Best 6 Home Warranty Companies in Kansas City, MO

Are Home Warranties Worth It for Kansas City Residents?

Yes, home warranties are beneficial for Kansas City residents. Kansas City can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioning system may malfunction over time from heavy use.

Kansas City winters can be fairly mild, but there are still times when you want to have a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Kansas City can cause damage to your home's roof.

Some home warranty policies include limited roof-leak protection, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use.

If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when picking the best home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before purchasing a plan.

Coverage

Many home warranty companies offer systems-only plans or plans for select appliances. Determine which systems and appliances you use most often before committing to a plan. If you only want to cover certain major systems (like air conditioning) or specific appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Typically, home warranties don't cover preexisting conditions or improper installation. Most policies will only cover damage from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. You can read about your provider's exclusions and limitations within your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

You should also consider a provider's reputation. You can also read real customer reviews on sites such as Google Reviews, Trustpilot, and Best Company. Reviews and ratings can show how providers handle claims and customer service. Check with the Missouri Attorney General's Consumer Protection Section to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's network of service providers. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer a home warranty that lets them choose their technician. You may need to source your own provider if no in-network ones are available in your area.