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Best Home Warranty Companies in Missouri

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 05/16/2024

To help with your search for a home warranty company, we reviewed the most reputable home warranty companies in the nation and selected the top providers for Missouri. We chose Liberty Home Guard as our top home warranty company recommendation. We determined our selections by comparing plan costs, coverage options, and additional perks.

Key Takeaways

We recommend Liberty Home Guard and American Home Shield for Missouri homeowners.
A Missouri home warranty costs $689 annually on average, or $45-$79 per month, depending on your provider and coverage.
We surveyed more than 1,000 homeowners who have a home warranty and found that 92.7% of policyholders were satisfied with their home warranty plans.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.

Missouri’s Top 4 Home Warranty Companies

The highest-rated Missouri home warranty companies include the following:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage

We compared coverage plans, pricing, benefits, and customer reviews to determine the four best home warranty providers in Missouri.


Summary of the Best Home Warranty Companies in Missouri

Monthly Cost in MO Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield $49–$109 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty $44–$47 $60–$75 48-84 hours B- VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Monthly Cost in MO $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
VISIT SITE
American Home Shield
Logo American Home Shield
Monthly Cost in MO $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Monthly Cost in MO $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Monthly Cost in MO $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
Company BBB Rating Monthly Cost in MO Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $49–$109 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,000-square-foot, single-family home in Saint Louis, Missouri. Your pricing may vary depending on your home’s location, size, type, and plan selections.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
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Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of Home Warranty Companies in Missouri

Liberty Home Guard

Best Overall
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Liberty Home Guard (LHG) 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. Liberty Home Guard also provides discounts for select new appliance purchases and a 60-day workmanship guarantee on completed repairs.

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides a live-chat customer service feature Cons Provides over 30 add-on coverage options, including pest control, limited roof leak, and electronics protection Includes a live chat customer service feature on the website Offers second air conditioning and heating system coverage within standard plans

Plans and Pricing

Like many companies on this list, Liberty offers three plan options. The Appliance Guard is focused on appliances. The Systems Guard is focused on systems, and the Total Home Guard offers coverage for a combination of both appliances and systems.

Liberty Home Guard selects your service call fee based on your home’s location, size, type, and plan selections. It prices your service call fee between $65–$125 per claim.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard: Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard: Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard: Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Below is a breakdown of LHG plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

American Home Shield

Best for Comprehensive Coverage
4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

American Home Shield (AHS) is another solid home warranty company for Missouri homeowners. It offers coverage for systems and appliances with preexisting conditions, making it ideal for older homes. In addition, AHS provides generous coverage caps per covered item and a large mix of systems coverage within its base plan.

Why We Chose American Home Shield

We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company is our top pick because it covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

Pros and Cons

Pros Has close to 50 years of experience in the home warranty industry Provides customizable coverage and flexible service fees Offers a claims center that’s available 24/7 Cons Charges higher monthly premiums than other providers Offers less coverage flexibility than most providers with only a few add-on options

Plans and 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.

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver: Covers home systems, such as heating, cooling, and electrical
  • ShieldGold: Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum: Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Below is a breakdown of AHS plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$49.99–$69.99

$100–$125

$5000

ShieldGold

$69.99–$89.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$89.99–$109.99

$100–$125

Systems: $5,000
Appliances: $4,000

Elite Home Warranty

Best for Flexible Coverage
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

How We Scored Elite Home Warranty

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

  • Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 
  • Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  
  • Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
  • Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Guest house
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
  • He received a next-day appointment for his repair. 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

Select Home Warranty

Best Value
4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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.

Why We Chose Select Home Warranty

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Robust nationwide availability Free roof-leak coverage 90-day workmanship guarantee Cons Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors Charges multiple service fees if there are multiple claims at the same time

Plans and Pricing

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.

Select charges a $60–$75 service call fee per claim. Our team discovered via secret-shopping that Select offers its lower service call fee as an over-the-phone deal only. 

After reviewing Select’s sample contract, we found it provides a $3,000 cap for HVAC systems. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care: Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care: Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care: Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

Below is a breakdown of Select Home Warranty plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

How Are Home Warranties Regulated in Missouri?

Our research shows Missouri’s Department of Insurance (DOI) regulates motor vehicle service contracts through Missouri statute §§ 385.200-385.220. The statute doesn’t mention if home warranty companies fall under the same jurisdiction as automobile service contracts.  However, if you own a home warranty and your provider won’t resolve your dispute, you can submit an online complaint with the DOI.

Although there isn’t a clear governmental body that enforces home warranty regulation, some organizations do. For example, the National Home Service Contract Association (NHSCA) and Service Contract Industry Council (SCIC) are industry associations that oversee member home warranty companies. The NHSCA requires member companies to follow a code of ethics, while the SCIC works with state regulators to pass consumer protection laws.


How Much Does a Home Warranty Cost in Missouri?

A home warranty in Missouri costs $57 per month on average, or $546-$948 annually.

The cost of a home warranty in Missouri depends on several factors. If you want more comprehensive coverage, you’ll typically pay 10%–15% more for a plan. Where you live in Missouri could also affect your home warranty cost. Companies usually charge more or exclude coverage entirely in areas determined as high-risk.

If you live in Howell or Newton County, which historically has faced more tornados than other counties, expect to pay more for a home warranty.

Annual Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage 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

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.


What Factors Should You Consider Before Buying a Missouri Home Warranty?

No two Missouri home warranty companies are exactly the same. As you shop around for a home warranty, consider the following factors to get the most value for your money:

  • Coverage caps: Most home warranty companies establish a coverage cap, or dollar amount, they are willing to pay for a repair or replacement. We suggest picking a company with coverage caps that cover the replacement value of your major systems or appliances.
  • Gather quotes: Request quotes from at least three companies to compare plan costs. Ensure the quotes are for similar plans across providers. This helps you decide which company provides the best value.
  • Tailored coverage: Not every home needs a comprehensive coverage plan. You likely don’t need standard coverage if you recently purchased new appliances or systems. Instead, consider a custom coverage plan. These plans cover a few items that could minimize your home warranty cost.

Expert Takes on Home Warranties

We reached out to industry experts to answer common questions about home warranties. Here’s what they had to say:

  • How does a home warranty work? According to Ryan Hawker, cofounder of H3 Homebuyers, requesting service involves a few simple steps. “When a covered item quits working, you must call the home warranty company to file a claim. You can also submit a claim online. Once the claim is approved, the company will arrange for a preapproved service provider to come to your home within 48 hours to assess the problem.”
  • How much do home warranties cover? Daniel Cabrera, who is associated with San Antonio’s Sell My House Fast, emphasizes the importance of understanding your provider’s coverage limits, as each company differs. “Be sure to ask your provider how many repairs your home appliances can have before exceeding the coverage amount,” he adds.
  • When can I start using my home warranty? Chuck Vander Stelt, a Quadwalls Realtor, says, “If you already own the home you’re getting a home warranty for, there is typically a 30- to 90-day blackout period where you can’t make claims.”

When Can You Start Using Your Home Warranty Plan?

Most providers start coverage 30 days after you purchase a plan. Read the terms and conditions of your contract before buying a home warranty to verify your waiting period.


Our Conclusion

Liberty Home Guard, American Home Shield, and Select 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. We also recommend reading each provider’s sample contract to understand their coverage exclusions and limitations better.


Other Resources for Residents in Missouri


Frequently Asked Questions

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 Liberty Home Guard cover HVAC in their plans, while First American Home Warranty covers your heating system but not air conditioning in its Starter Plan.


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for top cities in Missouri below:


Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.