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: Our Overall Top Pick
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
- 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
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
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
First American Home Warranty
If you want comprehensive coverage for your Indiana home without paying a large premium, First American Home Warranty is a solid choice. First American provides generous courage for your home’s appliances due to its $3,500 coverage cap limit per appliance. Additionally, First American offers its First Class Upgrade package for additional perks, such as coverage for miscellaneous appliance parts and repair fees.
Pros & Cons
✔ Offers First Class Upgrade* for extra coverage items
✔ Provides affordable plans for less than $50 a month
✔ Extends generous $3,500 coverage cap per appliance
✘ Excludes home systems coverage in its Basic Plan
✘ Offers air conditioning as an add-on only
*When adding the First Class Upgrade to a plan, policyholders gain coverage for cosmetic damage on home systems or appliances. Additionally, the First Class Upgrade covers expenses from using cranes during installation, pays up to $250 where local building permits are required for replacing appliances, and pays for expenses associated with the removal or hauling away of an appliance.
Plans & Pricing
First American Home Warranty offers two plans: the Basic Plan and the Premier Plan. The Basic Plan covers home appliances and the Premier plan includes appliances plus home systems coverage.
Here is an overview of First American’s prices per month with its standard $85 service call fee:
- Basic Plan: $38
- Premier Plan: $48.50
To request your personalized quote, fill out First American Home Warranty’s quote form or call 800-891-9778.
Learn more: First American 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 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
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.
Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.
To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:
- Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
- Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
- Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
- Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.