For many people in Kansas, the dream of homeownership can be made a reality. There are lots of areas in Kansas for affordable homes with beautiful views and lots of land. However, as great as Kansas can be, there are always stressors when dealing with owning a home. 

Home warranties are typically worth the investment in most areas, but Kansas homeowners often get more out of them than homeowners in other states. Kansas experiences numerous tornadoes and supercell thunderstorms every year that can put roofing at risk of damage and leaks. The low winter temperatures can also put undue stress on heating systems, and home warranties often cover related damages. We take all of these local factors and more into consideration when ranking the best home warranty companies in Kansas.

Best Claims Acceptance Rate
logo choice home warranty
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Limited Time: $50 Off + 1 month free when you signup today!
Best Coverage Limit
american home shield
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Limited Time: $150 OFF All Home Warranty Plans for new members.
Best for Customization
liberty home guard logo
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Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
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Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Our Picks For the Best Home Warranties in Kansas

Choice Home Warranty: Best Claim Acceptance Rate

Compare the Best Home Warranty Companies in Kansas

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.


Monthly Cost

Service Fee

Coverage Limit

Response Time


States Covered




24–48 hours


49 states, excluding WA




24–72 hours


50 States




12–48 hours


47 states, excluding NV, WA, and WI




24–48 hours


47 states, excluding NV, WA, and WI




24–48 hours


49 states, excluding HI




24–48 hours


48 states, excluding AK and HI




24–48 hours


42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY




24–48 hours


34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI

*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.

Best Claims Acceptance Rate

Choice Home Warranty


Our Rating

Limited Time: $50 Off + 1 month free when you sign up today!

Choice Home Warranty is the best overall home warranty in the state of Kansas. For the last 13 years, Choice Home Warranty has offered affordable yet impressive coverage for those that want to protect their Kansas home. One of the things that really helps Choice Home Warranty stand out is the fact that they have very straightforward and simple coverage. The fine print on the Choice Home Warranty plan is almost non-existent, and you can quickly tell what appliances and systems are covered in your Kansas home

Key Highlights
  • Our Take: Best Overall
  • Average Annual Cost: $504-$639.96
  • Response Time: Up to 48 hours
Excellent customer service
All plans include home systems and appliances
Outstanding coverage options
Contracts and coverage are easy to understand
Not much plan customization available

Unlike other policies on the market that will have three and four plans to choose from, Choice Home Warranty has only two plans. However, this is actually a positive. The decision as to which plan will work best for you will be quite a bit easier. In addition, both of the Choice Home Warranty plans are going to be combo or comprehensive plans; this means that they cover a variety of systems and appliances. Choice Home Warranty also has a good mix of add-on coverage options to help ensure your policy is comprehensive. This company has coverage caps that reach up to around $2,500, and the service fee is in line with the industry average at $85 per claim.

Here’s a detailed look at Choice Home Warranty’s coverage: 

  • Basic Plan ($42/month): The Basic Plan provides coverage for appliances and home systems, setting it apart from most other companies’ basic plans. This plan includes protection for heating, electrical, and plumbing systems, plus HVAC ductwork, toilets, and water heaters. You also get appliance protection for your oven, cooktop exhaust fan, dishwasher, garbage disposal, microwave, ceiling fans, and garage door opener. The price is quite appealing, given the extent of the coverage.
  • Total Plan ($53.33/month): The Total plan is Choice Home Warranty’s more comprehensive option. It includes protection for everything in the Basic Plan, and it adds on refrigerators, washers, dryers, and more. For just a little more per month, this is usually the better option.

Choice Home Warranty allows for some plan customization with a handful of add-on options, including:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Stand-alone freezer
Best For Customization

Liberty Home Guard


Our Rating

Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.

Liberty Home Guard is the most trustworthy home warranty in the state of Kansas. Having a trustworthy home warranty company is very beneficial. As you use your plan, you will need excellent customer service interactions, lots of helpful advice, and timely service. Liberty Home Guard provides all of these. The Liberty Home Guard plan has only been on the market for two years, yet it has already earned a BBB rating of an A. This is almost unheard of in the home warranty industry and a major reason to take this plan seriously. If you like new companies with modern technologies and systems, the Liberty Home Guard plan could be a perfect fit.

  • Our Take: Most Trustworthy
  • Average Annual Cost: $779.88-$899.88
  • Response Time: Within 24 hours
Great rating with the BBB
Simple claims process
Outstanding customer experience
60-day workmanship guarantee offered with all plans
A bit expensive

Liberty Home Guard offers three plans to choose from. You can pick the appliance plan, systems plan, or combo plan for your home. The combo plan covers both systems and appliances, and it is quite an impressive amount of coverage. However, the list of add-on coverages that Liberty Home Guard provides is probably the thing that makes it stand out the most; you can’t go wrong when you can add things like pest control, pools, and even gutter cleaning to your home warranty.

