Expert Advice On Improving Your Home

7 Best Home Warranty Companies in Fort Wayne, IN

Written By David Cusick

Last Updated February 2024

Homeownership in Fort Wayne can be exciting for many, but it also comes with its fair share of difficulties. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty in Fort Wayne can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.

Finding the best home warranty on the market can be time-consuming, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and put together a list of the top home warranty companies in Fort Wayne for you.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 7 Best Home Warranty Companies in Fort Wayne

Liberty Home Guard

Very highly rated among customer service reviews

Covers repairs with a 60-day workmanship guarantee

Extensive list of 20+ add-on coverages

Easy claims process

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard is the most trustworthy home warranty for Fort Wayne residents. Liberty has been on the market for over 6 years, making it a respected company in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.

The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.

For more information, read our Liberty Home Guard full review. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in washington

Choice Home Warranty is the best overall home warranty for Fort Wayne residents. Choice has been on the market for over 15 years, making it a respected company in the industry. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.

For more information, read our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

Low service fees compared to other home warranty providers

Two months of free coverage

Has an appliance-only, systems-only, and combo plan option

90-day repair guarantee

Has a $75 cancellation fee

Low coverage caps

Select Home Warranty is the most cost-effective home warranty for Fort Wayne residents. Select has been on the market for over 11 years, making it a respected company in the industry. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.

For more information, read our Select Home Warranty full review. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in alaska

American Home Shield is the most customizable home warranty for Fort Wayne residents. AHS has been on the market for over 26 years, making it a respected company in the industry. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.

The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.

For more information, read our American Home Shield full review. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

Established company with a bbb accreditation

Doesn’t have a coverage cap on heating, cooling, or ductwork

24/7 service calls available

Offers replacement of some covered items that are too damaged to repair

Doesn’t let customers choose their own contractor

According to some customer reviews, the technical jargon in contracts is confusing

First American Home Warranty is the best home warranty for appliance coverage for Fort Wayne residents. First American has been on the market for over 39 years, making it a respected company in the industry. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.

The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500 at the maximum.

For more information, read our First American Home Warranty full review. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.

Basic Plan

Premier Plan

Service fee: $85.00 Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00 Monthly cost: $48.50
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing system , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Vacuum , Water heater , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in hawaii or alaska

Cinch Home Services is the home warranty with the best workmanship guarantee for Fort Wayne residents. Cinch has been on the market for over 44 years, making it a respected company in the industry. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.

The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.

For more information, read our Cinch Home Services full review. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the better business bureau (bbb)

Only 2 plan options

The Home Service Club is the best home warranty with the quickest service for Fort Wayne residents. HSC has been on the market for over 15 years, making it a respected company in the industry. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.

For more information, read our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Fort Wayne

Home Appliance Repair Cost
Air Conditioner $5,824
Heating $3,882
Electrical $582
Toilets $485
Washer/Dryer $776
Plumbing $582
Oven $1,553
Fridge $582

How Does a Home Warranty Work?

A home warranty is a protection plan that helps Fort Wayne homeowners cut the costs of appliance and system repairs. The plans provide coverage to fix or replace appliances and systems that break down due to normal wear and tear.

When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover many home systems and appliances. Warranties usually cover appliances such as refrigerators, microwaves, dishwashers, dryers, washers, garbage disposals, and more. Covered systems include plumbing, heating, electrical, and air conditioning. Many home warranty providers also offer additional coverage for locksmiths, roof leaks, septic systems, and central vacuums. It's important for Fort Wayne homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, natural disasters, cosmetic issues, or improper use of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.

Key Home Warranty Terms to Know

Before agreeing to a home warranty contract, you should know key terms like:

  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
  • Service fee: The out-of-pocket cost per claim that you pay for contractor access and repair coverage.
  • Deductible: The amount you pay toward a covered repair before the warranty covers the rest. Some plans have per-claim or yearly deductibles.
  • Trade call fee: An added fee that you'll sometimes need to pay for appliance-related claims.
  • Claim approval: The process by which your provider determines whether a requested repair or replacement is covered under your warranty.
  • Coverage limits: The maximum dollar amount that your warranty provider will pay for certain repairs or replacements. Check your contract's limits on repairs for things like roof leaks, air conditioning units, and appliances.
  • Endorsements: Optional add-on coverage for systems such as well pumps, pools, septic and more. Endorsements typically come with an additional fee.
With these important details in mind, you'll be able to understand pricing and choose a home warranty customized to protecting your most essential home systems. When getting a quote, make sure you review coverage details with potential providers to help avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several important factors to consider when choosing a home warranty provider:

Coverage Options

Home warranty coverage varies, although most plans cover plumbing, AC, electrical, heating, and appliances. More comprehensive options may also provide protection for other things such as roof leaks, well pumps, pools, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. Flexibility like this will help you customize protection for your home's needs.

Service Fees

With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.

Reputation

A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about companies. Positive feedback and ratings suggest a company known for quality service.

Contractor Network

Home warranty providers maintain networks of local technicians to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Fort Wayne and get an idea for how fast your repairs could take place in an emergency situation. Larger networks improve the likelihood of getting qualified contractors to promptly service your home.

Added Benefits

Some home warranty companies include perks such as energy efficiency upgrades, reduced maintenance fees, and smart home device coverage. These can offer extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.

Is a Home Warranty Worth it in Fort Wayne?


Benefits of a Home Warranty

Since temperatures in Fort Wayne can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.

Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles this process by sending trusted professionals to your door when you need them most. Additionally, though it varies by company, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.

Downsides of a Home Warranty

Home warranties also have some downsides. Although it can give you less to worry about since the home warranty sends out a contractor who carries out the repair for you, some may not like this, and they would rather choose their own contractor. If that’s important to you, some home warranty plans allow you to select a contractor.

Another possible pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Fort Wayne, IN

A home warranty in Fort Wayne can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also reduce your up-front costs when you agree to a higher service fee.

Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects your entire home from natural disasters, which can sometimes be a concern in Fort Wayne. It doesn't cover a typical appliance or system damage.

First-time homebuyers, landlords, homeowners, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.

A home warranty can cover your appliances, systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.

Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.

In general, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Fort Wayne, where the median home value is $219,437, having the seller pay for the home warranty can save you some money on your new home.

Other Fort Wayne, IN Home Services