After thoroughly reviewing providers across the state, we recommend American Home Shield and Elite Home Warranty as the best home warranty companies in Kansas. American Home Shield offers comprehensive plans with high coverage limits on important home components. On the other hand, Elite Home Warranty is the only provider on our list that allows customers to choose their coverage from scratch.
A home warranty provides financial coverage if your major systems and appliances break down from normal use, helping your home run smoothly year-round. This can add a layer of protection in addition to your homeowners insurance policy, which covers weather-related damages—a potential concern considering Kansas’s location in the middle of Tornado Alley. Read on for more details on the top home warranty companies in Kansas and available plans.
Key Takeaways
- American Home Shield is our top choice for a Kansas home warranty, a preference reflected in our 2025 survey of 1,000 planholders nationwide, in which 44% of Kansas residents selected the company.
- The average cost of a home warranty in Kansas ranges from $37–$79 per month and $435–$1,011 annually.
- Among Kansas home warranty owners who responded to our survey, heating or furnace systems were the most commonly protected items.
Top Home Warranty Companies in Kansas
Here’s a list of our top-rated home warranty providers in Kansas:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
Below, we’ve compared our top-rated home warranty providers in Kansas based on several important factors, including our ratings, monthly costs, and service call fees, which you owe each time you file a claim. We also looked at Better Business Bureau (BBB) ratings and workmanship guarantee lengths, which cover additional work if an initial repair fails.
| Company | Star Rating | Monthly Plan Cost* | Service Call Fee | BBB Rating* |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B | ||
$44–$82 | $75–$125 | B |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Reviews of Top Providers in Kansas
We ranked and reviewed home warranty companies in Kansas, paying close attention to coverage limits, plan options, and add-ons such as roof leak protection. Read on to learn more about our top picks and see which ones meet your coverage needs and budget.
American Home Shield
Coverage Overview
- Covers unknown, pre-existing issues, which is not offered by many other companies
- Services items without maintenance records
- Extends high coverage limits of up to $5,000 for HVAC systems
Keep in Mind
- Has limited add-on options compared to competitors such as Liberty Home Guard
- Premium coverage is more expensive than some other options on our list
Our Review
American Home Shield (AHS) offers three plan options, including a system-only plan that starts at only $29 per month with up to $5,000 in coverage for essential items such as your HVAC. The company also has two plans that cover both systems and appliances. However, the most comprehensive ShieldPlatinum option costs over $90 per month, which is one of the most expensive options on our list. If you’re looking for combination coverage of both systems and appliances on a budget, we recommend Liberty Home Guard or Elite Home Warranty.
In addition to higher-than-average system coverage limits, AHS offers $2,000 caps on appliances on the ShieldGold plan, and up to $4,000 on the ShieldPlatinum plan. The company also has over 50 years of experience for added peace of mind.
Plan Details and Cost
American Home Shield offers the following plans in Kansas:
- ShieldSilver ($29 per month): This plan covers basic home systems such as your HVAC, plumbing, and electrical.
- ShieldGold ($39 per month): This plan covers major home systems as well as kitchen and laundry appliances.
- ShieldPlatinum ($107 per month): This plan covers everything in the previous two plans, plus roof leak repairs, a free HVAC tune-up, unlimited air conditioner (AC) refrigerant refills, and code violations and permits.
For more details, we recommend reading an entire AHS sample contract before purchasing a policy. You can also choose between $100 or $125 service call fee, which is due each time you need a repair, but keep in mind, your choice will increase or decrease your monthly rate. Based on our quote process, choosing between service fees can increase or decrease your overall monthly rate by about $10 per month.
AHS only offers six add-ons, including the following options that we recommend for Kansas residents:
- Electronics protection plan
- Guest unit
- Roof leak repair
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Includes $3,000 coverage limits for essential home systems and appliances
- Guarantees the company will reach out to technicians within four hours of a claim
- Offers consistently affordable rates throughout Kansas
Keep in Mind
- Only offers two plans, whereas most competitors offer three options
- Charges a $2.50 fee for choosing monthly billing instead of an annual payment
Our Review
Choice Home Warranty has the cheapest rates for comprehensive coverage plans on this list, making it our top choice for budget-conscious buyers in Kansas. The Total Plan costs $67 per month, offering cheaper comprehensive coverage than competitors such as American Home Shield. Choice also guarantees that an agent will start reaching out to technicians for repairs within four hours of customers submitting a claim. Most providers only guarantee this communication within 12–24 hours of a claim, if not longer.
