What to Know About Buying a Home Warranty in Kansas
Searching for a home warranty company to cover your Kansas home? Depending on your particular coverage needs and budget, some home warranties may be a better match for you than others.
Whether you are in Wichita, Topeka or Lawrence, the best warranty companies will be able to share a sample home warranty coverage plan with you before you purchase. This sample plan will list the covered items, any coverage limitations and, most importantly, any exclusions in the policy. For example, if you have a septic tank, make sure you can add it for an additional fee.
Here we outline the variability of service fees, along with other important criteria needed to select the best home warranty plan for your family's home.
What can, or should, you have covered by your Kansas home warranty?
Kansas home warranty policies cover your primary home appliances and systems. The home warranty coverage you need greatly depends on your coverage needs and how much your budget allows. A majority of warranty plans in Kansas start with a basic plan, but the most popular coverage is often a combination of a home appliance plan and a systems plan.
For instance, the Complete Home protection plan offered by Cinch Home Services provides home warranty coverage for the following items:
- Food centers (built-in)
- Whirlpool/jetted tubs (built-in)
- Instant hot/cold water dispensers
- Plumbing system
- Smoke detectors
- Sump pumps
- Freestanding ice makers
- Microwaves (built-in)
- Clothes dryers
- Clothes washers
- Air conditioning (including ductwork)
- Attic fans
- Ceiling fans
- Central vacuums
- Range exhaust hoods
- Trash compactors (built-in)
- Wall ovens
- Electrical system
- Garage door openers
- Garbage disposals
- Heating system (including ductwork)
- Water heaters
Optional home warranty coverage is available for:
- Pool with spa (heater included)
- Septic tanks
- Well pumps
- Pool (heater included)
- Spa (heater included)
How much on average does a home warranty cost in Kansas and why?
Kansas home warranty plans cost between $420 and $745 a year. Home warranties that include a systems plan expand your coverage to include heating and cooling, and therefore cost more than basic plans. Most companies will allow you to pay for your home protection plan by the month or on an annual basis.
Additional coverage is quoted separately by the warranty company and can be added to any home warranty plan.
Deductibles, also known as service fees, range from $100 to $150. You only pay for a deductible at the time of a repair request. The lower the service fee, the higher the overall cost for the plan. If you will use the warranty less than three times a year, a policy with a high service fee will have the lowest annual cost.
What property types can you cover with a Kansas home warranty?
A Kansas home warranty can be added to most real estate properties. For single family homes and multifamily homes, your warranty company can help protect you from unforeseen costs that result from the everyday wear and tear to any covered home appliance or home system.
How can you determine the best home warranty provider for your needs?
To determine the best home warranty provider for your family, start by first understanding your homeowners insurance policy and, if you have a new home and if applicable, your structural warranty. A homeowners insurance policy differs from a home warranty plan in that it usually covers your home and its contents in the case of fire, theft or extreme weather. A home warranty plan supplements this coverage by protecting you against normal everyday use to a major appliance or home system.
A structural warranty is only marketed to home builders to protect them against claims on a newly constructed home. Structural warranties generally cover a home for 10 years and can be transferred to new owners during that time period.
The best home warranty provider for you will be able to match a plan to your specific coverage needs and budget. Your warranty company should be able to explain the details of the warranty service contract to help you better understand your warranty coverage.
Why are there different types of home warranty plans available in Kansas?
The coverage offered with a home warranty plan, from basic to major systems, varies with the provider. As a homeowner, you can review top providers to understand which warranty plan is best for you. If you are currently shopping for a new home, a real estate professional may also be a good resource.
Your home warranty company should be able to easily explain your coverage options. If it cannot, it may be time to move on to another provider. Learn more about the home protection plans offered by Cinch.