There are risks to consider when purchasing a home warranty, and if you’re feeling uncertain about what provider to choose, that’s normal. The home warranty industry as a whole doesn’t have a very good reputation, mainly because some home warranty providers use contract loopholes to avoid covering your claims. Unlike homeowners insurance, home warranty policies aren’t mandatory (homeowners insurance is usually required for a mortgage or home loan), and the policies usually only cover a few items inside your home. Even with full comprehensive coverage, there’s a chance you may have to shell out some of your hard-earned money for repairs because of policy exclusions.
However, some home warranty policies can greatly benefit homeowners, especially in Kansas, where it’s very cold in the winter and very hot in the summer, so things could get really uncomfortable without a quick HVAC repair. If you don’t have thousands saved up in case of disaster, a home warranty can help you get your major home systems and appliances replaced quickly and seamlessly.
I’ve researched the best home warranty companies in Kansas and used Today’s Homeowner’s specific review criteria to rank these providers. While secret shopping, I got warranty quotes for a two-bedroom home in Wichita, thoroughly reviewed sample contracts, and scoured the internet for the most accurate customer reviews. I’ve ranked each company according to important factors like their plans, coverage, affordability, reputation, customer service, and more. Read on to see what these companies have to offer and how they stack up against the competition.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Kansas Home Warranty Companies
- Unlike homeowners insurance, home warranties don’t cover damage from natural disasters. This is crucial to be aware of because Kansas suffers from frequent tornados, sometimes more than 100 in a year. You should always read the entire sample contract before agreeing to a home warranty, especially the exclusions and coverage limits sections. There are always surprising details in the fine print that can keep you from getting your claims covered, like when this local Wichita woman’s home warranty company gave her a measly $225 for her water heater repair that cost $1,250. Companies will use these contract loopholes to their advantage, so you should be aware of them before you agree to anything.
- Service fees act as a deductible for your individual claims, meaning that if your service fee is $100 but your total repair cost is $450, you only have to pay the $100 up-front cost (as long as your claim is covered). It’s worth noting that your service fee has a direct effect on your monthly rate. Some companies let you choose your own service fees from a set of options, which gives you more control over your monthly premium. In general, a higher service fee will give you a cheaper monthly rate, and vice versa. However, some companies will assign you a set service fee, which can vary depending on where you live, the service plan you choose, and the promotional deal you get.
- Home warranties simply aren’t the right choice for every homeowner. In many cases, it’s actually more practical to just save up for repairs out of pocket. Some companies may try to influence your decision by making you worry that your major home systems and appliances could break at any moment and that a home warranty is the only way to protect them, but this is a sales tactic designed to make you panic and buy a policy. Remember, we’re not here to make a sale; if you’re having second thoughts, it’s better to wait instead of paying for a contract that won’t benefit you. To save yourself money, think critically about whether you even need a home warranty in the first place.
My Expert Recommendation
The Total Home Guard plan from Liberty Home Guard is my top pick for a home warranty plan in Kansas. It comes at a fair monthly price, and the brand’s comprehensive coverage protects more appliances and home systems than many competitors’ plans. Plus, they offer more add-ons than any other company, so you get more in terms of customizing your coverage. Liberty’s solid company reputation makes me feel much more comfortable with them than other companies in the industry, and their stellar customer service gives them a reliability that other companies just can’t match.
If you want more than Liberty’s $2,000 coverage limits, I recommend Cinch Home Services as an alternative. Cinch is one of the few companies that uses annual coverage limits and has a total cap of $10,000 per year, making them perfect for covering pricier items. Still, in most cases, $2,000 will be more than enough for individual items, so Liberty Home Guard is an excellent all-around choice for your home warranty needs.
Are you curious to learn more about what a home warranty is and how it works? If so, watch the video below from one of our top recommended brands.
Kansas Home Warranty Companies I Didn’t Include
I didn’t include Choice Home Warranty on my list because they’re currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019, and they’re under investigation in New Jersey and Oklahoma for unlicensed activity. They were initially one of my top choices because of their affordable monthly rates and their guarantee that they’ll request a service technician within four hours of when you submit a claim. Even though these investigations aren’t in Kansas, I still recommend that all readers avoid Choice Home Warranty until these issues are resolved.
Compare The Highest Rated Home Warranties In Kansas
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Kansas
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard has particularly impressive online reviews and customer service. They actually have the best online reviews I’ve seen from any home warranty company during my research, scoring 4.7 out of 5 stars on both Trustpilot and Google. Many of these reviews mention how great Liberty’s customer service is, which I can confirm based on the conversations I’ve had with them. Trustworthiness is one of the most important factors when purchasing a home warranty company, so positive online reviews and customer service reps who actually care are extremely important. Liberty also offers 42 add-ons, which is more than any other competitor on the market. Because of their exceptional reviews, stellar customer service, and customizable plan options, I have more confidence in Liberty than any other provider.
I only have a few problems with Liberty Home Guard, but none of them are deal breakers. First, Liberty’s Appliance Guard plan costs $49.99 a month, which is pretty expensive for a plan that only covers home appliances. If you want a cheaper plan, I’d recommend American Home Shield’s ShieldSilver plan at $27.49 a month. Second, Liberty only offers $2,000 for each covered item. This is a normal limit for appliances, but it’s pretty low for HVAC and other major home systems. Finally, Liberty has a relatively long waiting period (30 to 60 days) for home warranty coverage to begin after you sign a contract, so if you have a malfunction in the first few weeks, you’ll have to pay out of pocket. All of these are fairly standard in the industry, but they’re worth being aware of before signing up for a policy.
Liberty Home Guard has the highest overall rating of any company on our list, making them my top choice for a home warranty provider. Liberty earned my confidence with their overwhelmingly positive online reviews, friendly customer service reps, and everyday low prices. They also offer more add-ons than any other competitor, giving customers more ways to customize their coverage so they’re not paying for anything they don’t need. Liberty genuinely seems to be the most reliable home service provider based on their reviews, and their variety of plans and add-ons is just icing on the cake.
If I could only choose one plan from Liberty Home Guard, I’d choose the Total Home Guard plan ($59.99) since it’s a great bargain for full home coverage. Liberty may not be the cheapest company on our list when it comes to basic plans, but the Total Home Guard plan is a real bargain, so I recommend spending the extra $5 to $10 to get their comprehensive coverage for a steal.
