Written By David Cusick
Last Updated February 2024
With a variety of seasons in Indianola, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your heater go out in the middle of winter. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and give you some peace of mind.
Finding the best home warranty on the market can be a challenge because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide on the top home warranty companies in Indianola.
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 Indianola residents. Liberty is a home warranty provider with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 Indianola residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
Choice Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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 Indianola residents. Select is a home warranty provider with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans that Select offers include differing levels of system and appliance coverage, as well as add-on options.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 Indianola residents. AHS is a home warranty provider with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Indianola residents. First American is a home warranty provider with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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 Indianola residents. Cinch is a home warranty provider with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 Indianola residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The Home Service Club has 2 plans that provide a combination of appliance and system coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Indianola area.
Read more by visiting our detailed review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $5,845 |
Heating | $3,897 |
Electrical | $585 |
Toilets | $487 |
Washer/Dryer | $779 |
Plumbing | $585 |
Oven | $1,559 |
Fridge | $585 |
A home warranty is a protection policy that assists Indianola homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to swap out or repair appliances and systems that break down due to normal wear and tear.
When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, microwaves, washers, dryers, dishwashers, refrigerators, and more. Included systems are typically electrical, plumbing, air conditioning, and heating. Many home warranty providers offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Indianola homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
When selecting a home warranty provider, there are several important factors to consider:
Home warranties differ greatly in the items covered. Basic policies typically cover electrical, AC, plumbing, heating, and appliances, while more comprehensive plans may also cover well pumps, roof leaks, spas, and pools. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may seek out companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles if homeowners don't submit any claims within a set period of time.
A home warranty provider's rating provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Complimentary reviews and ratings indicate a provider known for stellar service.
Home warranty companies maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Indianola and get an idea for how fast your repairs might happen in an emergency situation. More extensive networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty companies offer extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These can add value beyond repair coverage. Added bonuses maximize the usefulness of the home warranty.
Temperatures in Indianola can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Indianola, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the pain of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may have. Plus, having a home warranty can help make your house more appealing to potential homebuyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the same protection you’ve been benefiting from.
Home warranties also have some cons. While it can save you time when the home warranty sends out a repair person who handles the repair for you, some homeowners may not like this, and they would prefer to choose their own contractor. If that’s the case for you, some home warranty providers allow you to select a contractor.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Indianola can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues with systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which might not be too much of a concern in Indianola. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, home sellers, homeowners, landlords, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Indianola include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. An appliance or system plan will cover only the items listed in the plan.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Typically, the homeowner pays for the home warranty. In some cases, though, the person who is selling the home may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Indianola is $281,460, a home warranty can save you some money when buying a home.