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Best Home Warranty Companies in Indiana (2024)

Liberty Home Guard and American Home Shield are our top recommendations for Indiana home warranty companies. Read our guide for our full list and advice on picking the right plan.

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 04/10/2024

A home warranty offers Indiana residents extra protection for their home systems and appliances during breakdowns. However, choosing the right home warranty company to cover these unexpected issues can be time-consuming and challenging.

To simplify your search, we reviewed and scored 57 leading home warranty providers to find the best options for Indiana homes. We recommend Liberty Home Guard for its extensive add-on catalog and American Home Shield for its comprehensive plan protections. Our guide highlights the top five providers in the state and offers tips for finding the right coverage to protect your Indiana home.

Key Takeaways

Indiana’s top home warranty companies are Liberty Home Guard, American Home Shield, and Elite Home Warranty, after reviewing nearly 60 providers.
A home warranty in Indiana costs $40–$70 per month but varies based on your chosen plan and add-ons.
Our survey found that the national average monthly home warranty cost is $89, making Indiana plans more affordable.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


Indiana’s Top 5 Home Warranty Companies

The highest-rated home warranty companies in Indiana include:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Provider pricing is based on sample quotes for a 2,104-square-foot, single-family home in Indianapolis, Indiana. Your monthly premium may vary based on your home’s location, size, type and chosen plan and add-on choices.


Summary of the Best Home Warranty Companies in Indiana

Below, we compare the top home warranty companies in Indiana. The monthly cost represents costs represent quotes we pulled from each provider during our secret-shopping process. We analyzed each provider’s plans, service fees, and industry reputation.

Best For Monthly Cost in IN Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield Best for Comprehensive Coverage $29–$89 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty Flexible Coverage $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$47 $60–$75 48-84 hours B- VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $44–$84 $75–$125 4-48 hours B VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost in IN $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost in IN $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Best For Flexible Coverage
Monthly Cost in IN $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost in IN $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost in IN $44–$84
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
Company BBB Rating Monthly Cost in IN Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $44–$84 $75–$125 VISIT SITE
No results were found.

Note: BBB ratings accurate as of April 2024

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,100-square-foot, single-family home in Indianapolis, Indiana. Your pricing may vary depending on your home’s location, size, type, and plan selections.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of Home Warranty Companies in Indiana

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Liberty Home Guard offers a quick claims response time and easy-to-reach customer service. The company also has over 30 add-on coverage options and three specialized plan options. 

Why We Chose Liberty Home Guard

We scored Liberty Home Guard a 4.5 out of 5 stars in our rating system. The company maintains excellent customer ratings on several third-party review sites, such as Google Reviews and the BBB. The company has three plans with 38 add-on coverage options. LHG is an excellent choice for homeowners with unique coverage needs. 

Pros and Cons

Pros Includes a 60-day workmanship guarantee Maintains customer service ratings across several review sites Offers 38 add-on coverage options, such as pest control and carpet cleaning Cons Doesn’t let you choose your own service provider Lacks transparency with service call fee pricing Only covers high-end appliances through add-ons

Plans and Pricing

Liberty Home Guard offers a plan for appliances, built-in systems, and a combination of both. The company determines your service call fee price based on your home size, type, location, and plan and add-on selections. You could pay a $65–$125 service call fee per claim. Liberty’s plans range from $49–$59 per month.

The company offers monthly and annual premiums. You’ll pay between $499 and $599 annually. You’ll receive two additional coverage months if you choose an annual plan. 

Below is an overview of Liberty Home Guard’s plans:

  • Appliance Guard: This plan covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard: This plan covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard: The highest plan includes all the items in the Appliance Guard and Systems Guard plans. 
  • Optional add-ons: You can choose from 38 options, including central vacuums, rekeying service, gutter cleaning, floor cleaning, and plumbing fixtures.

Here is an overview of LHG’s pricing for each plan:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

What To Expect

LHG provides over-the-phone and online quotes. With the online tool, you simply enter your name, phone number, and address. Next, provide details on your home type and size. Your custom quote includes options to toggle between premium frequency and plan options. 

LHG will send its own service technicians on repair calls. However, you can choose a technician if there are no local providers in your area. 

LHG customer reviews praised the company’s excellent customer support team and simple claims process. Negative reviews pointed out lower-than-expected reimbursement payouts.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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 offers comprehensive coverage plans, competitive pricing, and a positive reputation for customer service.

Why We Chose American Home Shield

AHS received a 4.4 out of 5 stars in our review standards and topped our list of Indiana providers. The company has three comprehensive coverage plans and two service fees, giving customers more ways to customize. AHS offers coverage for rust, sediment, and corrosion damage. Most home warranty companies exclude these conditions. You should consider AHS as your service provider if you own older appliances and systems. 

Pros and Cons

Pros Has flexible service fees for better plan customization Includes three comprehensive plan options Offers extended coverage for electronics and guest houses Cons Doesn’t offer an appliance-only plan Only offers monthly premiums Slightly higher than many competitors

Plans and 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 electrical and plumbing systems. The ShieldGold plan includes ShieldSilver protections and covers 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.