Liberty Home Guard offers more add-on coverage options than any other competitor, and they’re the only company on our list to earn a perfect score on their plans and coverage. Most competitors only have around five or ten add-ons each, but Liberty offers a whopping 42 add-on options, giving them a huge advantage when it comes to customizing your coverage. The Total Home Guard plan is my top choice from Liberty since it covers all major systems and appliances for only $5 more than the Systems Guard plan. The comprehensive coverage is a much better bargain than the other two plans, and it’s cheaper than a lot of competitors’ comprehensive plans, so it’s worth it to spend the extra $5 to $10 on the Total Home Guard plan in order to get the best deal.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Systems Guard | $54.99 | $65 – $125 | $200 off (online)2 free bonus months (with annual billing)Free limited roof leak protection |
| Total Home Guard | $59.99 | $65 – $125 | $200 off (online)2 free bonus months (with annual billing)Free limited roof leak protection |
| Appliance Guard | $49.99 | $65 – $125 | $200 off (online)2 free bonus months (with annual billing)Free limited roof leak protection |
*Liberty Home Guard’s service fees range from $65 to $125 depending on where you live, the service plan you choose, and the promotional deal you get.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Wichita, Kansas. The cost data presented was accurate at the time of writing.
Available Add-Ons
The following add-ons are available for all plans:
- Additional spa: $9.99
- Carpet cleaning: $19.99
- Casita guest unit: $35.99
- Central vacuum: $8.99
- Ejector pump: $14.99
- Electronics protection: $19.99
- Freestanding ice maker: $14.99
- Generator: $19.99
- Grinder pump: $14.99
- Gutter cleaning: $14.99
- Ice maker (in-fridge): $3.99
- Instant hot water dispenser: $9.99
- Lawn sprinkler system: $9.99
- Lighting fixtures: $7.99
- Limited roof leak: $11.99
- Pest control: $14.99
- Plumbing fixtures: $7.99
- Pool and spa: $19.99
- Power washing (exterior flooring): $19.99
- Pro-series clothes dryer: $4.99
- Pro-series dishwasher: $7.99
- Pro-series microwave: $4.99
- Pro-series range/oven/cooktop: $12.99
- Pro-series refrigerator: $14.99
- Pro-series stand-alone freezer: $14.99
- Pro-series washing machine: $4.99
- Re-key: $9.99
- Reverse osmosis water filter system: $14.99
- Saltwater pool: $23.99
- Second refrigerator: $7.99
- Septic system pumping: $12.99
- Stand-alone freezer: $5.99
- Sump pump: $8.99
- Swamp cooler: $14.99
- Trash compactor: $7.49
- Tv mounting (up to 65-inch TVs): $14.99
- Tv mounting (up to 85-inch TVs): $19.99
- Water dispenser water line: $4.99
- Water softener: $13.99
- Well pump: $12.99
- Window washing/cleaning: $19.99
- Wine cooler/fridge: $11.99
It’s important to note that Liberty won’t cover damage from natural disasters or secondary damage from roof leaks (mold, corrosion, etc.), which is especially important in Kansas since it has a history of tornados. However, the roof leak coverage will cover the source of the leak if it’s caused by normal wear and tear, like weathering or old age. These routine roof repairs can keep your home in great shape so it can withstand more intense storms, like tornados, with confidence.
Exclusions
The following exclusions apply to all of Liberty’s plans:
- Any type of valve or leak
- Chimneys and exhausts
- Damage caused by improper installation
- Damage caused by natural disasters
- Damage caused by pests or mold
- Damage caused by rust or corrosion
- Disposal of old systems or appliances
- Glass parts
- Installation of systems or parts
- Known or unknown preexisting conditions
- Lighting
- Luxury or commercial-grade systems and appliances
- Poorly maintained systems or appliances
- Routine maintenance
- Solar systems
- “Smart” components and parts
These exclusions are standard in the industry and match most of what I found with competitors. However, exclusions for known or unknown preexisting conditions are notorious for allowing providers to deny claims, so be wary of that.
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard is one of the more affordable home warranty providers in the industry, with plans ranging from $49.99 to $59.99 a month. Their prices don’t start as low as some other providers (like American Home Shield’s ShieldSilver plan at under $30 a month), but they cap at $60, which is very reasonable. Additionally, Liberty’s monthly rates are very consistent throughout the entire country, which is a good sign that they’re not taking advantage of you by overcharging in certain areas.
I recommend reading Liberty Home Guard’s sample contract for information on cash reimbursements and replacement parts since this can increase your costs, bringing Liberty’s overall affordability score down to 8.9.
Liberty has a few drawbacks when it comes to their customer experience, one of which is their long waiting period (30 to 60 days) for coverage to begin after you sign a contract. This waiting period makes it impossible to get any claims covered before it’s over, so if you have a malfunction in the first month or two, you may be out of luck. Liberty also reaches out to potential customers frequently by phone after the quote process, which can get annoying if you’re no longer interested in buying a home warranty policy. While these issues are common in the home warranty market, they’re also inconvenient, so we gave Liberty a 7.8 out of 10.
At a 9.1, Liberty has the highest company reputation score on our list. Liberty gets consistently positive ratings overall on review sites, with an average review rating of 4.7 out of 5 stars on Google and Trustpilot. In the home warranty industry, scores like these are extremely rare. Most positive reviews praised Liberty Home Guard for their customer service above all else. One customer on Google said:
“Each time I have dealt with Liberty Home Guard, I love how friendly the agents are … I wish the wait times wouldn’t be so long. But, because of this amazing customer service, I recommend customers switch to Liberty Home Guard because you aren’t stuck in crazy loops and you get to talk to a live person.”
Countless reviews mention specific customer service representatives by name, praising them for their outstanding service, which is a clear sign that their employees go above and beyond. On the other hand, most complaints about Liberty relate to them not fulfilling claims or being slow to address repairs, which are all standard issues in the industry.
One customer on Google said:
“Liberty Home Guard is a terrible company. They consistently lie to you and take forever to do any simple task because they have to send it to five different departments to approve the same thing.”
