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Best Home Warranty Companies in Missouri (2022)

Instead of paying for unexpected repair or replacement costs on home systems and appliances, consider investing in a home warranty to give you peace of mind. In this review, we’ll discuss the top three home warranty providers in Missouri.

Home Warranty Pexels

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:

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.

Here are a few benefits of 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

Plans & Pricing

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. You have the choice of a $75, $100, or $125 service fee.

If you choose a $75 service fee, here’s what the monthly cost would be by plan:

  • ShieldSilver: $54.99 per month
  • ShieldGold: $64.99 per month
  • ShieldPlatinum: $79.99 per month
For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

Learn more: American Home Shield Review

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.

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

Plans & Pricing

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.

For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

Learn more: Choice Home Warranty Review

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.

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

Plans & Pricing

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.

Here are the monthly prices by plan:

  • Appliance Guard: $65.99 per month
  • Systems Guard: $69.99 per month
  • Total Home Guard: $74.99 per month
Request a free quote from Liberty Home Guard by filling out this online form or calling 866-452-9107.

Learn more: Liberty Home Guard Review

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.

Here are a few benefits provided by Select Home Warranty:

  • Robust nationwide availability
  • Free roof-leak coverage
  • 90-day workmanship guarantee
  • Discounts on multi-year plans

Plans & Pricing

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.

Here are the monthly prices for each home warranty plan:

  • Bronze Care: $41 per month
  • Gold Care: $41 per month
  • Platinum Care: $47 per month
For a free quote from Select Home Warranty, call 888-370-3956 or fill out this online form.

Learn more: Select Home Warranty Review

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.

Here are a few 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

Plans & Pricing

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.

  • Appliance Home Care: $33 per month
  • Systems Home Care: $33 per month
  • Total Home Care: $47 per month
For more information about Priority Home Warranty and a free quote, call 954-228-2343 or fill out this simple form.

Learn more: Priority Home Warranty Review

Our Conclusion

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?

Other top home warranty companies that provide coverage to Missouri homeowners include Select Home Warranty and America’s First Choice Home Club.

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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