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Audited & Verified: Jul 28, 2025, 5:18pm
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| Staff EditorChoosing a home warranty company in Kansas means you’ll want to consider company reviews, plan premiums and service fees and what the provider’s policies cover. For example, while HVAC coverage is always important, it’s super important in Kansas, where winter temperatures can drop to 25 degrees Fahrenheit.
To help inform our home warranty rankings, our team reviewed 19 companies and 58 plans. Our secret shoppers also got 106 real quotes and read through the fine print of home warranty provider service agreements to suss out the best options for you in the Sunflower State.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
To help you find the best home warranty companies for you in Kansas, our editorial team scored several providers against numerous data points like monthly costs, plan specs, customer ratings and more.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | HVAC/AC COVERAGE | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | Yes | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
As a home warranty provider, 2-10 Home Buyers Warranty is one to look out for in Kansas, especially in recent years and offers comprehensive coverage for Kansas residents. This company aids builders, sellers and buyers alike at as low as $32 monthly for the most basic plan. Whether you’re looking for plans specific to kitchen appliance coverage or a broader home warranty plan, 2-10 is an excellent choice to consider.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty caught our attention thanks to its user-adjustable fee system. You can shape your monthly premium by modifying your service fee level, which could be ideal for homeowners wanting more cost governance. Another standout is the company’s seller-friendly support, offering protections for homes during the sales process and beyond.
Why We Like It
What sets this company apart is its diverse plan flexibility. If you want one type of coverage over another, there’s a specific plan for that. If you’re seeking a lot of customization, 2-10’s top plan includes extras such as alarm and filter protection.
What We Don’t Like
This home warranty provider will allow customers in Kansas to pick their own contractors, but they’ll need prior approval. 2-10’s cancellation policy can also be a bit inflexible—it starts at $25 for the first month but increases to 10% of your plan cost after a month.
Who It’s Best For
2-10 Home Buyers Warranty is a smart pick for Kansas homeowners seeking as much cost control and coverage flexibility as possible. It’s especially well-suited for those who want a more flexible monthly premium and service fee scale and value contractor choice.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
While some customers report positive experiences, 2-10 Home Buyers Warranty has its fair share of complaints. Common complaints include delayed response times, denied claims because of preexisting conditions and misleading coverage limitations. Customers have also voiced concerns about unprofessional contractors and high service fees for subpar repairs. Though a minority of users are satisfied, the overall customer sentiment leans negative based on publicly available reviews.
We surveyed 1,800 consumers to get their insights on home warranty companies and plans. Overall, customers felt positive about 2-10 Home Warranty. Of the company’s customers surveyed, 86% said they would recommend 2-10 Home Warranty to a friend or family member. Similarly, 88% gave the value of the company’s service high marks.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Known as HWA, Home Warranty of America has been serving homeowners since 1996. The company delivers reliable coverage through two plan types that keep things simple. Monthly costs start around $47, with adjustable service fees ranging from $75 to $100. HWA is a good fit for those who want a streamlined warranty without a dozen confusing add-ons.
Learn more: Home Warranty of America review
We appreciate that this provider has coverage for more unique home items including water softeners and situations like code violations. Both of its plans also cover home systems and appliances, and don’t have age limitations on the items they cover.
Why We Like It
Home Warranty of America has many policies that seem aimed at making customers happy. For instance, the company aims for a 48-hour response time for all service orders. The provider also has plans within its add-ons like OrangePlus that cover unique items like code violations and re-keying.
What We Don’t Like
You won’t find full system protection in the base plan, which feels like a miss for those expecting full coverage upfront. And while the simplicity of two plans can be a plus, it also means less flexibility for homeowners who have more specific needs or older systems that require special attention.
Who It’s Best For
This company is a choice worth considering for homeowners who want plans that cover both systems and appliances and have the option to deepen coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Overall, we saw mixed reviews for HWA, with frequently mentioned issues being unexpected expenses and long wait times for help. In contrast, more positive reviews mentioned suitable and qualified contractors.