The lying allegations in this review concern me, but overall, the good reviews certainly outweigh the bad, so we gave Liberty a 9.1.
| Rating Site | Rating | Number of Reviews |
| BBB | NR* | 2,500 |
| Trustpilot | 4.7 out of 5 stars | 2,775 |
| 4.7 out of 5 stars | 10,923 | |
| Yelp | 1.4 out of 5 stars | 61 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 4/08/2024): We reached out to a representative from LHG for comment and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
Liberty Home Guard is the only company on our list with a perfect claims process score, mainly because of their fast response times and emergency services. Liberty’s average response time is 12 hours, which is the fastest on our list, so if you care about quick repairs, Liberty is the number one option. Liberty also offers emergency services, and while many other companies offer them as well, they’re crucial when home systems or major appliances stop working after hours or on weekends. Liberty also has amazing customer reviews, so given their positive reputation, emergency services, and extremely fast response times, we gave Liberty a 10 out of 10.
Liberty Home Guard is available in all 50 states, which is why we gave the company a 10 out of 10. Nationwide availability isn’t the most important factor when looking for a home warranty company, but it’s a good sign that the company is reputable and less likely to engage in scammy behavior.
American Home Shield
4.3
Our Rating
My favorite features that American Home Shield offers are its affordable rates and its high coverage limits. AHS offers basic coverage for only $27.49, which is the most affordable Kansas coverage on our list. Additionally, AHS offers high coverage limits ($5,000 HVAC and $4,000 appliance limits on its ShieldPlatinum plan) that are roughly $2,000 more than the industry standard. This means that you’ll get better payouts as long as your claims are covered. Although you have to pay $77.49 a month to get these appliance coverage caps, AHS offers $5,000 HVAC limits on all three plans, making them one of the best home warranties for HVAC.
American Home Shield’s inconsistent customer reviews are their biggest downfall since they make it hard for me to feel confident about the company. AHS has the lowest customer reputation score on our list, so it makes me hesitant to consider them my top choice despite all their great features. Additionally, AHS’s prices are inconsistent from state to state, sometimes rising by as much as $40 in expensive areas. Overall, their inconsistency in both pricing and customer reviews doesn’t bode well for their reliability.
American Home Shield ranks second best when it comes to their overall score, right under Liberty Home Guard, mainly because of their high coverage limits. American Home Shield offers $5,000 HVAC and $4,000 appliance coverage limits on their ShieldPlatinum plan, which is several thousand dollars more than the industry average of $2,000 to $3,000 per item. Even if you don’t want to spend $77.49 on the ShieldPlatinum plan to get these coverage limits, AHS offers $5,000 HVAC limits on all three plans, which makes the cheaper plans even more of a bargain. The ShieldGold plan covers most major home systems and appliances, all for only $36 a month with AHS’s limited-time promotion, so I highly recommend you shop this deal.
Unlike most other companies, American Home Shield covers undetectable preexisting conditions, rust, and corrosion. These are common exclusions in the industry, but it’s helpful that AHS covers them because it means there are fewer exclusions to keep you from getting your claims covered. However, American Home Shield has very mixed customer reviews, which makes it hard to gauge whether they’re consistent with their claim acceptance. AHS may not be as reliable as Liberty Home Guard when it comes to customer reviews, but they offer higher coverage limits, so they’re worth considering if you want your warranty to pay out well for claims.
American Home Shield offers three straightforward plans, with its ShieldSilver plan starting at only $27.49, making it the most affordable coverage on our list. However, the Shield Gold plan is only$36 a month (with the 40% online discount), so it’s my top choice for coverage from AHS. The ShieldGold plan covers most major home systems and appliances, so for $36 a month, it’s a total steal.
The ShieldPlatinum plan is especially pricey at $77.49 a month, so I recommend most homeowners check out the ShieldGold plan instead. However, if you really want the best coverage, the ShieldPlatinum plan won’t disappoint. It offers coverage for parts of 23 key home systems and appliances, and it even includes unlimited AC refrigerant. American Home Shield only offers six add-ons, which is the lowest amount on our list, but their affordable rates and high coverage caps make up for it in spades.
| Plan | Monthly Cost* | Service Fee** | Available Discounts |
| ShieldSilver | $27.49* | $100 – $125 | N/A |
| ShieldGold | $36.00 | $100 – $125 | 40% Off ShieldGold (online) |
| ShieldPlatinum | $77.49* | $100 – $125 | N/A |
*Monthly cost figures provided include the discounted rate offered at the time of writing. AHS has been running this promotion since last year.
**AHS offers two service fee choices: $100 or $125. The monthly costs shown in the table above are for a $125 service fee. Choosing the $100 option will raise your monthly rate.
Editor’s note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Wichita, KS. The cost data presented was accurate at the time of writing.
Available Add-Ons
- Electronics protection plan (all plans): $14
- Guest unit (all plans): $6.99
- Pool and built-in spa equipment (all plans): $18
- Roof leak repair limit (included in the ShieldPlatinum plan but available as an add-on for others): $10
- Septic pump (all plans): $5.00
- Well pump (all plans): $8.00
American Home Shield only offers a few add-ons, but the electronics protection plan is a rare option that not many competitors offer. It protects an unlimited amount of smart devices, but it comes with a lot of exclusions (it doesn’t cover cell phones, preexisting conditions, theft, cosmetic damage, etc.), so I have mixed feelings about whether it’s worth it or not. It’s also pretty pricey at $14/month, so be sure to read a sample contract to carefully review the exclusions before buying.
Exclusions
- Acts beyond our control (earthquake, storms, mud, fire, etc.)
- Flues, chimneys, fireplaces, and exhaust lines
- Hazardous materials
- Improper capacity
- Items covered by other insurance or warranty
- Known preexisting breakdown
- Manufacturer or government recalls
- Misuse or accidental acts
- Multimedia centers
- Outdoor kitchens
- Power and fuel sources
- Routine maintenance
- Smart home systems
- Special systems (radon mitigation systems, gas detection systems, etc.)
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield is the cheapest home warranty provider on our list, with basic plans starting as low as $27.49 in Kansas. However, AHS’s prices vary more than those of competitors from state to state, which makes them less affordable in some locations. The ShieldSilver plan can get as low as $7.49 a month and as high as $67.49 a month in certain areas, depending on AHS’s promotional deals.
