Best Home Warranty Companies in Kentucky

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.

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.

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
  
• Select Home Warranty: Best Value
• America’s First Choice Home Club: Best for Customization
• First American Home Warranty: Best Appliance 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.

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.

Lifespan and repair cost data sourced from InterNACHI and Home Depot

Liberty Home Guard

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. 

Our team utilized LHG’s live chat feature on its website to analyze its customer service. LHG is the only provider on this list that offers live chat. A representative connected with us in less than a minute and answered our questions thoroughly.

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 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

Learn more: Liberty Home Guard Review

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. Most providers exclude coverage for rust or corrosion. 

We found American Home Shield’s online quote process very simple to use. First, it asks for your email and your home address. Then, it displays its plans and pricing options clearly. It allows you to customize your monthly premium by selecting from its $100 or $125 service call fee options located on the left of the quote screen.

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’s the monthly cost of each plan if you choose a $100 service fee:

• ShieldSilver: $54.99 per month
• ShieldGold: $64.99 per month
• ShieldPlatinum: $79.99 per month

Learn more: American Home Shield Review

Select Home Warranty

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. 

Our team analyzed hundreds of Trustpilot reviews to understand how consumers felt about Select’s customer service. Many appreciated Select’s streamlined sign-up process. Others had trouble with Select’s claims process.

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 is the monthly cost of each plan with its standard $75 service call fee:

• Bronze Care: $44.42 per month 
• Gold Care: $44.42 per month
• Platinum Care: $47.75 per month

Fill out Select Home Warranty’s quote form or call 888-370-3956 for your free quote.

Learn more: Select Home Warranty Review

America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) 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 Club is the only provider on this list that allows you to choose your own service provider. This makes AFC Home Club a great choice for homeowners who already work with a trusted technician.

Plans and Pricing

Unlike most providers, AFC Home Club 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 Club 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 Club offers electronics coverage as an add-on. Most providers don’t offer electronics protection.

AFC Home Club 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 is the monthly cost of each plan with a $75 service call fee:

• Silver Plan: $42.83 per month
• Systems Plan: $50.08 per month
• Gold Plan: $57.33 per month
• Platinum Plan: $62.17 per month

Fill out AFC Home Club’s quote form or call 877-755-1115 for your free quote.

Learn more: America’s First Choice Home Club Review

First American Home Warranty

First American Home Warranty is our final provider recommendation. Like American Home Shield, First American offers generous system and appliance coverage limits and flexible service call fees. In addition, the company includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade covers miscellaneous fees that providers normally exclude, such as appliance and system removal fees. 

Our team used First American’s online quote form to pull cost information. You must input extra information alongside your home address before obtaining a quote, such as your first and last name, phone number, and a rough estimate of your home’s square footage.

Plans and Pricing

First American offers three plans: Starter, Essential, and Premium. The Starter and Essential plans cover various home systems and appliances, such as refrigerators and plumbing systems. The Premium Plan adds additional coverage options, such as luxury appliance coverage and window air conditioning units. The company also offers three service call fees. You can choose from $75, $100, and $125. The higher your service call fee, the lower your monthly premium.

Note that First American excludes air conditioning coverage in its Starter Plan. Instead, you can purchase it as an add-on. The company includes air conditioning coverage in its Essential and Premium plans. 

The following items are available as add-ons: additional refrigeration, central air conditioning, First American Advantage upgrade, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank pumping and system, water softener, well pump

Here is the monthly cost of each plan with a $75 service call fee:

• Starter Plan: $60 per month
• Essential Plan: $70 per month
• Premium Plan: $85 per month

Fill out the First American Home Warranty quote form or call 800-891-9778 for your free quote.

Learn more: First American Home Warranty 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 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.

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.