clock menu more-arrow no yes

Best Home Warranty Companies in Kentucky

If you’re worried about being able to afford an expensive repair or replacement on one of your home systems or appliances, consider investing in a home warranty. In this review, we’ll take a closer look at the top three home warranty companies in Kentucky.

Home Exterior iStock

Investing in a Kentucky home warranty can provide peace of mind and help you pay for your systems and appliances when they break down due to normal wear and tear. Not to mention, having a home protection plan will prevent you from having to track down a trusted contractor to do the repair work for you.

Since there are a variety of home warranty providers on the market, and it can be challenging to determine which is the best for you and your home, the This Old House Reviews Team made your home warranty search easier by narrowing down the companies to choose from. Keep reading this review for the best home warranty companies in your state.

Kentucky’s Top 3 Home Warranty Companies

The highest rated home warranty companies in Kentucky include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Service
  3. Liberty Home Guard: Most Trusted

When determining the best Kentucky home warranty companies, we looked at coverage plans, add-on options, pricing, years of experience, and other factors. These are our top three picks.

1. American Home Shield

American Home Shield (AHS) has served over 1.8 million customers in 49 states and has nearly 50 years of experience in the home warranty industry. Not to mention, AHS has approved claims worth more than $2 billion and has used its network of more than 15,000 contractors to fulfill those requests.

AHS offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver covers home systems only, such as your home’s heating and cooling, plumbing, and electrical systems. The ShieldGold covers all of the ShieldSilver plan and adds coverage for appliances, bringing the total number of items to 23. The ShieldPlatinum plan increases coverage caps, deepening your protection. It also includes roof leak coverage and a free HVAC tune-up.

American Home Shield also offers protection to a limited number of items that aren’t usually included in home warranty coverage:

  • Electronic extended warranty
  • Pool and spa
  • Well pump
  • Septic pump
  • Guest unit under 750 square feet

Prices vary depending on which service fee you decide to use in your contract. Here’s a complete breakdown of AHS plan pricing below:

Pricing of American Home Shield

Plan $75 Service Fee $100 Service Fee $125 Service Fee
Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver™ $54.99 per month $44.99 per month $39.99 per month
ShieldGold™ $64.99 per month $54.99 per month $49.99 per month
ShieldPlatinum™ $79.99 per month $69.99 per month $64.99 per month

For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

2. Choice Home Warranty

Choice Home Warranty (CHW) has just over 11 years of industry experience. CHW has a Basic Plan and Total Plan. The Basic Plan protects 14 of your home’s systems and appliances and the Total Plan covers everything under the Basic Plan, plus your refrigerator, washer, dryer, and air conditioning.

Choice Home Warranty’s add-on list is more extensive than American Home Shield and includes the following items:

  • Pool and spa
  • Central vacuum
  • Second refrigerator
  • Well pump
  • Limited roof leaks
  • Stand alone freezer
  • Sump pump
  • Septic system
  • Septic tank pumping

Here’s a pricing breakdown of Choice Home Warranty plans:

Pricing of Choice Home Warranty

Basic Plan Total Plan
Basic Plan Total Plan
$36.17 per month $43.85 per month

On top of a monthly premium, you’ll pay a service fee of $60–$85 for every claim you make.

For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

3. Liberty Home Guard

Liberty Home Guard (LHG) is new to the home warranty industry with only two years of experience. However, the company is more trusted than the other two providers with an A+ rating from the Better Business Bureau, while the other two have B and B- ratings respectively.

LHG offers three plans to homeowners—Appliance Guard, System Guard, and Total Home Guard. Appliance Guard protects nine appliances, including a washer, dryer, refrigerator, and dishwasher. System Guard covers your air conditioning, heating, ductwork, electrical, plumbing, and water systems. Total Home Guard combines those two plans for comprehensive coverage.

LHG has over 15 add-on options to customize your plan. Here are a few of them:

  • Re-key
  • Water softener
  • Swamp cooler
  • Ejector pump
  • Grinder pump
  • Lawn sprinkler system
  • Pest control
  • Limited roof leak

Here are estimates for LHG’s plans:

Pricing of Liberty Home Guard

Appliance Guard System Guard Total Home Guard
Appliance Guard System Guard Total Home Guard
$39.99 per month $49.99 per month $59.99 per month

Along with the monthly premium, homeowners will pay a service fee of $60 every time they submit a service request.

For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Our Conclusion

American Home Shield, Choice Home Warranty, and Liberty Home Guard are the best options for Kentucky residents looking for home warranty coverage because they offer standard appliance and system protection at affordable pricing. Before zeroing in on one home warranty company, get a quote from all three to compare pricing based on your location.

Frequently Asked Questions about Kentucky Home Warranties

How much does a home warranty cost in Kentucky?

The average home warranty costs between $300 and $600 annually. This price doesn’t include the service fee, which is usually between $75–$125 every time you file a claim.

What’s covered under a Kentucky home warranty?

A home warranty covers major systems and appliances. Most providers offer three protection plans for homeowners—one for systems, one for appliances, and one for both.

What are the benefits of a Kentucky home warranty?

Having home warranty coverage can help you afford an appliance or system breakdown and allow you to pay a small service fee instead of hundreds of dollars out of pocket. A home warranty will also prevent you from spending time trying to find a contractor to fix the broken item, since your provider will likely have a network of technicians at its disposal.

Additionally, if you plan on selling your home in the near future, a warranty can make your home more marketable to potential buyers since it offers them additional protection for their first year of homeownership.

To share feedback or ask a question about this article, send a note to our Reviews Team at