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.
Most Missouri home warranty plans also include coverage for common household appliances like dishwashers, dryers and water heaters. Based on quotes we reviewed, plans in Missouri typically run about $27.99 to $99.99 per month, depending on coverage level and service-fee choices.
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 insightIn Missouri, the average home warranty costs $66.94 per month, with annual pricing typically ranging from $335 to $1,200, depending on the plan.
Jump to insightThe best plans are those that don't sacrifice furnace protection for AC coverage (or vice versa).
Jump to insightWe 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.
| Company | Customer rating | Our pick for | Starting costs | Service fee | Covered systems | Covered appliances | Available plans | Roof leak coverage? | |
|---|---|---|---|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
110,617 reviews
110,617 reviews
| Best overall | $29.99 | $100 or $125 | 14 | 9 | 3 | Add-on |
 Regency Total Warranty | Learn More | 3.8
1,109 reviews
1,109 reviews
| Furnace coverage | $44.99 | $60 to $100 | 6 | 13 | 2 |  |
 Choice Home Warranty | Get a Quote | 4.0
75,156 reviews
75,156 reviews
| Quick service | $46.83 | $100 | 9 | 8 | 2 | Add-on |
 Old Republic Home Protection | Learn More | 3.9
2,205 reviews
2,205 reviews
| Claims handling | $50 | $100 or $125 | 10 | 10 | 3 |  |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Missouri on ConsumerAffairs.
Jump into our guides and start learning
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.
Because of the distinct seasonal shifts, homeowners should prioritize plans that offer equally strong coverage for heating units and air conditioning systems.
Jump to insightIn Missouri, the average home warranty costs $66.94 per month. Depending on your plan, annual premiums range from $335 to $1,200. Service fees are usually $75 to $150 per visit.
Jump to insightThe 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 insightThe 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:
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.
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: "I had to pay for the dishwasher ... My only concern was with the availability of models within the covered price range, especially since I wanted a specific style that wasn't on offer."
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.
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.
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
On average, a Missouri home warranty costs $66.90 per month. Plans generally range from $28 to $102 per month, depending on your needs and the provider you choose. Missouri’s average price is about 1.1% lower than the national average.
We received quotes for each of our top picks in Missouri for a three-bed, two-bath home in Billings.
| Provider | Monthly premium range* | Service call fee |
|---|---|---|
 | $39.99 to $99.99 | $100 or $125 |
 | $60 to $100 | $44.99 to $49.99 |
 | $46.83 to $54.75 | $100 |
 | $50 to $80 | $100 or $125 |
*Data updated January 2026
You can pay for your home warranty by the month or annually, with annual payments often resulting in discounted rates.
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.
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.
Home warranty pricing depends on:
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
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.
Key takeaway: Fast claims can turn big repairs into only a small service fee
Key takeaway: Even with quick technician scheduling and service, there could be a delay
Key takeaway: If claims are denied, you will be stuck paying for it
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.
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 |
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.
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.
No, home warranties generally don’t cover preexisting conditions, though there are sometimes exceptions for preexisting conditions that were unknown to the homeowner.
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:
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.
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:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.6
110,617 reviews
| 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. | Get a Quote |
|
Regency Total Warranty
| 3.8
1,109 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 |
|
Choice Home Warranty
| 4.0
75,156 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 |
|
Old Republic Home Protection
| 3.9
2,205 reviews
| 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. | Read reviews |
Prestige Home Guard
| 4.6
9 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 |
Liberty Home Guard
| 4.5
1,669 reviews
| 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. | Get a Quote |
HomeSafe
| 4.4
569 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,874 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
| 4.2
12,387 reviews
| 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. | Read reviews |
First American Home Warranty
| 4.1
8,969 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 |
Select Home Warranty
| 3.8
16,324 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 |
Achosa Home Warranty
| 1.9
9 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 |
HomeServe
| 1.6
2,099 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 $7.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
651 reviews
| 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. | Get a Quote |
GE Service Contracts
| 1.3
345 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 |
ServicePlus Home Warranty
| 1.3
1,957 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 |
Super
| 1.3
434 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 |
America's Preferred Home Warranty
| 1.4
14 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 |
Sears Home Services
| 1.1
443 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
| 1.2
6,746 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 |
Home Warranty of America
| 1.0
4,037 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 |
HSA Home Warranty
| 1.0
320 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
819 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 $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,280 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 |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Frontdoor
| 1.0
26 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
Home Warranty Inc
| 1.0
18 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 |
Global Home USA
| 1.0
View profile
| 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 |
Priority Home Shield
| 1.0
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 |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | 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 |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | 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. | |
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 |
AHW Home Warranty
| 1.0
384 reviews
| 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. | Read reviews |