We surveyed 1,800 home warranty policyholders and found fairly mixed to positive reviews for Home Warranty of America. 81% of HWA customers in our survey said they were happy with the company’s value for the money they paid. The same percentage said that signing up with the company was simple.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Liberty Home Guard, established in 2017, stands out for its budget-friendly plan structure. You’ll find home system-only options and a sliding service fee range that lets you manage out-of-pocket expenses. It’s a good fit for homeowners who want flexibility in how their coverage works.
Learn more: Liberty Home Guard review
We included Liberty Home Guard because it gives homeowners a level of control you don’t always see. From choosing your own technician to covering properties like rentals, Liberty makes it easier to personalize your coverage to your living situation.
Why We Like It
What makes Liberty stand out is the variety of its add-on list. You can cover everything from saltwater pools to light fixtures. It’s one of the few companies where niche extras are even on the table. On top of that, Liberty’s customer service is accessible through multiple contact methods.
What We Don’t Like
The cancellation fee is locked in at $50, and it’s not waived if you change your mind early. That might not seem like much, but it’s a meaningful fee if you’re still testing the service. Also, that $2,000 limit on each item means partial payouts, so you’ll want to be clear on where that cap might leave you short.
Who It’s Best For
Liberty is ideal for homeowners who want more say in how coverage works. Whether you’re interested in appliances only, you can pick a plan that lines up with your budget. It’s also a solid choice for owners of mobile homes.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
From our findings, Liberty Home Guard has generally mixed reviews from customers. On the more positive side of things, customers seemed to note helpful and kind customer service personnel and timely assistance. When it comes to issues, customers seemed to mention denied claims and delayed assitance.
Survey respondents gave Liberty Home Guard strong reviews. With 84% reporting positive service experiences and 85% saying they would renew, Liberty seems to offer a level of consistency that builds trust. For a company just eight years in, that’s a good sign.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
American Home Shield has a long tenure in the home warranty industry—over 50 years, making it one of the most experienced providers available. Customers can opt for three distinct plans: ShieldSilver (from $29.99) for system-only coverage, ShieldGold (starting at $49.99), which expands coverage to appliances, and ShieldPlatinum (starting at $79.99), which increases coverage limits to $4,000 and includes additional benefits.
Learn more: American Home Shield review
American Home Shield lets homeowners select from a variety of choices, including the flexibility to choose between monthly or annual home warranty plans. The company stands out for its simplified system-specific offering, along with bundled packages that deliver broader home coverage. Its ShieldSilver plan is one of the most competitively priced entry-level options on the market.
Why We Like It
AHS offers additional perks that are fairly rare, like options for residents of mobile homes, manufactured homes or condos. We also appreciate the provider’s dedication to coverage for preexisting conditions or even code violations. The company offers a response to Kansas claims within 24 to 48 hours and the company boasts a video diagnosis approach for a quicker solution. Bonus: Even its lowest-tier plan offers protections for your HVAC system, which can be more helpful in Kansas’s frigid winters.
What We Don’t Like
Selecting your own technician is allowed with AHS, but the approval process for coverage can be complicated. If you cancel after 30 days, you may also need to pay an administrative fee of up to one month’s payment.
Who It’s Best For
American Home Shield is a good choice for those who may have home types like condos or manufactured homes and those who want the option of high coverage caps on appliances.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer sentiment toward American Home Shield varied widely. Some users described swift repairs and competent service quality. Others noted price hikes and raised concerns over contractor experience levels. AHS remains a case-by-case option depending on your location and service expectations.
We surveyed 1,800 home warranty clients to gain feedback into their experience with companies like American Home Shield. Respondents highly recommended the provider, with 83% saying they would recommend AHS to their network if given the opportunity. Over 80% said the company’s documentation was easy to read and understand.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
This provider shines in Kansas for its thoughtful plan structure, particularly for homeowners who want the kitchen to hold the center of attention. With three streamlined plans, including the specialized Kitchen Plus Plan. ARW serves both basic and all-in-one coverage needs. No matter if you’re in an older home or just want customizable add-ons, ARW offers solid protection at an accessible price.
Learn more: ARW Home review
ARW Home is our pick for Kansas homeowners who want simple plan structures with focused coverage. It provides three clear-cut plans, each designed to support different household priorities. We like that ARW includes HVAC in its middle option, making it well-suited for homes facing seasonal HVAC demands.
