Home warranty in Missouri
Owning a home in Missouri comes with its share of surprises, like unexpected repairs. The good news? A dependable home warranty can safeguard your budget by covering the cost of repairs or replacements for essential systems and appliances. Whether you're in Kansas City, St. Louis, or nestled in the Ozarks, a home warranty ensures you’re prepared for life’s "what-ifs."


Median MS home age
Average MS home maintenance costs
Average MS home warranty cost
Three Cinch Home Services plans available in Texas
Cinch Repair Only

Repair Plus Replace

Best Value
Repair Plus Replace Premier

*You can customize and add more items not included in the plans.
TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP
Find the perfect home warranty plan that puts you in control of your home.
TAKE THE UNCERTAINTY
OUT OF HOMEOWNERSHIP
Find the perfect home warranty plan that
puts you in control of your home.
Why Cinch Home Services is among the best home warranty companies in Texas?

We protect your systems and appliances no matter the age.†

If we can't repair the covered item, we'll replace it.2

We have plans and pricing to fit every budget.

We guarantee our work for 6 months - at no additional cost.

We don't require your inspection or maintenance records.

Our provider network means we'll get the right person to fix your problem.
Household systems face similar wear and tear across Missouri, from bustling cities like Kansas City and St. Louis to rural areas such as the Ozarks. Common repairs include these key systems and appliances:
HVAC systems
Missouri's winters can be harsh, and summers have no picnics either. Your HVAC system works overtime all year, making breakdowns a common occurrence. A home warranty can cover repairs or replacements for heating and cooling systems so you stay comfortable regardless of season.
Plumbing worries
Leaky faucets, clogged drains and worn-out water heaters can disrupt your daily routine and lead to costly repairs. With a home warranty from Cinch Home Services, you’re protected against many of the most common plumbing problems—so you can skip the stress and avoid paying out of pocket for covered repairs.
Kitchen and laundry appliances
Refrigerators keep groceries fresh, and washing machines handle endless piles of laundry. These everyday essentials need to work reliably. A home warranty typically covers breakdowns for key appliances like dishwashers, stoves and dryers.

Home warranty coverage: What should your plan include in Missouri?
Comprehensive coverage
Ensure the plan covers the key items most likely to need repairs in Missouri, like HVAC systems, plumbing, electrical systems and appliances.
Flexibility
Look for a home warranty company that allows you to tailor plans to cover additional items specific to your needs, such as swimming pool equipment or septic systems if needed.
Quality customer service
Choose a company with a reputation for excellent customer service and a quick claims process. Reliable customer support can make all the difference during an emergency repair.
How does home warranty work in Missouri

Choose the best warranty plan for you.


Request service anytime you need it.


We’ll send out the experts to fix the problem.
What to look for in a home warranty company in Missouri

Searching for the right provider? Keep these tips in mind:
Workmanship guarantee
Seek companies offering guarantees for repairs, such as a 180-day workmanship guarantee, which can help assure ongoing quality.
Transparent costs
Review pricing closely, including premiums and service fees, to avoid hidden charges.
Customer reviews: Read reviews from Missouri homeowners who have used the provider to gauge overall satisfaction, reliability and responsiveness.
Frequenly asked questions
Frequently asked questions
or call us: (866) 408-0024
When can you buy a home warranty in Missouri?
In Missouri, you can buy a home warranty at any time, regardless of the age of your home or how long you've lived there.
What is a home warranty?
A home warranty is a service agreement between a homeowner and a company that states the terms under which the company will help cover the repair or replacement of home systems and appliances for a given period.
How long does a home warranty last in Missouri?
The typical length of a home warranty agreement in Missouri is one year.
Which Missouri home warranty covers the most?
This depends on your specific plan with the home warranty company you select. At Cinch Home Services, our Complete Home Plan provides comprehensive coverage for most household appliances and systems.
Is there a difference between homeowners insurance and a home warranty in Missouri?
Yes, here’s an easy way to explain the difference between homeowners insurance and a home warranty. Homeowners insurance covers catastrophic, unforeseen events such as accidents, fires and natural disasters. Home warranty protection, on the other hand, covers the appliances and systems in your home that fail due to normal wear and tear. When things such as your HVAC or refrigerator stop working due to normal wear and tear, a home warranty plan is probably worth it and may make it easier (and cheaper) to repair or replace them.
Is a home warranty required in Missouri?
No, home warranties are not required in Missouri.
Who pays for the home warranty at closing?
In real estate, a home warranty can be paid for by the buyer or the seller at closing. For the seller, paying for a home warranty can make the property seem more appealing and help reduce the cost of repairs while the home is on the market. From the buyer's perspective, having a home warranty can provide peace of mind when moving in – especially if they purchase an older home.
How does a home warranty work for Missouri real estate sellers?
Missouri real estate sellers can acquire a home warranty plan for coverage for repairs or replacements of major appliances and home systems when they experience mechanical failure due to normal wear and tear during the listing period. Essentially, the home warranty helps protect the seller from unexpected repair costs if a covered item breaks down while the house is on the market.
What happens when a home warranty lapses?
A home warranty lapse happens if you cancel your agreement or if your agreement isn’t set to auto-renew and you forget to renew it. If this happens, you’ll typically have to wait 30 days after you enroll again before your appliances and systems are covered. During this lapsed period, you'll be financially responsible for any repairs you may need to your household appliances or systems.
How can you renew your home warranty in Missouri?
With most home warranty companies in Missouri, you’ll be notified in advance whether you need to renew, or if you’re already on an automatically renewing plan, you’ll also be notified of any rate and/or coverage changes, no less than 30 days before your current agreement expires.
What customers say about our home warranties:

Cinch Home Services has been pretty prompt in their response. To have a response within 72 hours is pretty amazing. They had to wait for a part but they've taken care of it satisfactorily. They covered their feet, they were very professional and seemed to be knowledgeable.

My washing machine broke down and Cinch ordered the repair to be set up. A part kept being on backorder so they sent me a new washing machine. It was a great experience. They were very good about everything. I also had a claim for the refrigerator and it ended up being a lot more expensive and extensive repair than we originally thought it was going to be. So, that again, was a very good service I’m very happy.

When I call Cinch, they've been all informational, excellent and knowledgeable. Ordered the parts and came right out. So far, they're on time, very easy to contact, schedule and very knowledgeable on what they do. I'm very happy with my experience with Cinch.

Cinch has been very good. They come out right away. Generally, they schedule a service when it's convenient for us, and the technicians we've had have been very nice. Having the home warranty program gives us peace of mind. We got it when we bought a new refrigerator. And in the first year, the compressor went out.
MD
Calvin
Maryland
CT
Cheryl
Connecticut
FL
Frank
Florida
MI
Julie
Michigan
GET AN EXACT HOME
WARRANTY QUOTE FOR YOUR
MISSOURI HOME
Call our team to get help on finding the right plan for your home
or get answers to any questions you may have.
TALK TO A HOME WARRANTY SPECIALIST
GET AN EXACT HOME WARRANTY QUOTE FOR YOUR MISSOURI HOME
Call our team to get help on finding the right plan for your home
or get answers to any questions you may have.