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Best Home Warranty Companies in Kentucky (2024)

Author Image Written by Dana Getz Updated 05/03/2024

A home warranty prevents you from paying big out-of-pocket costs when your home systems or appliances fail from regular use. A home warranty also saves you the time of tracking down a trusted contractor to do the repair.

We simplified your search by narrowing down the best home warranty companies in Kentucky. Liberty Home Guard and American Home Shield are our top picks for Kentucky residents seeking coverage. These providers offer generous appliance and system protection, along wit trustworthy customer service.

Keep reading this review to learn more about these and other top providers in the state.

Key Takeaways

The best home warranty companies in Kentucky are Liberty Home Guard and American Home Shield, based on our extensive research of 57 home warranty providers.
A home warranty costs $29–$92 per month in Kentucky, depending on your provider and coverage.
Our survey revealed 92.7% of policyholders were satisfied with their current home warranty plan.

Note: For this article’s pricing information, our team pulled quotes for a 1,800-square-foot single-family home in Lexington, Kentucky. Your monthly premium may vary based on your home’s location, size, and type and your plan and add-on choices.

Did You Know?

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


Kentucky’s Top 5 Home Warranty Companies

The highest-rated Kentucky home warranty companies include the following:

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

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 two picks.


Comparing the Best Home Warranty Companies in Kentucky

Overall Score

4.6 / 5
4.8 / 5
4.5 / 5
4 / 5
4.4 / 5

BBB Rating

NR
B
A+
B
B

Monthly Cost

$49–$59
$49–$109
$44–$59
$44–$47
$34–$92

Service Fees

$65–$125
$100–$125
$70
$60–$75
$75–$125

Customer Support Options

Email, Phone, Online Chat, Online Portal
Phone, Online Portal
Email, Phone, Online Portal
Email, Phone, Online Portal
Phone, Online Portal

Response Time

Up to 48 hours
Up to 48 hours
Up to 48 hours
48-84 hours
24-48 hours

Pros

  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Low-cost plan options
  • High HVAC coverage
  • Free roof leak protection
  • Excellent plan flexibility
  • Technician flexibility
  • Unlimited HVAC coverage

Cons

  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • Low coverage caps for other items
  • No service call fee flexibility
  • Depreciation policy for older items
  • Immediate claim submission required

Summary

We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.

We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.

We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.

We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.

We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems.

Promotions

$200 Off + 2 Months Free + Roof Leak Protection
$150 off any plan
$150 off + 30-day free trial
Use code HOUSE25 for $150 off + 2 months free
$200 off + roof leak coverage + lifetime parts and labor

Rating Categories

Coverage

2.8 / 5
4.5 / 5
3.7 / 5
2.3 / 5
2.8 / 5

Value

3.5 / 5
2.3 / 5
2.5 / 5
4 / 5
3.3 / 5

Trustworthiness

4.3 / 5
3.1 / 5
4.7 / 5
3.3 / 5
2.9 / 5

Plan Transparency

2.5 / 5
5 / 5
3 / 5
2.5 / 5
3 / 5

Customer Support

4.7 / 5
4.3 / 5
3.3 / 5
3.7 / 5
3.7 / 5

Flexibility

3.5 / 5
2.5 / 5
3 / 5
2.5 / 5
4 / 5
Company BBB Rating Monthly Cost in KY 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 $34–$92 $75–$125 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,005-square-foot, single-family home in Louisville, Kentucky. 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
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for 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 the Best Kentucky Home Warranties

Liberty Home Guard

Best Overall
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.

Liberty Home Guard (LHG) is new to the home warranty industry with under a decade of experience. LHG offers solid major systems and appliance coverage and a large suite of unique add-on options. LHG extends a 60-day workmanship guarantee, double the industry average of 30 days.

Why We Chose Liberty Home Guard

It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides a live-chat customer service feature Cons Doesn’t allow plan price or service call fee customization Covers high-end appliances only with add-on purchase Lacks transparency about service call fees during the quote process

Plans and Pricing

LHG offers three plans to homeowners: Appliance Guard, System Guard, and Total Home Guard. Appliance Guard protects nine home appliances, including washers, dryers, garage-door openers, refrigerators, and dishwashers. System Guard covers your air conditioning, heating, ductwork, electrical, plumbing, and water systems. Total Home Guard combines the two plans for comprehensive coverage. Unless otherwise noted in your service contract, all covered items are subject to LHG’s $2,000 coverage cap.

LHG has over 30 add-on options to customize your plan, including the following: central vacuum, ejector pump, grinder pump, instant hot water dispenser, lawn sprinkler system, limited roof leak, pest control, re-key service, swamp cooler, sump pump, and water softener

LHG prices its service call fees between $65 and $125. It determines your service call fee based on your home’s size, type, and location and your plan selections.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

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

Homeowners can pull quotes for Liberty Home Guard through its customer support line or with its online tool. The LHG tool requires your name, phone number, and email address to begin the process. Next, you’ll enter your home address, home type, and whether it’s smaller than 5,000 square feet. You can then switch between monthly and annual premiums to find the best fit for your budget. 

