Best Home Warranty Companies in Indiana (2023)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

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. 

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. 

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 ($49.99 per month): This plan covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard ($54.99 per month): This plan covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): 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.

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.

• 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–$89

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.

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. 

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 ($29.99–$39.99 per month): This plan covers major home systems, such as air conditioners, ductwork, and interior plumbing lines. 
• ShieldGold ($49.99–$59.99 per month): This plan includes ShieldSilver coverage and adds appliance protection. 
• ShieldPlatinum ($79.99–$89.99 per month): 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.

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.

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 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 plan and add-on coverage variety.  We deducted points for its restrictive service technician policy 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

✔ Offers three comprehensive standard plans                                        

✔ Provides 27 add-on options     

✔ Includes a 90-day workmanship guarantee                               

Cons                                 

X Charges higher service call fees for high-end appliances

X Excludes out-of-network contractors from workmanship guarantee

X Requires you to call for a quote 

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. 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.

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
• 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. You won’t receive any workmanship coverage if you choose your own technician.

• 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–$47

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.

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. 

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. 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 ($44.42 per month): Its lowest plan includes eight home appliances, such as built-in microwaves, garbage disposals, and stoves.
• Gold Care ($44.42 per month): The next plan covers six major home systems, such as air conditioning, heating, and electrical systems.
• Platinum Care ($47.75 per month): 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.

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.

• Provider Review: First American Home Warranty review
• Provider Sample Contract: First American Home Warranty sample contract
• State Availability: 35*
• Monthly Cost: $44–$84

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, 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.

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. 

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 ($44–$59 per month): 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 ($54–$69 per month): 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 ($69–$84 per month): 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.

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.