If you want a home warranty in Missouri, it’s important to compare your options so you can get the best deal for the right coverage. The good news is that we’ve done this work for you — our top pick for the Show Me State is American Home Shield.
Our research team vetted home warranty companies rated by hundreds of customers in Missouri. Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations.
| Company | Customer rating | Starting costs | Service fee | Covered systems | Covered appliances | Available plans | Roof leak coverage? | |
|---|---|---|---|---|---|---|---|---|
 | 3.8
106,358 reviews
106,358 reviews
| $29.99 | $100 or $125 | 14 | 9 | 3 | Add-on | Get a Quote |
 | 4.0
69,288 reviews
69,288 reviews
| $46.83 | $100 | 9 | 8 | 2 | Add-on | Get a Quote |
 | 3.7
15,191 reviews
15,191 reviews
| $60.42 | $75 to $100 | 8 | 7 | 3 | Add-on | Get a Quote |
 | 1.5
2,259 reviews
2,259 reviews
| $30 | $75 or $125 | 8 | 8 | 4 | Add-on | Learn more |
 | 3.5
2,599 reviews
2,599 reviews
| $49.99 | $125 | 8 | 8 | 3 | Add-on | Get a Quote |
Below are our favorite home warranty companies in Missouri, based on local reviews and company offerings.
Jump into our guides and start learning
When buying a home warranty in Missouri, it’s important that you understand your unique risk factors and what to look for in a policy and then buy accordingly. Read on for more information on home warranty costs, regulations and coverage considerations.
» COMPARE MORE COMPANIES: Home warranty buyers guide
Home warranties from our Missouri top picks range from $30 to $90 monthly. Look for deals and consider customizing your service fees for cheaper monthly payments.
Jump to insightWhen choosing a home warranty, ensure the contract is in writing and explicitly covers necessary items like HVAC due to the state's varied climate.
Jump to insightIn Missouri, the Department of Insurance regulates home warranty policies. Contracts must be easy to read, include pricing and cancellation details and clearly state limitations or exclusions.
Jump to insightHome warranty plans from our top picks cost between $30 and $90 per month without add-ons or discounts. Many options below $65 per month are available in Missouri, though.
Your home warranty costs depend on the coverage and company you choose. Plans on the cheaper end of the spectrum usually include less coverage, while more comprehensive home warranty coverage usually costs more.
If your budget is tight, check for deals and promotions from the companies you’re considering. We didn’t include temporary promotions in our price quotes above, but these can make a big difference. Some of our top picks also offer customizable service fees, letting you choose a higher fee per claim in return for lower monthly rates.
The Missouri attorney general’s office provides good advice for purchasing a home warranty (also called a service contract) in the Show Me State. In general, the office recommends reading your contract for key details and ensuring that everything is in writing, including any promises of what a plan may or may not cover.
That means if you have specific items you definitely want covered, like an air conditioner or a heating system, you must ensure your plan covers them and that it’s written in the contract.
Also keep in mind that Missouri’s cold winters and warm summers mean HVAC coverage is probably a smart idea.
Beyond just looking at your coverage list, it’s also important to understand to what extent these items are covered. Some policies may put coverage caps on repairs that leave you with an expensive out-of-pocket bill when you thought your entire repair or replacement was covered.
The key to making a smart purchase is knowing what you need from a home warranty and then making sure your policy meets or exceeds those needs.
The state’s Department of Insurance regulates all home warranty policies and service contracts in Missouri. You can check a home warranty company’s license status or file a grievance with a company on the department’s website.
In Missouri, regulations for home warranty companies are pretty standard in relation to nationwide norms. Among other requirements, home warranty contracts in Missouri must:
However, there's one unique part of Missouri’s service contract law: “Service contracts shall state the conditions upon which the use of nonoriginal manufacturers' parts, refurbished merchandise or substitute service may be allowed.” This can have a significant impact on your home, so think about how much wiggle room your contract gives the warranty provider.
Be sure to check your contract for these mandated inclusions. Not complying with local laws is a good sign that a company isn’t totally legitimate.
A home warranty might be worth it in Missouri. Out-of-pocket repairs and replacements can be extremely expensive, and Show Me State homeowners who want protection from these high costs may find stability and peace of mind by purchasing a home warranty. However, a home warranty may not be worth it if you end up spending more on your plan than you would have for repairs or replacements.
Evaluate your risk level and budget to see if a home warranty is right for you.
Warranty terms differ, but one year is a common length for a home warranty. However, longer terms of three years or more are available (often with greater savings), and although most companies don’t advertise shorter terms, you may be able to effectively get one if the cancellation policy is generous.
No, home warranties generally don’t cover preexisting conditions, though there are sometimes exceptions for preexisting conditions that were unknown to the homeowner.
ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.
To choose the top home warranty companies in Missouri, we started with the popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Missouri. We then weighted several key features to get our final rankings:
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 4.0
69,288 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
 | 4.1
11,847 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
 | 4.0
1,833 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
 | 4.2
8,709 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
| 3.8
106,358 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
| 3.7
15,191 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
| 3.5
2,599 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
 | 3.2
1,015 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
 | 2.6
570 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
 | 1.8
1,963 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
 | 1.3
297 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
 | 1.1
3,992 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
 | 1.1
6,679 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.1
299 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
 | 1.2
1,908 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
 | 1.0
811 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
 | 1.0
380 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
 | 1.0
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |
