As a longtime Indiana resident, I know firsthand the challenges Hoosier homeowners face when critical systems or appliances break down. From brutal winters that push heating systems to their limits to hot, humid summers that strain even the best air conditioning units, our homes endure a lot. When something inevitably fails, repair bills can quickly soar into the thousands, putting a serious dent in most families’ budgets.
Home warranties offer a solution, providing peace of mind and protection against these unexpected expenses. However, the industry’s reputation has been tarnished by confusing contracts, denied claims, and subpar service from some providers. To help my fellow Hoosiers find reliable coverage, I took a deep dive into the top home warranty companies serving Indiana. Using Today’s Homeowner’s stringent rating criteria, I evaluated each provider’s coverage options, cost, customer service, and reputation.
Through this extensive research, I identified the best home warranty companies in Indiana. These providers offer comprehensive coverage for the systems and appliances found in most Hoosier homes, along with transparent terms and a track record of dependable service. If you’re looking for a home warranty that will be there when you need it most, I recommend considering the best home warranty companies for Indiana I cover in this article.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Indiana Home Warranty Companies
- When it comes to home warranty providers in Indiana, Liberty Home Guard (LHG) stands out for its flexibility. With the ability to customize your plan with add-ons like pest control, pool/spa equipment, and even carpet cleaning, you can ensure your policy covers exactly what your home needs. This is especially valuable given the diverse types of homes — from vintage farmhouses to sprawling new suburban homes — across the state. And while Liberty is a newer company, its responsive claims service gives me confidence it can handle issues quickly.
- For those who prioritize fast fixes, I recommend considering American Home Shield (AHS). AHS has an impressive track record of responding to most claims within 24 hours. In a state with hot, humid summers and cold winters, that rapid response is crucial for getting your AC or heat back up and running ASAP to keep your home comfortable. AHS also covers unknown preexisting conditions, providing extra peace of mind in older Hoosier homes.
- As you compare home warranty options in Indiana, be sure to look closely at coverage caps, exclusions, and service fees. The best plan is one tailored to your specific home, budget, and needs. Don’t forget to take advantage of any limited-time promotions or discounts to get the most value. And finally, consider looking up reviews from other homeowners in your area to see how the provider has handled claims for homes similar to yours. Combined with analyzing the fine print, local insights give you the full picture of what to expect.
My Expert Recommendation
Based on extensive research into home warranty providers serving Indiana, Liberty Home Guard emerged as a top choice for Hoosiers seeking flexible home warranty plans. With over 40 add-on options, including unique offerings like pest control and carpet cleaning, Liberty allows you to tailor coverage to your home’s specific needs. As a longtime Indiana resident who has owned multiple properties, I understand the value of customization. Liberty’s responsive 24/7 emergency service also provides vital reassurance during our state’s bitter winters and sweltering summers when system and appliance breakdowns can strike at the worst times.
For Indiana homeowners with high-end appliances and systems, I recommend considering American Home Shield and Elite Home Warranty (EHW). Both providers are well established, boasting accreditation from the Better Business Bureau. AHS offers coverage limits of $4,000 for appliances and $5,000 for home systems, while EHW goes even further with $6,000 for appliances and $10,000 for systems. These generous caps can help protect even the most expensive equipment. Of course, all home warranties come with exclusions, so it’s crucial to examine the contract fine print carefully. However, the customization potential from LHG and the extensive coverage limits from AHS and EHW make them all strong contenders for safeguarding your home investment.
Indiana Home Warranty Companies I Didn’t Include
While First American Home Warranty (FAHW) is a well-known provider in the industry, I chose not to include it among my top recommendations for Indiana homeowners. One of the primary reasons for this decision is its unclear advertised service area. Although FAHW claims to offer coverage in 35 states (including Indiana), my personal experience shows they don’t directly serve every state listed on their website. When attempting to get a quote for my own Indiana home, I was unexpectedly redirected to a third-party site, which ultimately provided me with quotes from competing home warranty companies rather than FAHW itself.
This lack of transparency and clarity regarding their service area concerns me as it can lead to confusion and frustration for potential customers. In my opinion, a home warranty company should be up-front about the states they serve directly and those they cover through third-party partnerships. Until FAHW addresses this issue and provides coverage to Indiana homes directly, I hesitate to recommend them as a top choice for Indiana residents. Homeowners deserve a seamless and transparent experience when selecting a home warranty provider, and in this regard, FAHW falls short compared to the other companies I’ve recommended.
Compare The Highest Rated Home Warranties In Indiana
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$60 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Indiana
Liberty Home Guard
4.6
Our Rating
I appreciate Liberty Home Guard’s extensive customization options, with over 40 add-ons allowing Hoosiers to tailor coverage to their home’s unique features. Whether you need protection for a backup generator to weather power outages during brutal Indiana winters or want to include specialized items like a central vacuum system or guest house, Liberty provides the flexibility to create a plan that perfectly fits your needs. This level of customization sets Liberty apart from many competitors who offer more limited choices.
