Best Home Warranty Companies in Indiana (2024)

By Jesus Sanchez Garcia Updated January 29, 2024

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No one wants to spend hours on the phone trying to find a local contractor when one of their home’s systems or appliances malfunctions. Home warranties give homeowners convenient access to a wide network of local and licensed contractors specializing in home repairs for essential kitchen appliances, HVAC units, and more. 

Our review team has conducted in-depth research on more than 35 home warranty providers, including comparing sample contracts, combing through customer reviews, and requesting quotes. We’ve narrowed it down to the three best home warranty companies to help you streamline your decision-making process.


Indiana’s Top Home Warranty Companies

The following are the best home warranty companies in Indiana: 

Note: All pricing information used in this article is based on a quote for a single-family home in Zionsville, Indiana (a suburb of Indianapolis).


Compare Indiana’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Plans

American Home Shield (AHS) offers three comprehensive coverage options for Indiana homeowners. ShieldShield covers your home’s major built-in systems, including your air conditioning and plumbing systems. ShieldGold covers all the items in the ShieldSilver plan plus 10 essential appliances, such as your cooktop, clothes washer and dryer. ShieldPlatinum applies to all the covered items in the ShieldGold plan plus a discounted HVAC tune-up, roof-leak protection, and other benefits.

ShieldSilver ($34.99 to $49.99 per month): This plan covers major systems, including your air conditioners, attic fans, built-in exhaust, ceiling fans, chimes, doorbells, ductwork, faucets, garage door openers, heating units, interior electrical lines, interior plumbing lines, main breaker/fuse panel box, toilets, valves, vent fans, water heaters, and whirlpool tub components. 

ShieldGold ($44.99 to $59.99 per month): This plan covers all the items in the ShieldSilver plan plus appliances, such as your built-in microwave, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, instant hot/cold water dispensers, oven, range, and refrigerator. Appliances are covered up to $3,000 per item.

ShieldPlatinum ($64.99 to $79.99 per month): This plan covers all the items in the ShieldGold plan plus a few additional benefits, such as roof-leak protection up to $1,500, code upgrades, a discounted HVAC tune-up, and unlimited AC refrigerant. This plan covers up to $6,000 per appliance.

Read More: American Home Shield Review


Liberty Home Guard

Plans

Liberty Home Guard’s home warranty plan options are standard for the industry. As the names suggest, Appliance Guard covers appliances, while Systems Guard covers built-in systems. Total Home Guard combines the coverage of the two earlier plans into one comprehensive package. According to the service contract, each covered item has a coverage limit of $2,000. 

Appliance Guard ($49.99 per month): This plan covers appliances, including your built-in microwave oven, ceiling fans, clothes dryer, clothes washer, cooktop, dishwasher, exhaust fans, garage door openers, garbage disposal, oven, range, and refrigerator.

Systems Guard ($54.99 per month): This plan covers major home systems, including your air conditioning, ductwork, electrical, heating, plumbing, and water heaters

Total Home Guard ($59.99 per month): This plan covers all the items in the two earlier plans.

You can choose from more than 35 additional coverage items, including pro-series appliances, typically excluded from many appliance plans.

Read More: Liberty Home Guard Review


AFC Home Warranty

Plans

AFC Home Warranty offers four plan options and the longest workmanship guarantee of any provider on this list. You can choose a single-year plan or a three-year plan. In either case, any home repairs completed by an AFC service provider can be reserviced without paying another service call fee. According to the service contract, appliances can be covered up to $3,000, while its coverage limits for systems vary depending on the item.

You can compare AFC Home Warranty’s home warranty plans below:

Silver Plan ($35 to $40 per month): This plan covers your clothes dryer, clothes washer, cooktop, dishwasher, garage door opener, garbage disposal, kitchen refrigerator, oven, range, and stove.

Systems Plan ($42.50 to $47.50 per month): This plan covers air conditioners, electrical, heating, plumbing systems, and water heaters

Gold Plan ($50 to $55 per month): This plan combines the Systems and Silver plans into one comprehensive package.

Platinum Plan ($55 to $60 per month): This plan includes all the covered items in the Gold Plan plus built-in microwaves, built-in fans, faucets, and ice makers.

Read More: AFC Home Warranty Review


Our Recommendation

Peace of mind can be hard to come by as a homeowner dealing with home-maintenance issues, but a home warranty can help you prepare for unexpected home repairs. We recommend requesting a free quote from your top three provider options to compare their sample agreements and review their coverage options as they apply to your home. 

We recommend American Home Shield for homeowners who want the reliability of a company with decades of experience and comprehensive policies that cover more items than its competitors. AHS also covers items that have been damaged due to rust and corrosion as well as unknown preexisting conditions. In addition, its flexible service call fee model allows you to customize your monthly fee.  

Liberty Home Guard’s standard base policies make it easy to decide the best plan for your needs and then customize it with more than 35 add-on options. 

Finally, AFC Home Warranty’s flexible service call fee model and plan-length workmanship guarantee make it an excellent option for homeowners who don’t want to worry about staying within the typical 30-day window.


Frequently Asked Questions

What does a home warranty plan generally cover in Indiana?

Home warranties generally cover the cost to diagnose, repair, and replace your home’s essential systems and appliances, such as your water heater, HVAC unit, clothes washer, clothes dryer, garbage disposal, and electrical system. Home warranty companies typically offer between two and three plan options. Lower plan tiers typically cover home appliances or built-in systems, whereas the more comprehensive combination plans cover both.

When should I purchase a home warranty for my new Indiana home?

Whether you’ve recently purchased a new home or you’ve owned your home for a while, it’s always a good time to enroll in a home warranty. Home warranties don’t exclude appliances or built-in systems based on age, but they stipulate that all covered items are properly maintained according to the manufacturer’s instructions. You can cover any major system or appliance that’s aged out of its manufacturer’s warranty.

What is the difference between a home warranty and home insurance?

The difference between a home warranty and home insurance comes down to what each policy covers. Home insurance covers structural repairs, liability, and personal property loss in a perilous event, such as a fire, weather emergency, theft, or vandalism. A home warranty covers the repair and replacement of major home systems and appliances when they break down due to normal wear and tear.


 

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.