Best overall
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Missouri
- Best overall
American Home Shield3.6(112,060) - Quick service
Liberty Home Guard4.6(2,068) - Technicians
Choice Home Warranty4.2(79,101)
By:
Taylor Sansano
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Missouri
American Home Shield is the best home warranty company in Missouri, thanks to strong HVAC coverage and positive local reviews from verified customers. In a state where furnaces and air conditioners work hard for much of the year, a home warranty can help you plan for the unexpected — especially when a major system fails.
Home warranty plans extend to everyday appliances too, including refrigerators, cooktops and washers. Missouri homeowners generally pay between $40 and $100 a month for coverage.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,977,715 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.
Key insights
American Home Shield is our top recommendation in Missouri because it pairs broad system coverage with strong heating and cooling limits — important for the state's year-round HVAC demands.
Jump to insightThe average monthly cost of a home warranty in Missouri is $65.57. Annual premiums typically range from $480 to $1,200. Plans generally include a service fee of $75 to $150 per visit.
Jump to insightThe best plans are those that don't sacrifice furnace protection for AC coverage (or vice versa).
Jump to insightOur 4 home warranty company picks in Missouri
- Best overall: American Home Shield
- Best for quick service: Liberty Home Guard
- Best technicians: Choice Home Warranty
- Best claims handling: HomeSafe
We analyzed home warranty providers available in Missouri using verified ConsumerAffairs reviews, plan and pricing details and service-fee structures. We prioritized companies that perform well locally — especially on heating and cooling claims — and balanced that against cost, contract flexibility and added benefits.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare Missouri home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
112,060 reviews
112,060 reviews
| Best overall | $29.99 | $100 or $125 |
 Liberty Home Guard | Get a Quote | 4.6
2,068 reviews
2,068 reviews
| Quick service | $49.99 | $65 to $125 |
 Choice Home Warranty | Get a Quote | 4.2
79,101 reviews
79,101 reviews
| Technicians | $49.17 | $100 |
 HomeSafe | Learn More | 4.3
808 reviews
808 reviews
| Claims handling | $69 | $65 |
Our 4 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 for quick service
- Plans available
- Appliance Guard, Systems Guard, Total Home Guard
- Monthly premium range
- $49.99 to $59.99
- Service fees
- $65 to $125
- Labor guarantee
- 365-day workmanship warranty
Best technicians
- Plans available
- Basic and Total
- Monthly premium range
- $49.17 to $57.50
- Service fees
- $100
- Labor guarantee
- 60 days
Best claims handling
- Plans available
- Appliances, Systems and Best Home
- Monthly premium range
- $69 to $79
- Service fees
- $65
- Labor guarantee
- 60 days
Best home warranty companies by city
Home Warranties in Missouri Buyers Guide
Jump into our guides and start learning
In this guide
Homeowners in Missouri constantly battle AC failures in the summer’s humidity and furnace breakdowns during winter ice storms. A home warranty helps stabilize a household budget against these predictable but expensive emergencies.
How to choose a home warranty in Missouri
The best home warranty for you starts with understanding your specific needs and comparing plan details, sample contracts and genuine customer feedback. Here’s how you can confidently select the right plan:
1. Decide what coverage you need
First, decide if you want coverage for just appliances, just systems or both. If your kitchen and laundry appliances are older but your heating and plumbing are newer, an appliance-only plan might be enough. If you’re more concerned about expensive breakdowns in your furnace or plumbing, consider a systems plan. Many opt for combination plans to get broader coverage.
A plan with a high payout for your furnace is essential for the long winters. Ensure the plan offers robust add-ons for your well pump and septic system. HVAC coverage should also be considered, especially as wildfire smoke can strain systems.
2. Compare costs
Don’t just look at monthly premiums — make sure to account for service fees, which typically range from $75 to $150 per visit. These can stack up if you file multiple claims throughout the year.
Pay attention to coverage caps and review the costs of optional add-ons like roof leak protection or extra appliances. Sometimes, paying a little more up front can mean bigger savings later on.
It may help to think about what you might still pay out of pocket if the covered amount doesn’t match what you actually need. James in Cameron described how replacement limits shaped his decision: "They ended up replacing both appliances, but I had to pay for the dishwasher and had to use both the gift cards I received to get a refrigerator. The refrigerator they offered wasn't comparable to my old one."
