Our team picked American Home Shield as the best home warranty company in Missouri. The company offers generous HVAC coverage and protects items with pre-existing conditions—a benefit for homeowners with older systems and appliances. Choice Home Warranty is another top pick, offering budget-friendly plans and reliable coverage limits on most major items.
With Missouri’s hot summers and freezing winters, your HVAC system works overtime throughout the year. A solid home warranty can help cover repairs when you need them most. Read on to see our top picks for home warranty companies in Missouri.
Key Takeaways
- We chose American Home Shield as the top Missouri home provider, which was also chosen by 35% of Missouri residents in our 2025 home warranty survey.
- The average cost of a Missouri home warranty ranges from $38–$82 for monthly costs and $444–$953 for annual pricing.
- Our survey found that 41% of Missouri homeowners chose coverage for their heating or furnace systems, making it the most commonly protected system.
Top Home Warranty Companies in Missouri
We reviewed 13 leading home warranty companies and selected the below providers for Missouri homeowners:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
The table below compares our top Missouri picks based on key factors, including national average monthly costs, Better Business Bureau (BBB) ratings, and service call fees, which you pay each time you schedule a repair.
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of November 2025.
Our Reviews of Top Providers in Missouri
When scoring home warranty companies in Missouri, we focused on key factors relevant to the state’s climate and home needs, such as HVAC system coverage, which is crucial for maintaining comfort through Missouri’s hot summers and cold winters. We also prioritized providers offering roof-leak coverage, given the frequent rainfall and occasional severe storms that can impact homes across the state. In addition, we considered add-on coverage options, such as sump pumps, which are especially important for Missouri homeowners with basements, as these systems help prevent flooding in areas prone to high water tables and heavy rainfall.
American Home Shield
Coverage Overview
- Includes protection for items with existing physical damage
- Provides free roof-leak protection with its highest plan
- Offers up to $5,000 in coverage for HVAC systems
- Offers on-demand video chat with experienced repair specialists
Keep in Mind
- Charges more for its comprehensive coverage compared to competitors
- Offers limited add-on options to expand coverage
Our Review
American Home Shield (AHS) is a strong choice for Missouri homeowners with older systems and appliances. It’s one of the few providers that covers preexisting conditions, including issues like rust, corrosion, sediment buildup, and damage from improper installation or modifications. AHS also offers high coverage limits for major systems such as plumbing and HVAC, along with free roof-leak protection in its highest-tier plan, ShieldPlatinum—a big benefit in Missouri’s heavy rain-prone areas within Tornado Alley.
However, AHS’s extensive coverage comes at a higher cost, with its comprehensive plans priced above competitors like First American and Choice. If affordability is your priority, AHS may not be the best fit. The company offers only six add-ons, fewer than the industry average of eight or more, and doesn’t cover sump pumps—an important feature for Missouri homeowners looking to prevent basement flooding. Other providers in our review offer this coverage as an add-on.
Plan Details and Cost
Below is a breakdown of American Home Shield plans and their average costs in Missouri:
- ShieldSilver ($31 per month): This system-only plan includes 14 covered items, such as HVAC, plumbing, and electrical systems.
- ShieldGold ($41 per month): This mid-tier comprehensive plan covers 14 systems and nine appliances, including refrigerators, ovens, clothes washers, and dryers.
- ShieldPlatinum ($112 per month): The highest plan tier includes ShieldGold coverage plus additional benefits, including a free HVAC tune-up and roof-leak protection.
After reviewing the American Home Shield sample contract, we learned that most covered systems receive a $5,000 limit. However, plumbing and electrical don’t have set coverage caps. ShieldSIlver and ShieldPlatinum offer a $2,000 cap, while ShieldPlatinum doubles coverage to $4,000. You can choose between a $100 or $125 service call fee, which you pay for each scheduled repair visit. Choosing the higher fee lowers your monthly costs and vice versa.