However, the ShieldGold plan is a great bargain at only $36 a month with AHS’s 40% off promotion, so I highly recommend readers consider that plan. At $77.49, the ShieldPlatinum plan is a bit overpriced for comprehensive coverage, but it does come with higher coverage limits ($5,000 for HVAC and $4,000 for appliances), so there are tradeoffs. Still, if you want comprehensive coverage at a better rate, I recommend Liberty Home Guard’s Total Home Guard plan ($59.99).
Be sure to read the entire American Home Shield sample contract for special notes that may affect your overall rate or payout.
Even though American Home Shield doesn’t have the best customer reviews, I admit, I’m very impressed with their responses to complaints. AHS representatives commented on almost EVERY online complaint I saw during my research, which shows their dedication to customer satisfaction. One of their responses on Google said:
“Thanks for bringing this issue to our attention. Please know that we’d like to look into this further. Please add the dispatch number so that we can review your claim. We’ll follow up with you accordingly.”
On Trustpilot, their response is similar:
“I’m so sorry for the problems you’ve been experiencing. Please reach out to us at trustpilot@ahs.com so we can discuss this further.”
These comments may not result in a happy customer in every scenario, but because of their work to resolve these issues, we gave AHS an 8.4.
At 7.7, American Home Shield has the lowest company reputation score on our list, mainly because of their inconsistent reviews. AHS has the most widely varied reviews out of every company on this list, which is really saying something because every company has mixed reviews to some extent. These inconsistent reviews make it hard to get a read on how the company actually performs on a daily basis. Usually, there’s some kind of consensus, but in AHS’s case, the reviews are scattered. For instance, on Trustpilot, the majority of reviews are one-star. But, on Google, most of its reviews are five stars.
One Trustpilot reviewer said:
“I’ve been paying for this warranty for two years and the first time I put in a claim (a very minor claim) they won’t honor it. The contractors they use are not licensed or competent, and they charged me $125 for the hassle and incompetence I had to deal with. Don’t use this company.”
On the other hand, AHS commonly receives praise for its high payouts. One customer said:
“This past year, six major items in my home had issues. Four of the appliances were replaced at no cost to me. The remaining two were costly repairs, of which AHS paid a large amount … Overall, I have no complaints.”
American Home Shield reviews are all over the map, but they tend to balance each other out, so we gave AHS a 7.7.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.1 out of 5 stars | 11,083 |
| Trustpilot | 2.1 out of 5 stars | 5,286 |
| 4.5 out of 5 stars | 33,030 | |
| Yelp | 1.1 out of 5 stars | 1,278 |
Editor’s Note: The ratings provided were accurate at the time of writing.
American Home Shield ranks in the middle of our list when it comes to its claims process score. They have an average response time of 48 hours, which is mediocre but not a dealbreaker. However, the biggest detriment to AHS’s score is complaints of denied claims. One Trustpilot customer stated:
“AHS denied my claim, stating it was due to a manufacturer defect. A coil failure after 11 years was deemed to be a manufacturer defect, even though the expected life of the part was between 8 to 12 years.”’
Still, there are plenty of reviews that mention claims being accepted. One Google reviewer said:
“I’ve had nothing but positive experiences with American Home Shield. Just in the past few months I saved a few thousand when my water heater went out, followed by my front load washer. Both were quickly replaced with very high quality machines for only the price of my set co-pay.”
It’s hard to get a read on AHS’s overall performance since their customer reviews are so scattered. Still, AHS has high coverage limits ($5,000 for HVAC and $4,000 for appliances), so we gave American Home Shield an 8.4 because when they do pay for claims, they pay well.
American Home Shield operates in all of the continental United States, so we gave it a perfect availability score.
Select Home Warranty
4.2
Our Rating
Select Home Warranty has the highest affordability score out of every provider on our list, with plans ranging from $44 to $48 a month. They also have the most affordable comprehensive coverage plan out of all the companies on our list at just $47.75 a month. Select has consistently low prices throughout the entire country, making them a great value no matter where you’re located. To top it off, Select even has affordable service fees ranging from $75 to $100. In terms of your cost-to-coverage ratio, Select is the best option for homeowners who want to get the most out of their dollar in Kansas.
I have two main issues with Select Home Warranty: their low coverage limits and their strict terms and conditions. First, Select has the lowest coverage limits of any company on our list, which is also reflected in their poor claims process score. Appliances, plumbing, and electrical are all capped at $500 per item, which is barely enough to cover even the cheapest appliance replacements.
Second, Select’s terms and conditions are very strict. They can request up to three prior years of maintenance records and photos before they approve repairs, which can make the claims process excruciating. Without these documents, the most you’ll get for any item is only $150.00. Worse still, they could reject your claim altogether. These strict terms could come back to bite you since they give Select more opportunities to legally avoid covering your claim.
Select Home Warranty is the most affordable company on our list, making it a top choice for budget-conscious buyers in Kansas. At $47.75 a month, the Platinum Care plan is just $3 more than the other two options, so I highly recommend readers check out that plan in order to get the most bang for their buck. Still, Select has a few downsides. Their appliance coverage limits are especially low at $500 per item, which pales in comparison to most competitors’ $2,000 limits. Their HVAC limits are $3,000, which is a bit better, but some competitors offer $4,000 or more. Select’s monthly rates are low, but so are their coverage limits, so you get what you pay for in that regard.
I want to add an extra warning that Select’s terms and conditions are stricter than most competitors, which could cause problems when it comes time to submit a claim. Select requires you to report your claim within three days of discovering a malfunction, which could be an issue if they claim it was ‘discoverable’ before you reported it. Likewise, Select can request up to three prior years of maintenance records to perform covered repairs. Not many homeowners get their home systems and appliances maintained yearly or keep all the records on hand, so this gives Select more opportunities to legally avoid covering your claims. Be aware that loopholes like this exist, and Select will likely use them to their advantage. Still, Select has everyday low prices and free included roof leak coverage, which are two big perks that make them the best overall value on our list.
