Best Home Warranty Companies in Missouri (2024)

By Jesus Sanchez Garcia | March 1, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Before choosing a home warranty provider, consider the claims process, coverage options, price, and service reputability. To help Missouri residents decide which provider is right for them, we analyzed dozens of the best home warranty companies nationwide. From there, we selected the top providers available in the Show-Me State.

 


 

The Top 5 Home Warranty Companies in Missouri

Our team compared our recommended providers based on coverage limits, plan costs, and additional features. We also called their customer service representatives to understand how they handle service requests. The following are our top Missouri home warranty companies:

The cost data in this article is a national average based on the 120 sample quotes we requested for homes across the country. Your cost may vary based on your home’s size and type, location, and coverage selections.

 


 

Compare Missouri’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Best for Extensive Coverage
4.9
Monthly Cost : $40–$80 Service Fee : $100–$125 BBB Rating : B

Why We Chose American Home Shield

American Home Shield (AHS) stands out from other competitors because of its high coverage caps, flexible service call fees, and responsive customer support. One drawback of AHS is its limited add-on options. If you prioritize additional coverage outside typical systems and appliances, AHS may not be the best choice for you.

Benefits and Drawbacks

Benefits

Flexible pricing structure: You can choose your own service call fee with American Home Shield, which offers more flexibility than other providers.

Comprehensive coverage: Unlike other providers, AHS covers issues such as unknown preexisting conditions, items affected by rust and corrosion, and improper modification and installation.

Excellent roof-leak protection: You can get up to $1,500 per claim in roof-leak coverage with the ShieldPlatinum plan.

Drawbacks

Limited contractor flexibility: AHS will choose your contractor. You can only select a contractor if AHS cannot find one near you.

Fewer add-ons: AHS offers five add-on options, which is fewer than other home warranty providers.

Plans, Pricing, and Availability

American Home Shield (AHS) offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. Plans are $360–$894 annually with service fees of $100 or $125 per visit. Below is a coverage and pricing breakdown for AHS plans:

  • ShieldSilver ($29.99–$39.99 per month): This plan protects major systems, such as air conditioning, heating units, ductwork, built-in exhaust fans, vents, attic fans, main breakers, and fuse panel boxes. It also covers doorbells, chimes, interior electrical lines, ceiling fans, garage-door openers, interior plumbing lines, toilets, faucets, and valves, whirlpool tub motors and components, and water heaters.
  • ShieldGold ($49.99–$64.50 per month): This plan covers everything in the ShieldSilver plan plus up to $2,000 of coverage for major appliances, including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers.
  • ShieldPlatinum ($68.99–$74.50 per month): This plan protects everything in the ShieldGold plan and raises the coverage cap for appliances to $4,000. It also covers up to $1,500 for roof leaks and provides a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades.
  • Add-ons: Add-ons include the Electronics Protection Plan and guest unit, pool or spa, septic system and pump, and well pump coverage.

Coverage Caps and Exclusions

American Home Shield lists your plan’s coverage caps and exclusions in your service contract. Here are a few items we pulled from the sample service contract:

  • Appliances: Appliances are covered up to $2,000 with the ShieldGold plan and up to $5,000 with the ShieldPlatinum plan.
  • Air conditioning, heating, HVAC: AHS will cover up to $5,000 for units with up to 5-ton capacity. However, it will only pay up to $1,500 for geothermal, water source heat pumps, glycol, hot water, or steam circulating systems.
  • Plumbing: AHS covers up to $5,000 for accessible plumbing systems, but it will only pay $1,000 for systems in obstructed walls, ceilings, and floors.
  • Roof leaks: AHS covers up to $1,500 for roof leaks, but it excludes all metal roofs and items that penetrate the roof, such as skylights and roof-mounted installations, including solar panels, gutters, and downspouts.
  • General exclusions: AHS excludes routine maintenance, repair of cosmetic defects, malfunctions due to missing components, parts, or equipment, lack of capacity, and improperly sized systems.

