Best Home Warranty Companies in Kentucky (2024)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$60

Liberty Home Guard (LHG) is new to the home warranty industry with under a decade of experience. LHG offers solid major systems and appliance coverage and a large suite of unique add-on options. LHG extends a 60-day workmanship guarantee, double the industry average of 30 days.

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

LHG offers three plans to homeowners: Appliance Guard, System Guard, and Total Home Guard. Appliance Guard protects nine home appliances, including washers, dryers, garage-door openers, refrigerators, and dishwashers. System Guard covers your air conditioning, heating, ductwork, electrical, plumbing, and water systems. Total Home Guard combines the two plans for comprehensive coverage. Unless otherwise noted in your service contract, all covered items are subject to LHG’s $2,000 coverage cap.

LHG has over 30 add-on options to customize your plan, including the following: central vacuum, ejector pump, grinder pump, instant hot water dispenser, lawn sprinkler system, limited roof leak, pest control, re-key service, swamp cooler, sump pump, and water softener

LHG prices its service call fees between $65 and $125. It determines your service call fee based on your home’s size, type, and location and your plan selections.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
• Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Homeowners can pull quotes for Liberty Home Guard through its customer support line or with its online tool. The LHG tool requires your name, phone number, and email address to begin the process. Next, you’ll enter your home address, home type, and whether it’s smaller than 5,000 square feet. You can then switch between monthly and annual premiums to find the best fit for your budget. 

LHG will send one of its in-network service technicians to repair your appliances. If there are no technicians in your area, the company will let you select your own. 

After reading online reviews, we learned that homeowners appreciated the company’s professionalism and quick claims process. However, some customers stated their claims payouts were less than expected.

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $29–$90

American Home Shield (AHS) provides comprehensive home systems and appliance protection plans. AHS also includes coverage for rust, corrosion, and sediment damage. Most providers exclude coverage for rust or corrosion.

We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan covers home systems only, such as heating, cooling, plumbing, and electrical systems. The ShieldGold plan covers ShieldSilver items plus cooktops, garbage disposals, and more. The coverage caps for ShieldSilver and ShieldGold are $3,000 per covered item. The ShieldPlatinum plan increases coverage caps to $7,000 per covered item and adds roof-leak coverage and an HVAC tune-up.

American Home Shield offers the following list of add-on coverage options: electronic extended warranty, pool and spa, well pump, septic pump, and guest unit under 750 square feet

American Home Shield allows you to select from a $100 and $125 service call fee. The higher the service fee, the lower your monthly premium will be.

Here are details on each of American Home Shield’s plans:

• ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
• ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
• ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
• Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Our team received quotes from American Home Shield over the phone and online. The AHS online tool requires your home address, ZIP code, and email address. We were able to switch between the different plan and service fee options, with pricing updating instantly. 

AHS does not let you use your own contractor for service repairs. You must select a service technician from its in-network options. One of our team members has an AHS plan and filed a claim for a leaking bathroom pipe. When he called in, an AHS representative located a local plumber in an hour and scheduled a next-day service appointment. All repairs were completed successfully, and he was only charged the service call fee. 

After reading AHS customer reviews, he discovered homeowners liked the company’s prompt claims processes. The customer service department received mixed reviews, with some homeowners disappointed that their claims reimbursement was lower than anticipated.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

• Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 

• Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  

• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
• Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

• Provider Review: Select Home Warranty review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$48

Select Home Warranty provides budget-friendly home systems and appliance coverage. Select offers appliance-only and systems-only plans. It also offers a combination plan for those who need full coverage. It pairs each plan with $400 roof-leak protection coverage. Other providers list it as an add-on.

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Select provides three coverage plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan covers major appliances, while the Gold Care plan covers major systems such as your air conditioner and heating system. It pairs each plan with a $75 service call fee. We spoke with a representative who noted the company offers a $60 service call fee if you sign up for a policy over the phone.

Select provides various coverage caps based on the covered item. For instance, it covers air conditioners up to $3,000 per claim. Conversely, it covers clothes washers up to $500 per claim. Select offers stand-alone freezer coverage for those with an additional freezer that needs protection. Other providers typically cover additional refrigerators over freezers.

