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. 

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Our Top Pick
Best for Customization
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$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
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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.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Our Picks For the Best Home Warranties in Kansas

It only takes a few systems or home appliance repairs to see the value in a home warranty policy. 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.

As long as you choose the proper Kansas home warranty, you will likely find it to be well worth the money you pay. To get you started on your search, we’ve compiled a list of the best home warranties for Kansas residents:

Liberty Home Guard: Best For Customization

Compare the Best Home Warranty Companies in Kansas

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.


How to Choose the Best Home Warranty in Kansas

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. 

When looking at the general pricing of a home warranty plan, be sure to include the service fee costs, monthly payments, and coverage caps or limits. If a repair or replacement gets very expensive, will your plan still cover it? 

Just because your refrigerator is covered under your home warranty plan does not always mean that all repairs and breaks will be covered. Make sure that you take a look at the individual coverages and details of the most critical systems and appliances in the home. 

The BBB rating indicates how the home warranty company is doing when it comes to customer service and the overall reliability of the plan. A company like Liberty Home Guard that already went to a BBB rating of an A in a short period has to be doing some things correctly. 

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.


How Much Does a Home Warranty in Kansas Cost?

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.

Overall$712.16
Single Family$589.77
Multi Family$1,079.30
Townhome$490.80
Condo$604.59
Duplex$862.72
Home Over 5,000 sq ft$1,294.73
Home Under 5,000 sq ft$640.13

Home Warranty Cost Calculator

Our home warranty cost calculator tool helps Kansas homeowners estimate the yearly cost of a new home warranty plan. Just put in your monthly premium, service call fee, and the number of service visits you think you’ll have, and the tool will output the full annual cost of a home warranty plan.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

How Are Home Warranties Regulated in Kansas?

The state of Kansas does not consider home warranties as insurance. So, if you have a complaint with your home warranty provider, you will have to file it with the Kansas Attrorney General’s Office of Consumer Protection
Besides the Kansas AG, home warranties are regulated through the Service Contract Industry Council (SCIC) as well. The SCIC is an industry organization that works with Kansas legislators to create consistent service contract regulations nationwide. It advocates for ethical business practices and consumer protection. The SCIC has a list of home warranty providers that meet its guidelines.

Resources for Kansas Homeowners and Home Buyers

  • Kansas Weatherization Benefits: The Kansas Weatherization benefits can help ensure that your home is ready to handle any weather-related event that comes your way. The weatherization benefits will make a big difference for Kansas homeowners who have had trouble keeping their homes safe and liveable. 
  • FHA Down Payment Assistance Grants:  If you are researching home warranties because you are a future homeowner, this is a resource worth looking into. The FHA down payment assistance grants can help make homeownership a reality. 
  • Kansas Housing Resources Corporation:  The Kansas Housing Resources Corporation can help both current and potential homeowners with their plans, needs, and potential resources to help make housing a more affordable and attainable option. 
  • Kansas Homebuyer Education: Understanding all that goes into purchasing a home and how you can learn to get through this process without making mistakes or wrong moves is essential. The Kansas Homebuyer Education helps people understand all that is involved with homeownership before they take major steps. 
  • Single-Family Housing Repair Loans and Grants: Kansas homeowners who need to make repairs to their home before investing in a home warranty may find help with the Repair Loans and Grants Center. This resource will help make it possible to get your home in working condition.  

Our Reviews of the Best Kansas Home Warranty Companies

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

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.

  • Our Take: Most Trustworthy
  • Average Annual Cost: $779.88-$899.88
  • Response Time: Within 24 hours
Great rating with the BBB
Simple claims process
Outstanding customer experience
60-day workmanship guarantee offered with all plans
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:

  • Appliance Guard ($64.99/month): The Appliance Guard plan from LHG is for appliances only and doesn’t include any home systems. You’ll get coverage for ovens, dishwashers, ice makers, refrigerators, microwaves, washers, and dryers. The cost is relatively high for an appliance-only plan, but it includes some extra coverages like garbage disposals, ceiling fans, and garage door openers.
  • Systems Guard ($69.99/month): The Systems Guard plan is for homeowners who want home systems covered and don’t necessarily need appliance protection. The covered systems include your plumbing system, electrical system, heating system, and air conditioning. It also covers some individual components, including HVAC ductwork, bathroom exhaust fans, toilets, and water heaters.
  • Total Home Guard ($74.99/month): The Total Home Guard plan is the most comprehensive option from LHG, and it provides total peace of mind. It includes everything in the Appliance Guard and the Systems Guard plans for just a slightly higher monthly charge. Most Kansas homeowners find this plan the best value for the money.

Liberty Home Guard has more customization options available via add-on options than most other companies. Optional coverages include:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

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.

  • Our Take: Best Customizable Plans
  • Average Annual Cost: $419.88-$779.88
  • Response Time: Up to 48 hours
Long company history
Lots of customization options for coverage
Uncommon coverage options
High payout rates
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: 

  • ShieldSilver ($39.99/month): The ShieldSilver Plan covers 14 different home systems. As a systems-only plan, it doesn’t protect any appliances. This plan includes coverage for major systems like heating, electrical, and plumbing. It also covers water heaters, HVAC ductwork, air conditioning, garage door openers, smoke alarms, and more. This is one of the most affordable systems plans in the industry.
  • ShieldGold ($49.99/month): The ShieldGold plan includes everything in the ShieldSilver plan, plus some appliances. Appliance coverage includes refrigerators, ovens, stoves, dishwashers, microwaves, washing machines, clothes dryers, water dispensers, and garbage disposals.
  • ShieldPlatinum ($64.99/month): The ShieldPlatinum plan from AHS is the most comprehensive coverage option, which includes everything from ShieldSilver and ShieldGold, plus additional coverage. It adds on roof leak repair, which is crucial in Kansas, unlimited AC refrigerant, permits, code violations, and preventative maintenance for air conditioners. ShieldPlatinum is much more expensive but also comes with higher coverage caps and lower service fees.