Beyond its impressive array of coverage options, I also like Liberty Home Guard for its commitment to customer service and additional policy perks. With an enviable 4.7-star rating on both Google and Trustpilot, Liberty far surpasses the 2- to 3-star average typical of many home warranty companies. This stellar reputation for responsive service gives me confidence that Liberty will be there when Hoosiers, whether rural or urban, need them most. I also value the company’s 60-day workmanship guarantee, which extends well beyond the industry standard of 30 days.
I don’t like that Liberty’s coverage limits fall short compared to some competitors. With maximums topping out at just $2,000 for home appliances, its caps are two to three times lower than providers such as Elite Home Warranty, which offers up to $6,000 in protection. This means that if you need to replace a costly item like an air conditioner, you could be left with significant out-of-pocket expenses.
Another downside is that Liberty’s numerous add-ons come at a relatively steep cost, averaging around $15 per month. In contrast, some competitors, such as EHW, charge just $6 for additional riders. I also don’t appreciate that Liberty excludes coverage for preexisting conditions and has non-negotiable service call fees.
For Indiana homeowners seeking a reliable and affordable home warranty, Liberty Home Guard is a top choice. With plans starting at around $50 per month, Liberty offers comprehensive coverage and over 40 unique add-ons tailored to Hoosier homes, such as protection for well pumps, sump pumps, gutter cleaning, power washing, generators, and even pest control. This exceptional level of customization is why I give Liberty an impressive 9.3/10 rating.
Liberty also excels in customer service, boasting a 4.7-star rating on both Google and Trustpilot. Customers consistently praise the company for its fast claims processing and responsive support. Plus, Liberty offers a 60-day workmanship guarantee, doubling the industry standard and providing extra peace of mind.
One potential limitation to consider is Liberty’s $2,000 coverage cap per item. While enough for most standard appliances and systems, this limit may not fully cover repairs or replacements for high-end brands. However, for most Indiana homeowners without luxury appliances, Liberty’s combination of personalized plans, competitive prices, and dedicated service is hard to beat. If you’re looking for a home warranty that can be tailored to your specific needs and budget, Liberty Home Guard is an excellent option.
Liberty Home Guard earns an impressive 10/10 rating from me for its unmatched customizability and affordability. With over 40 add-ons such as sump pump coverage, electronics protection, gutter cleaning, generator coverage, power washing, sump pump, well pump, and pest control, Liberty allows Hoosiers to craft a plan that perfectly fits their home’s unique needs.
I recommend the Total Home Guard plan to all Indiana homeowners. This plan combines comprehensive appliance and system coverage for just $60 per month — only $10 more than the base Appliance Guard plan. Most of Liberty’s add-ons range from $8 to $15 monthly, with some spanning $4 to $36 — many higher than the industry average of $15. Another potential drawback is the company’s service call fees, which range from $65 to $125, depending on the service you need — many fees will exceed the industry average of $75. However, Liberty offers some enticing discounts that can help offset these costs. For example, I was offered two free months with annual payments and seasonal $225 coupons during my secret shopping. Another standout feature is Liberty’s 60-day workmanship guarantee, doubling the industry standard and providing extra peace of mind on the quality of repairs.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Systems Guard | $54.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free (online), $225 off coupon (online) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard has the below optional add-ons for Indiana homeowners. As someone who lives in a rural Indiana area without access to city water and sewage, I greatly appreciate the affordable add-ons to cover my well pump and pumping of my septic system.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series stand-alone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Salt water pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65 inch TVs): $14.99/month
- TV mounting (up to 85 inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Exclusions
LHG has the following exclusions from its plans, which are standard in the industry.
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard earns a solid 8.9/10 rating from me for its affordability, thanks to competitively priced base plans starting at around $50 per month — right in line with industry averages. This makes Liberty an accessible option for most Indiana homeowners. However, it’s important to note that the company’s add-ons are generally more expensive than those of other providers, with most costing over $15 per month compared to the $6 to $13 range offered by competitors.
Another potential drawback is Liberty’s non-negotiable service fee, which ranges from $65 to $125 when filing a claim (depending on the type of service you need) — higher than what many other companies charge. Additionally, Liberty only covers items up to their “book value” rather than their full replacement cost. Book value is the estimated depreciated value of an item. So, you’ll only get credit for a partial amount of a failed appliance’s new value. Plus, LHG’s per-item coverage caps max out at $2,000 — lower than the limits set by providers like Elite Home Warranty ($6,000) and American Home Shield ($3,000).
On the plus side, Liberty stands out for its coverage of unique appliances with add-ons that other warranties often exclude, such as reverse osmosis filters and pro-series or luxury equipment. This flexibility is particularly valuable for Hoosiers with high-end or specialized home systems. So, while Indiana residents with standard appliances and systems should be aware of the potential drawbacks, those with unique or luxury items may still find excellent value in Liberty’s offerings.
I give Liberty Home Guard a solid 7.8/10 rating for customer experience, thanks to its transparent online quoting system and streamlined enrollment process. When I conducted my secret shopping, I found it easy to compare coverage options and personalize my plan to fit my Indiana home’s unique needs. Liberty’s website makes it simple for Hoosiers to understand their choices and make informed decisions.