You can choose between a service call fee of $100 or $125. Choosing a lower service fee increases your monthly premium. All plans include a 30-day workmanship guarantee. AHS offers only monthly options for its plans

American Home Shield offers the following coverage plans:

  • ShieldSilver: This plan covers major home systems, such as air conditioners, ductwork, and interior plumbing lines. 
  • ShieldGold: This plan includes ShieldSilver coverage and adds appliance protection. 
  • ShieldPlatinum: The highest comprehensive coverage includes ShieldGold coverage and added perks such as roof-leak coverage and $1,000 for code upgrades. 
  • Optional add-ons: Add-on coverage includes electronics, pools/spas, guest units, septic pumps, and well pumps.

Below is an overview of pricing for each plan:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5000

ShieldGold

$49.99–$59.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$79.99–$89.99

$100–$125

Systems: $5,000
Appliances: $4,000

What To Expect

AHS offers quotes over the phone and through its online tool. Our team tested the online tool and found it simple to use. We entered our address, ZIP code, and email to get a quote. We could then change service fees and plan options and receive instant pricing updates. 

AHS restricts its service technician options to its own network. Our team member has AHS service and submitted a claim to repair his leaking bathroom pipe. He received a next-day service appointment after speaking with a representative. The technician resolved his issue and only charged him for the service call fee. 

We read dozens of online reviews to gauge AHS customer experiences. Homeowners were pleased with the company’s efficient claims process but disappointed with their claims reimbursement payouts.

Elite Home Warranty

Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored Elite Home Warranty

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.

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

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

Our Experience with Elite Home Warranty

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.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.
8.9/10

Select Home Warranty earns the designation of “Best Value” because all of their plans are under $50 in monthly fees. They also include free roof-leak coverage. Budget-conscious homeowners can enjoy Select Home Warranty’s many benefits without an intimidating price tag.

Why We Chose Select Home Warranty

Select Home Warranty received a 4.3 out of 5 stars in this review. The company offers affordable warranty plans with premiums below $50 per month and service fees under $80. You also receive roof-leak repair coverage at no additional cost. Most home warranty companies require additional fees or a more expensive plan for this coverage type. Homeowners looking for a low-cost plan and basic coverage should consider Select Home Warranty. 

Pros and Cons

Pros Includes free roof leak coverage Offers plan for less than $50 per month Provides a $3,000 coverage cap for HVAC systems Cons Doesn’t let you choose your own service fee Has a list of brand name appliances that aren’t eligible for coverage Offers lower caps than other reviewed providers

Plans and Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. 

The Bronze Care package covers appliances, while the Gold Care package exclusively covers your home’s major systems. The Platinum Care package is ideal for homeowners seeking a combination coverage package. You’ll receive a $60–$75 service call fee per claim, but you cannot choose your preferred amount. Our team learned that SHW offers its lowest service call fee through an exclusive over-the-phone offer. 

You receive a $3,000 cap for HVAC systems. However, other covered systems have a $500 coverage limit. You may pay more out of pocket for repairs that exceed the limit. Plans include a 30-day workmanship guarantee.

Select Home Warranty provides monthly and annual premium options. Expect to pay between $479 and $524 annually. Select offers up to $150 off and two additional coverage months when you select an annual plan. 

We’ve provided the following overview of Select Home Warranty’s plans:

  • Bronze Care: Its lowest plan includes eight home appliances, such as built-in microwaves, garbage disposals, and stoves.
  • Gold Care: The next plan covers six major home systems, such as air conditioning, heating, and electrical systems.
  • Platinum Care: The highest plan includes Bronze and Gold Care coverage, plus garage door openers and plumbing stoppages. 
  • Optional add-ons: Optional add-on coverage includes central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps.

See more details on Select’s plan pricing below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

What To Expect

Our team pulled quotes with the Select Home Warranty team and on its website. The online quote tool only requires your ZIP code, name, phone number, and email address. From there, you can adjust your plan coverage and payment schedule. 

Select uses preapproved service technicians but lets you choose a technician if it cannot provide one for you. 

After reading online reviews, we learned that homeowners liked the low-cost plan options but had difficulty reaching the customer support team.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

First American provides a generous $3,500 coverage cap per home appliance. Additionally, First American offers an upgrade package that covers miscellaneous appliance parts and repair fees.

Why We Chose First American Home Warranty

We awarded First American Home Warranty 4.6 out of 5 stars in our review standards. First American offers one of the highest appliance limits in this review. You receive a $3,500 limit for its lowest plans and $7,000 with its highest plan. The company also offers its First American Advantage upgrade, which includes coverage for improperly maintained, modified, or installed appliances. First American makes a solid choice for homeowners with high-end appliances. 

Pros and Cons

Pros Includes a generous $3,500 coverage cap per appliance Offers its First American Advantage upgrade for improved coverage Provides unlimited coverage caps on heating, cooling, and ductwork Cons Covers air conditioning as an add-on to its lowest plan Doesn’t provide roof-leak coverage Excludes home systems coverage in its Basic Plan

Plans and Pricing

First American Home Warranty provides three plan options: the Starter Plan, the Essential Plan, and the Premium Plan. Customers can choose between a $75, $100, or $125 service call fee. You receive a $3,500 appliance limit with Starter and Essential plans and $ 7,000 under its Premium Plan. First American covers all repairs for 30 days.

