    • Pest damage
    • Repairs related to costs of construction, carpentry, or other incidental costs
    • Rust or corrosion
    • Structural changes
    • Storms
    • Secondary damage from a noncovered item
    • Upgrades, components, or parts required due to incompatibility with the replacement system 
    • Water damage 

    It’s important to note that AFC Home Club doesn’t cover electrical shorts or power surges. While this is standard for home warranties, it’s risky in Missouri, where tornados and other storms can cause power failures and related damages.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    AFC Home Club is tied for first place with Select Home Warranty when it comes to its affordability score, making it a great choice for budget-conscious buyers. Overall, AFC has very reasonable rates, especially considering its comprehensive coverage is almost $7 cheaper than Liberty Home Guard’s Total Home Guard Plan ($59.99). However, at $87.75, the Diamond plan is the most expensive plan on our list, which negatively affects its score. We decided to give AFC a 9.1 because it allows customers to choose their service fees as low as $75, while some competitors only go as low as $100. However, non-emergency services outside of normal business hours may cost you additional fees, so be sure to read the entire AFC Home Club sample contract to learn all the details about your plan.

    AFC Home Club has the highest score on our list when it comes to customer experience, and it’s primarily because customers can choose their own technicians. One customer claimed:

    “I’ve been with AFC Home Club since 2019 and really appreciate their quick responses. The flexibility they provide to go through a technician of your choice or have them find you one is very helpful as well.”

    Choosing a technician you trust provides peace of mind that other companies can’t match, as it’s not a luxury that many companies offer. In addition, AFC has an average response time of 24 to 48 hours, which isn’t the fastest on our list, but it is respectable. For these reasons, we gave AFC Home Club a 9.2.

    AFC Home Club’s online reputation is average, but it has fewer reviews than the competition, which is concerning. All the other providers on our list have thousands of Trustpilot reviews, while AFC only has 24. On Google, they have 1,586 reviews, but other companies have tens of thousands. Customers typically praise AFC for the ability to choose their provider, with one customer saying, “The ability to choose my own technician is very important to me. I know by doing so, I get the caliber of person that I always have dealt with for the maintenance of my equipment.” 

    However, most complaints were about denied claims, which is very common in the industry. One customer on Google said:

    “The need finally arose to call them, but my claim was denied and closed within 24 hours. Save your money. If I had, I would now have the money I need for this repair.”

    AFC responded by apologizing and explaining that “the condensate pump is not covered under any plan and is not available as an add-on.” While this is a reasonable explanation, it does show that there are always exclusions that can come back to bite you no matter what plan you have. Be wary of these legal loopholes, as this story is just one of many.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.024
    Google3.71,586
    Yelp1.9337

    Editor’s Note: The ratings provided were accurate at the time of writing.

    AFC Home Club has the lowest claims process score on our list, mainly because it doesn’t offer emergency services. Every other provider on our list provides this service, so AFC can’t measure up in that regard. AFC has decent payouts and a lifetime workmanship guarantee that makes the claims process simpler, but because of its lack of emergency services, we gave AFC Home Club a 6.8.

    AFC Home Club operates in 49 states. According to our review standards, it earns a perfect availability score.

    Best for Preventative Maintenance

    Cinch Home Services

    4.1

    Our Rating

    Limited Time:
    2 Months Free On All Plans

    The best features from Cinch Home Services are its $10,000 annual coverage caps and its unknown preexisting condition coverage. Cinch is the only provider on our list to offer a collective annual coverage limit of $10,000 instead of limits for individual items, which works to your benefit if you only have a few repairs per year. Additionally, Cinch is the only provider on this list to cover unknown preexisting conditions, which gives them an A+ in my book. These two benefits can make a huge difference in your payouts. On top of that, its 180-day workmanship guarantee, its affordable rates, and its B+ Better Business Bureau rating make it an easy top-five choice.

    Cinch Home Services ties for the lowest affordability score on our list, and most of my complaints are about its prices. First, it offers fewer discounts than the competition, and though its monthly rates are very reasonable, it limits the deals that customers can get. Likewise, all of its service fee options are pricey, ranging from $100 to $150. Additionally, Cinch doesn’t offer roof leak coverage, not even as a paid add-on, which is a feature that most other providers offer (sometimes for free). None of these cons are dealbreakers, but they can definitely be inconvenient.

    Cinch stands out for two unique features: its $10,000 annual coverage limits and its coverage of preexisting conditions. These are two rare perks that no other competitor on our list offers. The $10,000 annual coverage limit is great for payouts, considering most homeowners only have a few repairs in one year. Additionally, Cinch will cover unknown preexisting conditions, along with rust and corrosion coverage (depending on the type of policy you purchase).