Once you’re signed up, you’ll appreciate Liberty’s multiple contact options, including phone, email, and online chat. This accessibility ensures that you can get prompt support when issues arise, reducing stress during challenging situations. I also like Liberty’s 60-day service guarantee on repairs, which provides extra reassurance that any work performed will meet quality standards on the first attempt (and if not, Liberty will repair it again at no additional charge).
One potential drawback is Liberty’s 30- to 60-day waiting period before coverage begins, which aligns with industry averages. However, this is still shorter than some competitors who make customers wait up to 90 days.
Liberty Home Guard stands out among home warranty providers in Indiana, earning a stellar 9.1/10 rating from me for its reputation. The company consistently receives glowing praise across thousands of reviews, with customers highlighting exceptional service, smooth claims processes, and quick issue resolution. Liberty’s overwhelmingly positive 4.7-star ratings on Google and Trustpilot demonstrate its commitment to putting people first, setting it apart from competitors.
It’s worth noting that Liberty recently encountered a temporary setback when the Better Business Bureau (BBB) revoked its A+ rating due to an influx of complaints. However, after reaching out to the BBB, I discovered that this is a standard procedure while they review all the complaints with a magnifying glass. Liberty has previously gone through this process a few times in the past three years and had its A+ rating restored after the BBB’s thorough evaluation, so I’m hopeful the same will happen in this instance.
Liberty’s dedication to customer satisfaction is not only evident in customer reviews but also in the praise it receives from employees on Glassdoor, highlighting a supportive company culture that drives exceptional service. Negative reviews are few and far between and mainly mention isolated cases of longer wait times or unexpected fees. For Indiana homeowners seeking a reliable home warranty provider with an outstanding reputation, Liberty Home Guard is my top choice.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,519 |
| Trustpilot | 4.7 out of 5 stars | 2,620 |
| 4.7 out of 5 stars | 10,440 | |
| Yelp | 1.4 out of 5 stars | 49 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 3/21/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.
When Indiana homeowners face catastrophic failures like burst pipes, AC breakdowns, or appliance leaks, Liberty Home Guard is there to save the day. With an impressive 12-hour average response time and critical emergency repair options that many competitors lack, Liberty sets the standard for claims handling, earning a perfect 10/10 rating from me. These rapid responses can make all the difference when your furnace breaks down on a winter day with a -30ºF wind chill like mine did in late 2022. Fixing issues like these fast is critical.
Liberty’s dedication to providing top-notch service when you’re facing adversity is truly remarkable. Customers consistently praise the company’s smooth claims process and quick payouts after approval, highlighting the user-friendly experience that exceeds expectations. Once you’ve passed the standard 30- to 60-day coverage waiting period, most claims fly through approval within 48 hours.
Liberty Home Guard is available in all 50 U.S. states, which means it has nationwide connections to experienced contractors near you.
American Home Shield
4.3
Our Rating
I like that AHS has over 50 years of industry experience, which has given it time to build up a wide contractor network — ensuring that Hoosiers have access to specialized repair help for any unique needs their homes may have. This expertise, combined with the company’s expansive coverage options and flexible service fees, makes AHS a top choice for residents seeking the best protection against expensive equipment failures and additional wear and tear that Indiana’s 6-plus months of temperatures below 50ºF bring.
I also appreciate that AHS offers coverage for rust, corrosion, and even preexisting conditions, providing comprehensive protection for Indiana homes. The company’s high coverage caps of up to $5,000 for home systems and $4,000 for appliances give me peace of mind, knowing that even high-end items are covered. Additionally, AHS is one of the few providers that offers roof leak protection, either as an add-on or included with its premium plan — particularly useful in Indiana, where heavy snowfall and severe storms impose much more wear and tear than in states with milder climates.
It’s disappointing to see that American Home Shield has received a disproportionately high number of negative reviews compared to its competitors, especially considering its 50 years of experience in the industry. In the last year alone, AHS garnered over three times the number of complaints on the BBB than rivals like Select Home Warranty. Furthermore, the company earned sub-2-star ratings on both Trustpilot and Yelp, indicating a concerning lack of reputability.
Many negative reviews highlight transparency issues, sudden price increases, and delays in repairs for non-emergency problems. Some customers also express concern about the short 30-day workmanship guarantee that AHS offers. While it’s true that people are more likely to share negative experiences online than neutral or positive ones, AHS has had more time to accumulate reviews due to its longevity. So, the consistently low ratings across multiple platforms raise a red flag.
With over 50 years of experience, American Home Shield earns a solid 8.6/10 overall rating from me for its strong coverage offerings and generous limits that outshine those of competitors. AHS boasts impressive coverage caps of up to $5,000 for systems and $4,000 for appliances, surpassing providers like Liberty Home Guard, which typically has $2,000 limits. This extensive protection gives Indiana homeowners, especially those with high-end appliances and systems, peace of mind.
During my secret shopping, I found AHS’s website and quotes straightforward. However, despite the higher caps, AHS’s lower-tier plans cover fewer appliances and systems compared to entry-level options from competitors. For comprehensive protection, the ShieldPlatinum plan is the best choice, offering broad coverage at only a slight increase in cost while still beating comparable plans from other providers in terms of pricing.
