Best Home Warranty Companies in Missouri
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Reviewed by
To help with your search for a home warranty company, we reviewed the best home warranty companies in the nation and selected the top providers for Missouri. We chose Liberty Home Guard as our top home warranty company recommendation. We determined our selections by comparing plan costs, coverage options, and additional perks.
Key Takeaways
Missouri’s Top 4 Home Warranty Companies
The highest-rated Missouri home warranty companies include the following:
We compared coverage plans, pricing, benefits, and customer reviews to determine the four best home warranty providers in Missouri.
Summary of the Best Home Warranty Companies in Missouri
| Monthly Cost in MO | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| Liberty Home Guard | | $49–$59 | $65–$125 | Up to 48 hours | NR | VISIT SITE |
| American Home Shield | | $49–$109 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Elite Home Warranty |  | $44–$58 | $70 | Up to 48 hours | A+ | VISIT SITE |
| Select Home Warranty |  | $44–$47 | $60–$75 | 48-84 hours | B- | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Monthly Cost in MO | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | NR |
| American Home Shield | |
|---|---|
| Logo |
 |
| Monthly Cost in MO | $49–$109 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Elite Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost in MO | $44–$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Monthly Cost in MO | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| BBB Rating | B- |
| Company | BBB Rating | Monthly Cost in MO | Service Fee | Visit Site |
|---|---|---|---|---|
| NR | $49–$59 | $65–$125 | VISIT SITE | |
| B | $49–$109 | $100–$125 | VISIT SITE | |
| A+ | $44–$58 | $70 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,000-square-foot, single-family home in Saint Louis, Missouri. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Reviews of Home Warranty Companies in Missouri
Liberty Home Guard
Best Customer Ratings
American Home Shield
Best for Comprehensive Coverage
Elite Home Warranty
Best for Flexible Coverage
Select Home Warranty
Best Value
How Are Home Warranties Regulated in Missouri?
Our research shows Missouri’s Department of Insurance (DOI) regulates motor vehicle service contracts through Missouri statute §§ 385.200-385.220. The statute doesn’t mention if home warranty companies fall under the same jurisdiction as automobile service contracts. However, if you own a home warranty and your provider won’t resolve your dispute, you can submit an online complaint with the DOI.
Although there isn’t a clear governmental body that enforces home warranty regulation, some organizations do. For example, the National Home Service Contract Association (NHSCA) and Service Contract Industry Council (SCIC) are industry associations that oversee member home warranty companies. The NHSCA requires member companies to follow a code of ethics, while the SCIC works with state regulators to pass consumer protection laws.
How Much Does a Home Warranty Cost in Missouri?
A home warranty in Missouri costs $57 per month on average, or $546-$948 annually.
The cost of a home warranty in Missouri depends on several factors. If you want more comprehensive coverage, you’ll typically pay 10%–15% more for a plan. Where you live in Missouri could also affect your home warranty cost. Companies usually charge more or exclude coverage entirely in areas determined as high-risk.
Annual Home Warranty Cost Calculator
We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
|
Microwave |
$50–$400 |
$60–$2,000 |
|
Dishwasher |
$50–$500 |
$400–$3,000 |
|
Exhaust Fans |
$16–$300 |
$250–$950 |
|
Electric Range |
$100–$500 |
$230–$3,000 |
|
Gas Range |
$100–$500 |
$230–$3,000 |
|
Dryer |
$100–$400 |
$450–$2,300 |
|
Oven |
$100–$430 |
$400–$3,000 |
|
Washer |
$50–$450 |
$400–$2,300 |
|
Freezer |
$90–$500 |
$160–$2,900 |
|
Refrigerator |
$40–$350 |
$200–$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
What Factors Should You Consider Before Buying a Missouri Home Warranty?
No two Missouri home warranty companies are exactly the same. As you shop around for a home warranty, consider the following factors to get the most value for your money:
- Coverage caps: Most home warranty companies establish a coverage cap, or dollar amount, they are willing to pay for a repair or replacement. We suggest picking a company with coverage caps that cover the replacement value of your major systems or appliances.
- Gather quotes: Request quotes from at least three companies to compare plan costs. Ensure the quotes are for similar plans across providers. This helps you decide which company provides the best value.
- Tailored coverage: Not every home needs a comprehensive coverage plan. You likely don’t need standard coverage if you recently purchased new appliances or systems. Instead, consider a custom coverage plan. These plans cover a few items that could minimize your home warranty cost.
Expert Takes on Home Warranties
We reached out to industry experts to answer common questions about home warranties. Here’s what they had to say:
- How does a home warranty work? According to Ryan Hawker, cofounder of H3 Homebuyers, requesting service involves a few simple steps. “When a covered item quits working, you must call the home warranty company to file a claim. You can also submit a claim online. Once the claim is approved, the company will arrange for a preapproved service provider to come to your home within 48 hours to assess the problem.”
- How much do home warranties cover? Daniel Cabrera, who is associated with San Antonio’s Sell My House Fast, emphasizes the importance of understanding your provider’s coverage limits, as each company differs. “Be sure to ask your provider how many repairs your home appliances can have before exceeding the coverage amount,” he adds.
- When can I start using my home warranty? Chuck Vander Stelt, a Quadwalls Realtor, says, “If you already own the home you’re getting a home warranty for, there is typically a 30- to 90-day blackout period where you can’t make claims.”
When Can You Start Using Your Home Warranty Plan?
Most providers start coverage 30 days after you purchase a plan. Read the terms and conditions of your contract before buying a home warranty to verify your waiting period.
Our Conclusion
Liberty Home Guard, American Home Shield, and Select Home Warranty work best for Missouri homeowners because each company has something unique to offer, whether that’s customizable coverage, affordable plans, or unique add-ons. Before signing up for a home warranty plan, get a quote from all three companies listed in this review and compare prices. We also recommend reading each provider’s sample contract to understand their coverage exclusions and limitations better.
Other Resources for Residents in Missouri
Frequently Asked Questions
What other home warranty companies are available in Missouri?
Other top home warranty companies that provide coverage to Missouri homeowners include Select Home Warranty and America’s First Choice Home Club.
Does a home warranty cover HVAC?
Most home warranty companies offer a plan that covers major systems like heating and air conditioning. American Home Shield and Liberty Home Guard cover HVAC in their plans, while First American Home Warranty covers your heating system but not air conditioning in its Starter Plan.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for top cities in Missouri below:
Find Home Warranties in MO
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