However, Choice only offers two coverage plans, while every other provider on our list offers at least three. This isn’t a dealbreaker but if you want an appliance-only or systems-only plan, you’ll have to look elsewhere. Choice is also currently dealing with a class-action lawsuit filed by the Arizona Attorney General in 2019 regarding claims of denied payouts. Although Choice has plenty of positive reviews on sites such as Google Reviews and Trustpilot, this lawsuit is something to keep in mind.
Plan Details and Cost
Choice Home Warranty offers the following plans in Kansas:
- Basic Plan ($60 per month): This plan covers essential home systems and appliances but excludes refrigerators, air conditioning, washers, and dryers.
- Total Plan ($67 per month): This plan covers everything in the Basic Plan and adds coverage for refrigerators, air conditioning, washers, and dryers.
Choice Home Warranty offers $3,000 coverage limits for most appliances and home systems, but the sample contract lists a few exclusions. For example, most add-ons have $500 limits. Choice offers the following add-ons for Kansas residents:
- Additional spa
- Central vacuum
- Limited roof leak
- Pool and spa
- Second refrigerator
- Septic system
- Septic tank pumping
- Stand alone freezer
Elite Home Warranty
Coverage Overview
- Offers 30 add-on coverage options, more than double some competitors
- Lets customers choose from pre-set plans or choose their own custom coverage from scratch
- Charges affordable rates for comprehensive coverage
Keep in Mind
- Doesn’t offer personalized quotes online
- Includes a $15,000 annual aggregate limit on payouts, which can impact your overall coverage
Our Review
Elite Home Warranty stands out from the rest of the companies on our list because of its completely customizable plans and flat-rate $70 service fee. Unlike most other companies in the industry that offer two service fee options between $75 and $125, Elite charges a flat rate of $70 per technician visit. Elite is also the only provider we reviewed with a fully-customizable plan, so you can handpick which items you want covered. Or, you can choose from three pre-set options, including an appliance-only, a systems-only, and a combination plan.
However, while Elite may include decent individual coverage limits, it also enforces a $15,000 aggregate limit for all covered items per year. So if your refrigerator requires a $2,000 repair, that amount will count towards the item’s individual limit and your plan’s overall aggregate limit. This means that if you have several items malfunction within a one-year term, especially if you need expensive repairs, the company may not cover everything.
Plan Details and Cost
Elite Home Warranty offers the following plans in Kansas:
- Elite Appliances ($45 per month): This plan covers eight essential appliances, including your refrigerator, oven, washer, dryer, and more.
- Elite Systems ($50 per month): This plan covers eight major home systems, including heating systems, air conditioning, plumbing, and electrical.
- Elite Complete ($60 per month): This plan covers all the appliances and home systems in the previous two plans.
For more details about coverage limits, read the Elite Home Warranty sample contract for Kansas residents. For example, appliances such as refrigerators have a $3,000 annual limit, but washers and dryers have a $1,500 limit. Likewise, your HVAC system has a $5,000 limit, but plumbing and electrical have $2,000 caps.
Elite charges a $70 service fee across the board, which is lower than the industry average of $75–$125. The company also offers 30 add-ons, a long list that’s second only to Liberty Home Guard. You can’t buy some of these add-ons with many other providers, including the following:
- Generator
- Guest house
- Hot tub
- Lawn sprinkler system
- Trash compactor
First American Home Warranty
Coverage Overview
- Provides unlimited coverage caps for major home systems
- Offers a combination of appliance and home system coverage on all three plans
- Doesn’t enforce an aggregate coverage limit
Keep in Mind
- No appliance-only or system-only plans available
- Doesn’t offer air conditioning coverage in its lowest-tier plan
Our Review
First American Home Warranty is one of our top picks in Kansas, mainly because of its high coverage limits. First American offers $3,500 appliance limits on its Starter and Essential plans, $7,000 appliance limits on its Premium plan, and unlimited coverage for most major home systems such as your electrical and heating. The company may charge higher rates than some competitors, but in terms of coverage, you get what you pay for.
First American doesn’t offer any plans that only cover appliances or home systems, so you can only pay to cover a mix of both. While this can offer value for Kansas homeowners looking for comprehensive coverage, customers seeking more limited plans may end up paying for protection they don’t need.
Plan Details and Cost
First American Home Warranty offers the following plans in Kansas:
- Starter Plan ($52 per month): This plan covers basic household items such as plumbing systems, heating, electrical, ovens, and dishwashers.
