Best Home Warranties in Missouri

We compared 19 companies and chose the top home warranty providers

    • American Home Shield
      3.8(106,358)
    • Choice Home Warranty
      4.0(69,288)
    • Select Home Warranty
      3.7(15,191)
    +1 more

    Best Home Warranties in Missouri

    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 5 Missouri home warranty picks

    1. Our top pick overall: American Home Shield
    2. Our pick for quality technicians: Choice Home Warranty
    3. Our pick for low service fees: Select Home Warranty
    4. Our pick for long-term contracts: AFC Home Warranty
    5. Our pick for customer service: ARW Home

    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.

    Below are our favorite home warranty companies in Missouri, based on local reviews and company offerings.

    2025 Buyers Choice Award Winner
    American Home Shield
    Number of plans
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99

    American Home Shield’s plans include coverage for up to 24 major systems and appliances and cover more than 2 million members nationwide. You can also customize a plan to fit your needs by tailoring your service fee or opting for additional coverage. Claims can be made by phone or online through the portal, and repairs are backed by a 30-day guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    Reviews for American Home Shield in Missouri are extremely positive. Looking at the local reviews submitted in our analysis period, AHS has more than 24 times as many 5-star reviews as 1-star reviews, and that’s not an anomaly — it also has the most total local reviews of the companies on this guide.

    Kris from Prairie Village, Kansas (a town that borders Missouri), had a policy with AHS for 10 years but wasn’t happy with the communication after making an air conditioning claim: “My AC went out 9 days ago and it is July in Kansas which means the humidity is basically the same as the outside temperature. I have called several times each day and they are still unable to give me a timeline of when it will be fixed.”

    Kris said, “The temperature is an actual health risk right now, so I’ve had to vacate my home and the humidity is murdering my hardwood floors and home office equipment. They won’t even let you talk to a supervisor when you ask. Just put you on hold for three minutes and then tell you the supervisors are too busy. You’re better off saving the monthly premium and handling equipment problems yourself.”

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Buyers Choice Award Finalist
    Choice Home Warranty
    Number of plans
    2
    Service fees
    $100
    Starting costs
    $46.83

    Choice Home Warranty has covered more than 2 million homes across the country as of publishing. You can make claims online or by phone, and repairs are completed by one of the over 25,000 trained contractors in the company’s network. In the event that a replacement is unavailable, CHW offers cash payment options.

    We’ve compared this company’s plans based on select coverage items below.

    Missouri reviews for Choice Home Warranty are good, and people frequently mention the great technicians the company sends out.

    Michille from Crystal City wasn’t happy with her experience: “We have been without A/C since May 25, 2024. Our tech was not dispatched until June 7th, it was deemed we needed a replacement I made my necessary payment to CHW that day. One week later we still have had no contact by Sears, come to find out our work order was cancelled.”

    Michille continued, “Neither CHW nor Sears said they could do anything to remedy the situation. I finally got ahold of a representative at CHW who states they reopened the work order and expedited it but still have no verification that anything is in process. I'm very upset and dissatisfied with the level of customer service received.”

    2025 Buyers Choice Award Winner
    Select Home Warranty
    Number of plans
    3
    Service fees
    $75 to $100
    Starting costs
    $60.42

    Select Home Warranty offers home warranty policies for various types of homes, including condos and multifamily properties. Each plan offers coverage for all makes and models of appliances and home systems as long as they’re properly maintained and in working condition when you purchase. Home inspections are not required, though.

    You can file a claim on its website or by email. Select Home Warranty does not limit the number of covered repairs throughout the life of your warranty.

    We’ve compared this company’s plans based on select coverage items below.

    Select Home Warranty has good reviews in Missouri, and interestingly, several reviewers mentioned multiyear contracts despite that not being an option in the company’s online quote tool. So it’s probably worth contacting the company directly if you’re interested in a long-term commitment.

    Kim from St. Louis didn’t have a pleasant experience: “Purchased a home warranty from Select Home. Had the policy 3 months and went to turn on our air conditioner and it would not come on. Took 3 weeks to get something done then we were told they would not cover it. It was an electrical problem which was covered, but it had leaked freon because of it. We were told they did not cover freon. But then we were later told they would not cover it because we hadn't had our policy long enough.”

    1x Award Winner
    Selected for having one of the highest satisfaction rates for Best Overall Value
    Our pick for long-term contracts
    AFC Home Warranty
    Number of plans
    4
    Service fees
    $75 or $125
    Starting costs
    $30

    AFC sells home warranty plans that cover up to 24 home appliances and systems. You have the option to choose your own repair technician or be assigned one from AFC’s network.

    All repairs are guaranteed for the life of the plan (even on three-year contracts). Prices are locked in once you sign, and coverage can begin immediately on recently bought homes if you’re OK with a home inspection.

    We’ve compared this company’s plans based on select coverage items below.

    Reviews for AFC Home Warranty in Missouri are solid, and Missouri residents seem pleased with the company’s knowledgeable salespeople.

    Some customers have mentioned issues with coverage, poor customer service and difficulty in getting claims approved.

    Our pick for customer service
    ARW Home
    Number of plans
    3
    Service fees
    $125
    Starting costs
    $49.99

    ARW Home offers customizable home warranty policies that can be bundled or tailored to fit your needs and budget. All plans also include a 30-day window after purchase where policies can be adjusted as needed.

    One thing to keep in mind: With ARW, claims must be submitted by phone.

    We’ve compared this company’s home warranty plans based on select coverage items below.

    ARW Home’s Missouri reviews are decent, and the company gets fairly consistent praise for its customer service.

    A few customers have expressed frustration due to the upfront payment requirement for estimates and the lack of refund processing.

    Home Warranties in Missouri Buyers Guide

    Jump into our guides and start learning

    Top Picks

    See who reviewers like

    American Home Shield logo
    Choice Home Warranty logo
    Select Home Warranty logo
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      Missouri home warranty buyers guide

      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

      Key insights

      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 insight

      When 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 insight

      In 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 insight
      st louis missouri skyline

      How much does a home warranty cost in Missouri?

      Home 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.

      How to choose a home warranty in Missouri

      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.

      Home warranty regulations in Missouri

      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:

      • Be easy to read and understand
      • Include information about pricing and cancellation
      • Clearly state any limitations or exclusions

      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.

      FAQ

      Is a home warranty worth it in Missouri?

      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.

      How long is my home under warranty?

      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.

      Do home warranties cover preexisting conditions?

      No, home warranties generally don’t cover preexisting conditions, though there are sometimes exceptions for preexisting conditions that were unknown to the homeowner.

      Methodology

      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:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      Guide sources

      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:

      1. Missouri Attorney General, “Consumer Protection.” Accessed May 19, 2025.

      Not sure how to choose?

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