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For many people in Kansas, the dream of homeownership can be made a reality. There are lots of areas in Kansas for affordable homes with beautiful views and lots of land. However, as great as Kansas can be, there are always stressors when dealing with owning a home.
Home warranties are typically worth the investment in most areas, but Kansas homeowners often get more out of them than homeowners in other states. Kansas experiences numerous tornadoes and supercell thunderstorms every year that can put roofing at risk of damage and leaks. The low winter temperatures can also put undue stress on heating systems, and home warranties often cover related damages. We take all of these local factors and more into consideration when ranking the best home warranty companies in Kansas.
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Kansas. For the last 13 years, Choice Home Warranty has offered affordable yet impressive coverage for those that want to protect their Kansas home. One of the things that really helps CHoice Home Warranty stand out is the fact that they have very straightforward and simple coverage. The fine print on the Choice Home Warranty plan is almost non-existent, and you can quickly tell what appliances and systems are covered in your Kansas home.
✓ Excellent customer service
✓ All plans include home systems and appliances
✓ Outstanding coverage options
✓ Contracts and coverage are easy to understand
X Not much plan customization available
Unlike other policies on the market that will have three and four plans to choose from, Choice Home Warranty has only two plans. However, this is actually a positive. The decision as to which plan will work best for you will be quite a bit easier. In addition, both of the Choice Home Warranty plans are going to be combo or comprehensive plans; this means that they cover a variety of systems and appliances. Choice Home Warranty also has a good mix of add-on coverage options to help ensure your policy is comprehensive. This company has coverage caps that reach up to around $2,500, and the service fee is in line with the industry average at $85 per claim.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty allows for some plan customization with a handful of add-on options, including:
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
Select Home Warranty is the most cost-effective home warranty plan for Kansas homeowners. Select Home Warranty tries to keep your budget in mind when choosing a home warranty plan for your Kansas home. The budget helps to keep the costs of a home warranty reasonable enough to ensure that you get the coverage you deserve for the plan. Select Home Warranty is very serious about their workmanship and the quality and training of their repair technicians. In addition, having spent about nine years in the industry Select Home Warranty has some impressive customer service reviews. However, one of the things that this plan is most well known for is the free roof leak coverage.
✓ Very affordable
✓ All plans cover roof leaks, which is great for Kansas residents
✓ Excellent customer service
✓ Long company history
X Coverage caps aren’t as appealing as those from competitors
There are three Select Home Warranty plans to choose from. One plan is an appliance plan; then there is a systems plan and a combo plan to choose from. The Select Home Warranty combo plan is by far the best value. It is just a few dollars more per month but combines both the system and appliance plan coverage. Select Home Warranty has some optional or add-on coverages that you can add to your policy in addition to the free roof leak coverage you will be getting. The coverage caps for this company are a bit lower than average at $1,500, but the price of the plans makes them appealing still. Additionally, the service call fee is just $60.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty also lets you customize your coverage options a bit using add-on services, which include:
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in Kansas. Most homes in Kansas have unique features that will make them special to you. These features may need additional coverage under a home warranty plan, and American Home Shield is the perfect company to help. With the American Home Shield home warranty, you can pick and choose coverages to help you build a plan that is priced well and has the proper coverage for your home. With over 50 years in the home warranty industry, American Home Shield knows how to provide impressive workmanship and premium coverage.
✓ Long company history
✓ Lots of customization options for coverage
✓ Uncommon coverage options
✓ High payout rates
X More expensive than many competitors
There are three American Home Shield warranty options, including a systems plan and then two comprehensive or combo plan choices. The combo plans tend to be a more popular option for those looking to protect their entire Kansas home. Each of the plans also has options for add-on coverages to help increase the overall coverage and protection offered by the plan. The coverage caps are unlimited for some categories and up to $3,000 for others. The service fee is customizable along with your plan, so you could pay anywhere between $75 and $150.
Here’s a detailed look at American Home Shield’s coverage:
There is some opportunity for plan customization with American Home Shield, as you can add any of the below services to any plan above:
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club has been in the home warranty industry since 2008. It was founded in New York but has quickly grown into a national company with a massive footprint in the US. This company includes appliances and home systems in all plans, making it a popular option for those looking for ultimate peace of mind. The company also has one of the shortest wait times for coverage to kick in; you’ll be protected just ten days after signing up, as opposed to the standard 90 days.
