A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
There are many perks of homeownership in Kansas City. But, 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 warranty on the market can be quite time-consuming since there are so many companies to decide between. That's why the House Method team did the research and compiled a list of the top home warranty companies in Kansas City for you.
Picking the best home warranty in Kansas City for you comes down to the kind of coverage you need, the home warranty provider you opt for, and where you live, among other factors. When deciding which home warranty provider is the best one for you, here are some important factors to bear in mind:
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 Kansas City, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for over 14 years. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice has include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Kansas City homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Kansas City area.
To read more, visit our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, 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 in Kansas City. Select has 3 plans for you to decide between. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, 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.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 in Kansas City. AHS has been on the market for around 25 years, making it a well-regarded company in the industry. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered appliance or system.
For more information on this provider, read our thorough review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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
In Kansas City, The Home Service Club offers the best home warranty with the quickest service. HSC has more than 14 years of experience in the industry and in that time has built a an network of service professionals in the country. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easy to comprehend and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered system or appliance.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
In Kansas City, Liberty Home Guard offers the most trustworthy home warranty. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for you to decide between.
Liberty Home Guard offers 3 plans for Kansas City homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our Liberty Home Guard Review to learn more.
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. 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 home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
First American Home Warranty offers 2 plans for Kansas City homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500.
For more information on this provider, read our First American Home Warranty 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
In Kansas City, Cinch Home Services offers the home warranty with the best workmanship guarantee. The home warranty company offers 3 plans to policyholders with various options for appliance and system coverage. When you purchase a policy 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 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, you can fill out this online form or call 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
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 plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Kansas City home comfortable and convenient. When they need repairs, it can be expensive and a hassle. Luckily, with a home warranty plan, an affordable repair is just a phone call away.
When you notice an issue with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a contractor coming over to take a look at the issue. At this point, you will also need to pay your service fee. Once the contractor takes a look at the issue, they will take care of it at no cost to you. The only time a homeowner may have out-of-pocket costs is if the repair or replacement is higher than the item's coverage cap.
A home warranty plan will cover home systems and appliances from normal wear . Appliances covered under a home warranty plan are usually the dryer, microwave, garbage disposal, refrigerator, dishwasher, and more. Systems that are covered usually include electrical systems, water heaters, heating systems, plumbing systems, and air conditioners. You can also optionally decide to pay a bit extra for add-on coverage for items such as swimming pools, septic systems, roof warranty, and spas.
A home warranty will only cover normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, misuse, pre-existing conditions, and cosmetic damages are excluded from the home warranty policy.
Kansas City's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
A home warranty can also have value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
One drawback of a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over the contracts you're considering thoroughly to understand what is included and what isn't. Another downside is that home warranties may not include some repairs, like those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were affected most likely won't be covered by the home warranty.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help you with that. As with any sort of warranty or insurance policy, there will always be benefits and drawbacks of buying one but its main purpose is to provide protection and peace of mind.
Hopefully, this review of Kansas City's top home warranty providers has helped you narrow down your choices and find the right plan for you. When it comes to home warranty providers in Kansas City, the best overall is Choice Home Warranty. With its comprehensive plans, affordable pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The best overall home warranty company in Kansas City is Choice Home Warranty but the best company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty plan can help homebuyers, home sellers, homeowners, real estate agents, and investors. It can provide peace of mind and savings to anyone that is involved with homeownership.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty policy will cover repair and replacement costs for home systems and appliances. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Most home warranties cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty can cost on average anywhere from about $300 to $800 a year in Kansas City. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