Select offers the following add-ons: central vacuum, lawn sprinkler system, pool, roof-leak coverage, septic system, spa, stand-alone freezer, sump, and well pump.

Here are more details about Select Home Warranty’s plans:

• Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
• Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
• Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
• Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

During our secret shopping process, we created sample quotes over the phone and through Select’s online quote tool. Surprisingly, you don’t need your home address for the tool. You only enter your name, phone number, email address, and ZIP code. We did learn that Select prefers resolving plan issues and processing claims over the phone. 

In most cases, Select will choose a service technician from its network of contractors. If there are no technicians in your area, the company will let you choose your own. However, Select must approve the choice before the repair process begins. 

Based on online reviews, homeowners appreciated Select’s affordable plan options and simple sign-up process. However, many reviews mentioned issues reaching customer support to file their claims.

• Provider Review: AFC Home Warranty review
• Provider sample contract: AFC Home Warranty sample contract directory
• State Availability: 49 (excluding Hawaii)
• Monthly Cost: $38–$63

America’s First Choice Home Warranty (AFC Home Warranty) is another reputable home warranty provider available to Kentucky residents. The provider offers flexible coverage plans and service call fees, plus it includes unique membership perks such as free credit monitoring. AFC Home Warranty is the only provider on this list that allows you to choose your own service provider. This makes AFC Home Warranty a great choice for homeowners who already work with a trusted technician.

AFC Home Warranty earned a 4.6 out of 5-star rating in our review standards. Along with its flexible service call fee model, the variety of plans offered by AFC Home Warranty is ideal for homeowners who want a personalized home warranty package and pricing. AFC Home Warranty also offers a lengthy workmanship guarantee and additional membership perks. Other providers don’t include membership perks within their plans.

Unlike most providers, AFC Home Warranty offers four coverage plans: Silver, Systems, Gold, and Platinum. The Silver Plan protects home appliances. The Systems Plan protects systems, including water heaters. The Gold Plan combines systems and appliance coverage. The Platinum Plan adds additional coverage to the Gold Plan, such as built-in microwaves and plumbing stoppages. It allows you to choose from a $75, $100, or $125 service call fee. Choosing a lower service call fee increases your monthly premium and vice versa.

Similar to Select Home Warranty, AFC Home Warranty provides various coverage limits per covered item. According to our research, the company provides an unlimited coverage cap for heating and cooling systems. However, it limits ductwork systems to $150 per claim.

For those who want extra protection for their household electronics, AFC Home Warranty offers electronics coverage as an add-on. Most providers don’t offer electronics protection.

AFC Home Warranty offers the following additional coverage options: built-in microwave, central vacuum, double oven, electronics coverage, hot water dispenser, ice maker, in-ground pool, in-ground pool and spa, roof-leak coverage, septic system, stand-alone freezer, sump and well pump

Here are details on each plan offered by AFC Home Warranty:

• Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
• Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
• Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage door openers
• Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
• Optional add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair. Based on the quote we pulled, in-ground pool coverage costs $9 per month.

AFC Home Warranty provides an easy-to-use quote tool. Where it differs from most providers, however, is its cost page. Unlike other providers, AFC Home Warranty requires clicking on each plan to select your desired service call fee. If you wish to compare the prices of the other plans, you must click on the “Back To Plans” button. Although obtaining a quote is straightforward, comparing plan prices isn’t as efficient as other providers.

We consider AFC Home Warranty’s unlimited workmanship guarantee its best feature. The peace of mind its workmanship guarantee provides makes it a solid choice for those who own older appliances or systems. Additionally, AFC Home Warranty is one of the few providers that allows you to choose your contractor. However, its mixed coverage limits for home systems lower its value from a coverage standpoint.

Our team read dozens of customer reviews to understand how AFC Home Warranty handles customer service. We found mixed reviews. Several customers appreciated AFC Home Warranty’s speedy claims processing. Others disliked the depreciation valuation AFC places on covered items.