AHS stands out for, unlike many other companies, covering undetectable preexisting defects, rust, and corrosion, which adds significant value to its plans. Its expansive contractor network also enables widespread, reputable support across Indiana. However, some reviewers have reported extended repair delays, and the 30-day workmanship guarantee falls short of rivals like Elite Home Warranty, which offers a 90-day guarantee. Despite these drawbacks, American Home Shield remains a strong choice for Hoosiers seeking confidence in protecting their valuable home systems and appliances.
American Home Shield offers Indiana homeowners three plan options: ShieldSilver for major systems, ShieldGold, which adds some appliances, and the comprehensive ShieldPlatinum. I give AHS a strong 9/10 rating for its plans and coverage, particularly for the ShieldPlatinum plan, which uniquely includes roof leak coverage — a rarity in the home warranty industry. This top-tier plan also offers free HVAC tune-ups, helping to prevent AC failure during Indiana’s hot summers and furnace breakdowns in our cold winters. This plan also has allowances for code violations, permits, and equipment modifications that other warranties often exclude.
One of the standout features of all AHS plans is that they cover old, improperly installed items and preexisting conditions, which many competitors don’t cover. This extensive protection brings peace of mind to owners of complex or aging systems and appliances. While AHS’s service fees, ranging from $100 to $125, exceed the $75 industry average, the company offers flexibility by allowing customers to choose between lower monthly premiums or higher service fees based on their budget and needs. During my secret shopping, a representative offered a 20% discount for signing up the same day, so it’s worth keeping an eye out (and asking) for deals and discounts.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $39.99 – $49.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldGold | $59.99 – $69.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
| ShieldPlatinum | $89.99 – $99.99 | $100 – $125 | 20% off same-day sign-up discount (online and phone) |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $49.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
American Home Shield offers the following add-ons to its plans. As an Indiana homeowner without city water and sewage, I like the option to cover my septic pump and well pump. These features are quite expensive, and AHS could save me from having to pay huge bills if they break down.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
Exclusions
AHS has the following exclusions from its plans. All are typical among other providers.
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield earns an 8.7/10 rating from me for affordability — mainly because of its high coverage caps that can save Indiana homeowners money long-term despite slightly higher up-front monthly costs and service fees. Plans from competitors like Liberty Home Guard often cap system coverage at around $2,000, while AHS extends that to an impressive $5,000 — offering more than double the protection. With Indiana’s hot summers and cold winters leading to more wear and tear on critical systems and appliances, these strong coverage caps offer better protection.
For Hoosiers with high-end systems, the peace of mind and extra protection provided by AHS’s higher coverage limits can make the slightly pricier rates worthwhile in the long run. The costs for replacement AC systems in the state can easily eclipse the lower caps offered by many competitors, making AHS’s allowance of up to $5,000 for HVAC systems particularly valuable. So, while American Home Shield may not be the most budget-friendly option, the enhanced coverage justifies the higher monthly rates and service fees when breakdowns occur, especially for those with expensive appliances or unique systems that would be costly to repair or replace without adequate coverage.
I had high hopes for American Home Shield’s customer service. However, I found numerous complaints about unreturned calls and messages, which is concerning when Indiana homeowners need assistance, especially during an AC breakdown during a 100ºF summer day. Despite these communication issues, AHS does offer some advantages, such as assigning each customer an account manager and providing multiple contact methods. This accessibility can help you get better communication from individual reps and demonstrates a commitment to responsiveness.
On the positive side, during my secret shopping, I found American Home Shield’s website to be user-friendly when obtaining quotes and comparing pricing for different plans. The company’s standard 30-day waiting period before a new policy takes effect is also a plus, as it’s significantly shorter than the 60-day or longer wait times imposed by some competitors. Considering these factors, I give American Home Shield a decent 8.4/10 rating for customer experience.
I give American Home Shield a fair 7.7/10 rating for its mixed reputation. The company’s low scores on sites like Trustpilot and Yelp concern me, with many reviewers expressing frustration about delayed service, unexplained claim denials, and unresponsive customer service. These issues are particularly worrisome for Indiana homeowners who need prompt assistance with critical system breakdowns during our hot summers and cold winters. However, it’s important to note that some negative feedback appears to stem from misunderstandings over the contract, which is a good reason to read the whole thing before signing it.
On a positive note, AHS makes filing claims straightforward with 24/7 support online and by phone. Having around-the-clock help is crucial for urgent issues like water heater or furnace failures during Indiana’s harsh winters. Once you file a claim, you can conveniently track its status and repair history through the online account dashboard. This gives you great ongoing visibility into the repair process.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.11 out of 5 stars | 11,139 |
| Trustpilot | 2.2 out of 5 stars | 5,263 |
| 4.5 out of 5 stars | 32,947 | |
| Yelp | 1.1 out of 5 stars | 1,271 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give American Home Shield’s claims process a strong 8.4/10 rating for its user-friendly setup and 24/7 customer service availability. The ability to submit a claim online or via phone at any time of day brings peace of mind to Indiana homeowners, especially when facing urgent issues like a broken air conditioner during a scorching summer. Once you file a claim, you can easily track its status and view your home’s repair history through your online account, providing transparency and reducing stress throughout the process.
