Best Home Warranty Companies in Missouri
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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 American Home Shield as our top home warranty company recommendation. We determined our selections by comparing plan costs, coverage options, and additional perks.
Key Takeaways
- We recommend American Home Shield and Liberty Home Guard 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. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Missouri’s Top 4 Home Warranty Companies
The highest-rated Missouri home warranty companies include the following:
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
| 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 | |
| B+ | $44–$58 | $70 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE |
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.
Reviews of Home Warranty Companies in Missouri
American Home Shield
Best for Comprehensive Coverage
Liberty Home Guard
Best Customer Support
Elite Home Warranty
Best for Customized Coverage
Select Home Warranty
Best Budget Plan
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.
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
American Home Shield, Liberty Home Guard, and Elite 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.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
