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Best Home Warranty in Kansas City

Updated 4/18/2019

A home warranty is a supplemental plan that works alongside homeowners insurance. Unlike insurance, which covers property damage and crimes, a home warranty covers specific components of your home. Our partners at ConsumerAffairs researched the best home warranty in Kansas City to help you potentially save thousands of dollars in repair and replacement costs.

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American Home Shield
American Home Shield
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#2
Total Home Protection
Total Home Protection
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(732) 520-4474
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  • Coverage regardless of age
  • Work with licensed, local technicians
  • 24/7 claims service
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Select Home Warranty
Select Home Warranty
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(317) 754-6642
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  • Buyer & seller coverage
  • 3 coverage plans
  • Available in Kansas City
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#4
Choice Home Warranty
Choice Home Warranty
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(732) 765-6416
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  • One free month
  • $60 service call fees
  • Available in Kansas City
  • Extensive & basic plan
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How to choose a home warranty in Kansas City

Kansas City skyline

A home warranty can be a good idea for anyone, especially those purchasing an older home in Kansas City, such as Midtown or Westport. In fact, many sellers include warranties in the purchase agreement. Homes with warranties sell for $2,300 more than those without. If you are renting your home, a home warranty can help you receive fast and simple maintenance at a fixed cost.

The average home warranty in Kansas City costs between $300 and $600 a year. Because maintaining a home is expensive (it costs on average $3,000 a year to maintain a $300,000 home), a home warranty can help offset those costs by covering plumbing, electrical, heating and cooling systems and major appliances in the case of a breakdown.

Here’s a look at the average life expectancy of common home appliances and their average repair costs:

Appliance Life (in years) Average repair cost (Midtown, 64111)
Central air conditioner 7-15 $294
Dryer 13 $169
Furnace 16-20 $218
Sump pump 7 $447
Water heater 10 $539

When needing a repair or replacement covered by a home warranty, a homeowner would call the home warranty company itself. The company then hires one of its service providers in the area to fix the problem. The warranty, depending on the plan, will pay for the repairs and charge a small service fee, typically less than $100. Some plans include deductibles up to $150 for large repairs.

To know exactly what costs you will face with your warranty, read your contract carefully. Here are a few things to look for:

  • Coverage: Which appliances are covered?
  • Co-payment fees: In what cases do you have to pay a fee?
  • Plan limits: When does your coverage reach a cap?
  • Agent/broker legitimacy: Is this agent reliable?

Reading carefully is the difference between paying the full cost of repair or only the deductible and service fee, so be sure you understand everything before signing a contract. Keep the details in mind. For example, your plan may cover your refrigerator, but what about the icemaker? You may also not be covered if the damage is due to personal neglect.

In addition to terms and conditions, you should also research your agent or broker thoroughly. This includes reading customer reviews to figure out common response times and customer support experiences. Your warranty is only as good as the company that provides it, so make sure you’re investing wisely. A good home warranty can pay for itself in just a few repairs. A bad one could double your costs.

American Home Shield

American Home Shield (888) 395-0951

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With three different plans or a flexible build-your-own-plan option, American Home Shield offers a strategy for any home. American Home Shield has over 14,000 contractors nationwide and demands the highest standards. In fact, the company promises to send a contractor back to your home if there is an issue within 60 days of service.

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Total Home Protection

Total Home Protection (732) 520-4474

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Total Home Protection offers KC residents a gold and platinum plan with optional add-ons, such as for a sump pump or additional A/C system. Conveniently submit claims by phone or online anytime. Pre-screened contractors are sent to your home for the deductible. Plans start at $1 a day, making this a great choice for those who want at least basic coverage.

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Select Home Warranty

Select Home Warranty (317) 754-6642

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Select Home Warranty offers three levels of coverage and extra features that cover all makes and models of appliances. It does not require a home inspection prior to coverage, but it does have a contract-mandated 30-day waiting period for service. Select Home Warranty is a member of the National Home Warranty Association, a non-profit industry trade organization.

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Choice Home Warranty

Choice Home Warranty (732) 765-6416

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Choice Home Warranty offers two home warranty plans with straightforward pricing: total and basic. Both cover most of your home’s needs and are customizable for more coverage, maintaining the same affordable service fee no matter which plan you choose. It also does not require a home inspection for plan enrollment.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.