That said, some reviews highlight instances of unreturned calls and messages, which is concerning for a prominent provider and drops my rating down a few points. However, AHS takes steps to mitigate these issues by assigning dedicated account managers and offering multiple contact channels.
American Home Shield has coverage in all U.S. states besides Alaska. Its near-nationwide coverage earns it a perfect 10/10 score and ensures you have local quality contractors available to do repairs in your home when you need them.
Select Home Warranty
4.2
Our Rating
I like Select Home Warranty (SHW)’s low monthly premiums, ranging from $44 to $48 — some of the most affordable coverage in the industry. This, coupled with a low $75 service fee per repair visit, makes Select an attractive option for budget-conscious homeowners like myself. What really sets SHW apart from its competitors is the inclusion of limited roof leak coverage in all its plans. Many home warranty companies completely exclude this protection or offer it only as an add-on, but Select bundles it into every plan tier by default. This valuable inclusion, along with the company’s 90-day repair guarantee (which is 30 to 60 days longer than many other providers), are a few things I like most about Select.
One issue I have with Select Home Warranty is its limited number of add-ons, with only nine options available. This lack of customization could be a problem for those with unique home systems or appliances that require specific coverage. Another aspect I don’t appreciate is Select’s policy of excluding preexisting defects. If I’m unaware of hidden issues before enrolling, I risk having my claims denied later on. To avoid this, you need to thoroughly inspect your home and ensure everything is working properly before you sign up.
I also dislike that Select prohibits homeowners from choosing their preferred contractors for repairs. This restriction takes away my control over who works on my home’s systems and appliances. Additionally, the company’s strict $75 contract cancellation fee seems to prioritize its own interests over the flexibility of Indiana homeowners.
As an Indiana homeowner, I give Select Home Warranty an impressive 8.4/10 overall rating due to its straightforward and affordable home warranty plans. With its Bronze Care, Gold Care, and Platinum Care options, SHW offers clear coverage for appliances, systems, or a combination of both, making it easy to choose the right plan for your needs. A standout feature of Select Home Warranty is its budget-friendly monthly premiums, which range from $44 to $48. These rates are lower than those of many of its competitors, including American Home Shield and Liberty Home Guard, making SHW an attractive choice for cost-conscious homeowners like me.
I appreciate that Select offers coverage caps up to $3,000 for essential items like air conditioning and HVAC systems. A high limit is crucial given Indiana’s varied climate, which puts more wear and tear on furnaces and AC units. However, it’s worth noting that some providers, such as Elite Home Warranty and American Home Shield, offer even higher limits of $10,000 and $6,000, respectively.
Overall, Select Home Warranty is an excellent choice for Indiana homeowners with standard, reasonably priced appliances and systems who are looking for straightforward protection and long-term savings. However, those with luxury or specialized equipment may want to consider providers with higher coverage caps and a wider range of optional add-ons to better suit their specific needs.
I give Select Home Warranty a respectable 8.3/10 rating for its straightforward appliance, system, and combined coverage plans. While the Gold Care and Bronze Care plans focus on just appliances and systems, respectively, I recommend the Platinum Care plan for almost all Hoosiers, as it covers both appliances and systems for just $4 more per month.
Select’s transparent approach to home warranty coverage is a breath of fresh air compared to competitors with confusing packages and terminology. When I got a quote online, I was offered enticing discounts, including two free months and $150 off the annual price, showcasing Select’s commitment to affordability.
However, it’s important to note that Select’s $3,000 coverage limits may not be enough for those with high-end appliances or systems (American Home Shield and Elite Home Warranty have two to three times that limit). Additionally, the company offers fewer specialty add-ons compared to some of its competitors. Despite these limitations, Select Home Warranty provides affordable, no-nonsense protection that caters to the essential needs of most Indiana homeowners.
| Plan | Monthly Cost* | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Gold Care | $44.42 | $75 | $150 off (website), two extra months free (website) |
| Platinum Care | $47.75 | $75 | $150 off (website), two extra months free (website) |
*Monthly cost figures provided include the discounted rate offered at time of writing ($16 off). Select Home Warranty has been running this promotion since the beginning of this year.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
SHW offers the following nine optional add-ons to its plans. As an Indiana homeowner with a septic system, well pump, and sprinkler system, I appreciate the affordable coverage for these expensive systems.
- Central Vacuum: $3.33/month
- Lawn Sprinkler System: $5.83/month
- Pool: $8.33/month
- Roof Leak: free
- Septic System: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump Pump: $3.33/month
- Well Pump: $3.33/month
Exclusions
Select Home Warranty has the below exclusions to its plans, all of which are standard in the industry.
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I believe Select Home Warranty is an excellent choice for Indiana homeowners looking to protect their homes on a tight budget. With monthly premiums around $40 after discounts, Select offers plans that are $10 to $20 cheaper than the industry average. This affordability extends across its Bronze, Gold, and Platinum plans, which cover essential appliances, systems, or both without the steep price increases often seen with competitors.
Select also stands out for its low service fees of $65 or $75, which are significantly less than the $100 or more charged by many other providers like American Home Shield. These reduced fees give me peace of mind that repairs won’t break the bank, allowing me to save money on both monthly premiums and repair costs.
