7 Best Home Warranty Companies In Gary, IN
Our guide on the top home warranty plans in Gary can help you select the best one for you.
In Gary, owning a home can be an exciting, yet difficult endeavor. With the cost of living slowly rising, having to repair or replace your appliances can really eat into your budget.
Compare the Best Home Warranty Companies in Gary
Gary has dozens of home warranty providers. At Review Home Warranties, we evaluated each of these providers and ranked them according to the policy's features. The years in the industry, workmanship guarantee, monthly costs, service fees, and customer service reviews were all reviewed to figure out the very best policies in the Gary area. These are the rankings for the top home warranty providers in the Gary area.
| Company Name | Choice Home Warranty | Liberty Home Guard | American Home Shield | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $69.99 - $79.99 | $29.27 - $74.27 | |||
| Better Business Bureau Rating | B | A | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read Liberty Home Guard Reviews | Reviews | Read American Home Shield Reviews |
Home Warranty Companies In Gary
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First Premier Home Warranty: Best Coverage
- First American Home Warranty: Best Appliance
- Cinch Home Services: Best Workmanship Guarantee
Gary's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
Choice Home Warranty is the best choice for homeowners who need the best overall in Gary. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on options.
Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so it's important to ask the company. Service fees are $85. If you want high coverage caps and a contract that's easy to understand, this is the home warranty for you.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View 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. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- 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
In Gary, Liberty Home Guard is the most trustworthy home warranty . The 3 home warranty plans that Liberty has include differing levels of system and appliance coverage, as well as add-on options. Homeowners can choose between Liberty Home Guard's Appliance Guard, Systems Guard, and Total Home Guard and also add-on options.
The coverage caps for Liberty's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are $75. Liberty has established itself as a provider with guaranteed professionalism for every repair and some of the best customer service in the industry.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliance Guard | $69.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer. Appliance Guard Included Item | View 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. Appliance Guard Add On |
| Systems Guard | $74.99 | $75.00 | View Items Covered Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Systems Guard Included Item | View 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. Systems Guard Add On |
| Total Home Guard | $79.99 | $75.00 | View 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. Total Home Guard Included Item | View 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. Total Home Guard Add On |
- Pros:
- 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
American Home Shield has the most customizable home warranty in Gary. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on options.
AHS's service fees range from $70 to $125, and the coverage caps come out to around $2,500 per covered appliance or system. When you purchase a home warranty from AHS, you can look forward to a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View 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. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View 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. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View 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. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- 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
Select Home Warranty offers the most cost-effective home warranty plan for Gary residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. Select Home Warranty's plans are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage caps for Select's plans are close to the $2,000 mark for most major systems and appliances, and service fees are $80. Select has established itself as a company with an affordable service fee and free roof coverage.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
For homeowners who need the best coverage in Gary, homeowners should consider choosing First Premier Home Warranty. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
Service fees from FPHW are $75. The coverage caps are also typically around $1,500 for most appliances and systems. With a home warranty from FPHW, you can enjoy a quality customer service team and coverage for your appliances and home systems at affordable prices.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
- Pros:
- 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
First American Home Warranty has the best appliance home warranty option for Gary homeowners. First American has 2 simple plans, making the selection process quick and easy. The Basic Plan and Premier Plan are the names of the company's plans, and it also has add-on coverage.
The coverage caps for First American's plans are around the $1,500 mark for most of the major appliances and systems, and service fees are $85. If you want comprehensive appliance coverage and a unique add-on that 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., you'll want to have this plan on your side.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $38.00 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser. Basic Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Basic Plan Add On |
| Premier Plan | $48.50 | $85.00 | View 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. Premier Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Premier Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
In Gary, Cinch Home Services offers the best workmanship guarantee home warranty option. Cinch offers 3 plans for homeowners to decide between, which contain a mix of system and appliance coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps from Cinch are about $1,000-$2,000. The service fees range from $75 to $150, which is fairly reasonable. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View 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. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View 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. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Gary?
A home warranty in Gary is there to help when your systems and appliances break down due to normal wear and tear. The Gary home warranty can cover anything from a dishwasher to a plumbing system and everything in between. Some home warranties will even cover the roof should there be a leak.
Some of the most common systems covered under a home warranty in Gary include:
- Electrical system
- Water heater
- HVAC (heating and air conditioning)
- Plumbing system
Common appliances covered under Gary home warranties include:
- Refrigerator
- Clothes Dryer
- Clothes Washer
- Oven / Range / Stove
- Cooktop
- Dishwasher
- Built-in Microwave
Cost of a Home Warranty in Gary?
Gary homeowners that are interested in saving money on the costs should have a general idea as to what home warranty plans cost on average. The size of your home, as well as the coverage, service fee, and add-ons you choose all affect the price.
On average, premiums range from $30 to $80 a month and service fees from $60 to $150. The exact number depends on the plan you get and how much coverage it has. Plus, if you need any add-on coverage, that will affect the cost. Keeping these ranges in mind when choosing a plan will help you get the best deal on your home warranty.
Is a Home Warranty Worth It in Gary?
A home warranty in Gary can bring about quite a few benefits for homeowners. When an expensive plumbing repair could have cost a thousand or more to fix, your home warranty will often only require you to pay the service fee. But on the other hand, there are also some potential drawbacks you should consider when looking for a home warranty. Let's give an overview of some benefits of having this home warranty first:
- Peace of mind--If you are constantly concerned about the next issue that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Workmanship guarantee--This makes sure that in case the problem with your appliance or system isn't fixed the first time, the home warranty will keep helping you with it.
- Fast response times--Without a home warranty, you may have to wait longer than you'd like for a contractor to come help you. But you can often get service within a 24-48 hour window with a home warranty.
There are also some conditions to bear in mind about home warranties that could be a drawback for homeowners, especially:
- Exclusions--Read your contract with care to make sure you understand what's included and not included under the home warranty, like appliances that already have a manufacturer's warranty, damage due to natural disasters, or pre-existing conditions.
- Coverage cap--Typically there will be a coverage cap on each appliance or system, which is the highest amount the home warranty plan will cover on a repair or replacement.
- Waiting period--Many home warranties make you wait 30 days before you can file a claim.
Having access to a professional network of contractors is one of the pros of having a home warranty. This makes getting repairs done super easy, since you won't have to look up contractors and call around for estimates.
FAQ's for Home Warranties in Gary
Which home warranty is the best in Gary?
Our overall pick for the top home warranty in Gary is Choice Home Warranty. However, the right company for you depends on what coverage you need for your appliances and home systems.
What's the purpose of a home warranty?
A home warranty is a service contract designed to give homeowners coverage for their home systems and appliances, like garbage disposals, dishwashers, dryers, refrigerators, washing machines, sump pumps, heating and cooling systems, water heaters, plumbing, electrical systems, among others.
How do you use a home warranty?
After you get a home warranty policy and an appliance or system stops working, you need to file a claim. The home warranty company will send a technician to your home to evaluate the situation and repair the issue. Then, you will pay a service fee and the home warranty covers the rest of the cost, as long as it is under the coverage cap.
Is a home warranty a good investment?
Many homeowners feel like a home warranty is a good investment because it helps protect against unexpected large expenses. When you have to fix an appliance or system in your home, you'd just have to pay the service fee, which can give you some financial peace of mind.
Our Rating Methodology
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.