American Home Shield offers six add-on options, with pricing ranging from $5 to $27 per month. Coverage varies depending on the item but includes $500–$3,000 caps. You can add roof leak coverage to the ShieldSilver and ShieldPlatinum plans for just $5 monthly. Below is a sample of the available add-ons from American Home Shield:
- Electronics extended warranty
- Guest unit
- Pool and built-in spa equipment
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Covers most items with a standard $3,000 coverage limit
- Offers affordable home warranty plans under $70
- Includes a 90-day guarantee on parts and 60 days for labor
Keep in Mind
- Doesn’t offer appliance-only or system-only plan options
- Excludes air conditioning, laundry appliances, and refrigerators from its lowest plan
Our Review
Choice Home Warranty (CHW) offers Missouri homeowners affordable coverage, with plans under $70 per month—less than competitors like First American and AHS. It includes a $3,000 coverage limit for systems and appliances for ample protection of essential items. Repairs are backed by a 90-day parts and 60-day labor guarantee, compared to the 30-day standard from most providers. This means if a repaired item fails again within that period due to faulty parts or poor workmanship, Choice will cover the fix at no extra cost.
With Choice, you can’t adjust your service call fee as some providers allow—it’s a fixed $100, offering no flexibility to balance upfront costs with per-repair expenses. Its Basic Plan excludes key items, such as cooling systems and washers and dryers, which are only covered under the Total Plan.
Choice is currently involved in an ongoing lawsuit with the Arizona Attorney General over consumer fraud. We recommend thoroughly researching any home warranty provider before signing up.
Plan Details and Cost
Here’s an overview of Choice’s coverage plans and average costs in Missouri:
- Basic Plan ($59 per month): Its lowest comprehensive plan includes eight systems and six appliances, such as electrical systems, ovens, and dishwashers.
- Total Plan ($67): This plan includes nine systems and nine appliances, adding coverage for air conditioning, clothes washers, clothes dryers, and refrigerators.
The Choice Home Warranty contract details the $3,000 limits for most home appliances and major systems. However, Choice explicitly states that it doesn’t cover items with known and unknown preexisting conditions, which is common with many home warranty companies. This makes Choice less suitable for Missouri residents who own worn or damaged items.
The company offers 11 add-on options, more than American Home Shield, with prices ranging from $3 to $15 for additional coverage. Coverage limits range from $250 to $3,000, slightly lower than other providers.
Below are some of Choice’s add-on options:
- Central vacuum
- Limited roof leak
- Second refrigerator
- Stand-alone freezer
- Sump pump
First American Home Warranty
Coverage Overview
- Protects appliances with limits up to $7,000, the highest in this review
- Offers the First American Advantage upgrade for additional item protection
- Includes unlimited coverage for most systems, including HVAC coverage
Keep in Mind
- Limits plan selection to comprehensive options only
- Doesn’t include certain key items, including air conditioning, under its lowest plan
Our Review
First American Home Warranty offers solid coverage for high-end appliances and complex home systems. Its highest plan includes up to $7,000 in appliance coverage, including luxury models, and provides unlimited coverage for most systems—a major benefit if your HVAC or electrical system needs frequent repairs. You can also add the free First American Advantage upgrade, which extends coverage to damage from improper installations and modifications.
However, First American only offers comprehensive plans, so if you need appliance-only coverage, you may end up paying for protection you don’t need. Its lowest plan, the Starter Plan, excludes air conditioning, water heaters, and laundry appliances. While AC coverage is available as an add-on, you’ll need a higher-tier plan for washer, dryer, and water heater coverage.
Plan Details and Cost
We’ve listed First American’s home warranty plans below:
- Starter Plan ($60 per month): This plan includes eight appliances and four systems, such as ductwork, electrical systems, and garage door openers.
- Essential Plan ($75 per month): The next plan covers 11 appliances and six systems, including air conditioners, laundry appliances, and water heaters.
- Premium Plan ($92 per month): Its highest plan tier includes 11 appliances and eight systems, covering luxury appliances, seasonal HVAC tuneups, and roof-leak coverage.