While Select’s $2,000-per-appliance coverage limit may not suit every homeowner, it’s plenty for most homes with standard units. I appreciate that Select doesn’t have the steep upcharges some competitors levy for their higher-tier plans. Overall, I give Select Home Warranty an impressive 9.1/10 rating for its affordability, competitive pricing, lower service fees, and adequate coverage limits, making it a top choice for budget-conscious Indiana homeowners.
As an Indiana homeowner, I’m impressed with Select Home Warranty’s user-friendly website and straightforward online quote process. Unlike other providers I’ve researched, Select doesn’t bombard potential customers with excessive follow-ups or aggressive sales tactics. This commitment to transparency and simplicity is a refreshing change, allowing me to carefully consider my coverage needs without the frustration of dealing with confusing pitches or unnecessary back-and-forth communication.
Select’s website clearly outlines available plans, pricing details, coverage specifics, and add-ons in plain language, making it easy for Hoosiers to research which protections best suit their repair risks and budgets. This hassle-free online experience sets Select apart from competitors that often overwhelm and confuse potential customers. Its dedication to providing a stress-free home warranty experience is a welcome surprise and earns Select Home Warranty a commendable 8.1/10 rating from me for customer experience.
I give Select Home Warranty a fair 8/10 rating for its mixed reputation among customers. The company’s Better Business Bureau grade sits at a decent B, and its ratings on platforms like Trustpilot and Google hover around 3.8. Positive reviews praise Select’s swift repairs after claim approval, helpful customer service, and easy enrollment process. However, I’m disappointed to see complaints about low reimbursements, denied coverage, and unskilled repair contractors.
It’s important to note that dissatisfied customers often shout louder than satisfied ones, and Select’s lower review volume compared to massive competitors like American Home Shield may indicate fewer unhappy buyers overall. Nonetheless, the conflicting feedback warrants caution, and you should weigh potential issues like low reimbursements carefully alongside Select’s affordable pricing.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.39 out of 5 stars | 2,110 |
| Trustpilot | 3.8 out of 5 stars | 4,818 |
| Yelp | 1.0 out of 5 stars | 9 |
| 3.8 out of 5 stars | 19,830 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I appreciate that filing a claim with Select Home Warranty is a straightforward process. You can either submit a claim online or call it in, which is convenient. For most non-emergency situations, Select dispatches repair technicians within 48 hours, aligning with the industry average.
However, waiting two full days for repairs can be frustrating, especially if your refrigerator fails during a hot Indiana summer. In such cases, your food may spoil before the technician arrives. On a positive note, Select Home Warranty offers 24/7 emergency assistance for critical issues like burst pipes or broken down AC units, ensuring prompt attention and minimizing potential health and safety risks.
While Select’s claims process is standard in the industry, the slower dispatch times for non-emergencies is a drawback. This earns the company a fair 7.6/10 rating from me for its claims process.
SHW has coverage in all 50 states. With full nationwide coverage, you can rely on its strong network of qualified contractors for repairing your home items.
Elite Home Warranty
4.3
Our Rating
I’m impressed by Elite Home Warranty’s consistently high ratings on trusted review sites including Google, Yelp, and Trustpilot. With scores ranging from 4.5 to 5 stars, Elite far surpasses the industry’s typical 2- to 3-star reputation. Customers frequently praise Elite’s quality service and ability to promptly settle claims to their complete satisfaction, demonstrating the company’s commitment to delivering top-notch customer support.
One characteristic that sets Elite apart is its extensive array of customization options, with 26 add-ons available. This flexibility allows Hoosiers to create tailored plans that balance affordability and financial security, adapting to their specific needs and budgets. Moreover, Elite’s generous coverage limits of $10,000 per system and $6,000 per appliance provide peace of mind, ensuring that even premium equipment is protected.
I’m disappointed that Elite Home Warranty doesn’t cover emergency repairs without charging an additional $150 fee. When critical systems like air conditioners fail during Indiana’s humid summers, homeowners need urgent support without the burden of extra costs. Some could cause some homeowners on a tight budget to suffer in the heat for a few days to avoid this emergency fee. This lack of emergency coverage seems unacceptable from a company that prides itself on customer service.
Furthermore, I don’t appreciate Elite’s policy of voiding workmanship guarantees if you choose to use your own trusted technician instead of one from its contractor network. Indiana homeowners value the option to select contractors they know are reliable and will do a good job. This restriction limits flexibility and can be frustrating for those who prefer working with local professionals they trust.
Elite Home Warranty’s industry-leading coverage limits of $10,000 per home system and $6,000 per appliance are what stand out to me the most. These caps far exceed the typical $2,000 to $3,000 maximums offered by competitors like Liberty Home Guard and American Home Shield, providing invaluable peace of mind for Indiana homeowners with high-end household equipment vulnerable to costly repairs.
I highly recommend Elite’s Complete plan, which bundles appliance and system coverage for maximum value. Hoosiers can customize their protection with 26 add-ons available to fit the unique needs of their homes. However, it’s important to note that Elite falls short when it comes to emergency repairs outside of normal business hours (by charging a $150 emergency fee), and certain luxury brands may trigger additional service surcharges. It also excludes commercial-grade equipment across all plans.