There is some opportunity for plan customization with American Home Shield, as you can add any of the below services to any plan above:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

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

Key Highlights
  • Our Take: Best Overall
  • Average Annual Cost: $504-$639.96
  • Response Time: Up to 48 hours
Excellent customer service
All plans include home systems and appliances
Outstanding coverage options
Contracts and coverage are easy to understand
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: 

  • Basic Plan ($42/month): The Basic Plan provides coverage for appliances and home systems, setting it apart from most other companies’ basic plans. This plan includes protection for heating, electrical, and plumbing systems, plus HVAC ductwork, toilets, and water heaters. You also get appliance protection for your oven, cooktop exhaust fan, dishwasher, garbage disposal, microwave, ceiling fans, and garage door opener. The price is quite appealing, given the extent of the coverage.
  • Total Plan ($53.33/month): The Total plan is Choice Home Warranty’s more comprehensive option. It includes protection for everything in the Basic Plan, and it adds on refrigerators, washers, dryers, and more. For just a little more per month, this is usually the better option.

Choice Home Warranty allows for some plan customization with a handful of add-on options, including:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Stand-alone freezer
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

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.

  • Our Take: Most Cost-Effective
  • Average Annual Cost: $624-$684
  • Response Time: Up to 48 hours
Very affordable
All plans cover roof leaks, which is great for Kansas residents
Excellent customer service
Long company history
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: 

  • Bronze Plan ($52/month): The Bronze Plan is the appliance-only plan from Select Home Warranty, so all home systems are excluded. This covers refrigerators, ovens, ranges, garbage disposals, microwaves, clothes dryers, and washing machines. The price is quite appealing, especially since it covers all major appliances.
  • Gold Plan ($52/month): The Gold Plan is the systems-only option from Select Home Warranty, so it focuses on things like plumbing and heating equipment rather than coverage for kitchen appliances. It protects your plumbing, electrical, air conditioning, and heating systems, which includes HVAC ductwork and water heaters.
  • Platinum Plan ($57/month): The Platinum Plan is the primary reason why we think Select Home Warranty is the most budget-friendly option in the industry. For just $5 more than either of the other plans, it includes everything from both. In case that wasn’t enough, this plan option also offers protection for ceiling fans, garage door openers, and plumbing blockages.

Select Home Warranty also lets you customize your coverage options a bit using add-on services, which include:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer

Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

Limited Time:
$200 off + free roof leak coverage

For Kansas homeowners that want the best additional benefits in their home warranty plan, AFC Home Warranty is a top choice. It offers four plans and several optional add-ons, which help you get the best coverage for the systems and appliances in your home. Large coverage caps of $3,000, ability to choose your own contractor, transferable coverage, and a lifetime guarantee on all warranty repairs sets AFC apart from the competition.

  • Our Take: Best Additional Benefits
  • Average Annual Cost: $456 to $576
  • Response Time: 48 hours
Live customer service agents
Transferable coverage when you sell your home
Lifetime guarantee on all warranty repairs
Homeowners are able to use their own contractor
No emergency service option
Slow response times- up to 48 hours

AFC has four plans that Kansas homeowners can choose from to get the best coverage. It has a service call fee of $75, $100, or $125, which depends on the price the homeowner chooses when they get a new policy. If they choose the lower service call fee, they pay the higher monthly premium. In the same vain, if they choose the higher service call fee, they pay a lower monthly premium.  

Here’s a closer look at AFC’s plans and coverage options:

  • Systems plan ($41 to $50 per month): Covers six critical home systems– central AC systems, heating systems, plumbing systems, electrical systems, and ductwork.   
  • Silver plan ($38 to $43 per month): Covers nine essential appliances– garage door opener, garbage disposal, clothes washer, clothes dryer, dishwasher, oven, and refrigerator..
  • Gold plan ($53 to $57 per month): Covers all 15 home systems and appliances covered in the Systems and Silver plans. 
  • Platinum plan ($53 to $62 per month): Covers all 15 home systems and appliances from the Systems and Silver plans as well, plus attic fans, ceiling fans, built-in microwaves, ice makers, faucets, and valves.

Besides its four plan options, AFC has 11 optional add-ons that Kansas homeowners can use to supplement their coverage.

  • Roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Double oven
  • Septic system
  • Stand-alone freezer
  • Electronic coverage
  • Hot water dispenser
  • In-ground pool and spa

What is a Home Warranty?

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.

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.

If you’re in search of other home warranty services for your household appliances, we suggest considering the Kenmore Appliance Warranty.

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 preexisting conditions.

How Does a Home Warranty in Kansas Work?

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:

  1. Identify a problem with a home appliance or system that is covered by your plan
  2. Request service, which is typically done via the company’s website or by phone call
  3. Wait for the service technician that your provider hires to come fix the issue
  4. Pay the service call fee

Home Warranty vs. Homeowners Insurance

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.


What Are the Biggest Complaints about Home Warranty Companies in Kansas?

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.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

More Kansas Resources


Today’s Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quote process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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