American Home Shield Reviews

American Home Shield holds a B rating* and accreditation with the Better Business Bureau (BBB). We read over 800 positive and negative reviews and listened to dozens of customer service calls to understand how AHS handles its customer service.

Overall, customers gave positive marks on the quality of repairs done for their home items and the customer service they received. However, there were some complaints about slow response time and miscommunication.

*BBB rating is accurate as of July 2023.

Get a quick quote: Visit American Home Shield’s site

Read more: American Home Shield Review

 


 

Liberty Home Guard

Best Add-On Variety
4.5
Monthly Cost : $49–$60 Service Fee : $65–$125 BBB Rating : NR

Why We Chose Liberty Home Guard

We chose Liberty Home Guard (LHG) because it’s a great option for homeowners who want more unique coverage from their home warranty. LHG’s extensive list of add-on options expands your protection for potential home repairs to include items such as pools, spas, water softeners, plumbing fixtures, and pest control.

Benefits and Drawbacks

Benefits

➕ Unique coverage: LHG offers provides 38 add-on options, such as pool coverage

➕ Customer service chat: LHG has 24/7 live-chat feature built into their website to easily connect you with a representative if you have questions or concerns

➕ Workmanship guarantee: LHG re-services all completed repairs and replacements within 60 days at no additional charge

Drawbacks

➖ Cloudy service call fees: LHG excludes its service call fee pricing when you pull a quote

➖ Workmanship guarantee limits: LHG excludes its workmanship guarantee on repairs made by service providers outside its network

Plans, Pricing, and Availability

Liberty Home Guard (LHG) offers three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. Plans typically cost $600–$720 annually with service fees of $65–$125 per visit. Based on our conversation with a representative, LHG will assign a service fee to your account. It considers the location of your home, plan selection, and any additional coverage options you select when choosing your service call fee. Additionally, you can ask a representative about your service call fee during the quote process or review your assigned fee via your online portal after you sign up. Here is a coverage and pricing breakdown for LHG plans:

  • Appliance Guard ($49.99 per month): Covers home appliances, including your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers
  • Systems Guard ($54.99 per month): Covers home systems, such as your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater
  • Total Home Guard ($59.99 per month): Bundles the coverage of the appliance and systems plans into one comprehensive package
  • Add-ons: Liberty Home Guard offers up to 38 additional coverage options, including carpet cleaning, guest units, gutter cleaning, lawn sprinkler systems, pro-series appliances, saltwater pools, and reverse osmosis systems. You can add any add-on to the plan options above

Coverage Caps and Exclusions

Liberty Home Guard lists its coverage caps and exclusions in its fine print. A few to note include the following:

  • Appliances: Up to $2,000 per item
  • Major systems: Up to $2,000 per item
  • Electrical and plumbing: $500 per item and $250 within the first 90 days of your policy
  • Add-ons: $500 per item $250 within the first 90 days of your policy

Liberty Home Guard excludes preexisting conditions or damage that results from improper installation or modification.

Liberty Home Guard Reviews

Liberty Home Guard holds an A+ rating from the BBB. Through our research, we found that LHG customers enjoyed the claims experience due to its user-friendliness and quick over-the-phone service. One negative is that some customers noted LHG does not cover labor costs when a technician completes a repair.

Get a quick quote: Visit Liberty Home Guard’s site

Read more: Liberty Home Guard Review

 


 

Select Home Warranty

Best Budget Coverage
3.9
Monthly Cost : $44–$48 Service Fee : $65–$75 BBB Rating : B

Why We Chose Select Home Warranty

We chose Select Home Warranty due to its unique inclusion of roof-leak protection with every coverage plan. Its base plans offer basic coverage for your home systems and appliances at an affordable price point. However, its coverage caps are significantly lower than many other home warranty providers.