LHG will send one of its in-network service technicians to repair your appliances. If there are no technicians in your area, the company will let you select your own. 

After reading online reviews, we learned that homeowners appreciated the company’s professionalism and quick claims process. However, some customers stated their claims payouts were less than expected.

American Home Shield

Best for Comprehensive Coverage
4.8 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 (AHS) provides comprehensive home systems and appliance protection plans. AHS also includes coverage for rust, corrosion, and sediment damage. Most providers exclude coverage for rust or corrosion.

Why We Chose American Home Shield

We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

Pros and Cons

Pros Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion Sets generous coverage caps (up to $5,000 on built-in systems and $4,000 on appliances with its ShieldPlatinum plan) Cons Charges higher monthly premiums than other providers Doesn’t offer an appliance-only coverage plan Offers less coverage flexibility than most providers with only a few add-on options

Plans and Pricing

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan covers home systems only, such as heating, cooling, plumbing, and electrical systems. The ShieldGold plan covers ShieldSilver items plus cooktops, garbage disposals, and more. The coverage caps for ShieldSilver and ShieldGold are $3,000 per covered item. The ShieldPlatinum plan increases coverage caps to $7,000 per covered item and adds roof-leak coverage and an HVAC tune-up.

American Home Shield offers the following list of add-on coverage options: electronic extended warranty, pool and spa, well pump, septic pump, and guest unit under 750 square feet

American Home Shield allows you to select from a $100 and $125 service call fee. The higher the service fee, the lower your monthly premium will be.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
  • ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

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

Our team received quotes from American Home Shield over the phone and online. The AHS online tool requires your home address, ZIP code, and email address. We were able to switch between the different plan and service fee options, with pricing updating instantly. 

AHS does not let you use your own contractor for service repairs. You must select a service technician from its in-network options. One of our team members has an AHS plan and filed a claim for a leaking bathroom pipe. When he called in, an AHS representative located a local plumber in an hour and scheduled a next-day service appointment. All repairs were completed successfully, and he was only charged the service call fee. 

After reading AHS customer reviews, he discovered homeowners liked the company’s prompt claims processes. The customer service department received mixed reviews, with some homeowners disappointed that their claims reimbursement was lower than anticipated.

Elite Home Warranty

Best for Flexible Coverage
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.

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

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 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.

Select Home Warranty provides budget-friendly home systems and appliance coverage. Select offers appliance-only and systems-only plans. It also offers a combination plan for those who need full coverage. It pairs each plan with $400 roof-leak protection coverage. Other providers list it as an add-on.

Why We Chose Select Home Warranty

It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Offers annual premium discounts on multiyear coverage plans Includes a generous $3,000 coverage limit for HVAC systems Covers additional refrigeration and stand-alone freezers Cons Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors Charges multiple service fees if there are multiple claims at the same time

Plans and Pricing

Select provides three coverage plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan covers major appliances, while the Gold Care plan covers major systems such as your air conditioner and heating system. It pairs each plan with a $75 service call fee. We spoke with a representative who noted the company offers a $60 service call fee if you sign up for a policy over the phone.

Select provides various coverage caps based on the covered item. For instance, it covers air conditioners up to $3,000 per claim. Conversely, it covers clothes washers up to $500 per claim. Select offers stand-alone freezer coverage for those with an additional freezer that needs protection. Other providers typically cover additional refrigerators over freezers.

Select offers the following add-ons: central vacuum, lawn sprinkler system, pool, roof-leak coverage, septic system, spa, stand-alone freezer, sump, and well pump.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

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

During our secret shopping process, we created sample quotes over the phone and through Select’s online quote tool. Surprisingly, you don’t need your home address for the tool. You only enter your name, phone number, email address, and ZIP code. We did learn that Select prefers resolving plan issues and processing claims over the phone. 

In most cases, Select will choose a service technician from its network of contractors. If there are no technicians in your area, the company will let you choose your own. However, Select must approve the choice before the repair process begins. 

Based on online reviews, homeowners appreciated Select’s affordable plan options and simple sign-up process. However, many reviews mentioned issues reaching customer support to file their claims.

AFC Home Warranty

Best for Customization
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.

America’s First Choice Home Warranty (AFC Home Warranty) is another reputable home warranty provider available to Kentucky residents. The provider offers flexible coverage plans and service call fees, plus it includes unique membership perks such as free credit monitoring. AFC Home Warranty is the only provider on this list that allows you to choose your own service provider. This makes AFC Home Warranty a great choice for homeowners who already work with a trusted technician.