According to the First American Home Warranty sample contract, the Starter and Essential Plans provide $3,500 in appliance coverage, while the Premium Plan offers up to $7,000. Water heaters are limited to $1,000 under the Essential Plan but have no coverage limit under the Premium Plan. The company offers service call fees of $100 or $125, allowing homeowners to choose a lower fee in exchange for a higher monthly premium. A higher service fee can help reduce upfront costs.
The company offers 12 add-on options that cost between $2 and $21 per month. Coverage limits vary by item, ranging from $500 to $2,500. Air conditioning coverage can be added to the Starter Plan for $8 per month. The First American Advantage upgrade is free but only applies to the Essential and Premium Plans.
Here are a few add-on options available from First American:
- Additional refrigeration
- Limited roof leak
- Pool/spa equipment
- Septic system
- Water softener
AFC Home Warranty
Coverage Overview
- Protects repairs with a workmanship guarantee that lasts through your plan term
- Allows you to choose your own service technician
- Includes free roof-leak coverage with every plan
Keep in Mind
- Includes a depreciation policy that affects payouts for older items
- Offers low coverage for certain systems, including electrical
Our Review
AFC Home Warranty offers the best plan customization in our review, with four plans and two service call fee options. This allows Missouri residents to balance coverage needs with affordable service call fees. The company provides the longest workmanship guarantee, lasting as long as you maintain an active plan, which helps eliminate service call fees for repeat repairs. It also lets you choose your own technician, a rare perk among home warranty providers.
However, AFC falls short in coverage details. It offers below-average coverage caps of $500 for electrical and plumbing systems, which could lead to higher out-of-pocket costs for major repairs. Additionally, AFC applies a depreciation policy to items five years or older, making it a less ideal choice for Missouri homeowners with aging systems and appliances.
Plan Details and Cost
Below is an overview of AFC Home Warranty plans and average pricing:
- Silver (Pricing available via phone only): Its most affordable plan focuses on appliance coverage only, protecting essential items, including dishwashers, stoves, and kitchen refrigerators.
- Gold ($44 per month): The next plan includes nine appliances and six home systems, such as heating, cooling, and electrical.
- Platinum ($51 per month): This plan tier expands coverage to include 10 appliances and nine home systems, such as plumbing stoppages, ice makers, and faucets.
- Diamond ($82 per month): The highest plan tier includes Platinum plan coverage as well as electronics and exterior sewer and water lines.
We reviewed the AFC Home Warranty sample contract to understand its coverage limits. Appliance coverage varies between $150 and $3,000. Heating, cooling, and water heaters have unlimited coverage. Other systems have coverage caps ranging from $150 to $500. AFC offers a choice between a $75 or $125 service call fee.
You can supplement your base plan with eight add-ons with coverage limits between $150 and $500. Notably, AFC lists add-on pricing by annual cost rather than monthly rates. However, the pricing was updated to an estimated monthly cost when we added an add-on to our quote. Add-ons range from $25 to $150 per year.
We’ve included some available add-on options below:
- Central vacuum
- In-ground pool and spa
- Septic system
- Sump pump
- Well pump
Our Experience Filing Claims
To supplement our research on top Missouri home warranty providers, we signed up for and tested the claims process with First American Home Warranty to evaluate its responsiveness, ease of filing claims, and service quality. Below is a summary of our tester’s experience.
Testing First American Home Warranty
Our First American tester submitted an online claim for a broken garage door opener and found the online portal easy to use. After submitting the claim, he received an immediate confirmation and a text with the service contractor’s information. Within an hour, the contractor contacted him to schedule an appointment.
Since he called on a Friday, the service was set for the following Monday. On the appointment day, the contractor arrived on time, explained the issue, and completed the repair within 20 minutes. Our tester was pleased with the results and only paid the service call fee.
Home Warranty Costs in Missouri
The average home warranty cost in Missouri ranges from $38–$82 per month or $444–$953 per year. By comparison, the national average plan price ranges from $47–$82 per month or $564–$984 per year. Pricing depends on several factors, including your plan type, add-ons, home size, and location. More comprehensive plans cost more, and service fees, typically $75–$125 per visit, also impact total expenses. Some providers offer flexibility in service fees and discounts for annual payments to help you save on plan costs.