Why We Like It
ARW Home provides a much higher annual limit of $5,000 versus the $2,500 limit which is the industry standard. You can also find a variety of discounts and deals going on throughout the year like one or two months free with a 12-month warranty plan. All three plan tiers offer a specialized function, like Kitchen Plus, ARW’s most basic plan, which focuses on kitchen appliances.
What We Don’t Like
There’s a $45 cancellation fee, and some customers report needing to cancel by mail, a process that feels outdated. If you value easy account management, you may want to confirm the policy details ahead of time.
Who It’s Best For
ARW Home is a versatile choice for Kansas homeowners who want kitchen-centric plans with add-on flexibility. It could be especially worthwhile for owners of older homes and those who prefer user-driven customization.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer reviews for ARW Home are overall mixed. Although some customers praised the company’s quick turnaround time on claims and positive experiences with customer service representatives, others took issue with their customer service experience. Other complaints included trouble canceling policies and disputes with claims coverage.
In a survey of 1,800 home warranty customers, we found that ARW Home received high marks for satisfaction. In our survey, 93% of ARW customers said they’d recommend the service to friends or family, while 92% said they felt the plan provided solid value for the price.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Find the top ranked home warranty company in your area
Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
In our recent National Provider Survey of 1,800 existing home warranty policyholders, 80% of Midwest residents reported spending between $801 and $900 per year on their home warranty premium, costing roughly $70 per month.
After reviewing more survey results, we found that the average home warranty costs ranged between $27 and $100, or $57 on average. To get a more accurate estimate, it’s important to also factor in service fees (which range from $65 to $150). You’ll pay these fees each time you contact a contractor to help with a repair. Considering that fixing a furnace could set you back between $300 and $1,200, you may spend more than you would imagine, which is why having a home warranty is often a smart decision.
Your specific home warranty cost will hinge on various aspects, like which provider and plan you choose within Kansas, any add-ons to your policy and more. You may want to frontline HVAC coverage. Though HVAC-inclusive plans may be pricier than those without, you don’t want to take a chance on your HVAC system shutting down during the dead of winter.
| KANSAS HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost
| $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
A home warranty can be worth it in Kansas, but whether it makes sense for you depends on a few key factors. If you own a newer home where several appliances and systems are still protected under builders’ or manufacturers’ warranties—or if you’re particularly handy and comfortable handling your own home issues—a home warranty may feel redundant. But if your home is older and the original warranties have expired, considering a home warranty could be a smart move—especially when it comes to sudden repairs.
Home warranties also provide peace of mind when HVAC-related things go wrong. If your heater dies in the middle of a freezing Kansas winter, your provider can quickly send a vetted technician to handle the repair. As long as the issue is included in your policy all you’ll owe is the service fee—no surprise bills.
Choosing a home warranty plan is a decision unique to you, your home and the systems and appliances you’d most like to cover. However, every homeowner can keep some factors in mind to make the best home warranty plan decision possible, and there are a few factors Kansas homeowners should especially consider.
HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans and it’s easy to see why. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases. After all, the last thing you want is your HVAC system going out during a cold snap. That can cause burst pipes and dangerously cold temperatures in your home.
We recommend looking into home warranties that cover your HVAC system for greater peace of mind, no matter where you call home but especially in Kansas.
To choose the right home warranty plan, start by assessing your home’s current systems and appliances. Identify which ones are newer—some may still be covered by a manufacturer’s warranty—and which are aging and more likely to need repairs or replacement soon. You’ll also want to reflect on which items could be especially costly to fix. Major systems like plumbing and electrical, or large appliances, often fall into this category due to how involved repairs can be.
Once you’ve built out a solid understanding of what’s most at risk or most expensive to replace, compare it with what home warranty companies cover. Look for plans that align with both your budget and your specific needs. Taking this more thoughtful, customized approach can help ensure you select a plan that’s actually worth the investment—one that protects what matters most in your home.
Most home warranty companies will have sample contracts for you to read on their websites. It’s a smart idea to read through these to get a sense of the company’s policies, such as cancellation fees, contract renewal terms, coverage exclusions and limits. For example, a company may cover roof leaks, but only those caused by normal wear and tear and only up to $5,000 in damages. It’s good to know about these early before committing to a company so you can reach out with questions before signing on the dotted line.