Select Home Warranty offers three coverage options that are all priced between $40 and $50, but each plan also includes free roof leak coverage, which is a big benefit since the prices are already low to begin with. The Gold Care plan covers home systems, the Bronze Care covers appliances, and the Platinum Care plan offers full comprehensive coverage. Since all three plans are similar in price, I recommend spending just $3 more to get the Platinum Care plan’s full coverage. The Gold and Bronze Care plans aren’t necessarily overpriced, but the Platinum Care plan is the clear winner in my book because of its superior value. Select only offers nine add-ons, which is fewer than most competitors, but its rates are a great value, so we gave it an 8.3.
| Plan | Monthly Cos*t | Service Fee** | Available Discounts |
| Gold Care | $44.42 | $75 – $100 | $150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually) |
| Bronze Care | $44.42 | $75 – $100 | $150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually) |
| Platinum Care | $47.75 | $75 – $100 | $150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually) |
*Monthly cost figures provided include the discounted rate offered at the time of writing. Select Home Warranty has been running this promotion since last year.
**Select Home Warranty’s service fees range from $75 to $100 depending on where you live, the service plan you choose, and the promotional deal you get.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Wichita, Kansas. The cost data presented was accurate at the time of writing.
Available Add-Ons
Select Home Warranty offers the following add-ons for all its plans:
- Central vacuum: $3.33/mo
- Lawn sprinkler system: $5.83/mo
- Pool: $8.33/mo
- Roof leak: $0/mo (included in all plans)
- Septic system: $5.83/mo
- Spa: $5.83/mo
- Stand-alone freezer: $3.33/mo
- Sump pump: $3.33/mo
- Well pump: $3.33/mo
While roof leak coverage is common, it’s also extremely useful, so it’s great that it’s included in all plans. Kansas suffers frequent tornados, sometimes reaching upwards of 100 tornadoes a year. Even if you’re not in the heart of tornado alley, strong winds can cause a lot of wear and tear on your roof, so it’s important to keep your roof in top shape so it can better withstand storms.
Exclusions
Select Home Warranty has the following exclusions on all its plans:
- Common areas in condominiums or family homes
- Damage caused by natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials
- Secondary damage
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Select Home Warranty is tied with AFC Home Club for the best affordability score on our list, which is partially because all their plans cost between $44 and $48 a month. While some companies may boast their flashy deals, Select flaunts everyday low prices that make them an affordable choice without needing any special promotions. Still, Select does offer some time-sensitive deals on top of their regularly low prices, and I’ve personally received texts from Select offering me a promotion for $60 service fees with the purchase of its Platinum Care plan for $379.99 a year. Select also has some of the lowest service deductibles on our list ($75 to $100), which adds to its impressive affordability score.
However, Select’s low coverage limits could make your repairs more costly in the long run, bringing their score down to 9.1. Be sure to read the entire Select Home Warranty sample contract for more details on coverage limits.
Select Home Warranty ranks in the middle of our list when it comes to their customer experience scores. Overall, many customers on review sites spoke very highly of their sales reps. One Trustpilot customer said:
“I had a very pleasant conversation with the agent. He wasn’t pushy. He didn’t try to keep upselling me to another level or extra items. He cut to the chase, and I was off the phone in a matter of minutes.”
Still, some customers thought sales reps bent the truth to make the company seem better than it is. One customer said:
“The salesperson seemed to offer reasonable explanations for some of my previous issues. The price was right, (he) offered free months, (he) promised their call center is not offshore, and said he will always help me directly should I have any issues: all of which were lies.”
It’s common for sales reps to conveniently leave out any details that could make the company look bad, but this is misleading, so we gave Select an 8.1.
Select Home Warranty ranks in the middle of our list for their company reputation, but their reviews may not be as trustworthy as they seem. Select Home Warranty offers customers a free month of coverage if they leave a positive review after the sign-up process, which skews the overall star rating of online reviews. One customer confirmed this, saying:
“They offer a free month for writing a review of the sign-up process … I can’t give the full (five) stars without trying them out first since I do see a lot of other complaints.”
Another customer echoed this, saying:
“The only reason they have positive reviews is that they offer new customers an additional month of coverage in exchange for a favorable REVIEW, a practice that should be deemed ILLEGAL.”
Select has decent ratings on review sites, but many of these positive reviews only mention the sign-up process. Here are just a few examples:
“My experience so far is limited to the plan explanation and sign-up process.“
“My husband and I just finished enrolling with Select.”
“I just purchased my home warranty today, so I haven’t placed any claims yet.“
A lot of these reviews aren’t a very accurate representation of the company’s performance, just the friendliness of the sales reps. Still, the majority of their reviews are decent overall, so we gave them an 8.0 out of 10.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.37 out of 5 stars | 2,101 |
| Trustpilot | 3.8 out of 5 stars | 4,830 |
| 3.8 out of 5 stars | 20,052 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Select Home Warranty ranks close to the bottom of our list for their claims process, mainly because they have extremely low coverage limits. Select has the lowest coverage limits on our list at only $500 per item, which is much lower than the industry average of $2,000. Select also has strict terms and conditions, like reserving the right to request up to three years of maintenance records before approving repairs, which can give them precedence to deny your claims if you can’t produce the records. Because both of these reasons make it hard to get your claims covered, we gave Select Home Warranty a 7.6 out of 10.
Select Home Warranty operates in 47 states, so according to our review standards, we gave it a perfect availability score.
AFC Home Warranty
4.3
Our Rating
AFC Home Club lets members choose their own technicians, which is a rare feature. Sub-par technicians are some of the most common complaints in the industry, and if you have a local technician you trust, that eliminates a lot of problems. Additionally, AFC has a lifetime workmanship guarantee. This means that if a covered item breaks, AFC will cover the parts and labor for the entirety of a member’s plan if the same component breaks again. This gives you more security, knowing that once AFC covers your repair, you won’t have to pay a single dime for that malfunction again. Most other companies only offer a 30-day or 60-day guarantee, so AFC’s lifetime guarantee is far superior. These features may not be flashy, but they’re some of the most important things to look for in a home warranty company.
AFC Home Club doesn’t offer emergency services, which is a big letdown. Every other company on our list offers emergency services, so this could be a dealbreaker if that’s a feature you want in a home warranty policy. Most of the time, when things break, it’s an emergency, so you’ll likely have to pay out of pocket if disaster strikes rather than wait for your home warranty to take action. Additionally, I don’t like that the Diamond Plan’s pricing is so high. It covers the same items as the Platinum Plan, with the addition of electronics and exterior water and sewer lines, but it costs $35 more a month. In my opinion, this coverage simply isn’t worth the steep price hike.
