The 6 Best Home Warranties in Missouri | 2022
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Best Overall
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Best Basic Plan
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Best Coverage Upgrade
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Best Add-on Options
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Best Membership Perks
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Best for Contractor Choice
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Best Discounts
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Best Plan Variety
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Whether you live in St. Louis or Kansas City, a home warranty can save Missouri residents time and money when an important system or appliance breaks down. Any items that suffer failures due to normal wear and tear will be covered, and your home warranty provider will send a certified technician to your home to perform a quality repair or replacement.
Our research team rounded up the best home warranty companies in the industry to help you find a provider you can trust.
Missouri's Top Home Warranty Companies
Best Overall: American Home Shield
Best Basic Plan: Choice Home Warranty
Best Coverage Upgrade: First American Home Warranty
Best Add-on Options: Liberty Home Guard
Best Membership Perks: Cinch Home Services
Best for Contractor Choice: Priority Home Warranty
1. Best Overall: American Home Shield
Number of Plans: 3
Average Monthly Cost: $40–$58
Service Fee: $75, $100, or $125
Our Take
American Home Shield (AHS) has been a home warranty provider since 1971, and its complete home warranty coverage combined with its excellent service makes it our top pick for Missouri homeowners. AHS covers appliances and systems regardless of their age and protects items with pre-existing conditions. Additionally, customers don't need to undergo a home inspection to purchase a plan.
AHS offers three plans:
ShieldSilver™: Coverage on 14 major systems
ShieldGold™: Coverage on 23 systems and appliances
ShieldPlatinum™: Coverage on 23 systems and appliances, plus increased coverage caps and features like roof leak coverage
Additionally, if you need extra coverage, the provider also has several add-on options. One popular add-on is the electronics coverage, which covers valuable personal electronics like your laptop, TV, gaming consoles, and smart home devices.
Additionally, American Home Shield customers can choose a standard service fee of $75, $100, or $125, with a higher service fee lowering the monthly premium. If you're fine with paying a little more each month, opt for a $75 service call fee.
To get a free quote from American Home Shield, fill out this simple online form or call 844-529-9298.
2. Best for Older Homes: Choice Home Warranty
Number of Plans: 2
Average Monthly Cost: $41–$50
Service Fee: $85
Our Take
Choice Home Warranty offers simple plan structures, has an inexpensive service fee, and provides a handful of additional coverage options. Choice doesn't require a home inspection before coverage begins and it covers appliances and systems regardless of their age. Its Basic Plan is among the top basic plans in the industry.
CHW offers two plans:
Basic Plan: Covers 14 essential appliances and systems
Total Plan: Includes everything under Basic Plan, plus coverage for air conditioning, refrigerator, and laundry appliances
Choice Home Warranty promises to initiate service within four hours of receiving a claim, although your technician may not arrive for 48 hours. Additionally, all items come with a $3,000 coverage limit for service.
For more information, get a free online quote or call a Choice Home Warranty agent at 929-400-6165.
3. Best Coverage Upgrade: First American Home Warranty
Number of Plans: 2
Average Monthly Cost: $25–$39
Service Fee: $75–$125
Our Take
First American Home Warranty has been serving Missouri residents since 1984, and its nationwide network of contractors is ready to fix your problems. The company offers the best coverage upgrade in the home warranty industry, the First Class Upgrade. This upgrade covers costs not typically covered by home warranties, such as hauling away old items and permit upgrades.
FAHW offers two plans:
Basic Plan: Covers appliances
Premier Plan: Covers all Basic Plan items, plus essential home systems
Even though air conditioning isn't covered by either plan, you can add it on as an optional item for a small fee each month.
To get a free quote from First American Home Warranty, fill out this simple online form or call 800-891-9778.
4. Best Add-on Options: Liberty Home Guard
Number of Plans: 3
Average Monthly Cost: $39.99–$59.99
Service Fee: $60
Our Take
Since 2017, Liberty Home Guard has proved to be one of the most dependable providers in the home warranty industry. All of Liberty's technicians are strictly vetted to ensure quality and a 60-day guarantee comes with all repairs. Liberty offers more add-ons than any other provider on our list.
