Home Warranty Companies in Kansas
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Kansas. AFC Home Club ranks first among them at 8.2 out of 10. The statewide average temperature is 33.0 degrees F in winter and 76.8 degrees F in summer.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Kansas Insurance Department and Attorney General
No registration program found
Kansas State Snapshot
Housing units
1,300,712
Owner-occupied rate
66.9% (US 65%)
Median home value
$203,400
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Kansas Insurance Department and Attorney General
66.9% of Kansas homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $203,400, 33% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Kansas. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Kansas's largest city, Wichita, 58.9% of homes are owner-occupied and the median owner-occupied home is worth $190,800.
Source: Census Bureau QuickFacts for Wichita, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Kansas's climate puts both heating and cooling under strain, in our reading
The statewide average temperature is 33.0 degrees F in winter and 76.8 degrees F in summer. Annual precipitation ranges from more than 45 inches in the southeast to less than 20 inches in the west, and most of it falls in the warm season. Kansas has warmed by about 1.5 degrees F since the early 1900s, more in winter and spring than in summer and fall. The summary projects that higher temperatures may increase the intensity of future droughts.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Kansas (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Kansas estimate. 11 of 15 tracked companies serve Kansas in our data; "Likely" and "Check" rows are not verified for Kansas.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | KS |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Kansas
Highest overall score among companies that serve Kansas, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Kansas
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Kansas. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Kansas Regulates Home Warranties
Regulator
Kansas Insurance Department and Attorney General
Legal framework
Service contracts exempt from insurance regulation (K.S.A. 40-201a)
Kansas statute K.S.A. 40-201a says that marketing, selling, issuing and administering a service contract is not the business of insurance and is exempt from insurance regulation under Chapter 40. It defines a service contract as an agreement, sold for separate consideration and a set term, to service, repair, replace or maintain structural components, appliances, utility systems or other property. The exemption does not cover coverage that belongs in a property or liability insurance contract. We found no registration program, so general consumer protection and fraud laws, enforced by the Attorney General, are the main protection.
Type of rules: Not insurance, no registration program found. Home service contracts are outside the insurance code and we found no registration program, so consumer protection law is the main recourse.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- K.S.A. 40-201a: service contract, definitions, exemption from regulation (Kansas Revisor of Statutes)
- Kansas Attorney General: consumer investigation request
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Kansas Homeowners
Expect consumer protection law to be your main protection
We found no registration program in Kansas, so read the contract closely, keep every claim communication in writing and know that complaints may go to the Attorney General's consumer protection office.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Kansas. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Kansas
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Kansas's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Kansas Attorney General: consumer investigation request
The Consumer Protection Division takes complaints on its consumer investigation request form. If you and the business are in Sedgwick, Wyandotte or Johnson County, the form says you may wish to file with your local district attorney instead.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Kansas
Which home warranty companies serve Kansas?
What is the best home warranty company in Kansas?
Which home warranty plan has the highest HVAC coverage in Kansas?
How much does a home warranty cost in Kansas?
How does Kansas's climate affect which plan to buy?
Where do I file a home warranty complaint in Kansas?
How are home warranties regulated in Kansas?
Neighboring States
Compare All Kansas-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Kansas, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.