✓ 10 day wait time for coverage
✓ Wide range of coverage, including unique options
✓ Responds quickly to customer inquiries and claims
✓ Many years of experience
X On the expensive end of home warranties
The Home Service Club is one of the few companies that includes appliances and home systems in all of its plans. It has two plan options available: the Standard Coverage Plan and the Comprehensive Coverage Plan. The Comprehensive Plan covers more items than most plans in the industry, making it a popular choice. The coverage caps go as high as $2,500, and you can customize your service fee from between $65 and $125.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club offers a large number of add-on services as well to let you customize your coverage. The additional options include:
For more information on HSC or its coverage options, you can check out our complete The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Kansas. Having a trustworthy home warranty company is very beneficial. As you use your plan, you will need excellent customer service interactions, lots of helpful advice, and timely service. Liberty Home Guard provides all of these. The Liberty Home Guard plan has only been on the market for two years, yet it has already earned a BBB rating of an A. This is almost unheard of in the home warranty industry and a major reason to take this plan seriously. If you like new companies with modern technologies and systems, the Liberty Home Guard plan could be a perfect fit.
✓ Great rating with the BBB
✓ Simple claims process
✓ Outstanding customer experience
✓ 60-day workmanship guarantee offered with all plans
X A bit expensive
Liberty Home Guard offers three plans to choose from. You can pick the appliance plan, systems plan, or combo plan for your home. The combo plan covers both systems and appliances, and it is quite an impressive amount of coverage. However, the list of add-on coverages that Liberty Home Guard provides is probably the thing that makes it stand out the most; you can’t go wrong when you can add things like pest control, pools, and even gutter cleaning to your home warranty.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has more customization options available via add-on options than most other companies. Optional coverages include:
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
The typical Kansas home warranty cost will range from around $35 a month to about $75 per month, or around $712 per year. The specifics of the plan will be determined by the individual coverages you choose. Some plans offer discounts for paying in advance or for increasing the costs of your service fee. The average service fee per claim is around $85. The table below provides some more detailed information on pricing based on the type of home for which you need coverage.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 5,000 sq ft||$640.13|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||47 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
At this point, you should feel quite a bit more confident about picking a home warranty company for your Kansas home. The Choice Home Warranty stands out as the best overall option for Kansas homeowners. With the 13 years Choice has spent in the industry, they know what excellent customer service is, and they keep their plan options straightforward. Although we consider Choice to be the best plan on the market, getting multiple home warranty quotes makes sense. You may find that one company gives you a deal that is hard to pass on.
The top five home warranties in Kansas are all excellent options. However, you will still need to narrow the list down to find the perfect one for your home. There are lots of things to consider when deciding between home warranty plans. Three of the most essential factors are overall pricing, details of coverage, and the BBB rating.
In addition to these general considerations, there are some additional local things to consider when choosing a home warranty in Kansas.
For one, Kansas receives its fair share of extreme weather, which includes an average of 50 tornadoes annually and supercell thunderstorms that can bring heavy rain, strong winds, and hail. All of these weather conditions can take their toll on your roof and home’s exterior, and roof leaks are, unfortunately, a more common occurrence in KS than in many other states. As such, most residents recommend choosing a home warranty that includes roof leak or roof damage protection.
Keeping in line with extreme weather, the temperatures in Kansas can reach into the 90s in the summer and sit well below freezing in the winter. Your AC system is likely to be under immense stress during those hot summer days, and your heating system will be called on constantly to battle the freezing winter temperatures. These systems are often covered by home warranties, which means those that protect them are typically better options in the area.
A home warranty is a home protection plan, which acts similar to homeowners insurance in some ways. When you have a home warranty plan in place for your home, any unexpected damages or issues that are covered in your policy can be claimed and paid for by your home warranty service provider.
Home warranties are paid monthly or annually, and you’ll also have a service fee that you’ll need to pay for each service call you make. Additionally, home warranties include payout limits — called coverage caps — above which you’ll be responsible for any remaining balance for maintenance or replacement.
Although it’s easy to compare home warranties and home insurance policies, the two differ in some important ways.
First, homeowners insurance is typically general coverage that includes your entire home. It might pay out based on damage done to appliances and other belongings, but it’s a general policy that pays out for large-scale damage in most cases. Home warranties, on the other hand, cover individual appliances and home systems, like refrigerators and plumbing systems. You can submit claims for each individually covered item.
Second, homeowners insurance usually only provides coverage in the case of a catastrophe, like a fire, severe thunderstorm, tornado, flood, or another natural disaster. Home warranties provide coverage for much less severe issues, like a refrigerator that stops working from old age or an air conditioning system that fails from constant use.
