Best Home Warranty Companies in Kentucky

By Jesus Sanchez Garcia Updated January 4, 2024

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Due to Kentucky’s hot summers and high humidity, your home’s air conditioning system may wear down quickly. A home warranty provides solid protection for air conditioners and other major home systems and appliances. If your HVAC system breaks down or your electrical system malfunctions, your provider will send a licensed contractor out to fix it—and you’ll only have to pay your set service call fee. Our team reviewed the best home warranty companies nationwide and rounded up the top providers in Kentucky below.


The Top 5 Home Warranty Companies in Kentucky

We compared more than five key factors before choosing the best Kentucky home warranty providers, including plan coverage, costs, service call fees, and service contracts. Based on our research, we recommend the following companies:

The cost data displayed in this article is a national average based on the 120 sample quotes we requested. We used a 2,000-square-foot, single-family home for our quotes. Your cost may vary based on your coverage and your home’s size, type, and location.


American Home Shield

Best for Extensive Coverage

American Home Shield

Best for Extensive Coverage
4.9
At a Glance
BBB Rating: B
Monthly Cost: $40–$80
Service Fee: $100–$125
Phone: (844) 804-5378

Liberty Home Guard

Best Add-On Variety

Liberty Home Guard

Best Add-On Variety
4.5
At a Glance
BBB Rating: NR
Monthly Cost: $49–$60
Service Fee: $65–$125
Phone: 866-452-9107

Select Home Warranty

Best Budget Coverage

Select Home Warranty

Best Budget Coverage
3.9
At a Glance
BBB Rating: B
Monthly Cost: $44–$48
Service Fee: $65–$75
Phone: 888-370-3956

AFC Home Warranty

Best Membership Perks

AFC Home Warranty

Best Membership Perks
4.4
At a Glance
BBB Rating: B
Monthly Cost: $44–$97
Service Fee: $75–$125
Phone: 877-755-1115

Cinch Home Services

Best Coverage Variety

Cinch Home Services

Best Coverage Variety
4.4
At a Glance
BBB Rating: B+
Monthly Cost: $45–$61
Service Fee: $100–$150
Phone: 844-979-0899

Home Warranty Regulations in Kentucky

According to our research, Kentucky doesn’t have a clear regulatory body for home warranties. If you own a home warranty and believe your provider is neglecting its contractual obligations, you can file a complaint with Kentucky’s Department of Insurance.

In states lacking government oversight, organizations such as the National Home Service Contract Association (NHSCA) regulate home warranties. This organization is an industry-related entity that oversees member companies. Arthur Chartrand, who is of counsel to the NHSCA, says the organization provides access to a member company directory for homeowners in search of a reputable home warranty provider.


Do Home Warranties Cover New Constructions?

Home warranties do cover new home constructions. However, pairing a home warranty with a newly built home sometimes doesn’t make sense. Most states require home builders to guarantee the workmanship and materials used to build the home. Home builders must also guarantee the installation of built-in systems. Chances are, the new home has new appliances, too. New appliances and systems typically have manufacturer’s warranties. Therefore, owning a home warranty would be redundant during the manufacturer’s warranty period.

However, we do recommend considering a home warranty once the manufacturer’s warranty expires. Otherwise, you’ll be responsible for paying the full cost to repair or replace your home’s essential systems and appliances.


Our Recommendation

Our team recommends American Home Shield due to its comprehensive air conditioning coverage and flexible service call fees. We also recommend Liberty Home Guard for its 60-day workmanship guarantee, which is twice as long as the industry average. Select Home Warranty is another good choice for those looking for roof-leak coverage. Before signing up, we recommend reading the sample contracts of at least three providers to understand their exact terms, exclusions, and limitations.


Kentucky Home Warranty Companies FAQ

When should I purchase a home warranty for a new home in Kentucky?

You can purchase a home warranty for your home at any time in Kentucky. However, most providers have a holding period of 30 days before activating coverage and won’t repair items that were broken before you signed up for a plan. We recommend purchasing a home warranty before your closing date to ensure coverage when you move in.

What are the most common add-ons offered by home warranties?

Generally, each provider offers their own list of add-on options. However, the most common add-ons consist of the following: additional refrigeration, pool and spa, roof-leak coverage, septic systems, sump pumps, and well pumps.

Are home warranties worth it on older homes?

Yes, a home warranty is worth considering for an older home. Older homes typically have aged appliances and home systems, which are more likely to break down from wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude coverage for these.

What is a preexisting condition?

A preexisting condition is a previous malfunction a home system or appliance has experienced before coverage begins. Many providers do not cover preexisting conditions. Therefore, you should purchase a home warranty policy while all your systems and appliances work for complete protection.

 


 

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.