AFC Home Club is one of my favorite home warranty providers because they let members choose their own service technicians. This may seem like an unimportant detail, but choosing your own technician goes a long way toward getting trustworthy repairs. If you have a favorite local contractor, this service is invaluable. Additionally, AFC offers a lifetime workmanship guarantee, which gives you more peace of mind knowing that your repairs are guaranteed to last for the entire length of your contract without having to pay any more service fees. Most competitors only offer 30 or 60-day guarantees.
One major downside, however, is that AFC doesn’t provide emergency services. Every other provider on our list offers them, so this is a big letdown. AFC has an average response time of 24 to 48 hours, which isn’t terrible, but it’s a long time to wait in an emergency. You’ll most likely have to pay out of pocket for repairs if you can’t wait for AFC to take action, so be sure to factor that into your expenses. If emergency services aren’t a priority for you, I recommend the Platinum Plan because it’s a good price for comprehensive coverage ($6 less than Liberty’s Total Home Guard plan). The Diamond Plan is very overpriced, so unless you have plenty of cash to spare, I recommend most homeowners consider the Platinum Plan.
AFC Home Club offers four plans instead of the typical three, ranging from $34.33 all the way to $87.75. The Silver Plan covers kitchen and laundry appliances, the Gold Plan covers 15 appliances and systems, the Platinum Plan covers 18 systems and appliances, and the Diamond plan covers all the above plus electronics (including smartphones) and exterior water and sewer lines. The Platinum Plan ($53.17) is an exceptionally good bargain, offering comprehensive coverage for less than Liberty Home Guard’s Total Home Guard plan ($59.99). However, the Diamond Plan is extremely pricey at almost $90 a month, so it’s not practical for most homeowners. Additionally, it doesn’t cover much more than the Platinum Plan, so the extra $35 isn’t worth it, in my opinion.
| Plan | Monthly Cost* | Service Fee** | Available Discounts |
| Diamond Plan | $87.75 | $75 – $125 | $100 off + free roof leak protection applied at checkout |
| Platinum Plan | $53.17 | $75 – $125 | $100 off + free roof leak protection applied at checkout |
| Gold Plan | $48.50 | $75 – $125 | $100 off + free roof leak protection applied at checkout |
| Silver Plan | $34.33 | $75 – $125 | $100 off + free roof leak protection applied at checkout |
*Monthly cost figures provided include the discounted rate offered at the time of writing. AFC Home Club has been running this promotion since last year.
**AFC Home Club offers three service fee choices: $75, $100, or $125, which you get to choose between during your quote process. The prices shown in the table above are for a $125 service fee. Choosing the $100 or $75 options will raise your monthly rate.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Wichita, Kansas. The cost data presented was accurate at the time of writing.
Available Add-Ons
AFC Home Club offers the following add-ons for all plans. Note that the company’s add-ons are priced annually.
- Built-in microwave: $50 (annual price)
- Central vacuum: $25 (annual price)
- Double oven: $25 (annual price)
- Hot water dispenser: $25 (annual price)
- Ice maker: $25 (annual price)
- In-ground pool: $100 (annual price)
- In-ground pool and spa: $150 (annual price)
- Roof leak: $0 (this is a limited-time promotion, but it’s typically $25)
- Septic system: $50 (annual price)
- Stand-alone freezer: $25 (annual price)
- Sump pump: $35 (annual price)
- Well pump: $50 (annual price)
The exterior septic system coverage is particularly beneficial since not many companies offer outdoor coverage. Damage can affect more than just your home’s interior, so it makes sense to cover your exterior pipes whenever possible.
Exclusions
- Accidents
- Acts of God
- Chemical or sedimentary build-up
- Collapsed ductwork
- Cosmetic defects or routine maintenance
- Electrical shorts or power surges
- Electronic or computerized energy management
- Failure due to excessive or inadequate water pressure
- Failure to clean or maintain as specified by the equipment manufacturer
- Fire, freezing, or electrical failure
- Hazardous or toxic materials
- Known or unknown preexisting conditions
- Lighting and application management systems
- Lightning, mud, or earthquake damage
- Missing parts
- Misuse or abuse
- Pest damage
- Repairs related to costs of construction, carpentry, or other incidental costs
- Rust or corrosion
- Structural changes
- Storms
- Secondary damage from a noncovered item
- Upgrades, components, or parts required due to incompatibility with the replacement system
- Water damage
It’s important to note that AFC Home Club doesn’t cover damage from storms. While this is standard for home warranties, tornados are common in Kansas, so be wary.
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
AFC Home Club is tied for first place with Select Home Warranty when it comes to its affordability score, making it a great choice for budget-conscious buyers. Overall, AFC has very reasonable rates, generally staying within $5 of what Select and Liberty charge. But, AFC’s monthly premiums change based on location, so Select may be the more affordable option depending on what city you live in. Additionally, the Diamond plan is extremely pricey at $87.75 a month, so that brought AFC’s score down to 9.1.
Non-emergency services outside of normal business hours may cost you additional fees, so be sure to read the entire AFC Home Club sample contract to learn all the details about your plan.
AFC Home Club has the highest customer experience score on our list, largely because they allow customers to choose their own technicians. One customer stated:
“I’ve been with AFC Home Club since 2019 and really appreciate their quick responses. The flexibility they provide to go through a technician of your choice or have them find you one is very helpful.”
Choosing a technician you trust can help give you peace of mind during repairs, which is a huge perk not many competitors offer. Customers also praised AFC for how simple the process for choosing your own technician was. One customer said:
“I was able to find my own local repair technician, and that helped the process considerably. I submitted the paperwork to receive reimbursement and was approved the same day.”
AFC has an average response time of 24 to 48 hours, which isn’t particularly impressive (Liberty’s average response time is 12 hours), so it brought their score down to 9.2.
AFC Home Club has fewer reviews than the competition, and while that’s not inherently a bad sign, it does give consumers less information when looking for firsthand accounts of AFC’s performance. For example, AFC has around 1,600 Google reviews, but other companies have tens of thousands. Most people associate successful companies with having a lot of five-star reviews, so this doesn’t shine a very positive light on AFC.
