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Find the Best Home Warranty in Kansas City

A home warranty is a supplemental plan that works alongside homeowners insurance. Unlike insurance, which covers property damage and crimes, a home warranty covers specific components of your home. We researched the best home warranty in Kansas City to help you potentially save thousands of dollars in repair and replacement costs.

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Compare Top Home Warranties, Service Plans

American Home Shield
Overall satisfaction rating
  • 4 coverage plans
  • Starting at $75 deductible
  • Coverage regardless of age or make
  • Available in Kansas City

Be sure with The Shield.

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Choice Home Warranty
Overall satisfaction rating
  • One free month
  • $60 service call fees
  • Available in Kansas City
  • Extensive & basic plan

Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7.

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Liberty Home Guard
Overall satisfaction rating
  • Month-to-month, annual or multiyear policies
  • Repair or replace your broken items
  • Plans start at less than $1 per day
  • 24/7 customer claims service

Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans.

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Total Home Protection
Overall satisfaction rating
  • Coverage regardless of age
  • Work with licensed, local technicians
  • 24/7 claims service
  • Available in Kansas City

Offers two plans covering select systems and appliances. Costs start at $53.67 per month, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available.

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America's 1st Choice Home Club
Overall satisfaction rating
  • 2 coverage plan options
  • Fixed rate locked in with no year-to-year increases
  • No limit on service requests
  • Flexibility to choose your own service technician

Extended work guarantee. Member benefits and discounts. Three service fee options. Use any licensed, insured technician. Monthly payment plans available. No rate increases on renewal. Plans are transferable to the next homeowner.

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Select Home Warranty
Overall satisfaction rating
  • Buyer & seller coverage
  • 3 coverage plans
  • Available in Kansas City
  • 24/7 claims

Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts.

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2-10 Home Buyers Warranty
Overall satisfaction rating
  • Comprehensive coverage for systems and appliances
  • Covers HVAC, plumbing, refrigerator, dishwasher, oven and more
  • 6,000+ authorized, independent service contractors
  • Kansas City, KS homes only

Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes.

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How to choose a home warranty in Kansas City

Kansas City skyline

A home warranty can be a good idea for anyone, especially those purchasing an older home in Kansas City, such as Midtown or Westport. In fact, many sellers include warranties in the purchase agreement. Homes with warranties sell for $2,300 more than those without. If you are renting your home, a home warranty can help you receive fast and simple maintenance at a fixed cost.

Home warranty cost in Kansas City

The average home warranty in Kansas City costs between $300 and $600 a year. Because maintaining a home is expensive (it costs on average $3,000 a year to maintain a $300,000 home), a home warranty can help offset those costs by covering plumbing, electrical, heating and cooling systems and major appliances in the case of a breakdown.

The warranty, depending on the plan, will pay for the repairs and charge a small service fee, typically less than $100. Some plans include deductibles up to $150 for large repairs.

To know exactly what costs you will face with your warranty, read your contract carefully. Here are a few things to look for:

  • Coverage: Which appliances are covered?
  • Co-payment fees: In what cases do you have to pay a fee?
  • Plan limits: When does your coverage reach a cap?
  • Agent/broker legitimacy: Is this agent reliable?

Appliance repair costs

Here’s a look at the average life expectancy of common home appliances and their average repair costs:

Appliance Life (in years) Average repair cost (Midtown, 64111)
Central air conditioner 7-15 $294
Dryer 13 $169
Furnace 16-20 $218
Sump pump 7 $447
Water heater 10 $539

When needing a repair or replacement covered by a home warranty, a homeowner would call the home warranty company itself. The company then hires one of its service providers in the area to fix the problem. The warranty, depending on the plan, will pay for the repairs and charge a small service fee, typically less than $100. Some plans include deductibles up to $150 for large repairs.

Home warranty scams in Kansas City

Reading carefully is the difference between paying the full cost of repair or only the deductible and service fee, so be sure you understand everything before signing a contract. Keep the details in mind. For example, your plan may cover your refrigerator, but what about the icemaker? You may also not be covered if the damage is due to personal neglect.

In addition to terms and conditions, you should also research your agent or broker thoroughly. This includes reading customer reviews to figure out common response times and customer support experiences. Your warranty is only as good as the company that provides it, so make sure you’re investing wisely. A good home warranty can pay for itself in just a few repairs. A bad one could double your costs.

Kansas City Home Warranty Reviews

American Home Shield

With three different plans or a flexible build-your-own-plan option, American Home Shield offers a strategy for any home. American Home Shield has over 14,000 contractors nationwide and demands the highest standards. In fact, the company promises to send a contractor back to your home if there is an issue within 60 days of service.

American Home Shield Learn More (888) 395-0951

Choice Home Warranty

Choice Home Warranty offers two home warranty plans with straightforward pricing: total and basic. Both cover most of your home’s needs and are customizable for more coverage, maintaining the same affordable service fee no matter which plan you choose. It also does not require a home inspection for plan enrollment.

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Liberty Home Guard

With appliance and system plans starting at less than $1 per day, Liberty Home Guard offers flexible plans that let you tailor coverage to fit your home needs. Customer support is open 24/7 and Liberty says that empathy and integrity are core company values.

Liberty Home Guard Learn More (646) 453-6807

Total Home Protection

Total Home Protection offers KC residents a gold and platinum plan with optional add-ons, such as for a sump pump or additional A/C system. Conveniently submit claims by phone or online anytime. Pre-screened contractors are sent to your home for the deductible. Plans start at $1 a day, making this a great choice for those who want at least basic coverage.

Total Home Protection

America's 1st Choice Home Club

With tiered pricing options, AFC Home Club makes it easy to see what is and is not covered under its three plans. Choose one that fits your home’s needs and buy extra coverage to protect additional appliances and systems. There’s no deductible, only a $60 service fee. Plans include restaurant gift cards and a retail savings program for cash back at 5,000 retailers.

America's 1st Choice Home Club Learn More (678) 236-0645

Select Home Warranty

Select Home Warranty offers three levels of coverage and extra features that cover all makes and models of appliances. It does not require a home inspection prior to coverage, but it does have a contract-mandated 30-day waiting period for service. Select Home Warranty is a member of the National Home Warranty Association, a non-profit industry trade organization.

Select Home Warranty

2-10 Home Buyers Warranty

With more than 35 years in business, 2-10 Home Buyers Warranty is an industry leader that covers appliances like a dishwasher, refrigerator, washing machine and air conditioner, to name a few. Whether you’re buying, selling or building a home, 2-10 offers a service agreement to protect you from unexpected repair costs.

2-10 Home Buyers Warranty