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Best Home Warranties in Missouri

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    Author picture
    Written by Taylor Sansano
    Edited by Vincent Landino

    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.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,933,926 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include American Home Shield, Choice Home Warranty, Select Home Warranty, America’s 1st Choice Home Club and American Residential Warranty.
    • To find the best home warranty in Missouri for you, read through your contract and make sure key details are addressed.
    • A home warranty in Missouri typically costs about $35 to $90 from one of our top picks.

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      Our 5 Missouri home warranty picks

      Here are our favorite home warranty companies in Missouri, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in Missouri on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Missouri, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Our top pick overall American Home Shield AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield’s plans include coverage for up to 23 major systems and appliances and protect more than 2 million members nationwide. You can also customize a plan to fit your needs by tailoring your service fee or adding optional coverage. Claims can be made by phone or online through its portal, and repairs are backed by a 30-day guarantee.

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

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$44.83 to $59.83$54.83 to $69.83$74.83 to $89.83
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$44.83 to $59.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$54.83 to $69.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$74.83 to $89.83$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in St. Louis at the time of publishing

      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.

      Robin from St. James wrote, “We're very happy with the great service that we've gotten since we've had American Home Shield.”

      “Having a home warranty saved me 590-something dollars for the parts and the repair,” shared Michael from St. Robert. “I submitted the claim to American Home Shield on a Saturday morning, and the AC guy contacted me within an hour and set up an appointment for Monday morning.”

      Jacqueline from St. Louis had a bad experience with another home warranty company, but AHS proved different: “I had a different warranty company before … and I did not like them. Every time they came to my house, they were so rude. So, I switched to American Home Shield to get better providers. … They did a good job and were very thorough. The contractor that came out was great.”

      Our pick for quality technicians Choice Home Warranty AUTHORIZED PARTNER
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      Choice Home Warranty has covered more than 1 million homes across the country. Claims can be made online or by phone, and repairs are completed by one of the over 15,000 trained contractors in its network. In the event that a replacement is unavailable, CHW offers cash payment options too.

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

      Basic planTotal plan
      Monthly premium cost*$46.67$55.00
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$46.67$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$55.00$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in St. Louis at the time of publishing

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

      Marilyn from Kansas City praised “Scott with Phoenix Elect. … He kept hunting problem until he found problem and he fixed it. I would recommend using Phoenix Elect to all Electric problems. I also give thanks to Choice Warranty for recommending Scott ** with Phoenix Electric.”

      Harvey from St. Louis wrote that “Joe from Rescue Rooter Pros was professional and quick. He handled our problems, answered our questions and was very courteous. I would recommend him to anyone. As an older person who no longer can do the heavy lifting of home repair the home warranty gives my wife and I peace of mind.”

      Our pick for low service fees Select Home Warranty AUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      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.

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$52.50$52.50$58.33
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$52.50Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$52.50Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$58.33Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in St. Louis at the time of publishing

      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.

      “Our current home warranty provider decided to raise our annual fee even though we had no claims,” wrote Alan from Smithville. “We decided to check some other options and thankfully, we called Select. Looking forward to working with them long term. Sounds like they have a good three year plan for seniors and military.”

      Breion from Florissant also took advantage of a multiyear offer, “First time home buyer here! … I was helped save additional extra money on my plan plus additional years added. … Great customer service!”

      Despite these reviews, Select Home Warranty isn’t our pick for long-term contracts because it’s unclear if the company currently offers these incentives.

      Our pick for long-term contracts America's 1st Choice Home Club AUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: 1 or 3 years
      • Service fee range: $75, $100 or $125

      On the other hand, America’s 1st Choice Home Club is transparent about its multiyear plans. AFC sells home warranty plans that cover up to 24 home appliances and systems, and 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 contacts). Prices are locked in upon signing, 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. The monthly costs below are based on a 12-month payment plan over one year of coverage. With a three-year contract, your monthly costs will be higher, but the payment term is only 20 months of the 36 you’re covered for.

      Systems PlanSilver PlanGold PlanPlatinum Plan
      Monthly premium cost*$39.58 to $43.75$33.33 to $37.50$45.83 to $50$50 to $54.17
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwavesAdd-onAdd-onAdd-on
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Systems Plan$39.58 to $43.75$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Silver Plan$33.33 to $37.50$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Plan$45.83 to $50$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Plan$50 to $54.17$75, $100 or $125Add-onAdd-onAdd-onAdd-on

      *For a home in St. Louis at the time of publishing

      Reviews for America’s 1st Choice Home Club in Missouri are solid, and Missouri residents seem pleased with the company’s knowledgeable salespeople. This includes Cody from Columbia, who wrote, “No complaints! Well informed sales man who was very knowledgeable and answered my questions. Hopefully the next three years with the company will be just as smooth if I ever need to use the warranty, which I hope I don’t need to!”

      Yamil from Springfield had similar compliments: “Great customer service and follow up. Connor was very knowledgeable and him and his manager got me a great deal. Huge weight lifted off of my shoulders. Now me and my family can rest easy knowing AFC has us covered.”

      Our pick for customer service American Residential Warranty AUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: Month to month
      • Service fee range: Varies

      American Residential Warranty 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. With ARW, claims must be submitted by phone, though.

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

      Kitchen plusHeating & coolingPlatinumPlatinum premier
      Monthly premium cost*$34.99$39.99$49.99$59.99
      Service call fee*VariesVariesVariesVaries
      Built-in microwavesAdd-on
      Clothes dryersAdd-onAdd-onAdd-onAdd-on
      Clothes washersAdd-onAdd-onAdd-onAdd-on
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      PlumbingAdd-onAdd-onAdd-on
      Water heatersAdd-on
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigeratorAdd-onAdd-onAdd-onAdd-on
      Septic pump
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

      *At the time of publishing

      American Residential Warranty’s Missouri reviews are decent, and the company gets fairly consistent praise for its customer service.

      Doris from Florissant wrote, “Mr. ** was very kind. And considerate about my situation and I appreciate everything he did. He took the time to find out everything that was going on with my bill. I love everything he did for me. Thank God for people like him that is so wonderful!!??”

      Carol from Joplin also had a good experience: “Arthur was very professional. He went above and beyond to help me and assure me that everything would be handled appropriately. I would definitely recommend your company to anyone. When I needed help your company was right there to provide the needed service.”

      Tips for choosing a home warranty plan in Missouri

      st louis missouri skyline

      The Missouri attorney general’s office actually provides good advice for purchasing a home warranty (also called a service contract) in the Show Me State. In general, they recommend 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. In a state like Missouri, with cold winters and warm summers, HVAC coverage is probably a smart idea too.

      More than 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

      In Missouri, regulations for home warranty companies are pretty standard compared 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 decently unique part of Missouri’s service contract law, stating: “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.

      ... 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.

      All home warranty policies and service contracts in Missouri are regulated by the state’s Department of Insurance. You can check a home warranty company’s license status or file a grievance with a company on the department’s website.

      Missouri home warranty FAQ

      How much does a home warranty cost in Missouri?
      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.

      Is a home warranty worth it in Missouri?
      It certainly can be. 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 will your home be 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.

      Bottom line

      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, cost resource and coverage resource.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Missouri Attorney General, “Warranties.” Accessed November 28, 2021.

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