Our team chose American Home Shield as the best home warranty company in Kentucky for its comprehensive coverage, including items with existing issues. We also recommend Choice Home Warranty for its systems and appliance coverage, with two combination plans priced under $70 per month.
Kentucky’s hot summers and chilly winters can wear down your home’s HVAC system, plumbing, and appliances. A home warranty helps cover repair costs, so you’re not stuck paying out of pocket if something breaks. To simplify your search, we reviewed 13 top home warranty providers and selected the best options for the state. Keep reading this review to learn more about our top picks.
Key Takeaways
- American Home Shield is our top pick for a Kentucky home warranty, which aligns with our 2025 survey results, in which 22% of state residents also chose the provider.
- In Kentucky, a home warranty costs $43–$84 per month, or $506–$989 annually.
- Our survey of 2,000 home warranty users found that 37% of Kentucky homeowners prioritized heating or furnace systems coverage when selecting a plan.
Kentucky’s Top 5 Home Warranty Companies
The highest-rated Kentucky home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing the Best Home Warranty Companies in Kentucky
When selecting the best home warranty companies in Kentucky, we evaluated coverage plans, monthly pricing, Better Business Bureau (BBB) ratings, and other key factors. The table below highlights how our top picks compare across some of these factors.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
A+ | $57–$68 | $65–$125 | ||
B- | $44–$48 | $60–$75 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $44–$82 | $75–$125 |
Note: We gathered pricing data by averaging sample quotes for single-family homes under and over 5,000 square feet across all 50 U.S. states to provide accurate pricing. Your cost may vary based on location, home size, type, and plan choices.
BBB ratings are accurate as of March 2025.
Reviews of the Best Kentucky Home Warranties
Read our detailed reviews of the top Kentucky home warranty companies.
American Home Shield
American Home Shield (AHS) provides comprehensive home systems and appliance protection plans. AHS also includes coverage for rust, corrosion, and sediment damage, which most providers exclude.
Why We Chose American Home Shield
American Home Shield plans offer extensive coverage at all levels, with generous protection for key systems and appliances. They also cover preexisting conditions, meaning issues that existed before coverage began, making them a good option for Kentucky homeowners with older items.
Pros and Cons
Pros
- Includes coverage of up to $4,000 for appliances and $5,000 for systems
- 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
Cons
- 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 $2,000 for home appliances and $5,000 for systems. The ShieldPlatinum plan increases appliance caps to $4,000 per covered item and adds roof-leak coverage and an HVAC tune-up.
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 ($25 per month): Covers home systems only, including HVAC, electrical, and ductwork
- ShieldGold ($35 per month): Covers major systems and appliances, such as cooktops, stoves, and clothes washers and dryers
- ShieldPlatinum ($100 per month): Offers ShieldGold protection, plus coverage for free HVAC system tune-up and up to $1,000 for roof-leak repairs
- Optional add-ons: Electronics, pools and spas, guest units, roof leaks, septic pumps, and well pumps
Our Experience with American Home Shield
Our American Home Shield tester submitted a claim for a leaky bathroom pipe. After completing the online claim, he received confirmation via text and email within five minutes. Shortly after, a local contractor called to schedule a next-day appointment. The technician arrived early and completed the repairs within two hours. Our tester was pleased with the results and only paid the service call fee for the repair.
Choice Home Warranty
Choice Home Warranty offers combined systems and appliance coverage at a lower price than many other providers we’ve reviewed. Its plans, priced under $70 per month, are more affordable than comparable coverage from American Home Shield and First American Home Warranty.
Why We Chose Choice Home Warranty
Along with affordable baseline plans, the company also provides consistent $3,000 coverage limits. Some providers vary coverage limits per item, which some customers may find confusing when determining their exact coverage levels. Having consistent caps can simplify your coverage by offering clarity throughout your contract.
Pros and Cons
Pros
- Extends a 60-day guarantee for labor and 90 days for parts
- Offers comprehensive appliance and systems protection for under $70 per month
- Provides $3,000 coverage limits for most key items
Cons
- Doesn’t include air conditioning, laundry appliances, or refrigerators under its lowest plan
- Has an ongoing lawsuit with the Arizona Attorney General
Plans and Pricing
Choice Home Warranty offers two plans for Kentucky homeowners: the Basic Plan and the Total Plan. While reviewing the Choice Home Warranty sample contract, we noticed the Basic Plan excludes coverage for key items, including air conditioning, clothes washers, clothes dryers, and refrigerators. You’ll need to upgrade to the Total Plan to receive coverage for these items. Choice Home Warranty offers just one service call fee option of $100. Unlike other providers, Choice doesn’t offer the flexibility to customize your costs.