- Essential Plan ($72 per month): This plan covers everything in the Starter Plan, as well as air conditioners, washers, dryers, water heaters, and garage door openers.
- Premium Plan ($92 per month): This plan covers everything in the previous two plans with added extras such as luxury appliances, faucets, and full garage door systems.
For full policy details, read a First American Home Warranty sample contract. You can choose between a $100 or $125 service fee, which resulted in a $5 difference in monthly rates based on our quotes. First American offers 11 add-on options, including the following for Kansas homeowners:
- Central air conditioning
- Limited roof leak
- Septic system
- Water softener
- Well pump
AFC Home Warranty
Coverage Overview
- Allows customers to choose their own technicians, a rare benefit in the industry
- Offers both 1-year and 3-year plan terms
- Features unique add-ons such as electronics coverage
Keep in Mind
- Rates vary more frequently than competitors, based on our sample quote process
- Only covers the depreciated value of items five years or older, which can decrease payouts
Our Review
AFC Home Warranty is one of our top picks for home warranty companies in Kansas because customers can choose their own technicians and benefit from an unlimited workmanship guarantee. These unique perks can add value to your policy by allowing you to use trusted technicians for claims and offering protection against follow-up issues if a repair fails over the length of your plan. Also, AFC Home Warranty offers add-on coverage for electronics, including smartphones, televisions, laptops, smart home devices, speakers, and more, which is an uncommon feature in the industry.
However, AFC Home Warranty’s prices change frequently, based on our experience. We received two different quotes from the company for the same address in Wichita just one day apart. Also, AFC Home Warranty includes low coverage caps for plumbing and electrical systems of $500 per contract term, which is less than other providers on our list. Companies such as First American Home Warranty offer unlimited coverage for those same systems.
Plan Details and Cost
AFC Home Warranty offers the following plans in Kansas:
- Gold Plan ($44 per month): This plan covers 15 essential systems and appliances, including heating, cooling, kitchen and laundry appliances, plumbing, and electrical.
- Platinum Plan ($51 per month): This plan covers everything listed in the Gold Plan plus ceiling fans, exhaust, attic fans, and more.
- Diamond Plan ($82 per month): This plan covers everything under the previous two options and adds smartphones, home electronics, and exterior sewer and water lines.
Read AFC Home Warranty’s sample contract carefully for important terms and conditions, such as coverage limits and exclusions. For example, AFC Home Warranty offers $3,000 limits per appliance, but caps plumbing and electrical at $500 each.
AFC Home Warranty offers two service fee options of $75 or $125, which will create a $7–$8 difference in your monthly rate, based on our quotes. The company also offers eight add-on options for Kansas residents, including unique items such as electronics. Here’s a list of our add-on picks for the state:
- Electronics
- In-ground pool
- Roof leak coverage
- Stand-alone freezer
- Sump pump
Our Experience Filing Claims
Since the claims process is one of the most essential parts of understanding home warranties, our in-house testers signed up for plans to learn more firsthand. For example, our First American Home Warranty tester received a home warranty policy when he bought his home, and has renewed it every year since. He thought the company’s claims process was simple and intuitive. He just logged into his online account, selected the issue and added a description, and submitted his claim.
First American then sent him a text confirmation, and he got a call from an assigned contractor within one hour. He filed a claim on a Friday, and the contractor showed up on the next business day, which was the following Monday. The contractor completed the job in 20 minutes, and our tester only had to pay a service call fee. Our tester said he’s never had a bad experience with First American since he acquired the policy in 2008, highlighting the value of his home warranty plan.
Home Warranty Costs in Kansas
Based on our quotes, the cost of a home warranty in Kansas ranges from $37–$79 per month, with an average plan rate of $58. This is slightly above the national average of $56 per month. Note that these figures do not include additional repair costs or per-use service fees.
Typically, the higher your service call fee, the lower your monthly plan cost and vice versa. This means you can adjust your service fee amount and monthly rate to fit your budget. A home warranty is worth it if you lock in a reasonable monthly rate that works with your budget and use your coverage at least once a year.
| Provider | Average Monthly Cost | Selected Service Fee |
|---|---|---|
| American Home Shield | $29–$107 | $100–$125 |
| Choice Home Warranty | $60–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $52–$92 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Kansas and across the U.S., we gathered over 4,000 quotes from 13 providers, covering all 50 states. We based these quotes on sample addresses for single-family homes, both under and over 5,000 square feet. Data was collected from various cities in Kansas, including urban and rural locations such as Elk Falls, Overland Park, Topeka, and Wichita. We also gathered national pricing quotes for similar-sized homes for comparison. By averaging the costs, we determined the price ranges for Kansas and the U.S. as a whole.