Benefits and Drawbacks

Benefits

Roof-leak coverage: All of Select’s plans include up to $400 in roof-leak coverage

Generous HVAC coverage: Select provides a $3,000 coverage cap for air conditioning and heating systems

Annual discounts: Select provides two extra months of coverage when you pay annually

Drawbacks

Low coverage caps: Select limits appliances to $500 per claim–lower than other competitors

Fewer add-ons: Select provides limited add-on options compared to other providers

Service call fee per claim: Select charges a service call fee per filed claim, meaning you could be charged twice if you have multiple issues to address during a technician’s visit

Plans, Pricing, and Availability

Select Home Warranty offers three protection plans: Bronze Care, Gold Care, and Platinum Care. Its standout feature is the inclusion of limited roof-leak coverage. Select covers up to $400 with all plan tiers. Plans cost between $533–$573 annually, with a service fee of $60–$75 per claim. A Select representative we spoke with stated Select will grant you a lower service call fee if you sign-up over the phone.

More than 50% of the Trustpilot reviews we read rated Select Home Warranty four stars or higher. Many reviewers appreciated how easy it was to sign up for coverage. One customer mentioned that Select’s representative explained its coverage clearly and concisely. However, other customer reviews we read lamented Select’s inconsistent customer service. Down below is a coverage and pricing breakdown for Select’s protection plans:

  • Bronze Care ($44.42 per month): Includes coverage for your home’s appliances, including your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher
  • Gold Care ($44.42 per month): Protects built-in systems, such as your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork
  • Platinum Care ($47.75 per month): Covers everything in the Bronze Care and Gold Care plans, plus garage door openers and ceiling fans
  • Add-ons: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, well pump

Coverage Caps and Exclusions

Select Home Warranty’s coverage caps are lower for appliances and select systems. We outlined notable coverage caps below:

  • Appliances: Covered up to $500 per appliance
  • Air conditioning, heating, and HVAC: Covered up to $3,000 per plan term
  • Electrical and plumbing: Covered up to $500 per covered item
  • Roof-leak coverage and other add-ons: Up to $400 per covered item
  • General exclusions: Only covers systems and appliances in a single-family dwelling, individual condominium units, townhouses, and modular homes. Monthly premiums may vary. It only covers systems and appliances properly and permanently installed and located within the living area of the home. Excludes coverage for systems or appliances in commercial properties or residential properties used for business purposes. Also excludes preexisting conditions

Select Home Warranty Reviews

Select Home Warranty holds a B- BBB rating. We looked through more than 1,000 Google and Trustpilot Reviews from existing customers. We found many customers enjoyed Select’s knowledgeable service providers. Others, however, disliked the difficulty to connect with a representative when filing a claim or making changes to their home warranty plan.

Get a quick quote: Visit Select Home Warranty’s site

Read more: Select Home Warranty Review

 


 

First American Home Warranty

Best for Systems Coverage
4.7
Monthly Cost : $45–$70 Service Fee : $75–$125 BBB Rating : B

Why We Chose First American Home Warranty

First American Home Warranty (FAHW) is one of our top picks for comprehensive coverage, particularly for kitchen appliances. FAHW also offers competitive pricing and includes a generous add-on package in two of its plans. This upgrade is great for homeowners who want more coverage for a variety of repair costs, such as crane rentals and debris removal.

Benefits and Drawbacks

Benefits

➕ Generous coverage caps: Offers a $3,500 for all covered appliances in the Starter and Essential plans, and many home systems have an unlimited coverage limit

➕ First American Advantage Upgrade: First American bundles this upgrade package that expands the coverage of the Essential and Premium plans. It covers additional components, debris disposal, code upgrades, and other costs

➕ Flexible Simple service fee model: First American provides three different service call fees: $75, $100, or $125.

Drawbacks

AC not included: First American excludes air conditioning coverage in the Starter Plan. It is only available as an add-on if you opt for the Starter Plan

Limited service provider options: First American doesn’t allow you to choose your technician unless there isn’t a contractor within First American’s network near you.