LHG offers three plans:
Appliance Guard: Covers only appliances
System Guard: Covers only systems
Total Home Guard: Covers both appliances and systems
In addition to Liberty's three plans, the company offers 27 add-on options.
Liberty's service fee is among the lowest in the industry at just $60. The company is able to keep its prices low by utilizing volume discounts from suppliers. Instead of profiting off of these savings, Liberty passes them on to homeowners.
To learn more about Liberty Home Guard and its excellent service, request a free online quote or call 866-452-9107.
5. Best Membership Perks: Cinch Home Services
Number of Plans: 3
Average Monthly Cost: $27.99–$61.99
Service Fee: $100, $125, or $150
Our Take
Cinch Home Services is one of the most experienced home warranty providers. Since its founding in 1978, Cinch has delivered quality repairs and replacements, offering price flexibility and service guarantees rarely found among home warranty companies. For example, all plans come with a 180-day service guarantee, which is one of the longest in the industry.
Cinch offers three plans:
Appliances Plan: Covers appliances
Built-in Systems Plan: Covers systems
Complete Home Plan: Covers an impressive 31 items and protects against important systems and appliances like air conditioning, heating system, and garage door openers
All plans come with a free water sensor to detect leaks and a credit for a new air filter or water filter. Cinch's Complete Home Plan also comes with a $500 home insurance deductible reimbursement for certain items.
Additionally, Cinch covers damage caused by rust and corrosion as well as unknown pre-existing conditions. One downside to Cinch is that the company has slightly higher service fees than the industry average. However, you have the flexibility to choose your own fee and choosing a higher fee will give you a lower monthly rate.
To get a free quote from Cinch Home Services, fill out this simple online form or call 888-520-1711.
6. Best for Contractor Choice: Priority Home Warranty
Number of Plans: 3
Average Monthly Cost: $33 or $47 per month
Service Fee: $70
Our Take
Priority Home Warranty is a fast-growing home warranty company with a unique contractor selection policy. While some home warranty companies allow customers to choose their own contractor, Priority goes a step further by reimbursing customers for the cost of hiring a contractor, allowing homeowners to use a local technician they trust for covered repairs or replacements.
Priority Home Warranty offers three plans:
Systems Home Care: Covers major home systems, including your air conditioning and heating system
Appliance Home Care: Covers home appliances, such as your refrigerator, dishwasher, and garbage disposal
Total Home Care: Covers the systems and appliances included in Systems Home Care and Appliance Home Care
In addition to Priority Home Warranty's three plans, the company offers 20 add-on options for items such as your ice maker, septic system, and well pump.
Priority Home Warranty plans range from $33–$47 per month, regardless of location, and come with a $70 service call fee. Prices for additional coverage range from $3 on items like an ice maker or second freezer to $27 for a saltwater pool system.
Get a free quote from Priority Home Warranty by filling out this short online form or calling 954-228-2343.
Home Warranty Rating Methodology
The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.
Here's what our review process looks like:
We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.
We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:
Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.
Frequently Asked Questions
What is a coverage limit?
A coverage limit is the maximum dollar amount that your home warranty provider will pay for a covered item. For example, if your coverage limit on an item is $2,000, all repairs will be covered up to that limit, but you'll be responsible for paying any remaining balance. Consult your contract to determine your coverage limits, as they may differ between items.
What is a service fee?
A service fee acts as a deductible and usually costs between $75 and $125. When you request service on a covered item, you'll pay the service fee upfront and your warranty provider will pay for most or all of the repair or replacement costs.
Is a home warranty worth it?
Unlike homeowners insurance, a home warranty plan protects important systems and appliances, like your plumbing and water heater, that can unexpectedly break down due to normal wear and tear. Not only does a home warranty cover essential items, but it also saves you time and money—and prevents you from paying out of pocket for expensive repairs. Before deciding on a home warranty provider, we recommend requesting free quotes from several companies to compare their coverage and pricing options.