    However, Cinch’s preventative maintenance benefits are equally impressive. Cinch will provide one free air conditioning and/or heating system maintenance visit for up to $100 in the event that you don’t have any claims during your first year. No other company on our list offers benefits like that. Cinch does have downsides, like not offering roof leak coverage and having expensive service fees, but the pros certainly outweigh the cons. Cinch Home Services offers a lot of features that other companies don’t, so if you want coverage for preexisting conditions, rust and corrosion coverage, preventative maintenance benefits, or annual coverage limits, you’ll only find them here.

    Cinch Home Services has the lowest plans and coverage score on our list, mainly because of its expensive service fees and lack of roof leak coverage. Cinch is the only provider on our list with service fees as high as $150, which is more than twice as much as what some competitors offer. Also, your monthly rate can rise by more than $10 a month if you choose a cheaper service fee, so there are hefty tradeoffs. In terms of coverage, Cinch only offers six optional add-ons. This isn’t necessarily a dealbreaker, but Cinch doesn’t even offer roof leak coverage as a paid option, so it’s important to be aware of. Despite all that, Cinch has an annual coverage limit of $10,000, with some home appliances having individual limits of up to $2,000, which are both very good. However, the expensive service fees and lack of roof leak coverage brought Cinch’s score down to 6.7. 

    PlanMonthly CostService FeeAvailable Discounts
    Appliances$38.99$100 to $150Choose monthly billing and get your first month free (online)
    Built-in Systems$43.99$100 to $150Choose monthly billing and get your first month free (online)
    Complete Home$54.99$100 to $150Choose monthly billing and get your first month free (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Kansas City. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Cinch Home Services offers the following add-ons for all its plans:

    • Pool (heater included): $22.00/mo
    • Pool with spa (heater included): $22.00/mo
    • Premier upgrade package: $12.50/mo
    • Septic tank/pumping: $4.58/mo
    • Spa (heater included): $22.00/mo
    • Well pump: $12.50/mo

    The premier upgrade package is a unique option that provides additional coverage for permits, code upgrades, and more. No other company on this list offers it, and while it is pricey, it may be worth looking into if you’re worried about keeping your appliances up to code.

    Exclusions

    Cinch Home Services has the following exclusions on all its plans:

    • Abuse
    • Accidents
    • Acts of God
    • Animal, pet, and/or pest damage
    • Casualty
    • Fire
    • Flood, smoke, earthquake, or freeze damage
    • Improper installation
    • Insurrection and riots
    • lightning strikes
    • Missing parts
    • Misuse and/or neglect
    • Mold, mildew, mycotoxins, fungus, bacteria, virus, condensation, and/or wet or dry rot
    • Nuclear explosion, reaction, radiation, or radioactive contamination
    • Power failure
    • Power surge
    • Structural and/or property damage
    • Vandalism or intentional destruction of property
    • War and acts of terrorism

    It’s important to note that this home warranty policy doesn’t cover damage caused by power failure since Missouri is known for tornados that can cause power outages.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Cinch Home Services is tied with American Home Shield for last place when it comes to affordability, mainly due to its high service fees and lack of discount promotions. Most companies’ service fees top out at $125, but Cinch’s range from $100 to $150 — the most expensive on our list. Additionally, Cinch doesn’t offer many discounts, so it’s not as deal-friendly as the competition. Most companies provide a discount during promotions, but Cinch only offers one month free (with monthly billing), which doesn’t result in a lower monthly rate. For these reasons, we gave Cinch an 8.7.

    Cinch Home Services ties with Liberty Home Guard at the bottom of our list for its customer experience score, but that doesn’t mean that customers were necessarily unhappy with their experience. Many customers found Cinch’s reps to be knowledgeable and friendly, but Cinch has a lot of points of contact after you request a quote. This can vary based on your specific sales rep, but all the calls and texts can get annoying if you decide to pick a different company. Also, Cinch has a 30-day waiting period in its contract, which is about average. These are all small inconveniences, but they could be improved, so we gave Cinch a 7.8.

    Cinch Home Services is tied for second place with AFC Home Club for its company reputation score, making it another great alternative to Liberty Home Guard. Most importantly, Cinch earned a B+ with the Better Business Bureau, giving it the highest BBB score on our list. Most customers left complaints about denied claims or hard-to-reach customer service reps. One customer said:

    “The coverage is not clear. Even your customer service team is confused. They gave me coverage information that is contradictory to what your sales team told me. I will cancel this service.”

    On the other hand, many customers praised Cinch’s friendly reps, timely responses, and straightforward service. One Google customer said:

    “My appointment was scheduled in a very timely manner. We had to wait for parts to be ordered. Once it was determined that the dryer was not repairable, I was given a replacement or buy-out option. I chose buy-out. The check arrived in about a week. I am more than satisfied with the service I received.”

    While there are mixed feelings, Cinch has a high BBB rating and plenty of good reviews to back it up, so we gave it an 8.3.

    Rating SiteRatingNumber of Reviews
    BBBB+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.83,052
    Google3.12,573

    Cinch Home Services is second only to Liberty Home Guard in its claims process score, making it a great alternative for submitting claims easily. Cinch has a fast 24-hour response time, 24/7 availability, and fee-free emergency services, which are all great for providing peace of mind. On top of that, its $10,000 annual coverage limits are very generous, so the payouts are better than a lot of competitors.

    Cinch Home Services is available in the 48 continental United States, giving it a perfect availability score.


    Calculate the Cost of Missouri Home Warranty

    If you’re trying to figure out how much a home warranty will cost, Today’s Homeowner created a handy cost calculator to help you. Enter your monthly cost, service call fee, and expected number of claims below to estimate your annual home warranty cost.

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Missouri Home Warranty Regulations

    Missouri doesn’t have a specific governing entity to regulate home warranty companies in the state. However, they do have laws that dictate how home service contracts should operate. Chapter 385 of the Business and Financial Institutions statutes outlines the rules for home service conduct, including the requirement to write terms “in clear, conspicuous, and understandable language.Additionally, Missouri State Senate Bill SB 282creates statutory warranties for home buyers and homeowners and also prevents home solicitors from engaging in certain deceptive practices.” For more information on these laws, click the previous links and read the statutes in their entirety.

    Additionally, the Missouri state government urges consumers to file complaints with the Consumer Protection division of the state government. However, they also have a separate division for insurance complaints, which allows you to use their insurance company lookup tool to get information on your specific insurance company.

    Missouri Home Warranty News

    Recently, the Better Business Bureau issued a statement regarding Missouri-based company Like New Home Warranty, warning potential customers to steer clear of this provider.  According to the BBB, Like New Home Warranty targeted new customers through the use of scam-like mailers in order to gain business. One such mailer read: 

    Our records indicate that you HAVE NOT CONTACTED us yet to get your Home Warranty up to date. Please call IMMEDIATELY as this will be our FINAL ATTEMPT TO NOTIFY YOU.

    Additionally, Like New Home Warranty failed to send contracts to customers, pay for repairs, and even issue refunds if the customers wanted to cancel their membership. Like New Home Warranty has an ‘F’ rating on BBB, and potential customers should be aware of its tactics in order to avoid scams. For more information on the company’s actions, read the full Better Business Bureau article.

    Our Top Pick
    Best for Customization
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    Best Customer Ratings
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    Frequently Asked Questions

    Do You Need a Home Warranty in Missouri?

    Missouri law doesn’t require homeowners to purchase a home warranty plan, but it can still be beneficial, depending on your needs.


    How Much Does a Home Warranty Cost in Missouri?

    The average cost of a home warranty in Missouri is $50.27 a month, not including service fees. To find out more about the costs associated with home warranties, check out our home warranty cost guide.


    How To Save Money When Shopping for Home Warranties In Missouri?

    To get the best rates on your Missouri home warranty policy, I recommend getting online quotes from multiple companies and waiting several weeks for the right deal since online promotions are always changing, and many companies will call and text you with special offers. Also, don’t be afraid to call and ask a representative directly if they have any promotional deals because there’s a good chance it’ll pay off.


    Is a Home Warranty Worth It for Missouri Homeowners?

    A home warranty is worth it in Missouri because if you don’t have money saved up in case something breaks, a monthly home warranty bill makes it easier for you to pay smaller amounts over time for peace of mind. It can be difficult to know for sure if home warranties are worth it because these policies don’t cover every malfunction, but consider your needs and finances before buying a home warranty.



    Other Resources for Missouri Homeowners

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    Editorial Contributors
    avatar for Mitchell Layton

    Mitchell Layton

    Mitchell Layton is a former professional mover who currently lives in Philadelphia, Pennsylvania. Mitchell spent years packing and moving for REAL Rock N Roll Movers, a commercial and residential moving company based in Los Angeles that’s primarily staffed with up-and-coming musicians. That gave him plenty of experience navigating box trucks up and down the winding streets of LA. In addition to moving hundreds of happy customers into new homes and apartments all across Southern California, Mitchell has also performed corporate moves on company lots for Nickelodeon, Warner Bros, Universal Studios, Paramount, and more. After pouring blood, sweat, and tears into his profession, Mitchell has all the helpful tips you need for your next move.

    Learn More

    photo of Andrew Foligno

    Andrew Foligno

    Andrew Foligno is an editor for Today’s Homeowner, with over 6 years of experience working in digital marketing. He started his career as a content writer at an agency, covering industries such as HVAC, plumbing, painting, lawn care, and more. Soon, he was promoted to an editor position where he oversaw a team of writers before moving on to other facets of digital marketing. When he isn’t working, Andrew enjoys going to the gym to be active, as well as going to the movies to unwind.

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