Home Warranty in Missouri: Comprehensive Guide for 2025
Missouri homeowners face a range of weather extremes. The state experiences humid summers, bitterly cold winters, and sudden storms, which can strain home systems and appliances. This guide details why a home warranty is a smart investment in Missouri.
Our discussion covers the best home warranty companies in Missouri. The article offers precise coverage details, pricing at competitive $ amounts, and service fee information. You will learn which plans provide robust protection against unexpected breakdowns.
We present comprehensive advice that addresses Missouri’s unique maintenance challenges. This guide lets you compare options and choose a plan that suits your needs.
Top Home Warranty Providers in Missouri
Below is a list of 10 top home warranty providers in Missouri:
Elite Home Warranty
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Premium-$44.99 - $59.99
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Deductible-$0 & $70
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Coverage Limit-$7,000
Plans, Cost & Coverage
- Coverage: Elite Home Warranty offers complete protection for your home systems and appliances. The plan covers HVAC units, plumbing, electrical systems, and major appliances. It is designed to protect Missouri homes against sudden breakdowns caused by seasonal changes. The coverage adapts to unexpected repairs during heavy storms or winter freezes.
- Price: Plans start at $55 per month, but prices vary depending on the coverage package you choose. They offer customizable add-ons, and you may pay additional costs for expanded coverage.
- Service Fee: A typical service fee is around $75 per service call. This fee is applied when a technician visits your home to assess the problem.
Why We Picked Elite Home Warranty
We chose Elite Home Warranty because it stands out with its robust coverage. The company has a strong track record in handling Missouri-specific home issues. Its plans protect critical systems that are vulnerable during sudden temperature shifts and heavy rainstorms.
Its pricing is competitive, and it provides transparent policy details. Customers benefit from a straightforward claims process and quick response times.
In addition, the provider offers flexible packages. The service is prompt, and the technicians are local and well-trained.
Their network is extensive and trusted. Missouri homeowners can rest easy knowing that many repairs are covered. The plan provides excellent value for money with affordable monthly rates and reasonable service fees. This blend of reliability, affordability, and tailored protection makes their offering a top choice.
Home Warranty of America
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Premium-$275 - $695
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Deductible-$75 - $100
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Coverage Limit-$400
Plans, Cost & Coverage
- Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
- Price: Monthly plans range from $44 to $60, depending on coverage level.
- Service Fee: Typically between $75 and $125 per service call.
Why We Picked Home Warranty of America
Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons.
The Home Service Club
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Premium-$51.25 - $62.50
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Deductible-$65,$95,$125
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Coverage Limit-$800
Plans, Cost & Coverage
- Coverage: The Home Service Club offers extensive protection for home systems and appliances. The plan covers heating, cooling, plumbing, and electrical systems. It is designed to meet the repair challenges that arise from Missouri’s climate.
- Price: Monthly premiums start at $60, which is competitive considering the comprehensive coverage. Additional options are available to extend protection.
- Service Fee: A low service fee of $65 per call is typical. This fee is applied uniformly across claims.
Why We Picked The Home Service Club
We chose The Home Service Club because it provides a proactive approach to home maintenance. The plan includes preventive checks that help avoid significant issues. Missouri homeowners benefit from regular maintenance visits.
The coverage is detailed and addresses common repairs during stormy or freezing weather. Moreover, the service is reliable and prompt. The company prioritizes customer satisfaction with fast response times.
Their transparent pricing and flexible plans add to the value. Homeowners can customize their warranty to include additional coverage for specific appliances. This commitment to quality and service makes it an attractive option.
Mike Holmes Protection
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Premium-$48-$88
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Deductible-$58-$85
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Coverage Limit-up to $25,000 per plan
Plans, Cost & Coverage
- Pricing: $48 – $88 per month, with flexible plan options to fit different homeowner needs.
- Service Fees: Deductible ranges from $58 – $85 per service call, ensuring affordability and quality service.
- Coverage Limit: Offers protection up to $3,000 – $6,000 per covered item, providing substantial financial relief for repairs and replacements.