Why We Chose AFC Home Warranty

Along with its flexible service call fee model, the variety of plans offered by AFC Home Warranty is ideal for homeowners who want a personalized home warranty package and pricing. AFC Home Warranty also offers a lengthy workmanship guarantee and additional membership perks. Other providers don’t include membership perks within their plans.

Pros and Cons

Pros Adds security perks, including identity protection, credit monitoring, and Emergency Alert Network service Guarantees parts and labor for your membership’s duration Pairs appliances with a $3,000 coverage cap Cons Charges $75 for canceling after the first 30 days Excludes coverage for unknown preexisting conditions Requires claims be submitted immediately after noticing a system or appliance problem

Plans and Pricing

Unlike most providers, AFC Home Warranty offers four coverage plans: Silver, Systems, Gold, and Platinum. The Silver Plan protects home appliances. The Systems Plan protects systems, including water heaters. The Gold Plan combines systems and appliance coverage. The Platinum Plan adds additional coverage to the Gold Plan, such as built-in microwaves and plumbing stoppages. It allows you to choose from a $75, $100, or $125 service call fee. Choosing a lower service call fee increases your monthly premium and vice versa.

Similar to Select Home Warranty, AFC Home Warranty provides various coverage limits per covered item. According to our research, the company provides an unlimited coverage cap for heating and cooling systems. However, it limits ductwork systems to $150 per claim.

For those who want extra protection for their household electronics, AFC Home Warranty offers electronics coverage as an add-on. Most providers don’t offer electronics protection.

AFC Home Warranty offers the following additional coverage options: built-in microwave, central vacuum, double oven, electronics coverage, hot water dispenser, ice maker, in-ground pool, in-ground pool and spa, roof-leak coverage, septic system, stand-alone freezer, sump and well pump

Here are details on each plan offered by AFC Home Warranty:

  • Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
  • Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
  • Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage door openers
  • Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
  • Optional add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair. Based on the quote we pulled, in-ground pool coverage costs $9 per month.

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$34.33–$39.08

$75-$125

$3,000

Systems Plan

$48.50–$53.17

$75-$125

Caps vary by system

Gold Plan

$53.17–$57.92

$75-$125

Systems: varies

Appliances: $3,000

Platinum Plan

$87.75–$92.50

$75-$125

Systems: varies

Appliances: $3,000

What To Expect

AFC Home Warranty provides an easy-to-use quote tool. Where it differs from most providers, however, is its cost page. Unlike other providers, AFC Home Warranty requires clicking on each plan to select your desired service call fee. If you wish to compare the prices of the other plans, you must click on the “Back To Plans” button. Although obtaining a quote is straightforward, comparing plan prices isn’t as efficient as other providers.

We consider AFC Home Warranty’s unlimited workmanship guarantee its best feature. The peace of mind its workmanship guarantee provides makes it a solid choice for those who own older appliances or systems. Additionally, AFC Home Warranty is one of the few providers that allows you to choose your contractor. However, its mixed coverage limits for home systems lower its value from a coverage standpoint.

Our team read dozens of customer reviews to understand how AFC Home Warranty handles customer service. We found mixed reviews. Several customers appreciated AFC Home Warranty’s speedy claims processing. Others disliked the depreciation valuation AFC places on covered items.


How Much Do Kentucky Home Warranties Cost?

The average home warranty costs between $300 and $600 annually. This price doesn’t include the service call fee. Service call fees range between $75 and $125 every time you file a claim.


Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.


What’s Covered Under a Kentucky Home Warranty?

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 Home Warranty in Kentucky?

Having home warranty coverage can help you afford an appliance or system breakdown. You pay a small service call fee instead of hundreds of dollars. A home warranty also means you don’t have to spend time trying to find a contractor to fix your broken item. Your provider likely has 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 additional protection for their first year of homeownership.


Best Home Warranty Company in Kentucky – Our Final Take

Liberty Home Guard and American Home Shield are the best options for Kentucky residents looking for home warranty coverage because they offer generous appliance and system protection.

Select Home Warranty is another solid option for those who need affordable home protection.

Before signing up, we recommend getting quotes from three providers to compare pricing and coverage based on your location. Additionally, read their sample contracts to understand each provider’s exact terms, limitations, and exclusions.


Other Resources for Residents in Kentucky


FAQs

What is a workmanship guarantee?

A workmanship guarantee is when a home warranty company guarantees a completed repair or replacement for a covered item. Suppose your provider repairs or replaces your dishwasher and it breaks down again within your provider’s established workmanship guarantee. In that case, your provider will send a technician again without charging you a service call fee. The industry standard workmanship guarantee is 30 days.

What should I consider before purchasing a home warranty?

There are several things to consider before purchasing a home warranty, such as plan costs, coverage limits and exclusions, the provider’s claims process, the amount of coverage you need, the provider’s contractor network, customer ratings, and when coverage begins. 


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

Find in-depth reviews on the best home warranty companies for each state and major US city 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

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