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:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
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.
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.
Plans & Pricing
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—$75, $100, or $125. The higher the service fee, the lower your monthly premium will be.
Here’s the monthly cost of each plan if you choose a $75 service fee:
- ShieldSilver: $54.99 per month
- ShieldGold: $64.99 per month
- ShieldPlatinum: $79.99 per month
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) has just over 11 years of industry experience and is a company we recommend for Kentucky homeowners.
Plans & Pricing
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
On top of a monthly premium, you’ll pay a service fee of $60–$85 for every claim you make.
Here’s a pricing breakdown of Choice Home Warranty plans:
- Basic Plan: $36.17 per month
- Total Plan: $43.85 per month
Learn more: Choice Home Warranty Review
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.
Plans & Pricing
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. A few include: Re-key, water softener, swamp cooler, ejector pump, grinder pump, lawn sprinkler system, pest control, limited roof leak
Along with the monthly premium, homeowners will pay a service fee of $60 every time they submit a service request.
Here are monthly cost estimates for LHG’s plans:
- Appliance Guard: $39.99 per month
- System Guard: $49.99 per month
- Total Home Guard: $59.99 per month
Learn more: Liberty Home Guard Review
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.
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