Whether you live in St. Louis, Kansas City, or West Plains, you can get home warranty coverage for your Missouri residence and protect major systems and appliances. In exchange for a premium and service fee, a warranty provider will handle all costs and scheduling associated with a repair or replacement to one of your covered items.
With all of the home warranty companies saturating the market, it can be difficult to know which one will work best for your home. In this review, the This Old House Reviews Team names five of the best home warranty companies in your state to help you during your search.
Missouri’s Top 5 Home Warranty Companies
The highest-rated home warranty companies in Missouri include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- Priority Home Warranty: Best for Choosing Your Own Contractor
Our team compared coverage plans, pricing, benefits, and customer reviews to determine the five best home warranty providers in Missouri. Here are our top picks.
American Home Shield
American Home Shield (AHS) is our top home warranty company for Missouri homeowners. AHS offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver plan covers systems only, while the ShieldGold and ShieldPlatinum plans cover the entire home, and the ShieldPlatinum plan increases coverage limits for all items.
Most American Home Shield plans will cost between $40–$58 per month, but this number can change based on the service fee you select. Compare AHS plan pricing below:
Plans and Pricing of AHS
|Plan||$75 Service Fee||$100 Service Fee||$125 Service Fee|
|Plan||$75 Service Fee||$100 Service Fee||$125 Service Fee|
|ShieldSilver™||$54.99 per month||$44.99 per month||$39.99 per month|
|ShieldGold™||$64.99 per month||$54.99 per month||$49.99 per month|
|ShieldPlatinum™||$79.99 per month||$69.99 per month||$64.99 per month|
Here are a few more benefits provided by American Home Shield:
- Has close to 50 years of experience in the home warranty industry
- Provides customizable coverage and flexible service fees
- Has an accreditation and B rating with the Better Business Bureau
- Offers a claims center that’s available 24/7
Choice Home Warranty
Choice Home Warranty (CHW) is the runner-up for Missouri home warranty coverage. It’s a reputable company in the home warranty industry.
Plans and Pricing of CHW
Choice provides two plans to customers—a Basic Plan and a Total Plan. The Basic Plan protects most of your home systems and appliances, including water heaters, garage door openers, electrical, plumbing, and dishwashers. For comprehensive coverage, choose the Total Plan that covers everything under the Basic Plan, plus coverage for washers, dryers, air conditioners, and refrigerators.
Choice provides affordable coverage, with both plans costing under $45 a month. In addition to a monthly premium, you’ll pay a deductible of $60–$85 every time a service contractor visits your home to fix a covered system or appliance.
Here are a few benefits offered by Choice Home Warranty:
- Doesn’t consider the age of your home when providing coverage
- Provides customer service 24 hours a day, seven days a week, 365 days a year
- Has a 90-day repair guarantee
- Received awards from consumer review websites like Trustpilot and Angie’s List
Liberty Home Guard
Liberty Home Guard is an excellent choice for Missouri homeowners, earning its spot on this list for its convenient 24-hour claim response time, online customer service features, and extensive add-on coverage options.
Like many companies on this list, Liberty offers three plan options. Appliance Guard is focused on appliances, Systems Guard is focused on systems, and Total Home Guard offers coverage for a combination of both appliances and systems.
We received quotes for Liberty Home Guard plans between $65 and $75 monthly, but we always recommend getting a quote for yourself as these prices can vary depending on the size and exact location of your home.
Plans and Pricing of Liberty Home Guard
|Total Home Guard||$74.99|
Here are a few more benefits provided by Liberty Home Guard:
- 30 add-on coverage options, including generator, limited roof leak, and electronics protection
- A rating on BBB
- Live chat customer service feature on the website
- Discounted service fee on multi-year plans
Select Home Warranty
Not to be confused with Choice’s Best Basic Plan, Select Home Warranty is our pick for Best Value. Not only are all plans under $50, but Select Home Warranty is among the only companies in the industry to offer free roof-leak coverage at every plan level.
Select offers three plan tiers with a service call fee of $75. The Bronze Care plan is appliance-exclusive while the Gold Care plan is systems-exclusive. For homeowners who don’t want to choose between systems and appliances, the Platinum Care plan covers all items in the basic packages.
Plans and Pricing of Select Home Warranty
Here are a few more benefits provided by Select Home Warranty:
- Robust nationwide availability
- Free roof-leak coverage
- 90-day workmanship guarantee
- Discounts on multi-year plans
Priority Home Warranty
Priority Home Warranty is available in 22 states, including Missouri. While the company offers many of the standard plan options available across the industry, the company stands out for its affordable price point and the flexibility to work with your own contractor when you file a claim. Unlike most other providers who require prior approval of contractors, Priority Home Warranty will reimburse customers that work with any licensed and bonded contractors, even without pre-approval.
Priority Home Warranty offers three plan options: Systems Home Care, Appliance Home Care, and Total Home Care. The systems and appliance-exclusive plans are available at the same low rate. The Total Home Care plan offers comprehensive coverage at a slightly higher rate. The service fee is $70.
Plans and Pricing of Priority Home Warranty
|Appliance Home Care||$33|
|Systems Home Care||$33|
|Total Home Care||$47|
Here are a few more benefits provided by Priority Home Warranty:
- Affordable plan prices
- Lower-than-industry-average service fee
- Workmanship guarantee valid for the entire length of the plan
- Customers eligible for reimbursement when they work with their own contractors
American Home Shield, Choice Home Warranty, Liberty Home Guard, Select Home Warranty, and Priority Home Warranty work best for Missouri homeowners because each company has something unique to offer, whether that’s customizable coverage, affordable plans, or unique add-ons. Before signing up for a home warranty plan, get a quote from all three companies listed in this review and compare prices.
Frequently Asked Questions About Missouri Home Warranties
What other home warranty companies are available in Missouri?
Does a home warranty cover HVAC?
Most home warranty companies offer a plan that covers major systems like heating and air conditioning. American Home Shield and Choice Home Warranty cover HVAC in their plans, while First American Home Warranty covers your heating system but not air conditioning.
When can I start using my home warranty plan?
Most providers start coverage 30 days after you purchase a plan. Choice Home Warranty will start coverage immediately if you had previous home warranty coverage through a different provider. Read the terms and conditions of your contract before buying a home warranty to verify your waiting period.
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