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Best Home Warranties in Missouri

We compared 36 companies and chose the top home warranty providers

    • Best overall
      Cinch Home Services
      4.1(12,260)
    • Value
      American Home Shield
      3.7(109,269)
    • Quick service
      Old Republic Home Protection
      3.9(2,091)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Cassidy McCants

    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.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,809,857 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 5 home warranty company picks in Missouri

    1. Best overall: Cinch Home Services
    2. Best value: American Home Shield
    3. Best for quick service: Old Republic Home Protection
    4. Best technicians: Choice Home Warranty
    5. Best claims handling: Regency Total Warranty

    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.

    Our 5 Missouri home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Missouri on ConsumerAffairs.

    Best overall

    Cinch Home Services

    Cinch Home Services
    4.1
    12,260 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch is our top pick thanks to its reliable claims process and rapid response when emergencies hit. With a 180-day workmanship guarantee and three service fee choices, Cinch is flexible enough for both budget shoppers and those looking for premium coverage. We also like that Cinch often contacts contractors within two hours of filing a claim.

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

    Most Missouri reviewers say Cinch offers peace of mind, easy online claims and contractors who often resolve problems efficiently.

    “Submitting a claim with Cinch was effortlessly done online … I was impressed with the contractors sent by Cinch. They were friendly, knowledgeable, and communicated clearly. They explained how they fixed the AC leak and refilled the refrigerant, even giving us a glimpse of their process. Since the repair, my AC has been running perfectly.”
    Parker Oak Grove, MO
    “My experience submitting claims with Cinch is straightforward. I do it online and the process is easy. … One of the things I appreciate most about Cinch is that the contractors are pre-screened, eliminating the need to search online or elsewhere for services.”
    Twania Bridgeton, MO
    “Cinch is a great value for the price. It provides a peace of mind, that whenever something goes wrong, you don't have to pay exorbitant out-of-pocket expenses to fix or repair something in your home. They have great service. Easy, fast, efficient and affordable.”
    Drake Kansas City, MO

    While many Missourians appreciate Cinch when things go right, some warn that billing mistakes and communication problems can sour the experience. John from Lees Summit shared his frustration: “The tech I worked with was good and he knew what he was doing. But I was to be charged $100 and I got charged $200. They did it the first time, said, ‘That'll be backed out.’ Nothing ever got backed out and I ended up paying double what I had to.”

    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,269 reviews
    Number of plans
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    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.

    Local AHS reviewers highlight fast fixes, easy online claims and professional techs.

    “I have been a customer for almost 24 years, and over the years, I've used my warranty for various issues. Recently, our refrigerator's ice maker stopped working due to a freon leak, and they replaced the entire refrigerator in less than a week. The technicians have always been top-notch, especially the latest ones. Throughout the years, American Home Shield has replaced our hot water heater, furnace, central vacuum, and even the components of our hot tub at our last house.”
    Robin Saint James, MO
    “I needed my washer repaired. It wasn't draining water properly, so I submitted a claim through the app of AHS, which was extremely easy to navigate. I was informed about the contractor's arrival time in advance, and they even contacted me on the morning of the appointment. The contractor arrived a little early, was very professional, and managed to fix the pump and agitator within 35 minutes.”
    Michael Park Hills, MO
    “My dryer wasn't staying hot and the technician identified a faulty part that appeared melted, ordered a new one, and fixed the issue. During that time, he also checked my washer, addressing all the problems efficiently. The repair process was quick, and the technician was very professional and knowledgeable.”
    Cynthia Saint Louis, MO

    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
    Best for quick service

    Old Republic Home Protection

    Old Republic Home Protection
    3.9
    2,091 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $50
    Labor guarantee
    None specified
    Read Reviews

    Old Republic offers broad plan customization and fast repairs. Missouri residents appreciate transparent pricing and the ability to tailor coverage to fit their needs, along with a reputation for reliable local contractors who work efficiently.

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

    Missouri reviewers highlight fast response times, professional contractors and strong customer service.

    “I am very pleased with my experience with ORHP. The response time has been nice and the customer care has been outstanding keeping me informed every step of the way. And your vendors have been terrific.”
    Janice Blue Springs, MO
    “Recently, we encountered an issue with our water heater. I contacted Old Republic by phone … I reached someone in less than five minutes, and a service provider was dispatched to our home within 24 hours. The problem was diagnosed and fixed in under 15 minutes. Since then, we have had no further issues with the water heater.”
    Jordan Grandview, MO
    “I love Old Republic. I've had them for 20 years and everything's been good. The customer service as well as the contractors are excellent. I've been telling everybody about them for years.”
    Tammy Kansas City, MO

    While many Missourians highlight fast response times, contractor coordination can still falter. One St. Charles homeowner described going weeks without AC and chasing answers this way.

    Best technicians

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,453 reviews
    Number of plans
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    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.

    Missourians praise quick assignments, pro technicians and easy online claims with Choice.

    “I have not had issues with CHW. Technicians are assigned usually within 48 hours. The technicians are very professional and knowledgeable about the product they are repairing.”
    Bridget Florissant, MO
    “Quick response and approval from online claim using Home Choice website. No hassle. Very pleased with the technician assigned. Excellent communication throughout the entire process.”
    Greg Kansas City, MO
    “Technician was able to arrive 24 hours earlier than scheduled which was good considering the heat. He speedily repaired the A/C unit, we were pleased with courtesy of and skill the technician. Unit seems to be working fine since he repaired the unit.”
    Claude Pevely, MO

    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.”

    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,028 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty is our pick for quick, hassle-free claims. Regency’s EssentialGuard and TotalGuard plans make it easy to protect both your home’s systems and appliances with one policy. We also like the flexible add-on options and seasonal discounts.

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

    Missouri reviewers praise Regency’s courteous reps, quick dispatches and clear explanations.

    “I phoned Regency Total Warranty because my cooling unit was running and but not cooling and it was costing me electricity for no reason. The rep Max responded promptly and sent a contractor immediately. After next few hours a technician came, he was a good guy and very professional. He fixed the problem and explained what had occurred.”
    Ethel Kansas City, MO
    “I am completely satisfied and surprised with the Regency Total Warranty services. They handled the claim situation very well, Max the rep listened to my problem and immediately took action and got a repair man who called me and came on time to fix the issue and replaced the necessary parts.”
    Charles Poplar Bluff, MO

    Regency is a new home warranty company that has only been in business since 2024. If you’re looking for a company with a longer track record, you’ll have to look elsewhere.

    Best home warranty companies by city

    Home Warranties in Missouri Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Cinch Home Services logo
    American Home Shield logo
    Old Republic Home Protection logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      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

      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

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Missouri, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Missouri but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • 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 charges to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      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 Sept. 30, 2025.

      Not sure how to choose?

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