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Best 7 Home Warranty Companies in St. Peters, MO

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Regardless of where you live, keeping your household systems and appliances up and running is an essential part of home maintenance. In Missouri, hot and humid summers make air conditioning a must, and going any amount of time without it can be unpleasant.

When issues like broken air conditioning arise, having a home warranty that covers repairs and replacements can give you much-needed peace of mind. Keep reading to discover the best home warranty providers in St. Peters, Missouri, and learn how they can protect your home and budget.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in St. Peters

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about St. Peters

  • Average Max Temperature:
    65°F
  • Average Min Temperature:
    46°F
  • Average Annual Snowfall:
    11.3”
  • Homeownership Rate:
    81%
  • Median Home Size:
    1,994 sqft
  • Median Home Price:
    $290,443

Are Home Warranties Worth It for St. Peters Residents?

Yes, home warranties are worth it for St. Peters residents. Summers in St. Peters can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.

Winters in St. Peters can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation.

St. Peters' regular rain showers can also affect your home's roof. Some home warranty providers offer limited roof-leak protection to ease the financial burden of repair.

Lastly, your home warranty will connect you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when picking your home warranty plan.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. There are also service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less costly than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.

Coverage

Figure out which systems and appliances you use the most. You want your home warranty plan to cover these items. Most home warranties can be tailored to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also find plans that cover only select appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Companies' coverage limits are also important. Our research indicates that providers with higher coverage limits typically charge higher premiums. These providers may still be the best choice for homes with older systems or appliances.

Exclusions

Typically, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most will also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Your provider will outline its exclusions and limitations in your service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation. You can also read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Ratings and reviews can show how providers handle claims and customer service. Check with the Missouri Attorney General's Consumer Protection Section to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. The company you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider going with a home warranty provider that customers choose their technician. There may be no in-network service providers available in these areas, and customers may need to source their own.

Frequently Asked Questions about Home Warranty in St. Peters

More Home Warranty Resources

Sources

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

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