Here’s a detailed look at Liberty Home Guard’s coverage:

  • Appliance Guard ($64.99/month): The Appliance Guard plan from LHG is for appliances only and doesn’t include any home systems. You’ll get coverage for ovens, dishwashers, ice makers, refrigerators, microwaves, washers, and dryers. The cost is relatively high for an appliance-only plan, but it includes some extra coverages like garbage disposals, ceiling fans, and garage door openers.
  • Systems Guard ($69.99/month): The Systems Guard plan is for homeowners who want home systems covered and don’t necessarily need appliance protection. The covered systems include your plumbing system, electrical system, heating system, and air conditioning. It also covers some individual components, including HVAC ductwork, bathroom exhaust fans, toilets, and water heaters.
  • Total Home Guard ($74.99/month): The Total Home Guard plan is the most comprehensive option from LHG, and it provides total peace of mind. It includes everything in the Appliance Guard and the Systems Guard plans for just a slightly higher monthly charge. Most Kansas homeowners find this plan the best value for the money.

Liberty Home Guard has more customization options available via add-on options than most other companies. Optional coverages include:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Best Value

Select Home Warranty


Our Rating

Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Select Home Warranty is the most cost-effective home warranty plan for Kansas homeowners. Select Home Warranty tries to keep your budget in mind when choosing a home warranty plan for your Kansas home. The budget helps to keep the costs of a home warranty reasonable enough to ensure that you get the coverage you deserve for the plan. Select Home Warranty is very serious about their workmanship and the quality and training of their repair technicians. In addition, having spent about nine years in the industry Select Home Warranty has some impressive customer service reviews. However, one of the things that this plan is most well known for is the free roof leak coverage.

  • Our Take: Most Cost-Effective
  • Average Annual Cost: $624-$684
  • Response Time: Up to 48 hours
Very affordable
All plans cover roof leaks, which is great for Kansas residents
Excellent customer service
Long company history
Coverage caps aren’t as appealing as those from competitors

There are three Select Home Warranty plans to choose from. One plan is an appliance plan; then there is a systems plan and a combo plan to choose from. The Select Home Warranty combo plan is by far the best value. It is just a few dollars more per month but combines both the system and appliance plan coverage. Select Home Warranty has some optional or add-on coverages that you can add to your policy in addition to the free roof leak coverage you will be getting. The coverage caps for this company are a bit lower than average at $1,500, but the price of the plans makes them appealing still. Additionally, the service call fee is just $60.

Here’s a detailed look at Select Home Warranty’s coverage: 

  • Bronze Plan ($52/month): The Bronze Plan is the appliance-only plan from Select Home Warranty, so all home systems are excluded. This covers refrigerators, ovens, ranges, garbage disposals, microwaves, clothes dryers, and washing machines. The price is quite appealing, especially since it covers all major appliances.
  • Gold Plan ($52/month): The Gold Plan is the systems-only option from Select Home Warranty, so it focuses on things like plumbing and heating equipment rather than coverage for kitchen appliances. It protects your plumbing, electrical, air conditioning, and heating systems, which includes HVAC ductwork and water heaters.
  • Platinum Plan ($57/month): The Platinum Plan is the primary reason why we think Select Home Warranty is the most budget-friendly option in the industry. For just $5 more than either of the other plans, it includes everything from both. In case that wasn’t enough, this plan option also offers protection for ceiling fans, garage door openers, and plumbing blockages.

Select Home Warranty also lets you customize your coverage options a bit using add-on services, which include:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer

Best Coverage Limits

American Home Shield


Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

American Home Shield is the most customizable plan in Kansas. Most homes in Kansas have unique features that will make them special to you. These features may need additional coverage under a home warranty plan, and American Home Shield is the perfect company to help. With the American Home Shield home warranty, you can pick and choose coverages to help you build a plan that is priced well and has the proper coverage for your home. With over 50 years in the home warranty industry, American Home Shield knows how to provide impressive workmanship and premium coverage.

  • Our Take: Best Customizable Plans
  • Average Annual Cost: $419.88-$779.88
  • Response Time: Up to 48 hours
Long company history
Lots of customization options for coverage
Uncommon coverage options
High payout rates
More expensive than many competitors

There are three American Home Shield warranty options, including a systems plan and then two comprehensive or combo plan choices. The combo plans tend to be a more popular option for those looking to protect their entire Kansas home. Each of the plans also has options for add-on coverages to help increase the overall coverage and protection offered by the plan. The coverage caps are unlimited for some categories and up to $3,000 for others. The service fee is customizable along with your plan, so you could pay anywhere between $75 and $150.

