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Audited & Verified: Jul 25, 2025, 12:58pm
Reviewed By
| Staff EditorSelecting a home warranty provider in Missouri can feel like a big task, especially with many options available. It’s crucial to evaluate key factors like service costs, company reviews, and coverage for essential appliances and systems.
Our secret shoppers reviewed 19 companies and 58 plans, obtaining over 100 real quotes and analyzing dozens of data points to guide you to the best home warranty providers in the Show Me State.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
The best home warranty companies in Missouri were identified by our editorial team after a deep analysis of dozens of influential home warranty providers and plans and took features such as pricing and service fees, customer sentiment and more into account.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | CHOICE OF TECHNICIAN | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | No | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
As a home warranty company, 2-10 Home Buyers Warranty is one to look out for in Missouri, especially in recent years and offers comprehensive coverage for Missouri residents. This provider aids builders, sellers and buyers alike at just $32 monthly for the lowest-tier plan. Whether you’re looking for plans specific to kitchen appliance coverage or more comprehensive coverage, 2-10 is a strong option to think about.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty shines in Missouri for its affordability and flexibility of plan structure. Customers can determine their premium by selecting a higher or lower service fee level depending on what fits their budget. A unique aspect among providers that 2-10 offers is tailored coverage for those selling their homes during the listing period. The company also provides policies that support home builders.
Why We Like It
2-10 Home Buyers Warranty allows you the opportunity to choose which features of a home warranty you care about. Want a low premium? You have the option to choose a higher service fee. Really want protection for your kitchen appliances? 2-10 has a plan for that. We also noted some of the more unique elements of the provider, like its coverage for filters and alarm systems, with its highest-coverage plan.
What We Don’t Like
While 2-10 allows contractor choice, you’ll need to secure a green light before assigning repairs. The cancellation terms are less flexible than some. There’s a $25 fee in the first 30 days, which jumps to 10% of the full contract after that.
Who It’s Best For
Our team thinks 2-10 Home Buyers Warranty is a good option for many homeowners in Missouri, especially those who are looking for control over the service fees and premium costs.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
The regards from 2-10 Home Buyers Warranty respondents were mostly positive and gave high praise to the providers’ services. There was some negativity in the reviews centering on claims, denials, limitations and lack of communication. These complaints came mostly from denied repairs, preexisting issues and slow response time. Overall, the feedback did hold positivity, especially around overall communications and service expectations.
From a survey of 1,800 U.S. users, 86% of 2-10 customers disclosed that they would recommend the provider and 88% rated its offers as beneficial. Overall, these results show a generally favorable picture of customer opinions.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
This provider offers two main protection plans in Missouri: Select and Select+. The Select Plan starts at $46.08 monthly and includes standard coverage for key home systems and appliances. The Select+ Plan extends to that coverage, starting at approximately $60, with broader benefits.
Learn more: Home Warranty of America review
We chose Home Warranty of America for its user-friendly plans and full U.S. availability. It’s one of the few providers offering a specialized add-on for making certain replacements energy-efficient appliances, which gives it an edge for modern homeowners. With just one basic and upgraded option, it’s a low-lift pick for anyone who doesn’t want to sort through a maze of fine print.
Why We Like It
HWA aims for a response time of 48 hours, which we always like to see. The company also offers an add-on called GreenPlus that entitles you to an ENERGY STAR certified appliance if equipment covered under the add-on qualifies for replacement.
What We Don’t Like
With HWA, you cannot use your own repair professional, as the company sends someone from its in-network list. And if you’re looking for an appliance-only plan it may not be the company for you. It’s not always a drawback for everyone, but it is worth mentioning.
Who It’s Best For
This warranty works best for people who want peace of mind without overpaying. It’s especially useful for those with mid-aged systems that don’t need heavy-duty repair coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
We saw varying customer sentiments for Home Warranty of America. For the positives, homeowners seemed pleased with the company’s customer service and technicians it works with. In more critical reviews, customers took issue with surprise costs and long delays in service.
