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Last Updated: February 25, 2025
Owning a home in Atchison has a lot of great advantages, but there are some negatives. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty in Atchison can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Atchison. Read on for our home warranty recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Atchison residents. Liberty has over 6 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Atchison homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Atchison residents. Choice has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Atchison homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Atchison residents. Select has over 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Atchison homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty for Atchison residents. AHS has over 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Atchison homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Atchison residents. First American has over 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Atchison homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Atchison residents. Cinch has over 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Atchison homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Atchison residents. HSC has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Atchison homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,699 |
| Heating | $3,799 |
| Electrical | $570 |
| Toilets | $475 |
| Washer/Dryer | $760 |
| Plumbing | $570 |
| Oven | $1,520 |
| Fridge | $570 |
A home warranty is a protection plan that helps reduce the high costs for Atchison homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who own older homes or ones with aging systems. Newer builds with modern appliances probably don’t need a home warranty.
Home warranties cover many household systems and appliances. Typical covered appliances are dryers, garbage disposals, microwaves, washers, dishwashers, refrigerators, and more. Protected systems include plumbing, heating, air conditioning, and electrical. Various home warranty plans offer additional coverage for roof leaks, central vacuums, septic systems, and even locksmiths. It's important for Atchison homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies differ significantly in terms of coverage. Most plans cover heating, electrical, plumbing, AC, and appliances. More inclusive options also include coverage for other items such as well pumps, roof leaks, pools, and spas. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize your plan to meet your home's needs.
With any home warranty claim, you'll pay a service fee, usually falling in the $60 to $100 range, which gets paid per repair request filed. These per-claim charges can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's track record gives insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Contact potential providers to ask how many repair contractors they have in Atchison and get an idea for how fast your repairs might happen in an emergency situation. Bigger networks improve the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies include perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses offer extra value beyond repair coverage. Extra perks enhance your home and help maximize your home warranty.
Since temperatures in Atchison can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also yield value in other ways. For instance, some policies can be transferred between owners during a home sale.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Atchison can cost anywhere from $30 to $60 a month. Higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranties cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Atchison. It doesn't cover a normal appliance or system repairs.
Homebuyers, real estate agents, homeowners, home sellers, and landlords can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different types of home warranties in Atchison include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items mentioned in the policy.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Typically, the homeowner pays for the home warranty. In some cases, though, the home seller may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Atchison is $139,082, a home warranty can save you some money when buying a home.
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