When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Kansas City gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Because the home warranty market is filled with many providers — all with different price points — our team at House Method did the research for you to help you find the right home warranty in Kansas City.
Choosing the best company for your home warranty is a step you could take to protect your house. Below is a list of factors that you'll want to take into consideration when picking a home warranty provider:
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
Choice Home Warranty offers the best overall home warranty in Kansas City. Choice has been in the home warranty business for about 14 years. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice 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 $85.
Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
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
Select Home Warranty offers the most cost-effective home warranty for Kansas City residents. Select has over 10 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Select offers 3 plans for you to decide between. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Kansas City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our comprehensive review of Select Home Warranty.
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 is the most customizable home warranty for Kansas City residents. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Kansas City homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
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 in Kansas City. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Kansas City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information on this provider, read our comprehensive review of The Home Service Club.
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 in Kansas City. 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 3 plans that Liberty has include options for appliance and system coverage.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. Liberty's service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information, read our detailed review of Liberty Home Guard.
Five years of industry experience
Fact service with 24/7 customer support
Discounts for paying the annual price
Free roof leak coverage
Limited availability (only offered in 44 states)
Only 1 day to submit repair claim
ServicePlus Home Warranty is the best home warranty for emergency service in Kansas City. ServicePlus has around 6 years of industry experience and in that time has built a a skilled network of service technicians in the country. With a home warranty from ServicePlus, you can enjoy quick repairs with 24/7 customer support. Not to mention, it has been expanding its coverage to more and more areas across the country. ServicePlus offers 2 plans for homeowners to choose from.
The plans that ServicePlus offers to homeowners are Gold Plan and Platinum Plan. The coverage caps from ServicePlus are about $1,500. The service fees are an affordable $75, which is less than other providers in the Kansas City area.
Read more by visiting our detailed review of ServicePlus Home Warranty. To get a free quote from ServicePlus Home Warranty, fill out this online form or give them a call at 478-210-5091.
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 is the best home warranty for appliance coverage for Kansas City residents. If you're looking for very affordable and comprehensive appliance coverage, this is the provider for you. Plus, it 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 home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered appliance or system.
For a more detailed breakdown, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Kansas City residents. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Kansas City
A home warranty is a protection plan for home systems and appliances. When your HVAC stops working and the repair costs several hundred dollars, a home warranty will ensure that your only cost is a predetermined service fee. Home warranty coverage usually starts without an inspection and generally goes into place about thirty days after purchasing the policy.
When you have a system or appliance that experiences an issue, you file a claim with your service provider. You can do so in an online portal or by calling them, and then a technician will come and fix the problem. Once you file the claim, it will be assigned to a local service technician that will come to your home and repair the issue. At this point, you pay the service fee. Service fees usually range in price from about $60 to $150 and this is the only out-of-pocket expense you will have to pay unless the repair cost is more than your home warranty's coverage limit.
A home warranty will cover systems and appliances that have stopped working from normal wear and tear. For example, if your refrigerator suddenly needs repairs under normal use conditions, your home warranty provider can help. Appliances covered under a home warranty plan are the refrigerator, dishwasher, microwave, garbage disposal, dryer, and more. Systems that are covered usually include air conditioners, heating systems, plumbing systems, electrical systems, and water heaters. Add-on coverage will vary from one plan to the next, but you can expect to see add-ons like central vacuums, sump pumps, electronics, roof leaks, pools, and spas.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things like lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are not included in a home warranty policy.
Kansas City is known for its mild winters and hot summers, and if you live in Kansas City, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overworked in its effort to combat the heat. In the event that your air conditioner did give out, a home warranty can cover repairs and help bring down your out-of-pocket expenses.
A home warranty can also have value in other ways. For example, some plans can be transferred to another owner during a home sale.
One drawback of getting a home warranty is that there are generally exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it's important to read over the contracts you're considering thoroughly to get a sense of what is included and what isn't. Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover home systems or appliances that have need repairs or replacements due to improper maintenance, animal infestations, natural disasters, etc.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be advantages and disadvantages of purchasing one but its main purpose is to offer you protection and peace of mind.
We hope you now feel positive that you can choose a home warranty in Kansas City after going through our guide. When it comes to home warranty companies in Kansas City, the best overall is Choice Home Warranty. With its comprehensive coverage, affordable cost, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty provider in Kansas City is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need coverage for.
Home buyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save homeowners money in the long run.
The systems and appliances in a home are covered under a home warranty in Kansas City. Everything from a fridge to a swimming pool can be covered under a home warranty.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay the rest out of pocket.