Survey feedback for Home Warranty of America was largely positive, though not quite as glowing as some other providers. Around 15% of respondents said they were hit with unplanned charges, which was slightly above the average. Still, HWA earned a solid 7.9 out of 10 when it came to value for money. Average yearly premiums hovered around just under $650.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Operating since 2017, Liberty Home Guard is a well-reviewed option in the home warranty industry. It offers three distinct plans—one for appliances, one focused on systems and one that blends both. With tiered service fees ranging from $65 to $125, it’s easy to tailor a plan that works with your monthly budget.
Learn more: Liberty Home Guard review
Liberty Home Guard made our list because it gives customers the ability to choose their own contractors (something not all providers allow). We also liked that it covers rental properties under its plans. That kind of inclusiveness earns extra points for homeowners with unique living situations.
Why We Like It
Liberty has one of the most extensive menus of add-ons available—think gutter cleaning and even window washing. That makes it a flexible choice for anyone looking to go beyond basic protection. Plus, the company makes available multiple customer support channels like phone, chat and even text, which adds a layer of convenience when it’s time to file a claim or ask questions.
What We Don’t Like
The cancellation fee is locked in at $50, and it’s not waived if you change your mind early. That might not seem like much, but it’s a bump in the road if you’re still testing the service. Also, that $2,000 limit on each item means partial payouts, so you’ll want to be clear on where that cap might leave you short.
Who It’s Best For
Liberty is ideal for homeowners who want a mix of plan types. Whether you’re interested in full-home protection, you can pick a plan that reflects what you actually need. It’s also a solid choice for anyone with more than one property.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
In our research, Liberty Home Guard has generally mixed reviews from consumers. On the more positive side of things, customers seemed to note helpful and kind customer service personnel and timely assistance. When it comes to issues, customers seemed to mention claim denials and delayed assistance.
In our consumer survey, Liberty Home Guard held its own with favorable reviews. A full 84% of users said their service experience met or exceeded expectations, while 85% said they’d renew their plan without hesitation.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
American Home Shield has been in the home warranty business since 1971, making it one of the most tenured companies on our list. You can choose from three distinct home warranty plan options through the company: ShieldSilver, which covers home systems and starts at $29.99, ShieldGold, which covers home appliances and systems and starts at $49.99 and ShieldPlatinum, starting at $79.99, which combines the two plans, raises the coverage cap to $4,000 for covered appliances and adds other perks.
Learn more: American Home Shield review
American Home Shield allows Missouri customers to choose between monthly or annual contract options. We appreciate that customers can choose a systems-only plan with this company, as well as combination plans with different degrees of coverage. Its starter plan is also one of the most cost-effective on our list, making it an affordable protection option.
Why We Like It
American Home Shield stands out in Missouri with interesting add-ons such as coverage for code issues and preexisting defects. It also extends protection to those in condos, mobile homes and manufactured housing. AHS usually assigns claims in Missouri within 24 to 48 hours and includes an optional video diagnostics feature to help speed up repairs.
What We Don’t Like
This provider has a reputation for all-encompassing coverage, but the other side of that coin is seeing the company follow through and sign off on any work if you’re using your own contractor. Some customers have reported a very tedious situation. Plus, if you cancel coverage after the first 30 days, you will owe a hefty admin fee that equates to one month’s payment.
Who It’s Best For
AHS is a smart pick for homeowners in Missouri with alternative homes such as condos or manufactured homes—and for anyone seeking enhanced appliance coverage caps without giving up plan flexibility.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Consumer sentiment regarding AHS was mixed to negative in our research. Many homeowners praised the speed of service and the quality of repairs, but others expressed concerns about contractor professionalism and higher-than-expected pricing.
When we surveyed 1,800 home warranty policyholders, we found that 83% of American Home Shield customers who were surveyed said they would recommend the company to a friend or family member. Additionally, 84% of the company’s customers we asked said they found its contract terms to be fairly clear and easy to understand.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
ARW Home has three plans designed to cover your Missouri home’s systems and appliances. One plan, the Kitchen Plus Plan (which starts at $39.99), focuses on kitchen systems and appliances. Its other plans, the Platinum Plan and Platinum Plus (which start at $64.99 and $74.99) combine more home systems and appliance coverage, with the most expensive plan being the most comprehensive.