Despite these limitations, I give Elite Home Warranty an impressive 8.6/10 rating for its comprehensive coverage and flexibility. The company’s generous coverage maximums, which are two to three times higher than the industry norm, make it a top choice for Indiana residents seeking to safeguard their expensive household systems and appliances with the highest limits available.
Elite Home Warranty offers three straightforward plans for Indiana homeowners: an appliance-only plan, a systems-only plan, and a combo plan called Elite Complete. What truly sets these plans apart are the unparalleled coverage maximums that far surpass industry standards. For appliances, Elite pays up to $6,000 per claim, which is double the typical $2,000 to $3,000 limit among competitors such as Liberty Home Guard and Select Home Warranty. Even more impressive, its $10,000 per claim cap on home systems is the highest available statewide.
With Indiana’s hot summer months, with temperatures capping out in the low 100ºF range, and its cold winters that see extremes down to -40ºF with wind chill, home systems and appliances face extra strain. The heavy wear and tear increases the likelihood of breakdowns and costly repairs. Elite’s strong coverage caps provide immense peace of mind by fully covering sudden repair expenses. I recommend the Elite Complete plan for Hoosiers seeking comprehensive protection, as it bundles both appliance and system coverage for only a slight increase in price.
During my secret shopping, Elite offered a 30-day risk-free trial and a $150 discount for signing up over the phone, making its top-tier protection even more budget-friendly. Given Elite’s record-shattering coverage caps that are two to three times higher than those of other providers, I confidently rate its protection plans a perfect 10 out of 10 for Indiana homeowners.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Systems | $52.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
| Elite Complete | $59.99 | $100 | $150 sign-up (phone), 30-day trial (phone) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Elite Home Warranty offers the below optional add-ons to its plans. I love the affordable add-on for HVAC annual maintenance. As someone who has worked in the HVAC industry for over 12 years, I know just how critical routine maintenance is to keeping your furnace and air conditioner healthy and preventing breakdowns.
- Attic exhaust fan: $69.99/year
- Central vacuum: $49.00/year
- Effluent pump: $99.99/year
- Ejector pump: $99.99/year
- Freestanding freezer: $59.99/year
- Freestanding ice maker: $59.99/year
- Freestanding spa equipment: $119.99/year
- Generator: $99.99/year
- Geothermal heating and cooling System: $299.99/year
- Grinder pump: $99.99/year
- Guest house: $299.99/year
- HVAC annual maintenance: $299.99/year
- Jetted/hot Tub: $99.99/year
- Lawn Sprinkler System: $99.99/year
- Lift pump: $99.99/year
- Limited roof leak repair: $99.99/year
- Pool & spa equipment: $199.99/year
- Pool equipment: $149.99/year
- Premium appliances: $249.99/year
- Premium benefits: $199.99/year
- Premium systems: $299.99/year
- Premium systems plus: $499.99/year
- Septic system: $129.99/year
- Service lines: $349.99/year
- Sump pump: $99.99/year
- Swamp cooler: $149.99/year
- Water filtration system: $99.99/year
- Water softener: $99.99/year
- Well pump: $99.99/year
- Wine cooler: $69.99/year
Exclusions
EHG has the below exclusions to its plans. None of them is out of the ordinary.
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I find Elite Home Warranty’s monthly premiums, ranging from $45 to $60, to be competitive with those of other providers in the state. EHW offers standard coverage options, including appliances-only, systems-only, and bundled plans, with a $100 service call fee that parallels that of top competitors.
However, I discovered some additional fees that can quickly drive up expenses once you start a contract. For example, Elite charges $150 for weekend or emergency service and $150 per visit for access to premium-brand technicians. Most add-ons fall in the $15 to $20 per month range, which is pricier than some other providers but still reasonable for expanded protection.
When I spoke with Elite’s customer representatives, I found them frustratingly vague when detailing the company’s add-on fees, which were also hard to find online. This lack of transparency makes it challenging for Hoosiers to accurately compare plans and budget for long-term costs. On the plus side, Elite offers a 30-day trial period, allowing customers to vet plans risk-free before fully committing. Factoring in this need for more transparency around fees, I give Elite Home Warranty an 8.7 out of 10 on its affordability for Indiana homeowners.
I found Elite Home Warranty’s website challenging to navigate for quoting, unlike competitors’ sites that display premium estimates upfront. This lack of transparency earns Elite a fair 7.6/10 rating from me. To receive even basic monthly price ranges, Hoosiers must call the company directly, and the optional add-on costs are buried deep in the website, listed only as a yearly price. This hidden pricing approach creates unnecessary friction in the comparison-shopping process and makes accurate monthly budgeting a challenge.
Speaking with a phone representative, I felt they lacked clarity or training around the extra fees and charges associated with plan add-ons as well. Despite these initial quoting and budgeting hurdles, Elite Home Warranty boasts numerous positive customer reviews and awards from reputable sites like Trustpilot and Google. This indicates that most homeowners appreciate the company’s responsive support and coverage once they sign a contract.