Customers typically praise AFC for the ability to choose their provider, with one customer saying, “The ability to choose my own technician is very important to me. I know by doing so, I get the caliber of person that I always have dealt with for the maintenance of my equipment.”
However, most complaints were about denied claims, which are very common in the industry. One customer on Google said:
“Every service request we’ve done has either been denied or had minimal pay on it. Absolutely ridiculous!”
Another customer said:
“(My) claim was denied and closed within 24 hours. Save your money. If I had, I would now have the money I need for this repair.”
AFC doesn’t have as many reviews as competitors, and the reviews they do have are average, so we gave them a score of 8.3.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.25 out of 5 stars | 149 |
| Trustpilot | 3.0 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,610 | |
| Yelp | 1.9 out of 5 stars | 338 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AFC Home Club doesn’t offer any emergency services, giving them the lowest claims process score on our list. Every other provider on our list provides emergency services, so it’s one area where AFC could improve. Other than that, AFC has a decent claims process. They offer a lifetime workmanship guarantee and have great coverage limits, both of which make it easier for customers to get their claims covered. Still, because of their lack of emergency services, we gave AFC Home Club a 6.8.
AFC Home Club operates in 49 states. According to our review standards, they earn a perfect availability score.
Cinch Home Services
4.1
Our Rating
Cinch Home Services stands out for their $10,000 annual coverage caps and their unknown preexisting condition coverage. Unlike the other providers on our list, Cinch uses collective an annual coverage limit of $10,000 instead of limits for individual items, which can give you higher payouts if something expensive breaks. Additionally, Cinch is one of the few providers in the industry to cover unknown preexisting conditions, making your claims process less nerve-wracking. I also like Cinch’s 180-day workmanship guarantee and their B+ Better Business Bureau rating, both of which give Cinch more reliability.
My biggest complaint about Cinch is their service fees. Most companies charge anywhere from $75 to $125 for service fees, but Cinch charges $100 to $150,up to double the price of most companies’ lower rates. If you choose a lower service fee, it raises your monthly premium, so Cinch is bound to be a little pricey one way or another. Likewise, Cinch doesn’t offer many promotional deals, which is a shame because any discounts would really come in handy given their high service fees. These aren’t major issues, but they’re important to consider before purchasing a policy.
Cinch’s overall score isn’t particularly impressive, but they’re one of the most unique home warranty providers on our list. Cinch stands out for its $10,000 annual coverage limits and its coverage of preexisting conditions. Annual coverage limits are beneficial because you can get higher payouts if you run into any expensive repairs that would cost more than the individual item limit on another company’s plan. No other company on our list offers annual coverage limits, so this is a big plus. Likewise, Cinch’s unknown preexisting condition coverage (along with rust and corrosion coverage) makes for a more hassle-free claims process since there are fewer exclusions to worry about.
Cinch’s preventative maintenance benefits are another underrated perk. Cinch will provide one free air conditioning and/or heating system maintenance visit for up to $100 in the event that you have no claims of any type during your first year. In other words, you actually get rewarded for not having any claims. No other company on our list offers a benefit like that. Cinch’s pitfalls are their expensive service fees and inconsistent monthly premiums across states, but these aren’t dealbreakers. Cinch has a lot of unique features that other companies can’t match, so if you want these rare perks, Cinch is the only place you’ll get it.
Cinch Home Services has the lowest plans and coverage score on our list, mainly because of their expensive service fees. Cinch is the only provider on our list with service fees as high as $150, which is much pricier than some competitors’ $75 or $100 options. These high service fees can help lower your monthly rate, but conversely, choosing a cheaper service fee option can raise your monthly rate by more than $10 a month. My personal favorite plan from Cinch is the Complete Home plan since comprehensive coverage for $55 is a great deal, even if that rate comes with an expensive service fee. However, Cinch only offers six add-ons, which is the lowest amount on our list, so we gave them a 6.7 for their plans and coverage.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Appliances | $38.99 | $100 – $150 | Get your first two months free when you choose the monthly billing option (online) |
| Built-in Systems | $43.99 | $100 – $150 | Get your first two months free when you choose the monthly billing option (online) |
| Complete Home | $54.99 | $100 – $150 | Get your first two months free when you choose the monthly billing option (online) |
*Cinch Home Services offers three service fee choices: $100, $125, or $150, which you get to choose between during your quote process. The prices shown in the table above are for a $150 service fee. Choosing the $125 or $100 options will raise your monthly rate.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Wichita, Kansas. The cost data presented was accurate at the time of writing.
Available Add-Ons
Cinch Home Services offers the following add-ons for all its plans:
- Pool (heater included): $22.00/mo
- Pool with spa (heater included): $22.00/mo
- Premier upgrade package: $12.50/mo
- Septic tank/pumping: $4.58/mo
- Spa (heater included): $22.00/mo
- Well pump: $12.50/mo
The premier upgrade package is a unique option that provides additional coverage for permits, code upgrades, and more. No other company on this list offers it, and while it is pricey, it may be worth looking into if you’re worried about keeping your appliances up to code.
Exclusions
Cinch Home Services has the following exclusions on all its plans:
- Abuse
- Accidents
- Acts of God
- Animal, pet, and/or pest damage
- Casualty
- Fire
- Flood, smoke, earthquake, or freeze damage
- Improper installation
- Insurrection and riots
- lightning strikes
- Missing parts
- Misuse and/or neglect
- Mold, mildew, mycotoxins, fungus, bacteria, virus, condensation, and/or wet or dry rot
- Nuclear explosion, reaction, radiation, or radioactive contamination
- Power failure
- Power surge
- Structural and/or property damage
- Vandalism or intentional destruction of property
- War and acts of terrorism
It’s important to note that this home warranty policy doesn’t cover damage caused by power failure since Kansas’s frquent tornados can cause power outages.
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Cinch Home Services has the lowest affordability score on our list (tied with American Home Shield), mainly due to its high service fees. Cinch’s service fees are the most expensive on our list, ranging from $100 to $150. While this isn’t a total dealbreaker if you only have a few claims a year, these fees add up quickly on top of your monthly premium. Additionally, lowering your service fee will raise your monthly rate, so there are tradeoffs. Cinch’s rates also vary greatly from state to state, rising significantly in certain areas of the northeast. Still, Cinch has very affordable monthly rates in Kansas, so we gave them an 8.7.
