7 Best Home Warranty Companies
in Derby, KS

by House Method Local Advisors - Updated September 28, 2022

A home warranty is a way to protect your savings from unexpected large expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.

There are many perks of homeownership in Derby. However, major home systems and appliances, like your HVAC and refrigerator, can malfunction due to normal wear and tear, leaving you with expensive repairs.

Finding the best home protection plan for your Derby home can be time-consuming, so our team at House Method did the research for you to help you find the top home warranty in Derby. Keep reading for our home warranty recommendations and learn which plan works best for your home.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
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Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
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Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
4.7
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Choosing a home warranty company in Derby


After researching home warranties in Derby, your next step is to decide which company you want to get a free quote from. Below is a list of factors that you'll want to consider when picking a home warranty provider:

Quick reference for home warranty companies in Derby

$45.00 - $53.33/month
14 years in business
$57.67 - $62.08/month
10 years in business
$29.27 - $74.27/month
25 years in business
$50.40 - $62.90/month
14 years in business
$69.99 - $79.99/month
5 years in business
$38.00 - $48.50/month
38 years in business
$34.99 - $67.99/month
43 years in business

Home Warranty Company and Plan Details


By getting a home warranty policy in Derby, you can protect your bank account from large out-of-pocket expenses whenever systems and appliances stop working. House Method's experts took a look at some key features of home warranties, like customer service fees, service fee costs, coverage options, plan choices, pricing, time in the industry to find the best providers in Derby. This is how the top home warranty companies performed:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. Liberty Home Guard - Most Trustworthy
  6. First American Home Warranty - Best Appliance Coverage
  7. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 14

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in Washington

In Derby, Choice Home Warranty offers the best overall home warranty. Choice has 2 plans for you to choose from. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

Choice Home Warranty offers 2 plans for Derby homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.

For more information, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

4.8

Most Affordable

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 10

Low service fees compared to other home warranty providers

Two months of free coverage

Has an appliance-only, systems-only, and combo plan option

90-day repair guarantee

Has a $75 cancellation fee

Low coverage caps

In Derby, Select Home Warranty is the most cost-effective home warranty. Select has 3 plans for homeowners to decide between. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you'll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.

For a more detailed breakdown, read our Select Home Warranty full review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Gold Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Platinum Care Plan
Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 25

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in Alaska

American Home Shield offers the most customizable home warranty in Derby. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS has include options for appliance and system coverage.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.

To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our American Home Shield Review.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 Items covered: Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 14

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the Better Business Bureau (BBB)

Only 2 plan options

The Home Service Club offers the best home warranty with the quickest service for Derby residents. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.

The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.

To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Liberty Home Guard

4.65

Most Trustworthy

Liberty Home Guard logo
MONTHLY COST $69.99 - $79.99
YEARS IN BUSINESS 5

Very highly rated among customer service reviews

Covers repairs with a 60-day workmanship guarantee

Extensive list of 20+ add-on coverages

Easy claims process

Isn’t available in 2 states

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard offers the most trustworthy home warranty for Derby residents. Liberty has more than 5 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The 3 plans from Liberty are easy to understand and have a mix of both system and appliance coverage. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.

The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $75.

To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our full review of Liberty Home Guard.

Home Warranty Plans from Liberty Home Guard

Appliance Guard
Service fee: $75.00 Monthly cost: $69.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Systems Guard
Service fee: $75.00 Monthly cost: $74.99 Items covered: Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser
Total Home Guard
Service fee: $75.00 Monthly cost: $79.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater Add-on items: Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser

First American Home Warranty

4.5

Best Appliance Coverage

First American Home Warranty logo
MONTHLY COST $38.00 - $48.50
YEARS IN BUSINESS 38

Established company with a BBB accreditation

Doesn’t have a coverage cap on heating, cooling, or ductwork

24/7 service calls available

Offers replacement of some covered items that are too damaged to repair

Doesn’t let customers choose their own contractor

According to some customer reviews, the technical jargon in contracts is confusing

First American Home Warranty offers the best home warranty for appliance coverage in Derby. First American offers 2 plans for homeowners to choose from. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.

The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are a reasonable $85.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our thorough review of First American Home Warranty to learn more.

Home Warranty Plans from First American Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $38.00 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade
Premier Plan
Service fee: $85.00 Monthly cost: $48.50 Items covered: Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser Add-on items: Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 43

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in Hawaii or Alaska

In Derby, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch has include options for appliance and system coverage.

The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.

To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 Items covered: Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 Items covered: Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in Derby

AIR CONDITIONER
$6,106
HEATING
$4,071
ELECTRICAL
$611
TOILETS
$509
WASHER/DRYER
$814
PLUMBING
$611
OVEN/STOVE
$1,628
FRIDGE
$611

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in Derby

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What is a home warranty?

A home warranty is a protection plan that covers home systems and appliances. When your refrigerator breaks down and the repair costs several hundred dollars, a home warranty will make sure that all you have to pay is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after purchasing the policy.

Filing a claim with your home warranty company is simple. You can use either an online portal or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will usually occur within 24 to 72 hours and should only cost the homeowner the price of the service fee. Most service fees are between $60 and $150.

What does a home warranty cover?

Home warranty plans help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear . The appliances typically covered under a home warranty include clothes dryer, microwave, garbage disposal, dishwasher, clothes washer, refrigerator, and more. The systems usually included are hot water heaters, ductwork, plumbing systems, electrical systems, and air conditioners. The add-on coverages can include roof leak, pool, spa, septic system, and sometimes even things like locksmith or pest control.

A Derby home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Derby home warranty.

Is a home warranty worth it in Derby?


Benefits of a home warranty

Derby is known for its hot summers, and if you live in Derby, you know that those summers can be rough. During the summer months, your air conditioner can be strained in its effort to combat the heat. In the event that your air conditioner did stop working, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.

Plus, having a Derby home warranty can help make your house more attractive to potential home buyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the same protection you've been getting.

Downsides of a home warranty

As for the negatives of home warranties, coverage varies by company so it's important to read what each policy covers and excludes in the contract. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.

Owning a home is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help ease the costs of home maintenance, but its worth for you is something you'll have to weigh before taking the leap and getting a policy.

Final Thoughts

Hopefully, you now feel as though you can select the best home warranty for your Derby home. All of these top home warranty providers have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides great coverage at an affordable cost.


Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
GET QUOTE
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Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
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Best Customizable Plans
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
4.7
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Home Warranty FAQs


What's the best home warranty company?

The top home warranty company in Derby is Choice Home Warranty. Choice Home Warranty a large network of experienced service technicians and a respected reputation in the Derby area.

What's the purpose of a home warranty?

A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include washing machines, dishwashers, garbage disposals, dryers, refrigerators, plumbing, sump pumps, water heaters, heating and cooling systems, and electrical systems, among others. Some companies also provide coverage for garage door openers, pools, ceiling fans, and roofs. A home warranty can help you save money if these appliances and systems break down unexpectedly.

Should I get a home warranty?

Home buyers, landlords, home sellers, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.

How soon can you use a home warranty after purchasing it?

Most home warranty policies have a 30-day waiting period before you can file claims, but some may let you file sooner so make sure you check with the company about this.

What is the average cost of a home warranty in Derby?

A Derby home warranty can cost between $40 and $80 a month. Higher-priced plans usually have a lower service fee, more coverage, and higher coverage limits.

Do you really need a home warranty?

Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty policy, you will not have any large hits to your bank account just to keep your home up and running.

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