Plus, in a large, rural state like Missouri, the value of a warranty is not just the repair cost, but the access to a vetted network of technicians. A plan from a provider with a strong service network in your area is worth a higher premium.
3. Review sample contracts
Always check out sample contracts online to see exactly what’s covered. Look for any exclusions or waiting periods, and make sure you know the process for filing a claim or canceling.
Read the contract's terms for the well pump and septic system add-ons to understand exactly which components are covered. Also, check for any clauses related to service in remote or hard-to-reach areas.
4. Read customer reviews
Customer feedback is a powerful window into what it’s like to use a home warranty. Look for consistent themes in reviews about claim speed, technician quality and customer service.
Look for reviews from other residents of Missouri or similar regions. Pay attention to comments about the availability and quality of technicians in less populated areas, as this is a key challenge for warranty providers in the state.
» MORE: How to buy a home warranty
How much does a home warranty cost in Missouri?
A home warranty in Missouri costs $65.57 per month, on average. Home warranty premiums generally range from $40 to $100 per month, depending on the plan. The average cost of a home warranty in Missouri is 3.1% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Missouri for a three-bed, two-bath home in Kansas City.
| Provider | Monthly premium range* | Service call fee |
 | $39.99 to $99.99 | $100 or $125 |
 | $49.99 to $59.99 | $65 to $125 |
 | $49.17 to $57.50 | $100 |
 | $69 to $79 | $65 |
| $39.99 to $99.99 | $100 or $125 |
| $49.99 to $59.99 | $65 to $125 |
| $49.17 to $57.50 | $100 |
| $69 to $79 | $65 |
*Data from July 2026
Monthly or annual premiums
You can pay for your home warranty by the month or annually, with annual payments often resulting in discounted rates.
Service call fees
Every time you request a technician, you’ll pay a service fee — usually between $75 and $150. Some companies let you pick your fee when you enroll, which can lower your monthly costs if you choose a higher deductible.
Add-on coverage
Many home warranty companies let you customize your plan with add-ons like roof leak repair, extra refrigerators or well pumps. These typically run $2 to $25 per month, depending on what you add.
Other home warranty cost factors
Home warranty pricing depends on:
- Home size: Larger homes usually have higher premiums
- Level of coverage: Cheaper plans cover fewer items
- Location: Warranty prices in Missouri are influenced by the high demand for heating system repairs during long winters. The logistics and travel costs associated with servicing a large, sparsely populated state also contribute to the overall pricing.
- Discounts: Many companies offer deals for multiyear contracts or other promotions
Example: Total annual home warranty costs
- Systems plan ($65 per month): $780 per year
- Add-on for well/septic ($15 per month): $180 per year
- Three claims ($100 service fee): $300
- Total: $1,260 per year
What does a Missouri home warranty cover?
Missouri home warranty plans usually come in three types: appliance coverage, systems coverage and combo plans. Appliance plans often protect your fridge, dishwasher, oven, built-in microwave, washer and dryer.
Systems plans are geared toward critical home systems like heating, plumbing, electrical, water heaters and ductwork — all essential in Missouri’s climate. Combo plans give you the most complete package.
You can also add coverage for items like well pumps, septic systems and roof leaks. Well pump and septic system add-ons are important in Missouri’s rural areas. Roof leak protection is also useful given heavy snowfall and spring melt.
Reviewers' experience filing home warranty claims in Missouri
- Jessica in St. Louis likes how a home warranty can turn a surprise breakdown into a predictable cost. After her washer acted up, she said, "I filed a claim and the next day, a technician was at my house fixing the issue! $75 service fee and they fixed my washer for me!" The updates helped her relax.
Key takeaway: Fast claims can turn big repairs into only a small service fee
- Felicia in Lees Summit knew a Friday-night claim wouldn’t move instantly, so she braced for a wait. Still, by Monday, the process picked up when “the technician contacted me early Monday morning, and they came to look at my unit.” He was professional, thorough and fast.
Key takeaway: Even with quick technician scheduling and service, there could be a delay
- Kevin in Republic filed a furnace claim and paid the $125 fee, only to hit a wall. “They have the technician come out. I paid the $125 service fee. ... The problem happened internally in the unit. But they denied it, denied it, denied it, denied it. So, I ended up going and buying the $600 part and fixing it myself. That was yesterday. It was hot, and I was mad.
