Best Home Warranty Companies in Kentucky (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 13 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. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Kentucky’s Top 5 Home Warranty Companies
The highest-rated Kentucky home warranty companies include the following:
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
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#1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | #5 out of 13 companies | |
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 |
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Cons |
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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 | Labor Day Sale: 50% OFF Select Plans | $150 off + 30-day free trial | Use code HOUSE25 for $150 off + 2 months free | Labor Day Sale: 30% Off All Plans |
Rating Categories |
Liberty Home Guard | American Home Shield | Elite Home Warranty | Select Home Warranty | AFC Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Company | BBB Rating | Monthly Cost in KY | Service Fee | Visit Site |
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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 |
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.
Reviews of the Best Kentucky Home Warranties
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.
Appliance | Average Repair Cost | Average 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?
A 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
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.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.