Best Home Warranty in Kansas City

best home warranty company in kansas city review

Looking for the best home warranty in or around Kansas City?

Perfect you’re in the right spot. In this guide you’ll learn:

  • Why would homeowners or home purchasers want a home warranty?
  • How much will a home warranty in Kansas City Cost?
  • What do home warranties cover? Are there different types of plans?
  • …and answers to many, many more of your Kansas City home warranty questions.

After 68+ companies reviewed, below are the top picks that we think are of the most benefit to Kansas City residents. Continue reading!

Editor's Choice
97.0

$50 Off Your Plan
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Top Home Warranty Companies for Kansas City Homeowners

More Than 10 Years on the Market


Most Comprehensive Coverage Available


Free Reservice Period for Parts


Emergency Service Available


Cheapest and Best Basic Plan ($34/m)

Choice Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, Wyoming, District of Columbia

American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.

American Home Shield Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

 Almost-Nationwide Service


 Majority of Client Reviews Online Are Positive


 Clearest Terms and Conditions


 Highest Contractor Professionalism


Best Gold Plan ("Platinum Care")

Select Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wyoming, District of Columbia, California

 Customer Service Available 24/7


 Least BBB Complaints


Great Reviews on Google Places


Reservice for Failed Parts


1 Free Month Upon Annual Sign-Up

Total Home Protection Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Florida, Hawaii, Minnesota, New Hampshire, Rhode Island, Utah, Wisconsin, New Mexico, Maine, Massachusetts, North Dakota, South Dakota, Vermont, Wyoming, District of Columbia

 Industry Veteran Award


Large and established company


 Top 3 Cheapest Plans ($25/month)


Low optional coverage costs




Coverage is capped at $500


Limited Selection of Optional Coverage Items

First American Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wyoming, District of Columbia

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Compare Home Warranty in Kansas City

When you belong to a metropolitan region that straddles two states, things can get a little complicated. Fortunately, that is not the case with home warranty companies serving the Kansas City region. Whether you live on the Kansas or more populous Missouri side, you can get great home warranty coverage for unexpected malfunctions on the major systems and appliances in your home. 

That’s why our home warranty reviews cover most every conceivable question, so you can make the best decision for your KC home, whether you’re living in KCM or KCK.

Please note: as rule of thumb all companies that service Missouri residents should be able to serve you if you live in the Kansas City metro.

 

 

Who Needs A Kansas City Home Warranty?

Homeowners

You have homeowners insurance, so why would you need a home warranty? Let’s say on a sweltering July day in your Overland Park home, your air conditioning goes out. With a home warranty plan, one call can bring a qualified HVAC technician to make repairs or even replace your air conditioner. Be sure to understand the limits of coverage. 

For instance, Total Home Protection has limits of $500, whereas American Home Shield will cover repair or replacement of major systems up to $3,000. Be sure to read the contract carefully to understand payout limits.

Homebuyers

The last thing you want when you are moving to a new Kansas City neighborhood, whether it’s Armor Hills or Olathe, is to worry about something going wrong with your new home. A home inspection can give you a certain level of information, but a home warranty will give you peace of mind, especially during that first year of homeownership. 

If the seller is not offering it, consider making a home warranty a condition of the sale (or, pro tip: ask your Realtor if they will get one on your behalf.) 

Are You A First-Time Buyer? Check Out Our Home Warranty Tips. 

Homesellers and Real Estate Agents

When you are selling a home it is always good to have an edge in the market. A home warranty can be a major selling point, especially when home appliances and home systems are getting older.

Agents, it’s been a weird year for sure, but the market is definitely strong in Kansas City. Sellers and buyers alike will value a home warranty as part of doing business with you. 

 

Renters and Landlords

As a landlord, you don’t want to have the hassle of fixing every little thing that goes wrong on your rental property in Union Hill. And maybe you are not ready to start paying a property manager to do all of the day-to-day. A home warranty can be a great way to balance your cost of ownership with the hassles of landlordship. 

So when a water heater or dishwasher stops working and the tenant calls you, you have a plan in place. And you are managing the costs. 

Read Also: What Are The Recommended Home Warranty Plans For A Rental Property?

 

What Should You Think About When Purchasing A Kansas City Home Warranty?

Weather/Climate

top 5 Kansas City Home Warranty Plans and reviews

You know Kansas City summers are hot and muggy, with a good bit of rainfall for good measure. Not to be outdone, winters are cold and dry. Oh, plus the wind. You can’t forget that midwestern wind. Temperatures in a given year can range from 24°F to 90°F. Rainfall is above the US average at 42 inches, the national average being 38. You get less by almost half of the national average snowfall: 15 inches compared with 28.

All that moisture, wind, and temperature variation can really do a number on your appliances and home systems. A home warranty can protect you from that added strain and keep more money in your pocket when things like a clothes washer or your AC breaks down.

Geography

You are living in the quintessential midwestern town: with a twist. Straddling both Kansas and Missouri brings some interesting and unique dynamics to life in Kansas City. 

Real Estate Data

2020 has been a challenging year, but real estate in Kansas City is in a strong position. Home prices are increasing moderately, and that trend is expected to continue. Part of maintaining your home and keeping its value strong can be to have a home warranty, so fixes happen in a timely manner, rather than lengthening your “to do” list.

