No one wants to spend hours on the phone trying to find a local contractor when one of their home’s systems or appliances malfunctions. Home warranties give homeowners convenient access to a wide network of local and licensed contractors specializing in home repairs for essential kitchen appliances, HVAC units, and more.
Our review team has conducted in-depth research on more than 35 home warranty providers, including comparing sample contracts, combing through customer reviews, and requesting quotes. We’ve narrowed it down to the five best home warranty companies to help you streamline your decision-making process.
Indiana’s Top 5 Home Warranty Companies
The following companies are the five best home warranty companies in Indiana:
- American Home Shield
- Choice Home Warranty
- Liberty Home Guard
- AFC Home Club
- First American Home Warranty
Note: All pricing information used in this article is based on a quote for a single-family home in Zionsville, Indiana (a suburb of Indianapolis).
American Home Shield
Fast Facts:
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
American Home Shield (AHS) offers three comprehensive coverage options for Indiana homeowners. ShieldShield covers your home’s major built-in systems, including your air conditioning and plumbing systems. ShieldGold covers all the items in the ShieldSilver plan plus 10 essential appliances, such as your cooktop, clothes washer and dryer. ShieldPlatinum applies to all the covered items in the ShieldGold plan plus a discounted HVAC tune-up, roof-leak protection, and other benefits.
ShieldSilver ($34.99 to $49.99 per month): This plan covers major systems, including your air conditioners, attic fans, built-in exhaust, ceiling fans, chimes, doorbells, ductwork, faucets, garage door openers, heating units, interior electrical lines, interior plumbing lines, main breaker/fuse panel box, toilets, valves, vent fans, water heaters, and whirlpool tub components.
ShieldGold ($44.99 to $59.99 per month): This plan covers all the items in the ShieldSilver plan plus appliances, such as your built-in microwave, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, instant hot/cold water dispensers, oven, range, and refrigerator. Appliances are covered up to $3,000 per item.
ShieldPlatinum ($64.99 to $79.99 per month): This plan covers all the items in the ShieldGold plan plus a few additional benefits, such as roof-leak protection up to $1,500, code upgrades, a discounted HVAC tune-up, and unlimited AC refrigerant. This plan covers up to $6,000 per appliance.
Choice Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
Choice Home Warranty offers comprehensive coverage up to $3,000 per item for a combination of built-in systems and appliances. Homeowners can choose from two plan options: the Basic Plan and the Total Plan. The Basic Plan covers a suite of home systems and major appliances, including your heating system, water heater, and garbage disposal. The Basic Plan does not cover your air conditioning, laundry machines, or refrigerator, but the Total Plan does cover all those items.
Choice Home Warranty is currently involved in a class-action lawsuit in Arizona. The lawsuit alleges that the company frequently denied claims and didn’t uphold its contractual obligations. We dug into these allegations, and the company informed us that while it’s unable to comment on pending legal matters, more than 90% of 1.1 million claims filed in 2021 as of October had been approved. Nevertheless, to avoid denied claims, we recommend that all homeowners carefully review the sample contract to confirm they understand the exclusions of their protection plan.
Basic Plan ($46.83 per month): This plan covers appliances and built-in systems, including built-in microwave, ceiling fans, cooktop, dishwasher, ductwork, electrical system, exhaust fans, garage door opener, heating system, oven, plumbing stoppages, plumbing system, range, stove, water heater, and whirlpool bathtub.
Total Plan ($54.75 per month): This plan covers all the items in the Basic Plan with the addition of your air conditioning system, clothes washer, clothes dryer, and refrigerator.
Liberty Home Guard
Fast Facts:
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans
Liberty Home Guard’s home warranty plan options are standard for the industry. As the names suggest, Appliance Guard covers appliances, while Systems Guard covers built-in systems. Total Home Guard combines the coverage of the two earlier plans into one comprehensive package. According to the service contract, each covered item has a coverage limit of $2,000.
Appliance Guard ($69.99 per month): This plan covers appliances, including your built-in microwave oven, ceiling fans, clothes dryer, clothes washer, cooktop, dishwasher, exhaust fans, garage door openers, garbage disposal, oven, range, and refrigerator.
Systems Guard ($74.99 per month): This plan covers major home systems, including your air conditioning, ductwork, electrical, heating, plumbing, and water heaters.
Total Home Guard ($79.99 per month): This plan covers all the items in the two earlier plans.
You can choose from more than 35 additional coverage items, including pro-series appliances, typically excluded from many appliance plans.
AFC Home Club
Fast Facts:
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
America’s 1st Choice Home Club (AFC Home Club) offers four plan options and the longest workmanship guarantee of any provider on this list. You can choose a single-year plan or a three-year plan. In either case, any home repairs completed by an AFC Home Club service provider can be reserviced without paying another service call fee. According to the service contract, appliances can be covered up to $2,000, while its coverage limits for systems vary depending on the item.
You can compare AFC Home Club’s home warranty plans below:
Silver Plan ($35 to $40 per month): This plan covers your clothes dryer, clothes washer, cooktop, dishwasher, garage door opener, garbage disposal, kitchen refrigerator, oven, range, and stove.
Systems Plan ($42.50 to $47.50 per month): This plan covers air conditioners, electrical, heating, plumbing systems, and water heaters.
Gold Plan ($50 to $55 per month): This plan combines the Systems and Silver plans into one comprehensive package.
Platinum Plan ($55 to $60 per month): This plan includes all the covered items in the Gold Plan plus built-in microwaves, built-in fans, faucets, and ice makers.
First American Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
If you own an older home without a built-in air conditioning system, you may not want home warranty coverage that includes it. First American Home Warranty gives homeowners the flexibility to choose a plan that covers appliances or a combination of your home essentials without bundling items you may not care about as much.
You can compare First American’s home warranty plans below:
Basic Plan ($38 per month): This plan covers your clothes washer, clothes dryer, cooktop, garbage disposal, dishwasher, oven range, cooktop, microwave, trash compactor, refrigerator, clothes washer and dryer.
Premier Plan ($48.50 per month): This plan covers all the items in the Basic Plan plus your central vacuum system, ductwork, electrical, garage door opener, heating plumbing, plumbing stoppages, and water heater.
Our Recommendation
Peace of mind can be hard to come by as a homeowner dealing with home-maintenance issues, but a home warranty can help you prepare for unexpected home repairs. We recommend requesting a free quote from your top three provider options to compare their sample agreements and review their coverage options as they apply to your home.
We recommend American Home Shield for homeowners who want the reliability of a company with decades of experience and comprehensive policies that cover more items than its competitors. AHS also covers items that have been damaged due to rust and corrosion as well as unknown preexisting conditions. In addition, its flexible service call fee model allows you to customize your monthly fee.
Choice Home Warranty is ideal for customers who prefer the convenience of combination coverage and a generous coverage cap of $3,000 per item. AFC Home Club’s flexible service call fee model and plan-length workmanship guarantee make it an excellent option for homeowners who don’t want to worry about staying within the typical 30-day window.
Liberty Home Guard’s standard base policies make it easy to decide the best plan for your needs and then customize it with more than 35 add-on options. Finally, First American Home Warranty is a worthwhile consideration for homeowners who may want to avoid covering items that may not be as likely to break down, such as an air conditioning unit within its manufacturer’s warranty.
FAQs: Indiana Home Warranty Companies
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on analysis of customer reviews and interviews with industry experts.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. We determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.