If you live in Indiana and want extra protection for your home systems and appliances, consider investing in a home warranty. This type of home protection plan will cover expensive repair and replacement costs on items that fail or break down over time.
Because there are multiple home warranty companies to choose from, determining which one is right for you can be challenging. To help you out, the This Old House Reviews Team has reviewed a variety of home warranty providers in Indiana, collecting data on service plans, pricing, customer service ratings and reviews, claims submissions, and more to help you find the best home warranty.
Indiana’s Top 5 Home Warranty Companies
The highest-rated home warranty companies in Indiana include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- Priority Home Warranty: Best for Choosing Your Own Contractor
Keep reading for the top home warranty companies in the state and tips to help you choose a protection plan that’s right for you.
American Home Shield
American Home Shield is one of the most well-known home warranty companies in the industry. It’s been in business since 1971 and is a veteran compared to other providers. American Home Shield is our top recommendation due to their wide range of comprehensive coverage plans, competitive pricing, and positive reputation for customer service.
Pros & Cons
✔ Offers extended coverage for electronics and guest houses
✔ Has flexible service fees ($75, $100, or $125)
✔ Has three plan options to choose from
✘ Prices can be slightly higher than many competitors
✘ Repairs guaranteed for only 30 days
Plans & Pricing
American Home Shield has three plans and a handful of add-ons available to homeowners. The ShieldSilver™ plan covers 14 major systems, such as your electrical and plumbing systems. The ShieldGold™ plan covers all of the ShieldSilver plan and adds coverage for nine appliances in your kitchen and laundry room. The ShieldPlatinum™ plan enhances the ShieldGold’s coverage by including roof leak coverage, a free HVAC tune-up, and higher coverage limits.
Costs for each AHS plan will depend on where you live, the plan you choose, and how many add-ons you include in your coverage. Here are the average plan costs:
- ShieldSilver: $39.99 per month
- ShieldGold: $49.99 per month
- ShieldPlatinum: $64.99 per month
Additionally, you’ll pay a trade service call fee whenever you submit a claim. AHS allows customers to choose between a $75, $100, and $125 service fee. A higher service call fee will result in a lower monthly premium, and vice versa.
Learn more: American Home Shield Review
Choice Home Warranty
Since 2008, Choice Home Warranty has focused on customer satisfaction, and it operates a claims center that’s open 24 hours a day, seven days a week. This accessibility has made Choice a popular home warranty pick among homeowners.
Pros & Cons
✔ 90-day repair guarantee
✔ Covers systems and appliances regardless of age
✔ Home inspections aren’t required for coverage
✘ Doesn’t allow you to choose a technician
✘ Provides only two plans
Plans & Pricing
The company offers two packages: the Basic Plan and the Total Plan. Each plan covers both systems and appliances, but the Total Plan includes additional protection for a refrigerator, ice maker, air conditioning, clothes dryer, and clothes washer.
Choice also offers the following add-on options: Pool, spa, central vacuum, second refrigerator, well pump, limited roof leak, stand alone freezer, sump pump, septic system, septic tank pumping
Choice Home Warranty’s plans also tend to be more affordable than those of many other major players in the industry. Here is a price breakdown of the plans:
- Basic Plan: $36.17 per month
- Total Plan: $43.85 per month
Customers can also expect to pay a $60–$85 service fee each time a technician is sent out to address an issue.
Learn more: Choice Home Warranty Review
Liberty Home Guard
Liberty Home Guard is an excellent choice for Indiana homeowners. If you’re looking for a quick claims response time and easy-to-reach customer service, Liberty Home Guard offers both.
Pros & Cons
✔ 60-day workmanship guarantee
✔ 30 add-on coverage options for items like pool and spa, pest control, and carpet cleaning
✔ Live-chat feature on company’s website
✘ Basic plans aren’t combo plans
✘ $80 service fees are slightly higher than the industry average of $75
Plans & Pricing
Liberty Home Guard offers three plan types for appliances, built-in systems, and a combination of both. The company offers a fixed service call fee structure that’s slightly higher than average at $80. Liberty’s plans range from $40 to $60 in monthly fees.