Learn more: ARW Home review
ARW Home stands out for offering clear, easy-to-understand plans that allow Missouri homeowners to select coverage based on their specific needs. The company also offers priceless add-ons, like pool and spa coverage, as well as water and sewer line protection, making it a strong contender for homes with more complex needs.
Why We Like It
One notable feature of ARW is that it does not automatically deny coverage based on the age of your home, which is a rare policy. We also appreciate the flexibility to choose your own contractor, a feature not every provider offers. Its robust list of add-ons, including pools, could make it a dependable option for more amenity-heavy homes.
What We Don’t Like
There’s a $45 cancellation fee, and some customers report needing to cancel by mail, a process that feels slow. If you value easy account management, you may want to confirm the policy details ahead of time.
Who It’s Best For
Homeowners who aren’t picky about coverage limits and appreciate three comprehensive plan tiers may want to look into ARW Home. Also, anyone who knows they might need a higher annual limit will love ARW Home’s $5,000 limit (versus other companies’ $2,500 limit).
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Consumer sentiments for ARW are mixed. Though some homeowners said the company resolved claims quickly and that they had positive customer service experiences, others cite issues with processing claims, confusing coverage details and a lengthy and confusing cancellation process. As always, we recommend reading the fine print and clarifying terms before committing.
In our recent survey of 1,800 home warranty customers, ARW Home customers seemed generally pleased with the company’s services. Of the company’s customers we surveyed, 92% reported being satisfied with the value of the company’s services. Additionally, 93% of ARW Home customers who were part of our survey said they’d recommend the company to others.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
If we add review links for Home Warranty widgets as CTA link, we will also include the HYC details. Even if you didn't, its not an issue, we will take care of it
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Based on a current survey of 1,800 home warranty policyholders, 80% of homeowners said they spent between $801 and $900 annually on premium payments—that’s about $70 per month.
While monthly premium rates typically fall between $27 and $100, the national average lands around $60. But don’t forget to factor service fees into your total cost—these fees are what you’ll shell out every time a contractor comes out to complete a repair. These usually range from $65 to $150 per visit and can affect your monthly premium depending on the plan’s structure.
Despite these charges home warranties can save you money if you have frequent repairs, as dishwasher repairs can cost $250 on average.
Your actual home warranty costs in Missouri will depend on the plan and provider you select. Plans that offer extensive protection or include high-use systems like HVAC tend to be pricier than entry-level ones.
| MISSOURI HOME WARRNATY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
If you live in Missouri, you might consider a home warranty to be worth the investment, though several factors will dictate whether it truly makes sense for you.
Do you have an older home with older appliances and systems? If these items’ coverage under a builders’ or manufacturers’ warranty is terminated by the time you’re considering a home warranty, that may be a sign to get one. It’s tough to have to foot the bill for a surprise repair or replacement.
On the other hand, if you have a newer home with active policies and feel good about handling some more significant repairs yourself, you may feel a home warranty is redundant.
Even though there are some key features that every home needs coverage for, selecting a home warranty policy is still a deeply personal choice. If you’re a homeowner in Missouri, there may also be additional considerations specific to your location—like regional weather patterns, local service availability, or the age of common home systems—that can help guide your decision Considering all of this can help you find a home warranty policy that truly fits your needs and gives you the peace of mind you’re looking for.
Most home warranty companies offer solid coverage for your HVAC system (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a particularly hot part of Missouri, those one-off heat waves and winter chills can quickly remind you how important an efficiently running HVAC system is. HVAC repair costs can average $400 overall, though it depends on what needs to be repaired, as the broader cost range is $100 to over $2,500.
To choose the right home warranty plan, start by assessing your home’s current systems and appliances. Identify which ones are recently installed—some may still be covered by a manufacturer’s warranty—and which are nearing the end of their life and more likely to need repairs or replacement soon. You’ll also want to consider which items could be especially disruptive to fix. Major systems like plumbing and electrical, or large appliances, often fall into this category due to how involved repairs can be.