Here are details on Choice Home Warranty plans and monthly pricing:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as electrical, ovens, and cooktops
- Total Plan ($67 per month): Covers eight systems and 10 appliances, adding air conditioning, clothes washers and dryers, and refrigerators
- Optional add-ons: Up to 10 options, including additional spas, septic tank pumping, well pumps, central vacuums, and second refrigerators
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester has filed several claims with the company, but service quality and timing have been inconsistent. Some contractors resolved issues quickly, while others required multiple visits or left problems unresolved. For example, air conditioning repairs took one day, while a freezer repair took three appointments and three contractors. Appointment scheduling also varied greatly, with wait times ranging from one day to a month.
Elite Home Warranty
We recommend Elite Home Warranty for Kentucky homeowners who want flexible premiums and coverage. The company offers three base plans and a fully customizable option, allowing you to create a plan that fits your needs perfectly.
Why We Chose Elite Home Warranty
Elite Home Warranty offers more flexibility with coverage plans, pairing four plan options with over 30 add-ons. This allows homeowners to customize their coverage to meet specific needs and avoid paying for unnecessary services. Whether you want to cover a pool, sump pump, or additional appliances, Elite’s extensive add-on options make it possible to get the protection you require.
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
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.
The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls after hours or on weekends.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems.
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 options, including pools, generators, lawn sprinkler systems, and sewer lines
Our Experience with Elite Home Warranty
Our team member tested Elite Home Warranty’s claim process for a broken high-end dishwasher. After submitting the claim online, he received a call from a claims specialist within 30 minutes and scheduled a next-day appointment. The technician initially arrived but discovered the required parts were out of stock, leading to a follow-up visit the following Monday. Once the parts arrived, the technician completed the repair in about an hour.
First American Home Warranty
First American Home Warranty offers the highest appliance coverage limits in this review, with plans covering up to $7,000 per item. This makes the company a good choice for owners of homes with high-end appliances.
Why We Chose First American Home Warranty
The company also doesn’t impose coverage limits on most systems, which benefits homeowners with complex systems or those who need frequent repairs. You can also add the First American Advantage upgrade to protect items damaged by improper modification and installations.
Pros and Cons
Pros
- Doesn’t include coverage limits for most home systems
- Includes up to $7,000 in appliances coverage under its highest plan
- Offers the First American Advantage upgrade for additional damage coverage
Cons
- Doesn’t offer system-only or appliance-only plans options
- Excludes some key items from its lowest plan
Plans and Pricing
First American Home Warranty offers three plan options: the Starter Plan, Essential Plan, and Premium Plan. After reviewing the company’s sample contract, we found all of its plans provide comprehensive coverage for both systems and appliances. This means the company lacks options if you’re looking for coverage focused only on appliances or only on systems. The Starter Plan also excludes coverage for air conditioning, clothes washers, clothes dryers, and water heaters. Although you can add central cooling coverage with an add-on, you must move to the Essential or Premium Plan to cover the other items, which costs more.
You can add the First Advantage upgrade to either the Essential or Premium plan at no additional cost. Additionally, you can choose between a $100 or $125 service call fee. Opting for the lower fee will increase your monthly costs.
Here’s a breakdown of First American Home Warranty’s plans and monthly cost:
- Starter Plan ($70 per month): Covers eight appliances and four systems, such as built-in microwaves, heating systems, and garbage disposals
- Essential Plan ($93 per month): Covers 11 appliances and four systems, including air conditioning, water heaters, and clothes washers and dryers
- Premium Plan ($123 per month): Includes Essential Plan coverage, plus window air conditioner units, garage door components, instant hot water dispensers, and shower heads
- Optional add-ons: Up to nine add-ons, including additional refrigeration, HVAC tune-ups, septic systems, and well pumps
Our Experience with First American Home Warranty
Our First American Home Warranty tester submitted a claim for a broken garage door opener, finding the process quick and easy. After submitting the claim online, he received immediate confirmation and contractor details via text. The contractor scheduled an appointment for the following Monday and arrived on time to complete the repair in 20 minutes. The tester was pleased with the service and only paid the service call fee.
