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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:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- First American Home Warranty : Best for Home Systems Coverage
- America’s 1st Choice Home Club : Best Membership Perks
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
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
Get a quick quote: Visit American Home Shield’s site
Read more: American Home Shield Review
Liberty Home Guard
Get a quick quote: Visit Liberty Home Guard’s site
Read more: Liberty Home Guard Review
Select Home Warranty
Get a quick quote: Visit Select Home Warranty’s site
Read more: Select Home Warranty Review
First American Home Warranty
Get a quick quote: Visit First American Home Warranty’s site
Read more: First American Home Warranty Review
America’s 1st Choice Home Club
Get a quick quote: Visit America’s 1st Choice Home Club’s site
Read more: America’s 1st Choice Home Club 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:
- Assess your needs.
- Compare providers.
- Check provider reputation.
- Review their fine print.
- Understand the claims process.
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 Club, 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.