Why We Picked Mike Holmes Protection
Mike Holmes Protection stands out for its commitment to quality and homeowner convenience. With virtual assistance, round-the-clock support, and unlimited coverage for home systems, homeowners can rest assured they’ll receive quick and reliable service when needed. The brand’s strong reputation and network of trusted professionals ensure high-quality workmanship for every repair.
Liberty Home Guard
Plans, Cost & Coverage
- Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
- Price: Plans start at $49.99 per month.
- Service Fee: Approximately $90.
Why We Picked Liberty Home Guard
Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.
Regency Total Home Warranty
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Premium-$39.99 - $58.90
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Deductible-N/A
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Coverage Limit-N/A
Plans, Cost & Coverage
- Coverage: Regency Total Home Warranty offers coverage for all major systems. Their plans include heating, cooling, plumbing, and electrical systems protection. The policy is tailored to address the demands of Missouri’s shifting seasons.
- Price: Monthly plans start at $57. Upgraded options with enhanced appliance protection are available. The cost reflects the extensive coverage provided.
- Service Fee: A standard fee of about $85 is charged per service call, and this fee is clearly stated in their policies.
Why We Picked Regency Total Home Warranty
We chose Regency Total Home Warranty for its adaptability. The plan is structured to handle Missouri’s unpredictable weather. It covers key home systems that might fail during extreme conditions.
The provider has a reputation for efficiency and prompt service. The policy terms are transparent and consumer-friendly. Moreover, the plan offers several add-ons. Customers can customize their coverage based on their home’s age and condition. The claims process is transparent and stress-free.
Local technicians respond quickly to service calls. The plan is ideal for homeowners who want a mix of protection and value. Its consistent performance makes it a standout option.
American Home Shield (AHS)
Plans, Cost & Coverage
- Coverage: American Home Shield (AHS) offers a wide range of coverage options. Their plans cover everything from central systems to critical appliances, and they are crafted to protect homes from damage during Missouri’s harsh weather cycles.
- Price: Plans typically begin at $59 per month. They provide tiered options so you can choose the level of coverage you need. The pricing structure is straightforward and affordable.
- Service Fee: A service fee of around $80 per visit is standard. This fee is applied to every service call.
Why We Picked American Home Shield (AHS)
We picked American Home Shield (AHS) for its industry-leading reputation. The company has extensive experience in covering homes across various climates. Their plans offer robust protection against sudden breakdowns and seasonal wear.
The coverage is reliable and easy to understand, and customers appreciate the efficiency of the claims process. Additionally, AHS is known for its vast network of licensed service technicians. Their quick response times reduce the inconvenience of home repairs.
Comprehensive protection is paired with competitive pricing. Missouri residents find that the plan meets their budgetary and coverage needs. The provider’s long history and customer-first approach add to its appeal.
America’s First Choice
Plans, Cost & Coverage
- Coverage: America’s First Choice provides comprehensive plans for Missouri homes. Their coverage includes mechanical systems and household appliances. The plans are built to withstand damage from seasonal temperature swings, and they offer add-ons for further appliance protection.
- Price: Plans start at around $52 per month. Pricing options are flexible and cater to different budgets. Upgrades are available at additional costs.
- Service Fee: Customers typically pay a service fee of approximately $80 per repair visit. This fee ensures quality service from local professionals.
Why We Picked America’s First Choice
We picked America’s First Choice because of its reliable and thorough coverage. The company offers plans that address the unique needs of Missouri homes. Its policies protect essential systems that are often stressed during the state’s dramatic weather changes.
It combines affordability with comprehensive protection. Its service network is extensive and responsive. Additionally, the company clearly explains coverage limits and exclusions.
The claims process is fast, and customers receive prompt support. Missouri homeowners benefit from a plan that minimizes out-of-pocket expenses during emergencies. This provider’s combination of flexible pricing and consistent service makes it a trusted option.
First American Home Warranty
Plans, Cost & Coverage
- Coverage: First American Home Warranty offers protection for vital home systems and major appliances. The plan covers heating, cooling, plumbing, and electrical systems. It is structured to manage failures common during Missouri’s fluctuating weather.