Finally, the two differ in your out-of-pocket costs — also called a deductible — when service is needed. With a homeowners insurance policy, you typically have a sizable deduction of several thousand dollars before the coverage kicks in, but the coverage caps are significantly higher than with home warranties. If you need coverage from a home warranty, you’ll often only pay the service fee — around $85 — but the coverage cap will be lower than with a home insurance policy.
The process of securing a home warranty is simple: you just choose a provider, select a plan, and pay for coverage. Once you make payment, there’s a waiting period between 10 and 90 days in most cases before coverage kicks in.
After you’re officially covered, you can submit a claim by following the below process:
Home warranties all differ in what they cover, which is why it’s often challenging to find the right home warranty company for you. Most home warranty plans cover appliances or home systems, and the more comprehensive options cover both.
Common appliances covered by home warranties include refrigerators, ovens, cooktops, dishwashers, microwaves, clothes washers, clothes dryers, and more. Common home systems covered include plumbing, electrical, heating, and air conditioning. Many system-focused plans also include things like hot water heaters, garage door openers, plumbing leaks, plumbing stoppages, and more.
Most home warranty companies also give you the opportunity to customize your coverage a bit via add-on products. Common add-on coverages include pools, spas, sprinkler systems, roof leaks, and more.
The specific exclusions in your home warranty coverage will be detailed in your service contract. Every warranty is different, so it’s crucial that you check your contract for details. However, most exclude intentional damage, damages caused by a lack of proper maintenance, cosmetic issues, and pre-existing conditions.
Countless homeowners in Kansas are pleased with the service and coverage they get from their home warranties. However, as is the case in any industry, there are some recurring negative things we see in customer reviews from residents in Kansas.
One of the complaints we see most often is that the out-of-pocket costs are higher than expected with certain repairs. It’s crucial to remember that home warranties have coverage caps, which are payout limitations per item and annually. If any repair or replacement exceeds the given coverage cap, you’ll be responsible for the difference. Larger home improvement issues — like large-scale roof leaking or refrigerator replacements — are the most likely to exceed coverage caps.
Another common issue we hear about from Kansas homeowners is that coverage isn’t provided when it’s expected. In some cases, less reputable companies might deny a claim to save money, even though the item is covered in your warranty. It’s crucial that you only work with reliable providers, like the ones we’ve reviewed above. In other cases, there could be limitations that the customer doesn’t know about. You should read your service contract carefully for limitations and exclusions to avoid this issue.
It’s impossible to say definitively if a home warranty will be worth the investment for you. However, most homeowners do benefit and end up saving quite a lot of money by investing in a home warranty plan. They’re especially lucrative for first-time homebuyers moving into a new home, sellers in the real estate market, and residents who live in aging homes.
It only takes a few systems or home appliance repairs to see the value in a home warranty policy. Home maintenance and repairs are expensive. If you are not handy and can’t fix a microwave or repair ductwork, having a home warranty in place could end up saving you thousands of dollars. As long as you choose the proper Kansas home warranty, you will likely find it to be well worth the money you pay.
For example, a typical call to a plumber, electrician, or HVAC technician will total around $300 or more. A fridge repair can total closer to $400, and a total replacement of failed appliances will cost between $400 and $3,000 in most cases. Other repairs are also quite expensive, like roof leaks, which average around $1,500, and HVAC systems going down, which can total around $500 or more to fix.
Even if you don’t end up saving money with a home warranty, the peace of mind it provides often makes the investment worthwhile. Without a home warranty, you could find yourself on the hook for thousands of dollars, and these repairs can come at inopportune times. A home warranty can help you budget more accurately and avoid unexpected fees for home repair.
The best home warranty company in Kansas is the Choice Home Warranty. Kansas homeowners are lucky to have this option because of the impressive coverage and overall ease of use of this plan. If you are new to the home warranty industry and want to ease yourself in with a fair and simple plan, Choice is the best option to go with.
The service fee is the price you pay to have a repair technician come to your home and diagnosis and fix the issue with your appliance or system. Service fees will range in price from around $60 to over $150. The lower-priced service fees can make the overall affordability of a home warranty plan quite a bit better.
If you’re specifically looking for roof coverage in your home warranty plan — something that most Kansas residents do — you’ll have plenty of options. Most home warranty companies offer roof coverage, although it’s not always part of a designated plan. It’s best to check your company’s service contract for information on roof coverage. If it’s not listed, you might be able to get it as an add-on coverage option. Keep in mind that some roof protection plans are limited in scope, so read the details of what is covered carefully.
At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
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