American Home Shield is the best home warranty company in Kansas, based on coverage details and recent reviews from verified local customers. In a state where temperatures can swing from bitter winter cold to peak-summer heat, the company’s comprehensive coverage keeps your home protected.
Beyond HVAC, many plans also include protection for essentials like water heaters, garbage disposals and electrical components. In Kansas, home warranty plans typically cost $27.99 to $99.99 per month, depending on coverage.
American Home Shield is our top pick for Kansas because it pairs strong heating and cooling coverage with limits that better reflect real repair costs.
Jump to insightHome warranty plans in Kansas average $65.76 per month, with recent annual quotes ranging from $335 to $1,200, depending on plan level.
Jump to insightWith Kansas' wide temperature swings, look for a plan that treats both heating and AC as priorities, not add-ons.
Jump to insightOur research team vetted home warranty companies that are rated by hundreds of customers in Kansas. Read our guide to choose the best home warranty in Kansas for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
110,956 reviews
110,956 reviews
| Best overall | $29.99 | $100 or $125 |
 Old Republic Home Protection | Learn More | 3.8
2,248 reviews
2,248 reviews
| Claims handling | $50 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
75,585 reviews
75,585 reviews
| Furnace coverage | $49 | $100 |
 Select Home Warranty | Get a Quote | 4.0
16,506 reviews
16,506 reviews
| Roof coverage | $35 | $75 to $100 |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Kansas on ConsumerAffairs.
Jump into our guides and start learning
Kansas homeowners face hot summers, cold winters and severe storms that can damage home systems. A home warranty helps cover the cost of repairing essential systems and appliances affected by the state's climate extremes.
In Kansas, balance heating and cooling coverage while also considering storm-related electrical protection.
Jump to insightKansas residents pay an average of $65.76 monthly for home warranties. Annual premiums range from $335 to $1,200, depending on the plan and provider. Service fees generally fall between $75 and $150.
Jump to insightHome warranties generally cover major household systems and appliances, with combo plans offering the broadest protection.
Jump to insightTo choose a home warranty in Kansas, start by matching coverage to the state's climate challenges — strong cooling for summer, heating for winter and plumbing or electrical support for storm season. Then compare costs, contract details and customer reviews to find the company that offers the best value and service.
Start with your biggest risks. If your air conditioning and furnace are older, a systems plan or combo plan is worth considering to handle Kansas' hot summers and freezing winters. If you're mainly worried about aging appliances, an appliances-only plan may be enough.
Since HVAC issues tend to have the biggest consequences, consider this coverage carefully. Karen in Topeka had a bad experience with her provider in the winter stating, "My furnace went out. It took them 3 1/2 weeks to finally get someone to come fix it. We had very cold weather. There was no communication with me unless I called them."
Kansas weather can push systems hard, so compare not just monthly fees but also service call charges and coverage caps. Factor in the cost of add-ons like sump pump or roof leak protection, which can be especially useful during severe storms and heavy rainfall.
Before committing, read the fine print in sample contracts. Check for exclusions on storm-related issues, payout caps for key systems and details about waiting periods.
You should also get clarity on refund and cancellation policies. When Tiffany from Wichita signed up for her policy, she specifically asked if the policy was transferrable and was told it was. However, she told us, "I sold the house due to work and called, to cancel and get a refund was told by a supervisor no refunds!"
Look for reviews from Kansas homeowners to see how companies handle claims in practice. Reliable, local contractors are key — especially when storms or sudden temperature swings create a surge in service calls. A company with a strong network can help you avoid long delays.
A home warranty costs $65.76 per month on average in Kansas. Home warranty premiums generally range from $27.99 to $99.99 per month, depending on the plan. The average cost of a home warranty in Kansas is 2.8% lower than the national average.
We received quotes for each of our top picks in Kansas for a three-bed, two-bath home in Wichita.
| Provider | Monthly premium range* | Service call fee |
 | $39.99 to $99.99 | $100 or $125 |
 | $50 to $80 | $100 or $125 |
 | $46.83 to $54.75 | $100 |
 | $60.42 to $63.75 | $75 to $100 |
| $39.99 to $99.99 | $100 or $125 |
| $50 to $80 | $100 or $125 |
| $46.83 to $54.75 | $100 |
| $60.42 to $63.75 | $75 to $100 |
*Data updated January 2026*
Most home warranty companies let you choose between monthly and annual payments. Monthly billing spreads your expenses, while annual options often come with a discount. Your premium depends on the coverage plan and optional add-ons you select. Home warranty premiums vary by provider and location.
Whenever you submit a claim, you'll pay a service call fee for a technician to diagnose and repair the problem. These fees typically range from $50 to $150 per visit, depending on your provider and plan.