Here’s a detailed look at American Home Shield’s coverage: 

  • ShieldSilver ($39.99/month): The ShieldSilver Plan covers 14 different home systems. As a systems-only plan, it doesn’t protect any appliances. This plan includes coverage for major systems like heating, electrical, and plumbing. It also covers water heaters, HVAC ductwork, air conditioning, garage door openers, smoke alarms, and more. This is one of the most affordable systems plans in the industry.
  • ShieldGold ($49.99/month): The ShieldGold plan includes everything in the ShieldSilver plan, plus some appliances. Appliance coverage includes refrigerators, ovens, stoves, dishwashers, microwaves, washing machines, clothes dryers, water dispensers, and garbage disposals.
  • ShieldPlatinum ($64.99/month): The ShieldPlatinum plan from AHS is the most comprehensive coverage option, which includes everything from ShieldSilver and ShieldGold, plus additional coverage. It adds on roof leak repair, which is crucial in Kansas, unlimited AC refrigerant, permits, code violations, and preventative maintenance for air conditioners. ShieldPlatinum is much more expensive but also comes with higher coverage caps and lower service fees.

There is some opportunity for plan customization with American Home Shield, as you can add any of the below services to any plan above:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV

How Much Does a Home Warranty in Kansas Cost?

The typical Kansas home warranty cost will range from around $35 a month to about $75 per month, or around $712 per year. The specifics of the plan will be determined by the individual coverages you choose. Some plans offer discounts for paying in advance or for increasing the costs of your service fee. The average service fee per claim is around $85. The table below provides some more detailed information on pricing based on the type of home for which you need coverage.

Single Family$589.77
Multi Family$1,079.30
Home Over 5,000 sq ft$1,294.73
Home Under 5,000 sq ft$640.13

Final Thoughts

At this point, you should feel quite a bit more confident about picking a home warranty company for your Kansas home. The Choice Home Warranty stands out as the best overall option for Kansas homeowners. With the 13 years Choice has spent in the industry, they know what excellent customer service is, and they keep their plan options straightforward. Although we consider Choice to be the best plan on the market, getting multiple home warranty quotes makes sense. You may find that one company gives you a deal that is hard to pass on. 

How to Choose the Best Home Warranty in Kansas

The top five home warranties in Kansas are all excellent options. However, you will still need to narrow the list down to find the perfect one for your home. There are lots of things to consider when deciding between home warranty plans. Three of the most essential factors are overall pricing, details of coverage, and the BBB rating. 

  • Overall Pricing: When looking at the general pricing of a home warranty plan, be sure to include the service fee costs, monthly payments, and coverage caps or limits. If a repair or replacement gets very expensive, will your plan still cover it? 
  • Details of Coverage: Just because your refrigerator is covered under your home warranty plan does not always mean that all repairs and breaks will be covered. Make sure that you take a look at the individual coverages and details of the most critical systems and appliances in the home. 
  • BBB Rating: The BBB rating indicates how the home warranty company is doing when it comes to customer service and the overall reliability of the plan. A company like Liberty Home Guard that already went to a BBB rating of an A in a short period has to be doing some things correctly. 

In addition to these general considerations, there are some additional local things to consider when choosing a home warranty in Kansas.

For one, Kansas receives its fair share of extreme weather, which includes an average of 50 tornadoes annually and supercell thunderstorms that can bring heavy rain, strong winds, and hail. All of these weather conditions can take their toll on your roof and home’s exterior, and roof leaks are, unfortunately, a more common occurrence in KS than in many other states. As such, most residents recommend choosing a home warranty that includes roof leak or roof damage protection.

Keeping in line with extreme weather, the temperatures in Kansas can reach into the 90s in the summer and sit well below freezing in the winter. Your AC system is likely to be under immense stress during those hot summer days, and your heating system will be called on constantly to battle the freezing winter temperatures. These systems are often covered by home warranties, which means those that protect them are typically better options in the area.

What is a Home Warranty?

A home warranty is a home protection plan, which acts similar to homeowners insurance in some ways. When you have a home warranty plan in place for your home, any unexpected damages or issues that are covered in your policy can be claimed and paid for by your home warranty service provider.

Home warranties are paid monthly or annually, and you’ll also have a service fee that you’ll need to pay for each service call you make. Additionally, home warranties include payout limits — called coverage caps — above which you’ll be responsible for any remaining balance for maintenance or replacement.

Home Warranty vs. Homeowners Insurance

Although it’s easy to compare home warranties and home insurance policies, the two differ in some important ways.

