Investing in a Kentucky home warranty can provide peace of mind and help you pay for your systems and appliances when they break down due to normal wear and tear. Additionally, having a home protection plan saves time from tracking down a trusted contractor to do the repair work for you.

The This Old House Reviews Team made your home warranty search easier by narrowing down the best home warranty companies to choose from nationwide. Keep reading this review to learn more about the top providers in your state.

Kentucky’s Top 2 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.


Liberty Home Guard

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

Plans & Pricing

LHG offers three plans to homeowners—Appliance Guard, System Guard, and Total Home Guard. Appliance Guard protects nine appliances, including a washer, dryer, refrigerator, and dishwasher. System Guard covers your air conditioning, heating, ductwork, electrical, plumbing, and water systems. Total Home Guard combines those two plans for comprehensive coverage.

LHG has over 30 add-on options to customize your plan. A few include: Re-key, water softener, swamp cooler, ejector pump, grinder pump, lawn sprinkler system, pest control, limited roof leak

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

Here are monthly cost estimates for LHG’s plans:

  • Appliance Guard: $49.99 per month
  • System Guard: $54.99 per month
  • Total Home Guard: $59.99 per month
For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Learn more: Liberty Home Guard Review


American Home Shield

American Home Shield (AHS) provides comprehensive home systems and appliance protection plans. In addition, AHS approved claims worth more than $2 billion throughout its tenure. AHS partners with over 15,000 contractors nationwide to fulfill claims, whether you live in a city or in rural locations.

Plans & Pricing

AHS offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver covers home systems only, such heating, cooling, plumbing, and electrical systems. The ShieldGold covers all of the ShieldSilver plan and adds coverage for appliances. The ShieldPlatinum plan increases coverage caps, includes roof leak coverage, and a free HVAC tune-up.

American Home Shield provides a 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 allow you to select from a $75, $100, or $125 service call fee. The higher the service fee, the lower your monthly premium will be.

Here’s the monthly cost of each plan if you choose a $75 service fee:

  • ShieldSilver: $54.99 per month
  • ShieldGold: $64.99 per month
  • ShieldPlatinum: $79.99 per month
For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

Learn more: American Home Shield Review


Our Conclusion

Liberty Home Guard and American Home Shield are the best options for Kentucky residents looking for home warranty coverage because they offer standard appliance and system protection at affordable pricing. Before zeroing in on one home warranty company, get a quote from both providers to compare pricing based on your location.


Frequently Asked Questions


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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