We’ve selected American Home Shield as the top provider in Indiana for its comprehensive plan protections and generous coverage limits. Elite Home Warranty also stands out with its flexible plan options and extensive add-on catalog. To help streamline your search, we reviewed and scored 13 leading home warranty providers to find the best choices for Indiana homes.
A home warranty offers financial protection for home system and appliance breakdowns, which is especially important in Indiana, where extreme temperatures can put strain on HVAC systems over time. Our review features the top five providers in the state and offers insights on selecting the right coverage for your Indiana home.
Key Takeaways
- We picked American Home Shield as Indiana’s top home warranty company, aligning with our 2025 survey results, where 45% of state residents also chose the provider for their home.
- A home warranty in Indiana costs $392–$853 per year on average, or $33-$73 per month, but rates will vary based on your chosen plan and add-ons.
- Our survey found that over 44% of Indiana residents choose home warranty coverage to protect their heating or furnace system, making this item a key priority for homeowners.
Indiana’s Top 5 Home Warranty Companies
After reviewing 13 leading home warranty providers, we choose the below companies for Indiana residents:
- American Home Shield: Best Comprehensive Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- Liberty Home Guard: Best Customer Support
- Select Home Warranty: Best Budget Plan Option
Summary of the Best Home Warranty Companies in Indiana
Below, we compare the top home warranty companies in Indiana based on key factors such as monthly cost and Better Business Bureau (BBB) ratings. Monthly costs reflect the average of sample quotes gathered during our secret-shopping process for over 4,000 single-family homes nationwide, both under and over 5,000 square feet. Your actual costs may vary depending on your home’s location, size, type, chosen plan, and add-ons.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
A+ | $57–$68 | $65–$125 | ||
B- | $44–$48 | $60–$75 |
Note: The Better Business Bureau (BBB) is an organization that independently reviews companies’ credibility, reputation, and responsiveness. Ratings are accurate as of February 2025.
Note: NR, or “No Rating,” means that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Reviews of Home Warranty Companies in Indiana
American Home Shield
American Home Shield (AHS) 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. AHS offers comprehensive coverage plans, competitive pricing, and a positive reputation for customer service.
Why We Chose American Home Shield
AHS 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 home 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 options include electronics, pools/spas, guest units, septic pumps, and well pumps.
Below is an overview of pricing for each plan:
| Plan | Average Monthly Cost | Service Fee | Coverage Cap |
| ShieldSilver | $20 | $100–$125 | $5000 |
| ShieldGold | $30 | $100–$125 | Systems: $5,000 Appliances: $2,000 |
| ShieldPlatinum | $90 | $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
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 over 30 add-on options.
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 | Average Monthly Cost | Service Fee | Coverage Cap |
| Elite Appliances | $44 | $70 | Varies per Item |
| Elite Systems | $50 | $70 | Varies per Item |
| Elite Complete | $60 | $70 | Varies per Item |
Elite offers over 30 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.
First American Home Warranty
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
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 $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 | Average Monthly Cost | Service Fee | Coverage Cap |
| Starter Plan | $45 | $100–$125 | Systems: UnlimitedAppliances: $3,500 |
| Essential Plan | $60 | $100–$125 | Systems: Unlimited (Water heaters: $1,000)Appliances: $3,500 |
| Premium Plan | $80 | $100–$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.
Liberty Home Guard
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
Liberty Home Guard 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 (LHG) 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 the company’s pricing for each plan:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Appliance Guard | $50 | $65–$125 | $2,000 |
| Systems Guard | $55 | $65–$125 | $2,000 (Plumbing & electrical: $500) |
| Total Home Guard | $60 | $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.
The company will send its own service technicians on repair calls. However, you can choose a technician if there are no local providers in your area.
Customer reviews praised the company’s excellent customer support team and simple claims process. Negative reviews pointed out lower-than-expected reimbursement payouts.
Select Home Warranty
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 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 | $60–$75 | $500 |
| Gold Care | $44 | $60–$75 | $500 (HVAC: $3,000) |
| Platinum Care | $48 | $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.
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?
The average home warranty cost in Indiana ranges from $33–$73 per month or $392–$853 per year, which is lower than the national average of $564–$984 annually. However, your total cost may vary based on several additional factors.
For example, you must pay a service call fee for each repair call, which typically ranges from $75–$125 per claim, depending on your plan. In addition, your coverage type plays a role in pricing. Our research indicates that most home warranty companies charge higher pricing for comprehensive plans than system- or appliance-specific options. To save on costs, we recommend selecting a plan that best suits your home’s needs and limiting add-ons to only essential coverage.
We compare the average costs and service call fees for our top Indiana providers below:
| Provider | Average Monthly Cost | Service Fee Costs |
|---|---|---|
| American Home Shield | $20–$90 | $100–$125 |
| Elite Home Warranty | $44–$60 | $70 |
| First American Home Warranty | $45–$80 | $100–$125 |
| Liberty Home Guard | $50–$60 | $65–$125 |
| Select Home Warranty | $44–$48 | $60–$75 |
How We Determined Home Warranty Pricing
To estimate home warranty costs in Indiana and nationwide, we collected over 4,000 quotes from 13 companies across all 50 U.S. states. We used sample addresses for single-family homes of varying sizes—both under and over 5,000 square feet—in each state to calculate average prices. In Indiana, we gathered quotes for homes in Carmel, Fort Wayne, Indianapolis, and Wolcottville. This approach helps us provide a comprehensive view by reflecting both urban and rural homeowner demographics. We then averaged the costs from each state to determine a national price range.
What To Look For When Buying a Home Warranty in Indiana
When shopping for a home warranty in Indiana, keep these key factors in mind:
- Assess your coverage needs: Determine which systems and appliances need protection in your home. Choose a plan that meets your specific needs and avoid paying for unnecessary coverage. This assessment should include any add-on coverage you may need.
- Check coverage caps and limitations: Review coverage limits in sample contracts to ensure your essential home systems and appliances will have adequate protection. Pay attention to any exclusions or conditions that could impact your claim reimbursements.
- Compare multiple quotes: Request quotes from at least three providers to compare pricing, coverage options, service call fees, and available discounts.
- Review customer feedback: Read customer reviews and check ratings from organizations such as the BBB to ensure a provider is reliable and responsive.
- Understand contract terms and exclusions: Carefully review plan terms, including waiting periods, exclusions, and cancellation policies, before buying. Watch out for any hidden fees or restrictions that may impact your coverage.
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 chose American Home Shield as the top Indiana home warranty company due to its comprehensive coverage options and industry experience. We recommend getting quotes from multiple companies to find the best fit for your home.
FAQs 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.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conducted research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then scored each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