First, homeowners insurance is typically general coverage that includes your entire home. It might pay out based on damage done to appliances and other belongings, but it’s a general policy that pays out for large-scale damage in most cases. Home warranties, on the other hand, cover individual appliances and home systems, like refrigerators and plumbing systems. You can submit claims for each individually covered item.

Second, homeowners insurance usually only provides coverage in the case of a catastrophe, like a fire, severe thunderstorm, tornado, flood, or another natural disaster. Home warranties provide coverage for much less severe issues, like a refrigerator that stops working from old age or an air conditioning system that fails from constant use.

Finally, the two differ in your out-of-pocket costs — also called a deductible — when service is needed. With a homeowners insurance policy, you typically have a sizable deduction of several thousand dollars before the coverage kicks in, but the coverage caps are significantly higher than with home warranties. If you need coverage from a home warranty, you’ll often only pay the service fee — around $85 — but the coverage cap will be lower than with a home insurance policy.

How Does a Home Warranty in Kansas Work?

The process of securing a home warranty is simple: you just choose a provider, select a plan, and pay for coverage. Once you make payment, there’s a waiting period between 10 and 90 days in most cases before coverage kicks in.

After you’re officially covered, you can submit a claim by following the below process:

  • Identify a problem with a home appliance or system that is covered by your plan
  • Request service, which is typically done via the company’s website or by phone call
  • Wait for the service technician that your provider hires to come fix the issue
  • Pay the service call fee

What Does a Home Warranty Cover?

Home warranties all differ in what they cover, which is why it’s often challenging to find the right home warranty company for you. Most home warranty plans cover appliances or home systems, and the more comprehensive options cover both.

Common appliances covered by home warranties include refrigerators, ovens, cooktops, dishwashers, microwaves, clothes washers, clothes dryers, and more. Common home systems covered include plumbing, electrical, heating, and air conditioning. Many system-focused plans also include things like hot water heaters, garage door openers, plumbing leaks, plumbing stoppages, and more.

Most home warranty companies also give you the opportunity to customize your coverage a bit via add-on products. Common add-on coverages include pools, spas, sprinkler systems, roof leaks, and more.

What is Not Covered by a Home Warranty?

The specific exclusions in your home warranty coverage will be detailed in your service contract. Every warranty is different, so it’s crucial that you check your contract for details. However, most exclude intentional damage, damages caused by a lack of proper maintenance, cosmetic issues, and pre-existing conditions.

Biggest Complaints about Home Warranty Companies in Kansas

Countless homeowners in Kansas are pleased with the service and coverage they get from their home warranties. However, as is the case in any industry, there are some recurring negative things we see in customer reviews from residents in Kansas.

One of the complaints we see most often is that the out-of-pocket costs are higher than expected with certain repairs. It’s crucial to remember that home warranties have coverage caps, which are payout limitations per item and annually. If any repair or replacement exceeds the given coverage cap, you’ll be responsible for the difference. Larger home improvement issues — like large-scale roof leaking or refrigerator replacements — are the most likely to exceed coverage caps.

Another common issue we hear about from Kansas homeowners is that coverage isn’t provided when it’s expected. In some cases, less reputable companies might deny a claim to save money, even though the item is covered in your warranty. It’s crucial that you only work with reliable providers, like the ones we’ve reviewed above. In other cases, there could be limitations that the customer doesn’t know about. You should read your service contract carefully for limitations and exclusions to avoid this issue.

Are home warranties worth it?

It’s impossible to say definitively if a home warranty will be worth the investment for you. However, most homeowners do benefit and end up saving quite a lot of money by investing in a home warranty plan. They’re especially lucrative for first-time homebuyers moving into a new home, sellers in the real estate market, and residents who live in aging homes.

It only takes a few systems or home appliance repairs to see the value in a home warranty policy. Home maintenance and repairs are expensive. If you are not handy and can’t fix a microwave or repair ductwork, having a home warranty in place could end up saving you thousands of dollars. As long as you choose the proper Kansas home warranty, you will likely find it to be well worth the money you pay.

For example, a typical call to a plumber, electrician, or HVAC technician will total around $300 or more. A fridge repair can total closer to $400, and a total replacement of failed appliances will cost between $400 and $3,000 in most cases. Other repairs are also quite expensive, like roof leaks, which average around $1,500, and HVAC systems going down, which can total around $500 or more to fix.

Even if you don’t end up saving money with a home warranty, the peace of mind it provides often makes the investment worthwhile. Without a home warranty, you could find yourself on the hook for thousands of dollars, and these repairs can come at inopportune times. A home warranty can help you budget more accurately and avoid unexpected fees for home repair.

Today’s Homeowner Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. 

Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.
Editorial Contributors
Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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