Cinch Home Services has the lowest customer experience score on our list (tied with Liberty Home Guard), but this isn’t necessarily a red flag. While it’s true that Cinch has a lot of complaints about their customer service, there are a lot of reviews that mention specific agents by name, thanking them for their helpfulness.
For example, one customer on Google left an initial review that said:
“I’ve been with this company for years for my rental. The one time I actually need help with a big claim, they screw me with a big bill in the end. No longer will I use their services.”
But then, they updated their review later to say:
“I received a call from Wendy Dunn from customer relations. She was extremely helpful in getting more back from my replacement. I give her 5 stars for explaining limits and her kindness and compassion. This really helped a lot and I thank you.”
One customer even went as far as to say:
“I would like to start out by saying that this review is for the claims tier 3 service agent Evan Fields, and honestly only him! He is the ONLY one that has listened to me, helped me, understood me, took good care of me. I am so grateful and appreciative of him, his work, and what he has done for me.”
Even though certain employees go above and beyond for their customers, Cinch’s general customer service could use improvement, so we gave them a 7.8.
Cinch earned a B+ with the Better Business Bureau, giving them the highest BBB score on our list. But, their online customer reviews aren’t very impressive. Still, many customers praised Cinch’s timely responses and payouts. One Google customer said:
“My appointment was scheduled in a very timely manner. We had to wait for parts to be ordered. Once it was determined that the dryer was not repairable, I was given a replacement or buy-out option. I chose buy-out. The check arrived in about a week.”
On the other hand, most of the complaints were about claim denials, bad customer service, and long wait times. One customer said:
“Our oven broke 80 days ago, and we still do not have a resolution. There seems to be no accountability at Cinch to deliver to customers … “
Even after complaints, many reviewers were able to get their issues resolved by reaching out to the customer relations team. One customer edited their review, saying:
“EDIT: Our claim was reviewed by a Customer Relations in the Cinch Home Services organization. She approved our claim and we received a check for the full amount of the claim in a few days. It helps to have the claims reviewed. (I’m) very satisfied with the outcome.”
While their online reviews aren’t very impressive, Cinch has a high BBB rating and works to resolve customer complaints, so we gave them an 8.3.
| Rating Site | Rating | Number of Reviews |
| BBB | B+ / 1.12 out of 5 stars | 1,535 |
| Trustpilot | 3.8 out of 5 stars | 3,113 |
| 3.1 out of 5 stars | 2,640 | |
| Yelp | 1.0 out of 5 stars | 5 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Cinch Home Services has a very high claims process score, second only to Liberty Home Guard on our list. This is partially because Cinch has a $10,000 annual coverage limit, so the payouts are better than those of competitors who limit amounts for individual items. Additionally, Cinch has a fast 24-hour response time, 24/7 availability, and fee-free emergency services, which are all great for getting your claims settled quickly and efficiently. With all these things considered, we gave Cinch a 9.2.
Cinch Home Services is available in the 48 continental United States, which means we gave the company a perfect availability score.
Calculate the Cost of Kansas Home Warranty
If you’re trying to figure out how much a home warranty will cost, Today’s Homeowner created a handy cost calculator to help you. Enter your monthly cost, service call fee, and expected number of claims below to estimate your annual home warranty cost.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Kansas Home Warranty Regulations
The state of Kansas doesn’t have a clear governmental body to regulate home warranties. Instead, the Kansas Attorney General’s Office of Consumer Protection handles any issues should they arise. Kansas Administrative Regulation § 92-19-62 contains laws regarding warranties and service contracts, but most of them focus solely on sales tax. While this lack of legislation may promote industry self-regulation, the Service Contract Industry Council (SCIC) also steps in to help states where there is no formal legislation to help regulate home service contracts.
The Service Contract Industry Council “works with lawmakers across the country to develop fair and uniform regulation to protect consumers, and is an advocate for the regulation of the service contract industry.” The SCIC also provides a list of home service providers to choose from, but this isn’t an exhaustive list. If you’re concerned about your home warranty provider operating within legal regulations in Kansas, research the company to make sure they’re not involved with any lawsuits, search through customer reviews online, and contact the Kansas Attorney General’s Office of Consumer Protection to make sure your chosen provider is in good standing. As you’ll see in the following section, HomeServe is currently under investigation, so the consumer protection office can help by confirming this type of information.
Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.
Kansas Home Warranty News
According to KSNW local Wichita news, a home warranty company called HomeServe will have to pay $500,000 to the state of Kansas and $350,000 for restitution to Kansas consumers after a joint investigation between the Kansas Attorney General’s Office and Sedgwick County District Attorney’s office. The investigation claims that HomeServe offered electrical home repair plans that didn’t provide any actual benefit to policyholders, violating the Kansas Consumer Protection Act, which prohibits “misleading, deceptive, and unconscionable trade practices.”
HomeServe allegedly implemented electrical requirements that said a home’s electrical system had to have a certain amperage to receive services, which were fraudulent. Moving forward, they’ll have to remove these requirements and waive amperage requirements in their current plans. According to The Kansas Reflector, Kansas’ largest electric utility company, called Evergy, will also have to pay $500,000 for their sponsorship of “home electrical warranties that provided no benefit.”
Frequently Asked Questions
Do You Need a Home Warranty in Kansas?
Purchasing a home warranty policy isn’t a requirement in Kansas, but it can be beneficial for your finances, depending on your needs.
How Much Does a Home Warranty Cost in Kansas?
The average cost of a home warranty in Kansas is $50.27 a month, not including service fees. To find out more about the costs associated with home warranties, check out our home warranty cost guide.
How Can You Save Money When Shopping for Home Warranties In Kansas?
To get the best rates on your Kansas home warranty, I recommend getting quotes from multiple companies to see how the prices compare (this gives you some leverage if you want to ask for a price match) and waiting for a good online promotional deal before buying. Also, don’t be afraid to call and ask a representative directly if they have any discounts because the worst they can say is “no.”
Is a Home Warranty Worth It for Kansas Homeowners?
A home warranty is worth it in Kansas because unexpected repairs can cost thousands of dollars, and a monthly bill is easier to manage than draining your savings when disaster strikes. It can be difficult to know for sure if home warranties are worth it for your specific circumstances, but consider your needs and your policy exclusions before buying a policy.