Survey Insights from Kansas Homeowners
Our 2025 survey included 2,000 homeowners nationwide, focusing on their experiences with home warranty companies. In Kansas, protecting older items was a key concern for many homeowners, with 50% prioritizing coverage for older systems and appliances. This aligns with the fact that almost 63% of respondents reported living in pre-owned homes that were 20 years or older. Regarding coverage, 56% of homeowners selected a comprehensive plan, highlighting a preference for whole-home protection. In addition, 50% of respondents cited coverage as the main reason for purchasing their home warranty.
Looking deeper into item coverage, heating or furnace system protection was a priority for 50% of homeowners in our survey. Water heaters were the most common appliance covered, followed by additional appliance protection (31%) and roof leak coverage (25%). However, 31% of respondents opted not to add any additional coverage, which may indicate satisfaction with basic plans or a preference for lower premiums.
Regarding claims, 56% of respondents filed service tickets for appliance repairs or replacements, while nearly 38% needed assistance with system issues. Based on our survey results, 88% of claims were approved. The most common claim resolution was a repair, with 38% of homeowners receiving this outcome. Other resolutions included item replacement (25%) and cash payment (25%), a feature some home warranty companies offer. Despite the variety of resolutions, 88% of homeowners expressed satisfaction with their claim outcomes. As a result, 81% of respondents plan to renew their home warranty contracts, demonstrating satisfaction with the coverage and claims experience.
How We Collected Our Survey Data
In 2025, we conducted a nationwide survey of 2,000 homeowners to better understand their experiences with home warranty plans. The survey explored various aspects of the home warranty process, including why homeowners purchased warranties, coverage satisfaction, and claims and customer service experiences. We also examined factors such as pricing, choices for add-on coverage, and homeowners’ intentions regarding future renewals. These insights provided a comprehensive look at the home warranty experience in Kansas and across the country.
FAQs About Home Warranties in Kansas
How much does a home warranty cost?
Home warranty costs can vary widely, but in the state of Kansas, the top providers charge between $37 and $79 per month, with an average rate of $58.
How do I renew my home warranty plan?
The process may vary depending on your chosen company, but in most cases, you can renew either online or over the phone. For more details, refer to your home warranty contract or speak to a company representative.
What are the best home warranty companies in Kansas?
Our top options for home warranty companies in Kansas include American Home Shield and First American Home Warranty, both of which offer higher-than-average coverage limits. However, multiple home warranty providers operate in the state, and the best option for you will depend on your coverage needs and budget.
How We Evaluated Home Warranty Providers
Our team uses a detailed rating methodology to rank and review home warranty providers in Kansas. We based our rankings on firsthand experience with each company, which included calling representatives, requesting quotes, reading sample contracts, and conducting consumer surveys. We also purchase policies and filed claims ourselves to ensure we’re sharing the most accurate information possible.
Once we obtained our data, we ranked each provider on a 5-point scale using the factors below:
- Coverage: A home warranty policy is only as good as its coverage, which makes this one of the most important factors to consider when choosing a provider. We awarded the most points to companies with more covered items and unique options such as roof leak protection, which is especially useful for keeping your roof in shape over time in Kansas.
- Cost: In addition to your monthly rate, service call fees and additional charges contribute to your overall home warranty cost. We gave higher ratings to providers that offer full coverage plans for less than $60 a month and service fee options of less than $100.
- Trustworthiness: A company’s trustworthiness is a reflection of its overall performance, but it’s also an indication of whether it will honor your contract. To judge a company’s trustworthiness, we considered BBB ratings, workmanship guarantees, customer reviews, current lawsuits, and our personal experiences with each provider.
- Plan transparency: We awarded the most points to companies that offer online pricing and sample contracts with clear terms and conditions.
- Customer support: We gave higher ratings to companies that offer fast response times, 24/7 availability, multiple ways to file claims, and intuitive online portals.
- Flexibility: No home warranty plan is one-size-fits-all, and more options allow for more customization and convenience. We gave the most points to companies that offer at least three plans, various add-on coverage options, and allow customers to choose their own technicians.