Example: total annual home warranty costs
Here's what a Kansas homeowner might pay for a mid-tier plan with a couple of add-ons and a few service calls:
- Systems plan ($56 per month): $672 per year
- Add-on for well pump ($9 per month): $108 per year
- Three claims ($85 service fee): $255
- Total: $1,035 per year
Home warranty plans in Kansas are usually structured as appliance plans, systems plans or comprehensive combo plans.
Most providers also offer optional add-ons for enhanced protection. Popular choices in Kansas include roof leak repair, well pumps, sump pumps, septic systems and pool or spa equipment.
Roof leak coverage is valuable in Kansas due to severe storms and tornado activity. Sump pump and septic system coverage are also useful in areas prone to heavy rain or rural living. Given the state's harsh winters, coverage for heating and plumbing is essential as well.
Bryan in Overland Park likes the peace of mind that comes from paying for coverage, then filing claims when appliances act up. Even when delays meant extra visits, the claim still got finished: "They eventually resolved the issue, and everything has been working perfectly since then."
Key takeaway: Easy repeat claims feel worth it when fixes get completed
Daniel in Kansas City knows repairs can take time, even when the fix is straightforward. He shared, "The technician was able to resolve the issue on my refrigerator's ice maker, although it required a second visit because he needed to reorder a part." The waiting is the rough patch, but once the tech returns, the repair gets wrapped up.
Key takeaway: Delays happen, but follow-up visits can finish the job
Carrie in Rozel thought the hard part was getting the washer diagnosed, but the real wait started after. “The approval process for repairs or replacements takes an unreasonably long time. Currently, I am waiting for them to approve a request for a new washing machine.” However, she noted the tech did their part fast.
Key takeaway: Repairs can stall for weeks while approval drags on
Your savings will depend on what needs fixing or replacing, but even one covered incident can pay for itself. The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value annually for repairs — much more than the typical $700 to $1,200 you’d spend on a warranty and service fees. Avoiding a single expensive repair could mean thousands in savings.
Here's what typical repairs cost in Kansas without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
In most states, it's often challenging to find out who regulates the home warranty industry, and Kansas is no exception.
While the industry has technically been regulated since at least 2005, this law only excludes home warranties and other service contracts from insurance regulations. Specific standards for home warranties, like cancellation rules and required disclosures, are hard to come by.
We also couldn't find any specific information regarding what government entity regulates this industry. We reached out to the Kansas attorney general's office, but we haven't heard back at the time of publishing.
This lack of clarity doesn't speak to strong regulatory oversight in Kansas (outside of the general Consumer Protection Act), so you probably want to be extra careful that you're doing business with a legitimate home warranty provider when shopping in Kansas. Read reviews, compare quotes and do your research before signing a contract.
Deciding whether or not a home warranty is worth it really depends on what you want.
It’s up to you to weigh the risks and benefits for your particular situation.
Yes, homeowners insurance can cover appliances, but only if they’re damaged or lost in a fire, a theft or another covered event. If an appliance breaks down from regular use, your homeowners insurance won’t cover the cost to repair or replace it. That’s where a home warranty plan comes into play.
Most providers assign their own network contractors to handle claims. If you want to use your own preferred contractor, ask the warranty company up front — some allow it, but you’ll usually need pre-approval.
You can cancel your Kansas home warranty at any time by contacting your provider. Most companies will charge a cancellation fee, and refunds are usually prorated based on how much time is left in your contract.
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Kansas, then evaluated which performed best for local residents.
Here's how we scored each company:
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.6
110,956 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Old Republic Home Protection
| 3.8
2,248 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
|
Choice Home Warranty
| 4.0
75,585 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
Select Home Warranty
| 4.0
16,506 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Liberty Home Guard
| 4.5
1,735 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.4
573 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,899 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.2
12,445 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
First American Home Warranty
| 4.0
8,991 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
Prestige Home Guard
| 3.9
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Regency Total Warranty
| 3.7
1,122 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Priority Home Shield
| 3.6
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |
HomeServe
| 1.7
2,108 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
First Premier Home Warranty
| 1.6
659 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Super
| 1.5
437 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
Achosa Home Warranty
| 1.7
10 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,962 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
Sears Home Services
| 1.1
471 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,760 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
352 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
Home Warranty of America
| 1.0
4,041 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.0
321 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
America's Preferred Home Warranty
| 1.0
15 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
The Home Service Club
| 1.2
819 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,280 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
Home Warranty Inc
| 1.0
19 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Frontdoor
| 1.0
27 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
American Home Protect
| 1.0
137 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
A.B. May Home Warranty
| 1.0
View profile
| Services Kansas City in Kansas and Missouri. In 2023, performed over 50,000 repairs. Offers 24/7 emergency response and wears shoe covers. Provides coverage for rental properties. 24/7 emergency response time. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
AHW Home Warranty
| 1.0
385 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