- Price: Plans start at approximately $53 per month. Various packages are available with optional upgrades. The pricing is designed to offer value.
- Service Fee: A typical service fee of $75 is applied per service call. This fee supports quality repairs.
Why We Picked First American Home Warranty
We selected First American Home Warranty for its clear and practical coverage. The plan is designed to protect against both minor and major repairs, and its benefits are well-suited for Missouri’s cold winters and humid summers.
The straightforward pricing and transparent service fee provide budget clarity. Customers enjoy a hassle-free claims process. Moreover, the provider has a reputation for excellent customer service. They work quickly to resolve issues.
The coverage details are explained in simple terms. Homeowners receive prompt assistance when unexpected repairs occur. This combination of simplicity, reliability, and competitive pricing makes the plan a wise option.
ARW Home – American Residential Warranty
Plans, Cost & Coverage
- Coverage: ARW Home Warranty provides solid coverage for Missouri residences. Their plans protect major home systems and select appliances. The coverage is designed for homes that regularly wear out from weather extremes.
- Price: Plans start at roughly $48 per month. The pricing is competitive and offers several upgrade options. Costs are broken down in their policies.
- Service Fee: A service fee of about $70 per repair is standard. This fee ensures timely repairs and expert service.
Why We Picked ARW Home – American Residential Warranty
We selected ARW Home Warranty due to its cost balance and comprehensive coverage. The plan is ideal for Missouri’s mixed climate. It offers a dependable solution for unexpected home repairs.
The pricing is competitive, and the coverage is extensive. Homeowners receive clear documentation and a simple claims process. The company also provides excellent customer support. Their technicians are prompt and efficient. The customizable options allow residents to tailor protection to their needs.
The plan is well suited to handle the challenges posed by Missouri’s seasonal shifts. This balance of affordability and thorough coverage makes it a wise choice.
Cinch Home Services
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Premium-$27.99 ,$32.99,$39.99
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Deductible-$100, $125, $150
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Coverage Limit-$2,000
Plans, Cost & Coverage
- Coverage: Cinch Home Services offers complete protection for essential home systems. The plan covers heating, cooling, plumbing, electrical systems, and key appliances. It is tailored for Missouri homes that face varied weather challenges.
- Price: Plans start at around $54 per month. Flexible options for additional appliance coverage are available. Pricing is competitive and transparent.
- Service Fee: A service fee of about $75 per call is standard. This fee is applied with every repair request.
Why We Picked Cinch Home Services
We selected Cinch Home Services for its balance of cost and coverage. The plan is designed to be simple yet comprehensive, well-suited to Missouri’s weather extremes. The company offers prompt service and clear policy details, and customers find the process stress-free.
Furthermore, the coverage provides peace of mind during harsh winters and hot, humid summers. The technician network is local and reliable. The transparency in pricing and service fees builds trust. Homeowners receive thorough support in times of need. This commitment to quality service makes the plan a standout choice.
2-10 Home Buyers Warranty
Plans, Cost & Coverage
- Coverage: 2-10 Home Buyers Warranty offers robust protection for structural and mechanical systems. The plan covers key systems and selected appliances. It is designed to address the common issues that Missouri homes experience during sudden temperature shifts.
- Price: Monthly plans start at about $49. They offer additional options for extended coverage. The pricing is transparent and competitive.
- Service Fee: A standard service fee of $70 per repair call ensures that repairs are handled efficiently.
Why We Picked 2-10 Home Buyers Warranty
We chose 2-10 Home Buyers Warranty for its focus on reliability. The plan is structured to minimize repair costs in emergencies. Missouri residents appreciate that it covers both familiar and unexpected issues. The affordable monthly rate makes it accessible.
The clear breakdown of costs adds transparency. Additionally, the provider is known for a responsive customer service team, and their local repair network ensures timely assistance.
The coverage is comprehensive and easy to understand. Homeowners gain the confidence that unexpected repairs will not lead to financial strain. This commitment to affordability and clarity is highly valued.