Once you’ve built out a solid understanding of what’s most at risk or most expensive to replace, compare it with what home warranty companies cover. Look for plans that align with both your budget and your specific needs. Taking this more thoughtful, customized approach can help ensure you select a plan that’s actually worth the investment—one that protects what matters most in your home.
Before choosing a home warranty company, take time to explore the sample contracts they often make available on their websites. These sample contracts can offer you a clearer picture of what you’re getting into, including key insights like cancellation fees, renewal terms, and—most importantly—coverage exclusions.
For example, a provider may advertise roof leak coverage, but only when the damage is caused by typical wear and tear and only up to a capped amount, like $5,000. Knowing specifics like that early allows you to reach out to the company with questions before committing.
A home warranty plan is only worth its salt if it fits into your budget. We recommend comparing the monthly premiums of every plan you’re considering, as well as service fees. Be sure to look at the plan itself as well as the cost to ensure you’re selecting the best option based on every factor and not just the premium. This process will help you find the best home warranty plan for your buck in Missouri.
There is no better way to learn about a company’s reputation than online customer reviews and sentiments. If local reviews are accessible, that’s even better. Friends, community members, family and neighbors can help you better understand which companies you should consider.
Home warranties are regulated in Missouri by the Missouri Division of Consumer Affairs.
Missouri does have some regulations around home warranty companies via laws, including that companies must clearly state the total purchase price and all terms. We recommend reaching out to the Missouri Division of Consumer Affairs if you have any questions or complaints about a specific company working in that state.
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What a home warranty will cover in Missouri will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical, others focus on appliances like stoves, fridges and ice makers and other plans combine the two for more complete coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly breaks, and it’s under your plan, the repair may be covered. The best way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
Before you rely too heavily on your home warranty, it’s important to understand not just what it covers, but what it doesn’t. Even if a system or appliance is listed in your plan, that doesn’t automatically mean every repair will be fully paid for.
One of the biggest factors affecting coverage is what is causing the system or appliance issue. Home warranties are intended to aid in situations of normal maintenance—not when damage is caused by external events or human error. So if a tree hits your roof, don’t expect your warranty to step in. Those situations are typically handled by homeowner’s insurance.
Then there are coverage caps to consider. Let’s say your water heater suddenly breaks—even if the issue is eligible for coverage, your provider may only reimburse a portion of the cost. These limits vary by plan and can significantly impact what you’ll pay out of pocket. That’s why it’s essential to reach out to your home warranty company if you’re unsure about specific coverage details. The fine print matters, and getting clarity upfront can help you avoid unexpected costs down the line.
To help get a sense of home warranty trends in Missouri and around the country, we surveyed 1,800 homeowners who have had a home warranty plan in the last year. Homeowners in the Midwest gave us the following insights about how they use their plan, how they feel about home warranties overall and the companies they chose.
Best Home Warranty Companies By State
Not looking for a home warranty in Missouri? Select your state to find the best options for servicing your area.
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
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Some home warranty plans may cover roofs, while others may include roof coverage as an add-on or may not cover roofs at all. Roofs aren’t a super common home warranty item, but when coverage is included, it tends to focus on roof repairs due to wear and tear. If you’re looking to protect your roof against damage, we recommend looking into a home insurance plan with lots of roofing coverage.
A home warranty may cover existing issues, depending on the company you sign up with, though it’s not guaranteed. The plan you choose and overall company policies will dictate whether a preexisting condition can be included in your coverage. Speak with a representative about your particular situation.
No, home warranty plans don’t typically cover mold issues. However, keeping your HVAC systems well-maintained can help prevent mold and these are often included in home warranty plans.
Ashlyn is one of Forbes Home's in-house writers and a former civil engineer-turned content writer with over six years experience. Until recently, Ashlyn focused on creating content for Forbes Home as a freelance writer. Her areas of expertise range from home improvement, moving services, home warranties and home security. As a homeowner and tireless DIY enthusiast, Ashlyn combines her deep knowledge and practical expertise to provide valuable insights and advice. Her dedication to enhancing homeowners' understanding and skills in managing their properties has been the cornerstone of her writing career.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
