Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Buying a home is a big step in many people’s lives, but maintaining it can be costly over time, especially if your home in Kansas City is on the older side. A home warranty can bring you the peace of mind you need and guard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Kansas City. Keep reading for our recommendations.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Kansas City. Liberty has about 6 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: 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 make sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard Review to learn more.
Appliance Guard
Systems Guard
Total Home Guard
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 about 15 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. 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 plans from Choice are easily comprehensible and offer both system and appliance coverage.
There are 2 home warranty plans from Choice Home Warranty: 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 make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review to learn more.
Basic Plan
Total Plan
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 about 11 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. 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 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $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 a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our Select Home Warranty Review to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 Kansas City. AHS has about 26 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our American Home Shield Review to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Kansas City. First American has about 39 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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 2 plans from First American are easily comprehensible and offer both system and appliance coverage.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 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 a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our First American Home Warranty Review to learn more.
Basic Plan
Premier Plan
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 in Kansas City. Cinch has about 44 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: 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. Read our Cinch Home Services Review to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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. HSC has about 15 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. 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 2 plans from HSC are easily comprehensible and offer both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $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 $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our The Home Service Club Review to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,112 |
| Heating | $4,075 |
| Electrical | $611 |
| Toilets | $509 |
| Washer/Dryer | $815 |
| Plumbing | $611 |
| Oven | $1,630 |
| Fridge | $611 |
A home warranty is a protection plan that helps Kansas City homeowners lower the expenses of appliance and system repairs. The plans provide financial coverage to fix or swap out appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them prevent expensive emergency fixes. They're particularly useful for those who live in older homes or ones with aging systems. More modern builds with modern appliances probably don’t require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, dishwashers, washers, refrigerators, dryers, microwaves, and more. Included systems are usually plumbing, heating, air conditioning, and electrical. Many home warranty companies offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. It's important for Kansas City homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to understand before signing an agreement, including:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage varies widely in the items that are included. Most plans cover AC, heating, plumbing, electrical, and appliances. More comprehensive plans also include protection for other items such as spas, well pumps, pools, and roof leaks. Look for a provider that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per claim you submit. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's reputation can provide insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty businesses keep networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair technicians they have in Kansas City and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks raise the likelihood of getting qualified contractors to swiftly service your home.
Home warranty providers sometimes offer extras such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These add value beyond just repair coverage. Additional perks maximize the usefulness of your home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Kansas City hitting an average high of 64℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can considerably lower out-of-pocket costs should your HVAC system break down.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians on your own, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also provide value in other ways. For example, some policies can be transferred between owners during a home sale.
As for the disadvantages of home warranties, home system and appliance coverage varies by company, so it’s important to review what each policy covers and doesn’t include in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty plan costs, on average, about $300 to $600 a year in Kansas City. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by choosing a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. Under a homeowners insurance plan, you won't be able to file a claim if you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Kansas City.
Homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Kansas City include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, such as your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the plan.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually the one who owns the home pays for the home warranty. In some cases, though, the home seller may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Kansas City is $252,543, a home warranty can be an added asset when buying a home.
