Our research team vetted 19 home warranty companies that are rated by more than 848 customers in Missouri. Read our guide to choose the best home warranty in Missouri for you by comparing plans, contract lengths and service fees.
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 but may impact the order in which companies appear.
Our editor’s top picks
Below are our favorite home warranty companies in Missouri, based on local reviews and company offerings.
Jump into our guides and start learning
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.
Missouri home warranty plans from our top picks cost between roughly $35 and $90 per month without add-ons or discounts. Many options below $65 per month are available in Missouri, though.
Your cost depends on the coverage and company you choose. Plans on the cheaper end of the spectrum usually include less coverage, but more comprehensive coverage usually costs more as well.
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.
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.
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 26 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:
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. For more general information about buying a home warranty, read over our national home warranty guide and our home warranty cost and home warranty coverage articles.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
