7 Best Home Warranty Companies
in St Joseph, MO

by House Method Local Advisors - Updated September 1, 2022

A home warranty in St Joseph can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.

With a relatively mild climate, St Joseph is a great place to own a home. However, homeownership doesn't always come easy, like repairing and replacing your home's systems and appliances.

Choosing the best home warranties on the market can be quite a challenge because of the many options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty companies in St Joseph.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required

Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option

Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay

Choosing a home warranty company in St Joseph


The first step in protecting your real estate investment with a home warranty is determining which company's plan is right for you. Think about the items in your home you want coverage for and compare the policies. Policies can vary, so take into consideration the following factors when picking a home warranty policy:

Quick reference for home warranty companies in St Joseph

$45.00 - $53.33/month
14 years in business
$57.67 - $62.08/month
10 years in business
$29.27 - $74.27/month
25 years in business
$50.40 - $62.90/month
14 years in business
$69.99 - $79.99/month
5 years in business
$38.00 - $48.50/month
38 years in business
$34.99 - $67.99/month
43 years in business

Home Warranty Company and Plan Details


There are many companies and policies available to homeowners in St Joseph. House Method's team compared plan options, coverage caps, the pricing, the number of years in business, service fee, customer service, add-on options, and more to find the best home warranty in St Joseph. Here's how St Joseph's top companies ranked:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. Liberty Home Guard - Most Trustworthy
  6. First American Home Warranty - Best Appliance Coverage
  7. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 14

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in Washington

Choice Home Warranty offers the best overall home warranty in St Joseph. Choice has more than 14 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options.

Choice Home Warranty has 2 plans that provide a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.

To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our Choice Home Warranty Review.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

4.8

Most Affordable

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 10

Low service fees compared to other home warranty providers

Two months of free coverage

Has an appliance-only, systems-only, and combo plan option

90-day repair guarantee

Has a $75 cancellation fee

Low coverage caps

In St Joseph, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to comprehend and offer a mix of both system and appliance coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage limits come out to around $2,000 per covered appliance or system.

To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Gold Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Platinum Care Plan
Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 25

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in Alaska

American Home Shield is the most customizable home warranty for St Joseph residents. AHS has over 25 years of experience in the home warranty market and in that time has built a impressive network of service technicians in the country. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.

For more information on this provider, read our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 14

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the Better Business Bureau (BBB)

Only 2 plan options

In St Joseph, The Home Service Club offers the best home warranty with the quickest service. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.

To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our The Home Service Club full review.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Liberty Home Guard

4.65

Most Trustworthy

Liberty Home Guard logo
MONTHLY COST $69.99 - $79.99
YEARS IN BUSINESS 5

Very highly rated among customer service reviews

Covers repairs with a 60-day workmanship guarantee

Extensive list of 20+ add-on coverages

Easy claims process

Isn’t available in 2 states

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard offers the most trustworthy home warranty in St Joseph. Liberty is a home warranty company with 5 years of experience in the industry, and it has established itself as one of the best providers in the business. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to choose from.

Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.

To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard full review.

Home Warranty Plans from Liberty Home Guard

Appliance Guard
Service fee: $75.00 Monthly cost: $69.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Systems Guard
Service fee: $75.00 Monthly cost: $74.99 Items covered: Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Total Home Guard
Service fee: $75.00 Monthly cost: $79.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

First American Home Warranty

4.5

Best Appliance Coverage

First American Home Warranty logo
MONTHLY COST $38.00 - $48.50
YEARS IN BUSINESS 38

Established company with a BBB accreditation

Doesn’t have a coverage cap on heating, cooling, or ductwork

24/7 service calls available

Offers replacement of some covered items that are too damaged to repair

Doesn’t let customers choose their own contractor

According to some customer reviews, the technical jargon in contracts is confusing

First American Home Warranty is the best home warranty for appliance coverage for St Joseph residents. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.

First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the St Joseph area.

To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our comprehensive review of First American Home Warranty.

Home Warranty Plans from First American Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $38.00 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade
Premier Plan
Service fee: $85.00 Monthly cost: $48.50 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 43

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in Hawaii or Alaska

Cinch Home Services is the home warranty with the best workmanship guarantee for St Joseph residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for you to choose from.

Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the St Joseph area.

For more information, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in St Joseph

AIR CONDITIONER
$5,849
HEATING
$3,899
ELECTRICAL
$585
TOILETS
$487
WASHER/DRYER
$780
PLUMBING
$585
OVEN/STOVE
$1,560
FRIDGE
$585

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in St Joseph

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What is a home warranty?

A home warranty is a protection plan for home systems and appliances. When your washer or dryer breaks down and the repair will cost several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after making your first payment.

For St Joseph homeowners, when a problem happens with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be submitted. At this point, you will pay the service fee, which is usually between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs .

What does a home warranty cover?

A home warranty will cover your home's systems and appliances from normal wear and tear. The appliances commonly covered under a home warranty plan are the refrigerator, washing machine, dryer, dishwasher, microwave, oven, and more. System coverage typically includes water heaters, plumbing, air conditioning, electrical systems, heating systems, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as roof leaks, sump pumps, spas, central vacuums, electronics, and pools.

St Joseph homeowners should understand that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.

Is a home warranty worth it in St Joseph?


Benefits of a home warranty

Home warranties are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in St Joseph hitting upward of 63 degrees in the summer, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can considerably bring down your out-of-pocket costs should your HVAC system stop working.

Another good thing about having a home warranty while selling your home is that you can probably transfer your home warranty to the new owners. This can make your home more attractive to potential home buyers and help your home sell faster.

Downsides of a home warranty

Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a service technician who carries out the repair for you, some may not like this, and they would prefer to select a contractor themselves. If that's the case for you, some home warranty companies let you select a contractor. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your claims being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.

Whether or not a home warranty is worth it comes down to your personal situation. Like any other kind of insurance policy or warranty, it's there to provide you a sense of protection, so you will have to be the judge of how much that is worth to you.

Final Thoughts

A home warranty can save you a lot of money on home repairs and offer you peace of mind as a homeowner in St Joseph. Choice Home Warranty is the best overall home warranty company in St Joseph. It offers great coverage at an affordable monthly cost. However, other providers reviewed above are also great choices for St Joseph residents.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required

Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option

Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay

Home Warranty FAQs


What's the best home warranty company?

The best home warranty provider in St Joseph is Choice Home Warranty. Choice Home Warranty a large network of experienced service technicians and a respected reputation in the St Joseph area.

Who needs a home warranty?

Home buyers, landlords, real estate agents, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.

Can you use a home warranty immediately after purchasing it?

Most home warranties have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.

What is the average cost of a home warranty in St Joseph?

A home warranty plan can cost on average around $300 to $800 a year in St Joseph. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.

Do you really need a home warranty?

Homeownership can be expensive. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you will not have any large hits to your savings account .

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