Best Home Warranty Companies In missouri 2024

Missouri’s wild weather strains home systems and appliances, and tornadoes, floods, and storms add to the worry. A home warranty protects your essentials, offering peace of mind and repair coverage. We researched the best home warranty companies in Missouri to save you time and money!

Our Picks: 6 Best Home Warranty Companies For missouri Residents

We have listed the top home warranty companies in Missouri. Learn about their coverage options, pricing, and the pros and cons of each. Make an informed decision and protect your home today!

Highly Rated By Customers

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

Choice for optional add-ons
Higher coverage limits per contract term
Competitive pricing

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three home warranty service plans for Mississippi homeowners: Elite Appliances, Elite Systems, and Elite Complete. The company’s standard service fee is $70. However, customers can pay an additional amount to select ‘$0 service call fee’ until five claims. The coverage cap is up to $7,000 and $8,000 per contract.

Here are the elaborative pricing details:

Plans	Premium (Monthly)
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Includes 8 essential appliances for the functioning of your home
Coverage for appliances such as garbage disposals, dishwashers, and more
Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

Has coverage for 8 major home systems
Covers household items such as air conditioning, plumbing, etc
Ideal for homeowners to prioritize protection for vital home systems

Elite Complete

Comprehensive coverage for household items
Includes everything from both the other plans at a competitive price
Suitable for homeowners looking to purchase an all-inclusive plan

Why We Picked It?

Elite Home Warranty has been able to capture market share because of its timely customer service, competitive pricing, and network of technicians. You can select any plan from their portfolio to avoid the hustle and bustle of regular repairs.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Coverage for homes up to 5000 sq ft without extra fee
Discounts on multi-year plans
Free coverage for roof leaks

Cons

Lower coverage limit on the plans

Plans, Cost & Coverage

Choice offers two plan options for its customers: the Basic Plan and the Total Plan, priced at $46 and $55 per month, respectively. In addition, a service call fee of $75 to $125 will apply each time you request service. The company provides a coverage limit of up to $3,000 annually for access, diagnosis, repair, or replacement of covered items.

Let’s understand CHW’s plans and costs in detail.

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$55.87	$660

Basic Plan

Covers 14 essential systems and appliances of your Missouri home
Suitable for homeowners looking for standard coverage

Total Plan

Includes coverage for 18 systems and appliances, encompassing major items such as AC, refrigerator, and others
Designed to meet the needs and budgets of homeowners, offering peace of mind and protection for their most valuable asset

Why We Picked It?

With affordable plans and comprehensive coverage, Choice Home Warranty has become popular for Missouri homeowners. With over 1,650,000 households served and a network of 25,000 contractors, Choice Home Warranty offers reliable and cost-effective home protection.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$79 - $139

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Generous coverage for covered items
Covers unknown pre-existing conditions
Option to choose deductibles

Cons

Only 30-day workmanship is offered

Plans, Cost & Coverage

American Home Shield offers three of home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. In Missouri, the monthly plans start from $79.99 and go up to $139.99. The coverage limits provided by the company for appliances and systems are up to $4,000 and $5,000, respectively.

Let’s look at the cost and plan details below for further explanation.

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$79.99	$99.99	$129.99
Cost at $100 Service Call Fee	$89.99	$109.99	$139.99

ShieldSilver

- Covers up to 14 major systems
- Limited coverage limits
- Considerable for homeowners looking for coverage for essential home systems

ShieldGold

- Along with Electrical, Plumbing, & HVAC, covers kitchen and laundry appliances
- Moderate coverage with appliance limits up to $2,000
- Suitable for homeowners seeking coverage systems and kitchen appliances

ShieldPlatinum

- Extensive coverage for 24 home systems and appliances
- The maximum coverage plan from AHS includes benefits like free HVAC tune-up.
- Comparatively expensive but provides extensive coverage

Why We Picked It?

American Home Shield has been in the home warranty industry since 1971 and is known for its extensive plans, coverage for pre-existing problems, and member discounts. It is a popular choice for Missouri homeowners looking for reliable and comprehensive home appliances and systems protection.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

A good network of contractors
Discounts on annual plans
Same-day response on claims

Cons

Lower appliances limits

Plans, Cost & Coverage

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The monthly plans start at $44.42, and the annual plans start at $479.99. Select offers a coverage limit of $3,000 for HVAC and $2,000 for other systems and appliances.

Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Covers eight major household appliances
Suitable for Missouri residents looking for a budget-friendly plan for appliance repair in Missouri

Gold Plan

Offers coverage to 6 essential home systems for $44.42
The coverage includes HVAC, plumbing, water heater, electrical, and other essential systems
Ideal for homeowners seeking coverage for essential home systems

Platinum Plan

Comprehensive coverage plan covering 17 systems and appliances
Including every system and appliance from the other two plans, plus plumbing stoppages, garage door openers, and ceiling fans
Best-suited for homeowners looking for comprehensive coverage with a monthly budget of less than $50

Why We Picked It?

Select Home Warranty brings a decade of experience in the home warranty industry to the table. Its strong reputation and extensive coverage make it a popular choice in Missouri. It is especially appealing to those looking for roof coverage because the company includes it for (limited) free as part of their plans.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers live chat option for customers
Total pest control service available
Extensive add-ons list

Cons

Lesser coverage caps

Plans, Cost & Coverage

Liberty Home Guard offers three options for its customers: the Appliance Guard, the System Guard, and the Total Home Guard. The plans start at $49 per month, and the company charges a flat service fee of $90 per visit.

Here is a detailed analysis of the cost and plans offered by Liberty Home Guard:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

Offers protection for nine major appliances in your Missouri home, such as ovens, microwaves, refrigerators, and dishwashers
Appliances that break down due to normal wear and tear are covered
Suitable for homeowners looking for a comprehensive coverage plan specifically for appliances

Systems Guard

Coverage for six essential home systems, including HVAC, electrical, and plumbing
Repairs and replacements for any covered systems up to $500
Considerable for Missouri residents willing to protect their essential home systems

Total Home Guard

Provides comprehensive coverage that encompasses all elements included in the previous plans
Comprehensive protection for nearly 15 home systems and appliances
Homeowners seeking comprehensive coverage can opt for LHG’s TotalHome Guard plan

Why We Picked It?

The Liberty Home Guard has developed a network of 10,000 contractors to provide prompt customer service. It offers complete pest control services, 24/7 customer support, and extensive coverage of home appliances and systems, which are some of the main reasons for its popularity.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$37 - $43

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

Regular Discounts on all Plans
90-day Guaranteed Service
Affordable Pricing

Cons

No coverage for system-or-appliance-only plans

Plans, Cost & Coverage

ServicePlus Home Warranty offers Gold and Platinum plans, priced at $37.46/month and $43.71/month, respectively. ServicePlus offers an aggregate coverage limit of $1,500 for covered appliances and systems in a year.

	Gold Plan	Platinum Plan
Cost/Month	$37.46	$43.71
Cost/Annum	$349	$424

Gold Plan

Gold Plan covers 15 systems and appliances such as garage door opener, heating, electrical, kitchen appliances, and plumbing
Ideal for homeowners seeking diverse coverage at under $40/month

Platinum Plan

The Platinum Plan covers 20 household items
The plan includes everything in Gold Plan, plus heating/AC, refrigerator, washer, and dryer

Why We Picked It?

ServicePlus Home Warranty offers cost-effective and comprehensive coverage for your home appliances and systems. The company’s plans start at just $2 per day, making it an affordable option for homeowners. They offer a variety of coverage options and quality service. Overall, it is one of the preferred home warranty providers in Missouri.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Is Home Warranty Plans Beneficial For Missouri Homeowners?

Simply Yes! How? Let’s find out the reasons below.

Missouri’s hot, humid summers with 200 sunny days can stress cooling systems, leading to breakdowns and malfunctions.
In the state, air conditioner repairs can cost up to $6,500. Having a home warranty for your major system can be beneficial.
Missouri's humidity levels can lead to plumbing problems such as leaks and clogs. Water pressure during the cold is also a reason for breakage in pipes.
Severe thunderstorms in Missouri, especially from August to October, can result in power outages and damage to electrical systems, leading to malfunctions and outages.
Heavy rain of up to 47 inches and occasional snow and ice storms can cause roof damage and leaks, and regular repairs are needed.
Missouri's climate can contribute to the breakdown of appliances such as refrigerators, washers, and dryers.
Appliances and systems can also break down for other reasons, such as irregular or no maintenance, rust, or abuse.
Overall, Missouri homeowners must consider a home warranty for major home items to tackle the financial strain that may appear from unforeseen repairs.

How Much Does A Missouri Home Warranty Cost?

Here’s how much you can expect to pay in Missouri for a home warranty.

