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Best Home Warranties in Missouri

We compared 19 companies and chose the top home warranty providers

    • Cinch Home Services
      4.1(11,485)
    • First American Home Warranty
      4.2(8,572)
    • Choice Home Warranty
      4.0(65,789)

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      Best Home Warranties in Missouri

      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.

      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 but may impact the order in which companies appear.

      Our editor’s top picks

      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,572,091 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 Missouri home warranty picks

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

      American Home Shield

      3.9
      103,728 reviews
      Buyer's Choice Award Winner
      Number of plans
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99
      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

      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.

      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.”

      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.”

      Choice Home Warranty

      4.0
      65,789 reviews
      Buyer's Choice Award Finalist
      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.

      Marilyn from Kansas City praised the tech that came out to fix his issue: “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 told us, “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.”

      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.”

      Select Home Warranty

      3.0
      14,426 reviews
      Number of plans
      3
      Service fees
      $60 or $75
      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.

      “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.

      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.”

      AFC Home Warranty

      2.6
      2,240 reviews
      Buyer's Choice Award Winner
      Number of plans
      4
      Service fees
      $75 or $125
      Starting costs
      $30
      3x Award Winner
      Selected for having one of the highest satisfaction rates for Best Customer Service, Best Technicians and Best Value for Price

      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. 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.”

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

      ARW Home

      3.7
      2,566 reviews
      Buyer's Choice Award Winner
      Number of plans
      3
      Service fees
      $100
      Starting costs
      $49.99
      1x Award Winner
      Selected for having one of the highest satisfaction rates for Best Customer Service
      Special Offer

      Get 2 months FREE

      2 free months of coverage on a home warranty

      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.

      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.”

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

      st louis missouri skyline

      Tips for choosing a home warranty plan 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.

      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?

      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 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.

      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 26 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.

      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 and our home warranty cost and home warranty coverage articles.

      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 Oct. 21, 2024.

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