First American Home Warranty offers annual and monthly premiums. Annual plan fees cost between $504 and $984. First American doesn’t offer bonus coverage months or discounts for choosing an annual premium. 

We’ve outlined First American’s plan coverage below:

  • Starter Plan: This plan covers built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms. 
  • Essential Plan: You receive everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, garage door openers, trash compactors, and water heaters.
  • Premium Plan: The highest plan tier includes all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
  • Optional add-ons: Add-on coverage includes additional refrigeration, air conditioning for the Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.

More details on First American plan pricing can be found below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$44–$59

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$54–$69

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$69–$84

$75–$125

Systems: Remain the same Appliances: $7,000

 

What To Expect

We easily generated sample quotes with First American representatives and its online tool. 

You enter your name, phone number, email, and home address. The tool also asks for the home’s type and the estimated square footage. We could adjust our plan between the available service fees and premium options. 

First American sends in-network service contractors to fix your issues. You use your own technician if an in-network provider isn’t available near you. One of our team members filed a claim with First American for his garage door opener. He started the process on a Friday and received a technician appointment the following Monday. Repairs were completed in less than 30 minutes, and he simply paid the service call fee. 

Online reviews revealed homeowners liked the simple claim filing process but reported delays with service request fulfillment.


How Are Home Warranties Regulated in Indiana?

The Indiana Department of Insurance (IDOI) regulates home warranty companies. The state offers online resources to help consumers make more informed decisions. Homeowners can file complaints with the IDOI through its Consumer Services Division. The Indiana Attorney General also accepts complaints under its Consumer Protection Division


How Much Does a Home Warranty Cost in Indiana?

Indiana’s average home warranty cost is $53 per month or $636 for an annual premium, which is less expensive than the national average. Our February 2024 survey of 1,000 home warranty customers nationwide showed us that the national average monthly cost is closer to $89. However, your total home warranty cost in Indiana could increase based on factors beyond your premium.

Our survey revealed that service fees will cost between $60 and $150 per claim, depending on your plan. Your coverage type could also impact costs. Our research showed that most home warranty companies charge more for comprehensive plans than system—or appliance-specific options.

In addition, add-on options will increase your plan’s costs but could be a necessary expense. Based on our survey results, 56% of homeowners added roof-leak coverage to their plans. You must pay extra for the add-on option since most home warranty companies don’t include this protection with standard plans. We recommend selecting coverage that suits your home and limiting add-ons to only immediate needs to save on costs.


What To Look For When Buying a Home Warranty in Indiana

When choosing a home warranty in Indiana, keep the following factors in mind:

  • Compare quotes: Request quotes from at least three companies to find the best options. You could miss out on additional perks and discounts by researching only one company. 
  • Determine your coverage needs: Consider which systems and appliances need home warranty protection. Choose a plan that meets those specific needs and avoid getting coverage that doesn’t meet your immediate demands. 
  • Verify coverage caps: Check your sample quotes for details on coverage caps and ensure your essential items receive adequate protection. Read through each policy and check for any provisions concerning system age or condition that could impact your reimbursement total.

Expert Takes on Home Warranties

We interviewed industry experts for their home warranty insights. We asked some common homeowner questions regarding home warranty coverage. Their answers are below:

  • What should I ask before buying an Indiana home warranty? Daniel Cabrera, founder of Sell Your House Fast, said homeowners should get clarification on the provider’s policy. He said, “Homeowners should understand what specific items, parts, or situations the company excludes from the warranty.” Ask questions about the policy’s inclusions, exclusions, and limitations. 
  • Do Indiana home warranties offer other reimbursement options besides repairs? Kurt Walker, a real estate expert associated with Mill City Home Buyers, said that some companies opt for cash payouts instead of repairs. “However, you must be aware that the cash payout might not cover the cost of replacement,” he said.
  • How can I tell if a home warranty company is trustworthy? Peter Evering, a Business Development Manager for Utopia Property Management, said online reviews are key to understanding a company’s customer relationship. He said, “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”

Our Conclusion

We selected Liberty Home Guard as the top Indiana home warranty company due to its excellent customer support and add-on coverage variety. American Home Shield offers comprehensive coverage options and industry experience. With Select Home Shield, you get basic home protection at an affordable price. We recommend getting quotes from multiple companies to find the best fit for your home. 


Other Resources for Residents in Indiana


FAQ About Home Warranties in Indiana

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 Indiana home warranty companies trustworthy?

Yes, these home warranty companies are trustworthy. Our team vetted each company and researched its brand reputation, customer reviews, and coverage plans. However, not every company is a trustworthy option. Before signing up for a plan, take the time to read your sample contract to better understand how the company operates, its provided customer service, and any coverage exclusions.

How long do I wait before using my home warranty in Indiana?

The waiting period for an Indiana home warranty can vary based on the company. However, most providers have a standard 30-day waiting period before you can file a claim. We recommend checking your home warranty policy for exact details on your wait period. 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for top cities in Indiana below:


Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.