Plans, Pricing, and Availability

First American Home Warranty offers three protection plans: the Starter Plan, Essential Plan, and Premium Plan. Plans cost between $564 and $912 annually with a service fee of $75, $100, or $125 per visit. The Starter Plan and Essential Plan cover a mix of major appliances and systems. The Premium Plan increases protection by raising its coverage limit per appliance and select systems. However, note that First American’s Starter Plan doesn’t cover air conditioning equipment, but coverage can be added for $8.33 per month. Here is the plan and pricing breakdown for First American coverage:

  • Starter Plan ($47–$61 per month): Protects built-in microwave, dishwasher, ductwork, electrical, heating, and plumbing systems, kitchen range hood, oven/cooktop, plumbing stoppages, refrigerator, and toilet tank
  • Essential Plan ($57–$66 per month): Covers everything in the Starter Plan. It also covers air conditioning, ceiling, attic, and exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage-door openers, trash compactors, and water heaters
  • Premium Plan ($72–$76 per month):  Protects everything in the Essential Plan and includes central vacuum and full garage door systems, faucets, garbage disposals, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
  • Add-ons: Additional refrigeration, central air conditioning (electric, Starter Plan only), HVAC tune-up, limited roof-leak repair, pool, and spa equipment, septic tank pumping and system, water softeners, well pump

Coverage Caps and Exclusions

First American Home Warranty’s sample contract highlights system and appliance coverage caps and exclusions. The most notable exclusions and coverage caps are the following: 

  • Appliances: Covers up to $3,500 per appliance in the Starter and Essential plans. The Premium Plan doubles coverage limits to $7,000
  • Air conditioning and heating systems: Provides an unlimited coverage cap for heating and cooling, but air conditioning is only available as an add-on in the Starter Plan; geothermal or water source heat pumps or combination water heater/heating units may be limited to $1,500 per claim
  • Plumbing and electrical: Unlimited coverage limit, but coverage may be reduced to $500 if technicians have to access it through concrete walls, floors, or ceilings. The Premium Plan increases the access limit to $1,000
  • Add-ons: Coverage limits may vary per item. For example, First American limits additional refrigeration to $500 and well pumps to $1,500 per plan term
  • General exclusions: First American excludes commercial-use properties, construction costs, hazardous or toxic materials, and shared systems coverage

First American Home Warranty Reviews

First American holds a B rating* with the BBB. Our team listened to dozens of customer service calls and thoroughly analyzed online reviews left by customers on sites such as Trustpilot and the BBB.

Overall, customer reviews for FAHW are positive. Customers enjoy First American’s quick service and high coverage limits. However, some reviewers were dissatisfied with the company’s lack of coverage in 18 states and the company’s communication.

Get a quick quote: Visit First American Home Warranty’s site

Read more: First American Home Warranty Review

 


 

AFC Home Warranty

Best Membership Perks
4.4
Monthly Cost : $44–$97 Service Fee : $75–$125 BBB Rating : B

Why We Chose AFC Home Warranty

We chose AFC Home Warranty for its plan variety, lengthy workmanship guarantee, and suite of additional benefits that come with any tier of plan coverage.

Benefits and Drawbacks

Benefits

Plan customization: AFC offers customizable plans via four coverage plans and three service call fee options

Long repair guarantee: AFC provides a workmanship guarantee that extends the life of your plan per completed repair

Additional protection: Includes security perks such as identity protection and free credit monitoring services

Drawbacks

Coverage limitations: Doesn’t cover items with preexisting conditions

Restricted coverage caps: AFC limits reimbursement for covered items older than five years to their depreciated value

Plans, Pricing, and Availability

AFC HomeWarranty offers four plan options. Plans cost between $435 and $649 annually with services fees of $75–$125 per claim. Additionally, AFC provides an extensive workmanship guarantee and additional membership perks. Down below is a coverage and pricing breakdown for AFC protection plans:

  • Silver Plan ($36.25–$40.55 per month): Covers essential appliances, such as your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener
  • Systems Plan ($43.17–$48.55 per month): Covers your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork.
  • Gold Plan ($50–$51.95 per month): Combines the coverage of the two basic plans into one comprehensive package
  • Platinum Plan ($51.95–$54.13 per month): Includes all the items in the Gold Plan plus coverage for built-in microwaves, faucets, ice makers, and plumbing stoppages
  • Add-ons: Built-in microwave, central vacuum, double oven, electronic coverage, hot water dispenser, ice maker, in-ground pool, septic system, stand-alone freezer, sump pump, tankless water heater, and well pump

Note: Our quote did not include ductwork in the Systems Plan. When we reached out to the provider for clarification, a representative informed us that this confusion resulted from a clerical error. However, all plans that cover systems will also cover ductwork.