Below, we’ve compared our top Missouri providers based on average monthly costs and service call fees.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $31–$112 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| First American Home Warranty | $60–$92 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Missouri and nationwide, we gathered more than 4,000 quotes from 13 providers across all 50 U.S. states. For Missouri averages, we used sample addresses for single-family homes under and over 4,000 square feet and averaged the costs. Our samples included both urban and rural areas, such as Humansville, Jefferson City, Lee’s Summit, and St. Louis. We applied the same home size criteria in other states and averaged those costs to determine a national price range.
How Do Missouri Home Warranty Costs Compare to Nearby States?
The average monthly home warranty cost in Missouri is $56, which is equal to the national average cost of $56. This cost is 10% cheaper than the closest five states’ average cost of $62.
Note: Data based on a 2025 survey of recent home warranty buyers
Regional Missouri Coverage Guide
Where you live in Missouri can significantly affect the type of home warranty coverage you need. From hard winters up north to flood-prone areas in the Ozarks, regional conditions can take a toll on HVAC systems, plumbing, and more. Understanding your local risks makes it easier to choose a plan with the right protections and add-ons.
St. Louis Metro and Eastern Missouri
If you live in St. Louis, Columbia, or the surrounding areas, you’re familiar with humid summers, icy winters, and frequent freeze-thaw cycles. These seasonal shifts can strain HVAC systems and lead to plumbing issues like frozen pipes or cracked fixtures. Choosing a home warranty plan with solid heating, cooling, and plumbing coverage is ideal for this region. Roof leak protection and sump pump add-ons are also worth considering, especially in areas prone to heavy rainfall or snowmelt.
Kansas City and Western Missouri
Homeowners in Kansas City, Independence, and surrounding communities experience similar weather extremes, with hot, humid summers and cold winters with snow and ice. These conditions can put pressure on HVAC systems, water heaters, and older plumbing lines. Consider a comprehensive plan that covers both the system and appliances, with optional roof-leak protection. Homes in this region may also benefit from coverage for sump pumps or septic systems, especially in rural areas.
Southern Missouri and the Ozarks
In Springfield, Branson, and across the Ozark region, homeowners deal with humid conditions, sudden storms, and elevated flood risks in certain valleys and low-lying areas. The frequent use of air conditioning makes HVAC coverage a must, while well pump and septic system add-ons are useful for homes not connected to municipal utilities. If you’re an owner of an older home in this region, a plan that includes protection for aging appliances and plumbing is especially helpful.
Northeastern and Rural Missouri
In more rural parts of Missouri, including towns along the Mississippi River and farmlands in the northeast, extreme temperatures and older infrastructure are common. Homes in these areas often rely on private wells, septic systems, and older heating units. For full protection, choose a plan that covers HVAC, plumbing, and electrical systems—and consider add-ons for well pumps and septic tanks. Roof leak coverage can also offer peace of mind during Missouri’s wet spring season.
Survey Insights From Missouri Homeowners
Our 2025 home warranty survey provided insights into how Missouri homeowners use their home warranty plans, prioritize add-ons, and navigate the claims process. The results highlight how the state’s older housing stock and system reliability shape consumer behavior across Missouri.
Why Missouri Homeowners Buy Home Warranties
Missouri residents often purchase home warranties to protect aging systems and appliances. About 80% of respondents live in pre-owned homes, and 66% reported that their homes are 20 years or older. More than half (55%) of our survey respondents said they purchased a home warranty specifically to protect older home components.
When selecting a plan, 41% of homeowners said coverage was their top priority, ahead of price or service fees. A large majority (84%) chose combination plans that protect both systems and appliances, indicating a strong demand for broad protection.
Coverage Options
Missouri homeowners most often selected coverage for water heaters (51%) and heating systems (41%).
A few add-on options were also popular among many policyholders.
- Roof leak protection was added by 37% of respondents.
