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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Owning a home in Indiana comes with its fair share of repairs and maintenance. From snowy winters to hot, humid summers, Hoosier State homes can see some extreme weather. Many homeowners in Indiana get a home warranty to protect themselves from costly repairs and replacements.

But with so many options, narrowing down the best ones can be difficult. To make it easier, we've compiled a list of the best home warranty companies in Muncie, Indiana.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Muncie

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Muncie

  • Average Max Temperature:
    59°F
  • Average Min Temperature:
    44°F
  • Average Annual Snowfall:
    20.7”
  • Homeownership Rate:
    63%
  • Median Home Size:
    1,775 sqft
  • Median Home Price:
    $133,849

Are Home Warranties Worth It for Muncie Residents?

Home warranties are advantageous for Muncie residents. Muncie can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.

Winters in Muncie are very cold, meaning you rely on your heating system often. HVAC system replacement can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies across the nation.

The regular rain in Muncie can cause damage to your roof. Some home warranty companies offer limited roof-leak protection, which can mitigate the cost of roof repair.

Lastly, your home warranty will connect you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty provider can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about the following factors when selecting the right home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home. From this we determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 whenever you file a claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans tend to cost more than appliance plans. Most plans give you the option of getting add-on coverage options for an additional monthly cost. Consider your particular needs before purchasing a plan.

Coverage

Many home warranty providers offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use most often before choosing a plan. If you only want coverage for certain major systems (like heating) or certain appliances, you can find a plan that meets your needs. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider coverage limits. Homeowners with older appliances or systems may opt for a provider with higher coverage limits. According to our research, companies with higher coverage caps typically charge higher premiums.

Exclusions

Home warranties usually only cover damage from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies will also not cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline exclusions and limitations in their service contracts. Make sure you read yours carefully to fully understand the terms and conditions of your plan.

Provider Reputation

You should also consider provider reputation. You can also read customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Ratings and reviews can show you how providers handle customer service and claims. Check with the Indiana Consumer Protection Division to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Your company should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. If you can, use a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you'll need the option to source your own.

Frequently Asked Questions about Home Warranty in Muncie

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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