AFC 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, which can benefit 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
- Lets you choose your own repair technician
Cons
- Includes a depreciation policy that reduces claim payouts for older items
- 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, Gold, Platinum, and Diamond. The Silver Plan protects appliances only. 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. You can choose from a $75 or $125 service call fee. Choosing a lower service call fee increases your monthly premium and vice versa.
After reading the AFC Home Warranty sample contracts, we learned that the company provides various coverage limits per covered item. According to our research, the company provides an unlimited coverage cap for heating and cooling systems and water heaters. However, it limits ductwork systems to $150 per claim.
Here are details on each plan offered by AFC Home Warranty:
- Silver Plan (Call for a quote): Covers nine appliances, including cooktops, garage door openers, and kitchen refrigerators
- Gold Plan ($44 per month): Covers nine appliances and six home systems, including air conditioning, heating, and plumbing
- Platinum Plan ($51 per month): Covers 10 appliances and nine home systems, such as built-in microwaves, plumbing stoppages, and faucets
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight options, such as electronics, in-ground pools, roof-leak coverage, sump pumps, and well pumps
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a toilet that wouldn’t fill and found the online submission process straightforward, taking only about five minutes. Although the provider communicated frequently through phone calls and text messages, the tester found the texts excessive. While the first contractor’s repair didn’t fix the issue, a second contractor quickly resolved it. Despite the process taking about a week and a half, our tester was pleased with the result and didn’t have to pay for the second repair.
How Much Do Kentucky Home Warranties Cost?
Kentucky home warranties typically cost $43–$84 per month, or $506 to $989 annually, depending on coverage, provider, and add-ons. Nationwide home warranty costs are slightly higher, ranging from $47–$82 per month, or $564–$984 per year. Basic plans cover essential systems, while comprehensive plans, including HVAC and plumbing systems, cost more.
Homeowners also pay a service call fee, typically $75–$125 per visit. Some providers offer flexible options, allowing homeowners to choose a higher fee for a lower premium or vice versa. When comparing plans, consider both upfront and out-of-pocket costs to find the best value.
What’s Covered Under a Kentucky Home Warranty?
A home warranty covers repairs or replacements if major systems and appliances break down due to normal wear and tear. Most providers offer three main protection plans: systems-only, appliance-only, and comprehensive. The systems-only plan covers essential systems like your HVAC, plumbing, electrical, and water heaters, while the appliance-only plan focuses on appliances, such as refrigerators, dishwashers, and washers and dryers.
The comprehensive plan combines coverage for both systems and appliances, offering full protection. Homeowners can choose the plan that fits their needs and budget, with some providers offering customizable add-ons for extra coverage.
Home Warranty Benefits in Kentucky
Having home warranty coverage can help you better afford an appliance or system breakdown. If the issue is covered, you will pay a small service call fee instead of hundreds of dollars in unexpected repair bills. 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 and will find a contractor to fix the issue.
Additionally, if you plan on selling your home in the near future, a warranty can make it more marketable to potential buyers by offering additional protection for the first year of homeownership.
Other Resources for Residents in Kentucky
FAQs About Home Warranties in Kentucky
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.
Our Rating Methodology
We developed a detailed rating methodology to objectively evaluate home warranty providers. We gathered valuable insights by engaging with company representatives, requesting quotes, reviewing sample contracts, and conducting homeowner surveys. We also tested 11 home warranty providers firsthand and conducted secret shopping.
This information allowed us to rate providers across six major comparison categories that are key to selecting the right home warranty provider. After scoring each factor, we totaled the points to 100 and converted the final score into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We assessed how well providers cover various systems and appliances, focusing on standard and unique items. Providers with extensive coverage options and high annual limits scored higher.
- Cost: We compared providers based on average monthly prices and service fees, ranking those with affordable options higher. We gave more points to companies that didn’t charge additional surcharges.
- Trustworthiness: We reviewed customer ratings across third-party review sites such as Trustpilot and the BBB. Providers with good reputations and longer workmanship guarantees earned higher scores.
- Plan transparency: We examined the clarity of contract terms and website disclosures. Providers that offer straightforward, transparent terms received higher ratings.
- Customer support: We compared each provider’s response times and customer service availability. Companies offering fast responses and multiple ways to file claims scored higher.
- Flexibility: We evaluated the flexibility of each provider’s plans and add-ons. Providers with a wide variety of options and customizable plans earned more points.