Average Annual Cost

$400 - $700

Average Monthly Cost

$44 - $139

Average Service Fee (Deductible)

$60 - $125

Let’s discuss the factors that affect home warranty costs in Missouri and provide you with valuable insights to help you make an informed decision.

Coverage Options: The type and extent of coverage you choose will significantly impact the cost of your Missouri home warranty. Basic plans that cover essential appliances and systems will be more affordable than comprehensive plans that include additional items such as roof leaks or electronics.
Deductibles: Home warranties often come with deductibles that must be paid during each service visit. Opting for a higher deductible can lower your overall costs, but make sure you can afford the out-of-pocket expense when needed.
Location: The cost of home warranties in Missouri can vary by location. From St. Louis to Springfield, every city may have a different pricing. Other factors like local repair costs and weather conditions may also impact pricing. When obtaining quotes, specify that you want coverage in Missouri for accurate pricing.
Age and Condition of Home: Older homes or properties with outdated systems may be more expensive, as they are more prone to breakdowns and require more maintenance. Be prepared for higher costs if your home is older or needs repairs.

Home Warranty Coverage In Missouri

This section will discuss the general coverage of home warranties, common exclusions, and additional points to consider when selecting the best home warranty company in Missouri.

General Coverage Of Missouri Home Warranty

Appliances Coverage for essential appliances such as refrigerators, dishwashers, ovens, and microwaves to make sure if anything goes wrong, a home warranty is there to help!
HVAC Systems Missouri’s weather can affect your Heating, ventilation, and air conditioning systems. Coverage for these can keep your homes comfortable.
Plumbing Coverage for plumbing systems, including leaks, clogs, and water heaters, is common in Missouri home warranties.
Electrical Systems Missouri is prone to heavy rains, which may cause damage to electrical wiring, outlets, and circuit breakers. Having a home warranty for these systems can be beneficial for Missouri residents.

Common Exclusions

Pre-Existing Conditions Most home warranty providers do not cover pre-existing conditions or issues before purchasing the policy.
Neglect & Misuse A home warranty may not cover damage caused by neglect, misuse, or lack of maintenance.
Cosmetic Repairs Home warranties typically do not cover cosmetic repairs or upgrades, such as paint touch-ups or flooring replacements.
Acts of Nature Damage caused by natural disasters, such as floods or earthquakes, is generally excluded from home warranty coverage.

Here Are Some Additional Points To Consider

Coverage Limitations Home warranty plans have coverage caps or limits on the amount that can be paid out for repairs or replacements.
Deductible Home warranties often have a deductible or service call fee that must be paid by the homeowner to the technician during each service visit.

Who regulates Home Warranty Companies In Missouri?

In Missouri, home warranty companies are regulated by the agencies listed below:

Missouri Department of Insurance (DOI) While the DOI doesn't directly regulate home warranty companies, they may investigate companies if they receive consumer complaints alleging deceptive sales practices or unfair claim denials. This indirect oversight can help companies operate with a baseline level of fairness.
Missouri Attorney General's Office Home warranty contracts in Missouri fall under the state's Unfair Trade Practices Act (UTPA). The Attorney General's Office enforces the UTPA, prohibiting deceptive and unfair business practices. This means companies cannot mislead you with their advertising or engage in deceptive sales tactics during the selling process.

Final Word

When selecting a home warranty provider in Missouri, it's essential to do your research and compare different options. Consider coverage limits, service fees, exclusions, and customer reviews to make an informed decision. Ultimately, the best home warranty provider for you will be the one that offers the most comprehensive coverage at a price that fits your budget.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Is The Average Home Warranty Cost In Missouri?

The average home warranty cost in Missouri is $400 – $700. However, the cost may vary based on warranty providers, plans, and coverage limits.

What Are The Other Home Warranty Companies The Citizens Of Missouri Can Consider?

Elite Home Warranty & AFC Home Club are a couple of other home warranty companies the citizens of Missouri can consider apart from the best home warranty companies stated above.

Do Home Warranty Companies Cover Pest Control In Missouri?

Home warranty companies typically do not cover pest control services as part of their standard coverage. However, there are a few companies like Liberty Home Guard that cover pests control under optional add-ons.

What Are The Most Commonly Reported Appliance Repairs In Missouri?

In Missouri, particularly in cities like St. Louis and Kansas City, common appliance repairs often involve issues with air conditioning units due to hot summers, refrigerator malfunctions, and problems with washing machines.