Key takeaway: If claims are denied, you will be stuck paying for it
How much can you save with a Missouri home warranty?
Your actual savings depend on what breaks and how often, but a single big repair can quickly outweigh the cost of a warranty. The Consumer Financial Protection Bureau recommends budgeting 1% to 3% of your home’s value per year for maintenance — often much more than the $700 to $1,200 you’d pay for a home warranty and a few service fees.
If you face just one major repair, your plan could pay for itself and then some.
Average repair/replacement costs for covered items
In a state like Missouri, where temperature extremes from cold winters to warm summers test HVAC systems and hard water causes wear on water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Missouri without a home warranty:
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
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.
Do home warranties cover well pumps and septic systems in Missouri?
Some home warranties cover well pumps and septic systems in Missouri. These items are generally offered as optional add-ons, so rural homeowners should confirm the coverage limits for each system before enrolling.
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.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in Missouri are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Missouri homeowners' most frequent complaints, we capture that in our review analysis.
- Heating system coverage (35%): Winters in Missouri put furnaces and heating systems under heavy strain. We weighted each company by its heating coverage caps and how it handles freeze damage, since a failed furnace in Missouri is an emergency, not an inconvenience.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Missouri. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
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:
- Missouri Attorney General, “Consumer Protection.” Accessed July 14, 2026.
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Compare Top Missouri Home Warranty Companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.6
112,060 reviews
| Offers three home warranty plans with varying levels of coverage. Add-on coverage available. Thirty-day workmanship guarantee. Plans start at $29.99 per month. Discounts and promotions available. Available in 48 states. | Get a Quote |
|
Liberty Home Guard
| 4.6
2,068 reviews
| Coverage starts at $1 per day. Customizable plans. More than 20,000 technicians in network. Discounts for multiple properties. 365-day workmanship guarantee. Offers month-to-month, annual and multiyear plans. | Get a Quote |
|
Choice Home Warranty
| 4.2
79,101 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 |
|
HomeSafe
| 4.3
808 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read Reviews |
ARW Home
| 4.4
3,038 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 |
Cinch Home Services
| 4.1
12,662 reviews
| Offers three combined systems and appliance home warranty plans. Monthly fees range from $27.99 to $89.99. Service fees range from $100 to $150. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
First American Home Warranty
| 4.1
9,150 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 |
Prestige Home Guard
| 4.2
10 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read Reviews |
Old Republic Home Warranty
| 3.8
2,449 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read Reviews |
Select Home Warranty
| 3.6
16,692 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Priority Home Shield
| 3.6
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 |
Regency Total Warranty
| 3.0
1,196 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read Reviews |
Global Home USA
| 3.2
16 reviews
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read Reviews |
Super
| 3.1
451 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read Reviews |
HomeServe
| 1.7
2,159 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 $4.99 a month. | Read Reviews |
First Premier Home Warranty
| 1.6
704 reviews
| Offers two combination systems and appliance plans. More than 20 add-on items available. Contracts are transferable to a new owner. Workmanship guarantee of 30 days for labor and 90 days for parts. Available in 49 states. | Get a Quote |
America's Preferred Home Warranty
| 1.5
18 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read Reviews |
Achosa Home Warranty
| 1.4
12 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read Reviews |
Sears Home Services
| 1.1
586 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read Reviews |
2-10 Home Buyers Warranty
| 1.1
6,834 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read Reviews |
GE Service Contracts
| 1.1
375 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 |
Home Warranty of America
| 1.1
4,068 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 |
ServicePlus Home Warranty
| 1.1
1,984 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 |
HSA Home Warranty
| 1.2
334 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 |
The Home Service Club
| 1.2
826 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 $54 per month for standard coverage, with deductibles from $65 to $125. | Read Reviews |
AFC Home Warranty
| 1.0
2,283 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read Reviews |
Home Warranty Inc
| 1.0
24 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read Reviews |
Frontdoor
| 1.0
31 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | Read Reviews |
American Home Protect
| 1.0
138 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $85 to $100 service fee. Unlimited claims for covered repairs. | Read Reviews |
A.B. May Home Warranty
| 1.0
View profile
| Services Kansas City in Kansas and Missouri. In 2023, performed over 50,000 repairs. Offers 24/7 emergency response and wears shoe covers. Provides coverage for rental properties. 24/7 emergency response time. | Read Reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read Reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read Reviews |
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