Missouri guide · Updated October 21, 2026

Best Home Warranty Companies in Missouri

Missouri homeowners deal with cold winters and warm, humid summers, so furnaces and air conditioners both earn their keep. A home warranty can help pay for covered repairs when those systems and your appliances wear out.

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Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.

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Home warranty companies serving Missouri

Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.

Choice Home Warranty

Serves the state

Sells plans in this state. Pricing is shared in your personalized quote.

American Home Shield

Most areas

Serves most of the state, but its latest targeting list excludes some ZIP codes here.

Select Home Warranty

Serves the state

Sells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.

First American Home Warranty

Some ZIP codes

Serves many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.

What Missouri homeowners should check

Furnaces and AC both matter

You rely on heating and cooling at different times of year. Make sure both are covered and compare each plan's limits.

Basements and sump pumps

Many homes have basements with sump pumps and water heaters. Check whether sump pumps are included or an add-on.

Freeze-related exclusions

Some plans limit coverage for damage caused by freezing. Read the exclusions before you buy.

How Missouri regulates home warranties

Agency: Missouri Department of Commerce and Insurance

Law: Service contract provider registration, RSMo 385.300–385.320

Visit the agency site · All 50 states

Common questions

Are home warranty companies regulated in Missouri?

Service contract provider registration, RSMo 385.300–385.320. The Missouri Department of Commerce and Insurance is the agency to contact.

Is a home warranty worth it in Missouri?

It depends on the age of your systems and appliances and how you'd handle a sudden repair bill. Compare plans and service fees for your ZIP before deciding.

Which home warranty companies serve my Missouri address?

Availability can vary by ZIP code. Enter yours and the comparison shows only companies that aren't ruled out for your address.

More answers: Home warranty FAQ · Blog

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