Coverage exclusions and limits are particularly important in Kansas, as extreme weather can add wear and tear to home appliances and systems. Keep a close eye on these sample contracts for coverage limits on repairs to systems like HVAC, which can be all the more vital in your location.
Per-month costs as well as annual premiums will decide which plans are within your budget. At this point, you can narrow down your list of possible companies and compare plan pricing. We recommend comparing three to five companies’ pricing and plan models to get a better idea of which will best suit you and your home.
Customer reviews are a vital part of determining which home warranty company is best for you in Kansas. We suggest reading through recent reviews (from the past year or so) to get the most accurate picture of things. Other tips include searching for specific keywords you’re particularly interested in (such as “washer repair” or “cancellation fee”) and looking for reviews from other homeowners in Kansas. Referrals can also be helpful here so be sure to ask people you know in your area to see if they have a plan they’d recommend.
No, home warranties are not directly regulated in Kansas. Despite that, you can have peace of mind knowing that home warranty companies are covered by Kansas’s consumer protection policies. Hopefully, you won’t need to utilize this resource, but if you need to call assistance to a problem with a home warranty provider, you can escalate it to Kansas’s consumer protection bureau. We always recommend, however, that you attempt to resolve these discrepancies with the provider first. So, you can have peace of mind knowing that home warranty companies still fall within the scope of Kansas’s consumer protection laws.
Ideally, you won’t need to rely on this resource, but if you ever need to flag a concern with a home warranty company, you can escalate it to Kansas’s consumer protection bureau. Still, we always encourage homeowners to first attempt to resolve any issues directly with the company before taking further steps.
Although home warranties aren’t explicitly regulated in Kansas, you can still take steps to protect your investment in a home warranty plan by noting any issues and staying up to date about your home warranty company. Here are a few tips we recommend:
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Overall, home warranties cover systems and appliances. However, how many systems, appliances or both a company covers is dependent upon the provider itself and the plan you choose within that provider’s offerings. Many home warranty companies offer at minimum two tiers of coverage, and most also cover both systems and appliances in a more comprehensive plan.
Typically, a home warranty provider will protect common maintenance tasks for appliances and systems like HVAC, kitchen, plumbing, electrical and more.
Before you get too comfortable with your home warranty coverage, it’s crucial to understand not just what it covers, but what it doesn’t. Even if a system or appliance is included in your plan, that doesn’t automatically mean every replacement will be fully paid for.
A major factor affecting coverage is the cause of the problem. Home warranties are made to aid in situations of normal maintenance—not when damage is caused by out-of-the-norm events or human error. So if a tree falls on your roof, your home warranty company may not step in. Those scenarios are typically handled by homeowner’s insurance.
Then there are coverage caps to consider. Let’s say your water heater suddenly breaks—even if the issue is eligible for coverage, your provider may only reimburse a portion of the cost. These limits vary by plan and can significantly impact what you’ll pay out of pocket. That’s why it’s essential to reach out to your home warranty company if you’re unsure about specific coverage details. The fine print matters, and getting clarity up front can help you avoid unexpected costs down the line.
To better understand current home warranty trends in Kansas and across the U.S., we surveyed 1,800 homeowners who have been a home warranty customer within the last 12 months. Homeowners in the Midwest shared their experiences with coverage, how they use their plans and their opinions on home warranties as a whole—including feedback on the companies they chose.
Best Home Warranty Companies By State
If you’re on the search for a home warranty company in other states, look no further than the list below.
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Home warranty plans typically don’t cover mold problems. One way you can help prevent any mold issues, though, is to make sure your chosen home warranty policy offers good HVAC coverage. A well-maintained HVAC system means lower risk of mold growth.
Whether or not a home warranty will cover preexisting conditions will vary by plan and by company. If you’re aware of ongoing problems with items you plan to cover with your home warranty plan, we recommend speaking with any home warranty company you’re considering in Kansas. They can give you more specific info, including monetary coverage limits and note which issues aren’t covered.
Home warranties aren’t required in Kansas or anywhere, so you don’t technically need a home warranty plan. That said, if your home and its systems and appliances are on the older side and you’re worried about hefty home repair costs on the horizon, a home warranty plan might be a good idea.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