Coverage Caps and Exclusions

In general, AFC offers similar coverage terms compared to other home warranty providers. Here are a few key limitations and exclusions to consider:

  • Appliances: Up to $3,000 per covered item
  • Systems: Prorated coverage based on the depreciated value of systems five years or older
  • Add-ons: Varies by item (e.g., $500 for pool and spa equipment, sump pump, and well pump, but $200 for central vacuums)
  • General exclusions: Malfunction or improper operation due to rust or corrosion, collapsed ductwork, known or unknown preexisting conditions, routine maintenance, cosmetic defects, and secondary damage caused by an uncovered item

AFC Home Warranty Reviews

AFC Home Warranty holds a B rating* from the BBB. We reviewed hundreds of customer reviews on the BBB website and Google Reviews to determine that AFC has an overall positive rating from existing customers.

Positive reviews mention AFC Home Warranty’s friendly and knowledgeable customer service representatives and relatively short hold times. The biggest complaints customer reviews shared was coverage claims being denied due to technicalities. We recommend you review your service contract and plan options carefully with any provider before signing up.

Get a quick quote: Visit AFC Home Warranty’s site

Read more: AFC Home Warranty Review

 


 

Home Warranty Regulations in Missouri

Missouri regulates home warranty companies via its Department of Insurance (DOI). The DOI follows the legislature of MO Statute §§ 385.200-385.220. This statute highlights requirements home warranty providers must follow before selling service contracts in Missouri. For example, providers must maintain a net worth of 100 million dollars to pay out consumer claims adequately.

Several industry organizations also regulate home warranties. For instance, the National Home Service Contract Association (NHSCA) is a nonprofit industry organization made up of member companies that follow a code of ethics.

 


 

How to Choose the Right Home Warranty

Due to the seemingly endless number of options, choosing the right home warranty can be challenging. Here are five tips to ensure you select the right provider the first time:

 


 

Our Recommendation

A home warranty can protect your Missouri home from an inconvenient system or appliance breakdown. Home warranty providers also send vetted service providers to your home, saving you time. American Home Shield is our top pick due to its generous systems, appliances, and guest unit coverage. We also recommend Liberty Home Guard because it protects up to two HVAC systems in its standard plans. Our final recommendation is Select Home Warranty, which charges competitive prices and includes roof-leak protection in each plan. Before choosing a home warranty, we suggest reading sample contracts to understand the exact coverage terms.

 


 

Missouri Home Warranty Companies FAQ

What is a workmanship guarantee?

A workmanship guarantee is an industry term describing a provider’s repair guarantee. The industry standard for a workmanship guarantee is 30 days after a repair. Some providers, such as Liberty Home Guard and AFC Home Warranty, offer a lengthier workmanship guarantee.

What is the builder warranty in Missouri?

A builder warranty differs from a home warranty because builder warranties cover the materials, mechanical systems, and workmanship of a new home’s structural components. A home warranty doesn’t cover your home’s structural components.

What are the most common add-ons offered by home warranties?

The most common add-ons offered by home warranties include the following: additional refrigeration, pool and spa, roof-leak coverage, septic systems, sump pumps, and well pumps. Generally, each provider has its own list of add-on options.

What is the difference between homeowners insurance regulation and home warranty regulation?

The main difference between homeowners insurance regulation and home warranty regulation is homeowners insurance is much more tightly regulated. Homeowners insurance companies must obtain a license from the National Association of Insurance Commissioners and the Federal Insurance Office, plus any licenses required by the state in which it does business. Home warranty companies must be licensed in certain states but not at the federal level.

 


 

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.