Pricing can vary depending on the size of your home, the location of your home, and the add-on coverage items you elect, but our team received the below quote for a single-family home smaller than 5,000 square feet in Raleigh, North Carolina:
- Appliance Guard: $39.99 per month
- System Guard: $49.99 per month
- Total Home Guard: $59.99 per month
Note: The above prices are advertised as sale prices, but the Reviews Team has consistently received this offer on all requested quotes. Discounts may be available for multi-year plans.
Learn more: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty earns the designation for “Best Value” because all of their plans are under $50 in monthly fees and include free roof-leak coverage. Budget-conscious homeowners can enjoy the many benefits of a home warranty policy without an intimidating price tag.
Pros & Cons
✔ Free roof-leak coverage on all plans
✔ All plans are less than $50 a month
✔ 90-day workmanship guarantee
✘ Low coverage caps
✘ 30-day waiting period
Plans & Pricing
Select Home Warranty offers three plans. The Bronze Care package covers appliances, while the Gold Care package will exclusively cover your home’s major systems. The Platinum Care package is ideal for homeowners who want a combination coverage package.
The average prices for Select Home Warranty policies are as follows:
- Bronze Care: $41 per month
- Gold Care: $41 per month
- Platinum Care: $47 per month
In addition to low monthly fees, all of the above packages come complete with free roof-leak coverage, an estimated $99 value.
Learn more: Select Home Warranty Review
Priority Home Warranty
Though Priority Home Warranty is a younger home warranty company and currently serves 22 states, it is a worthy recommendation for Indiana homeowners who work closely with a contractor they trust, want lower-than-average service fees, and like the peace of mind of a plan-length workmanship guarantee. Though the company does not have emergency services, customer service is available 24/7 and most claims are responded to within 48 hours.
Pros & Cons
✔ Company will reimburse customers who work with their own contractors for approved claims
✔ Service call fee is $5 lower than the industry average of $70
✔ Live claims tracking
✘ No emergency services available
✘ Not BBB accredited
Plans & Pricing
Like many of the earlier companies on this list, Priority Home Warranty also offers three standard plan options: an appliance-exclusive plan, a systems-exclusive plan, and a comprehensive combination package. The company charges a standard $70 service call fee per claim.
- Systems Home Care: $33 per month
- Appliance Home Care: $33 per month
- Total Home Care: $47 per month
The above quotes were given for a single-family home smaller than 5,000 square feet in Raleigh, North Carolina so we recommend getting your own quote.
Learn more: Priority Home Warranty Review
An Indiana home warranty can provide peace of mind if a home system or appliance unexpectedly fails. The five home warranty companies in this review are some of the best providers in the state and offer comprehensive coverage plans, affordable pricing, and excellent customer service. We recommend getting a quote from all five so you can compare plan costs and choose the company that best fits within your budget.
Tips for Buying a Home Warranty in Indiana
Before buying a home warranty, consider what items you want coverage for, set your budget, and think about factors like customer service, claims processing, and work guarantees. Here are a few tips to help you find the best home warranty:
- Take into account the age of major home items, like air conditioners or your heating system. Some companies, like Choice Home Warranty, will provide coverage on systems and appliances, regardless of age.
- Think about your budget and how much you’re willing to spend every month. Select Home Warranty provides some of the most affordable monthly premiums and deductibles in the industry.
- Consider how many items you actually need protection for. American Home Shield allows you to customize coverage so you’re not paying for items that don’t need protection.
Frequently Asked Questions About Indiana Home Warranties
What does an Indiana home warranty cover?
Typically, a home warranty covers major home systems and appliances, like your air conditioning, water heater, or refrigerator, that break down due to normal wear and tear. A home warranty does not cover damage to your home caused by natural disasters, fire, or theft.
Which Indiana home warranty is the best?
The best home warranty plan will depend on the type of coverage you need and your budget. The plan that provides you with the most coverage at the best value is one worth considering. We recommend any of the companies mentioned above as a solid choice for Indiana home warranty coverage.
Are these home warranty companies trustworthy?
All home warranty companies have some negative reviews from unsatisfied customers. That doesn’t necessarily mean that they aren’t reputable companies. Many issues stem from confusion with language in the sample contract. Take the time to read your sample contract before signing up for a plan to get a better picture of how the company operates, what type of customer service they provide, and what types of coverage exclusions exist.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.