- Extra appliance coverage was selected by 25% of homeowners.
- Supplemental systems protection was chosen by 24% of respondents.
- About 35% of homeowners did not add any optional coverage, suggesting that base plans often met their needs.
Claims Experience
Just over half of Missouri homeowners reported having filed a claim (57%), with most involving system repairs or replacements. About 75% of those claims were approved. For the 18% of claims that were denied, the most common reasons were improper maintenance and repair costs that exceeded plan limits.
Among approved claims, about 37% resulted in a full replacement of the covered item. Another 29% led to a repair rather than a system or appliance replacement.
Overall satisfaction with the claims process was generally positive. About 39% of respondents said they were very satisfied, while another 29% said they were satisfied with the outcome.
How We Collected Our Survey Data
To better understand homeowners’ experiences with home warranties, we surveyed 2,000 plan holders nationwide in 2025. Participants from all 50 U.S. states shared their insights on reasons for purchasing warranties, satisfaction with coverage options, and experiences with claims and customer service. Additionally, we explored factors like pricing, add-on coverage choices, and renewal intentions.
FAQs About Home Warranties in Missouri
How much does a home warranty typically cost?
A home warranty typically costs $38–$82 per month in Missouri. You’ll also owe a service call fee each time you schedule a repair visit, usually between $75 and $125.
Are home warranties worth it for Missouri homeowners?
Typically, a home warranty is worth it for Missouri homeowners, especially for those with older homes or systems that are prone to breakdowns. It helps protect against unexpected repair costs. Consider your home’s age, systems, and appliances before deciding if it’s the right choice.
How does Missouri regulate home warranties?
Home warranty companies in Missouri are not specifically regulated by state law. However, they are subject to general consumer protection laws and must adhere to contract law.
What does a Missouri home warranty cover?
A Missouri home warranty covers major systems like HVAC, plumbing, and electrical, along with appliances such as refrigerators and dishwashers for normal wear and tear. Some companies also offer add-ons for specialty items like sump pumps or septic systems.
How We Evaluated Home Warranty Providers
To select Missouri’s top home warranty providers, our team conducted thorough research by requesting sample quotes, reviewing sample contracts, and comparing coverage plans.
We also analyzed customer reviews on third-party sites, including the BBB and Trustpilot, and examined company websites for clear policy disclosures. We spoke with customer support teams, tested online quote tools, and signed up for plans with 11 leading home warranty providers to gain firsthand experience with the claims process.
We evaluated each company based on six key factors using our detailed rating methodology and gave a final 5-star rating.
- Coverage: In Missouri, selecting a home warranty plan with comprehensive HVAC coverage is essential due to the state’s extreme seasonal temperatures. Roof leak coverage is also highly valuable, especially for homeowners in areas prone to severe storms and flooding. Providers offering higher levels of coverage for major systems and appliances and relevant add-on coverage received higher ratings.
- Cost: Homeowners generally seek excellent home warranty coverage that fits within their budgets. We evaluated providers based on service call fees, monthly premiums, and additional charges, giving higher ratings to those that balanced affordability with comprehensive coverage.
- Trustworthiness: For peace of mind, Missouri homeowners should choose reliable companies with solid reputations. We assessed providers based on customer reviews, company reputation, and workmanship guarantees. Providers with shorter guarantees and poor reviews received lower scores.
- Plan transparency: Clear pricing and contract details are essential for Missouri homeowners. Providers that offer transparent policies, including well-defined coverage limits, exclusions, and terms in sample contracts and online pricing, received higher ratings. Those with vague or unclear contract details were rated lower.
- Customer support: In a home emergency, homeowners need a warranty company with accessible customer support and prompt technician dispatches. Providers that excel in this area quickly resolve homeowner concerns and provide effective assistance throughout the claims process.
- Flexibility: Top providers in Missouri offer a variety of plans and customizable add-ons, such as sump pump coverage or HVAC maintenance upgrades. We also considered flexibility in technician selection policies. Providers with limited options, fewer add-ons, or restrictions on technician choices received lower ratings.