Check out this video below on choosing the right properties and what type of Kansas City real estate you should invest in.

 

What Will A Kansas City Home Warranty Cost You?

Costs for a Kansas City home warranty typically range from the mid $300s to the mid- $600s per year, depending on the plan specifics and add-on coverage you might choose.

Note: a service call fee will be a charge whenever you call in a claim and a contractor comes to your home to evaluate a problem. These charges typically range from $75 to $125 per call.

 

What Types Of Plans Are Available For You In Kansas City?

What’s in a home warranty plan? There are three main levels of service contract you can purchase: an appliance plan, a systems plan, or a combo plan. Usually, the combo plan is priced to be the best “bank for your buck.” 

Many home warranty companies also offer add-on services for things like septic systems, pools, or even limited roof leak coverage.

Read Also: What Is Included In My Home Warranty Appliance Plan?

 

Is A Home Warranty Worth It In Kansas City?

Kansas City Home Warranty Plans and Cost Reviews

In the high humidity and with all kinds of weather potentially coming at you unexpectedly, a home warranty can be a great safety net for taking care of unexpected breakdowns of your most-needed systems and appliances. Yes, a home warranty can definitely be worth the annual fee if your systems and appliances are getting older.

 

What Are The Home Warranty Regulations In Missouri?

You’ll want to pay attention to what side of the state line you are on.

KCK regulations: Similar to many states, Kansas does not tax the sale of the home warranty service contract itself. Once a claim is filed and a service provider, like a plumber or electrician, is sent, they will collect the relevant sales tax on their work.

KCM regulations: The Missouri Attorney General offers some guidance on managing disputes with home warranty and other service contract providers.

home warranty for Kansas City MO facts

 

Top Home Warranties For Kansas City Reviewed

#1 Pick: Choice Home Warranty

Even with older appliances and systems, Choice will cover them. Choice is also the second-largest home warranty provider in the country, so they have the experience and bandwidth to handle your Kansas City home. They also offer free cancellation within 30 days if you decide a home warranty is not the right decision at the moment.

Choice offers only 2 plans; a system plan, and a combo plan, while many other companies include an appliance plan. 

Read Our Full Review of Choice Home Warranty

Pros

  • Will cover older systems and appliances
  • Free cancellation
  • Reservice for failed repairs

Cons

  • 2 plans available instead of 3
  • Not customizable

#2 Pick: American Home Shield

For simplicity, reliability, and a lower chance of claim denial than others we reviewed, AHS stands out as one of the top picks for Kansas City homeowners. Another big factor in our review is the higher claim limits AHS offers compared to other plans. 

Read Our Full Review of American Home Shield

Pros

  • Higher claim limits
  • Choose your own service fee
  • 24/7 service calls

Cons

  • Limited add-on coverage
  • Higher premiums than some other plans

#3 Pick: Select Home Warranty

Select Home Warranty is another solid choice. While they do not offer add-on coverage, their plans currently cover limited roof leaks at no additional cost. But if you are in an area outside KC that does not have public water and sewer, there is no well pump coverage or septic system coverage available as there are as add-ons in other plans. Also, if you buy another home, you can transfer coverage with no additional fees.

Read Our Full Review of Select Home Warranty

Pros

  • No transfer fee
  • 24/7 claims center

Cons

  • $75 cancellation fee
  • No add-on coverage available

#4 Pick: Total Home Protection

THP is another company with just 2 main plans, but they make up for it with plenty of optional coverage. And unlike many competitor’s plans, if your Brookside basement sump pump quits, it is not an add on in the Gold or Platinum plans. And if it quits in the middle of the night, you can call their 24/7 claims center and get started right away. They are a relatively new company but have gained a good reputation with their pricing and service.

Their coverage limits are lower than others, at just $400-$500, so that is something to consider.

Read Our Full Review of Total Home Protection

Pros

  • Lots of optional coverage
  • 24/7 claims call

Cons

  • Only two main plans
  • Low coverage limits

#5 Pick: First American Home Warranty

If you are shopping just on price, First American earned “Best Value for the Money” recognition in our 2019 reviews, with plans starting as low as $25/month. With a 500,000 member customer base, your Kansas City neighbors are probably FAH customers. 

But if you hate surprises, like plans that automatically renew, you need that heads-up about their automatic renewal policy. Their add-on selection is more limited than other options as well. But for solid coverage from a veteran provider, First American is a good choice.

Read Our Full Review of First American Home Warranty

Pros

  • Great value
  • A market veteran with a large customer base

Cons

  • Automatic renewal
  • Limited add-on choices

Closing Thoughts On Home Warranty Plans For Kansas City

So, now that you’ve made it to the bottom of this Kansas City review guide, what’s next? Well, we recommend looking around your home and deciding which items you prefer to be covered by a company and getting a free quote. If you decide that our #1 pick is the best company for you, getting a free Choice Home Warranty quote is just a click away.

We hope that this guide has proven useful for your home warranty search. Be sure to check out our guides to other US states and locations, like Colorado Springs, Jacksonville FL, Tulsa, Denver and Virginia Beach.