As a newer player in the home warranty industry, Elite Home Warranty has a limited number of online reviews — fewer than 200 total across sites like Google, Trustpilot, and Yelp. This small sample size negatively impacts its reputation score, earning it a fair 8.3/10 from me. However, Elite’s accreditation and A+ rating with the Better Business Bureau provide reassurance of its credibility and commitment to addressing customer concerns in a timely manner.
The available feedback for Elite Home Warranty is overwhelmingly positive, with customers praising the company’s fast claims handling, budget-friendly prices, and exceptional service. Many reviews highlight Elite’s responsive support and follow-up to ensure customer satisfaction, which is particularly valuable for Indiana homeowners dealing with critical system breakdowns. While a few negative reviews mention slow communication and late contractors, nothing stands out to me as a widespread problem with this provider.
| Rating Site | Rating | Number of Reviews |
| BBB | A+ / 4.97 out of 5 stars | 739 |
| Trustpilot | 4.7 out of 5 stars | 59 |
| 4.8 out of 5 stars | 146 | |
| Yelp | 4.8 out of 5 stars | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I find Elite Home Warranty’s policy of charging an extra $150 fee for after-hours emergency coverage to be a significant drawback. This practice can leave Hoosiers vulnerable in the face of urgent appliance breakdowns, especially during the state’s humid summers when AC units are critical.
On a positive note, Elite allows 24/7 claims filing online or by phone, which has become standard practice in the industry. For non-emergency claims, the company’s 24- to 48-hour response time aligns with that of competitors. However, this timeframe is no better than the industry average. Considering Elite’s approach to emergency situations and its average response time for non-emergencies, I give it a below-average score of 6.8 out of 10 for its claims process.
Elite Home Warranty is available in 47 U.S. states, earning it a perfect 10/10 rating from me. With its wide-reaching coverage, EHG boasts a strong network of quality repair contractors.
AFC Home Warranty
4.3
Our Rating
I like that AFC Home Warranty offers Indiana homeowners a range of unique perks that go beyond standard appliance and system coverage, setting it apart from other providers in the state. These benefits include discounted home security, medical care, credit monitoring, and insurance savings — creative extras that no other home warranty provider matches. By bundling these rare add-on coverage options alongside its robust core protection plans, AFC delivers great value to Hoosiers.
What impresses me most about AFC is its largely positive customer feedback online — a rarity in an industry often plagued by complaints. Plus, the company’s array of optional add-ons allows you to customize comprehensive coverage tailored to your home’s specific needs.
I don’t like AFC Home Warranty’s lack of 24/7 emergency repair services without extra fees. If urgent issues like leaking water heaters or AC breakdowns occur during nights, weekends, or holidays, customers must pay additional charges for prompt assistance. With Indiana’s hot, humid summers, waiting extended periods to avoid fees while dealing with cooling system failures and appliance breakdowns isn’t realistic, especially considering the potential health risks. Most competitors offer around-the-clock emergency support, recognizing that access is essential in such critical situations.
Another concern I have with AFC is its variable coverage caps. While some items have limits up to $3,000, others only provide between $150 and $1,000 in protection. Hoosiers must carefully review each appliance’s and system’s coverage cap to ensure they have adequate coverage and avoid surprise gaps that could leave them exposed to pricier repairs and replacement costs when issues arise.
My experience with AFC Home Warranty has been largely positive, earning the company a strong 8.5/10 rating in my book. One of the standout features is its user-friendly website, which simplifies the enrollment process for Indiana homeowners. AFC allows customers to customize their coverage through tiered plans and flexible service fees — options most competitors lack. This adaptability, coupled with AFC’s A+ Better Business Bureau grade and consistent adherence to contract terms, make it one of my top choices for home warranty protection in the Hoosier State.
However, it’s important to note that AFC Home Warranty has relatively lower coverage caps compared to other national providers, with a maximum of $3,000 per item. This could be a concern for those with high-end appliances or systems. Additionally, the company’s reimbursement levels fluctuate based on vague home appliance and system assessments, which can be frustrating for homeowners seeking transparency. Despite these limitations, AFC customers give this provider glowing reviews for seamless claims experiences and knowledgeable technicians, as long as the issues fall within the coverage limits.
For Hoosiers considering AFC Home Warranty, I recommend the Diamond Plan, which affordably bundles systems, appliances, roof leaks, and even electronics under one roof. While this plan has its gaps in emergency services and coverage caps, it nicely suits the needs of most Indiana homes wanting comprehensive protection. By guaranteeing repairs within 48 hours and offering lifetime workmanship warranties, AFC strives to deliver timely, high-quality service when unexpected breakdowns disrupt your daily life.
AFC Home Warranty’s standout feature is its exceptional Diamond Plan, which comprehensively covers home systems, appliances, electronics, exterior lines, and even unique extras like roof leaks. This industry-leading plan offers Indiana homeowners the rare and valuable opportunity to protect their personal electronic devices, such as smartphones, tablets, and home office equipment — perfect if you work from home like me — alongside their core home systems and appliances.
I’m impressed by AFC’s range of four total plan options, allowing Hoosiers to customize their protection to suit their specific needs. From a basic appliance-only Silver Plan to the all-inclusive Diamond package, AFC’s flexibility surpasses most providers who limit customers to just three plans. The Gold Plan protects 15 appliances plus systems like electrical, plumbing, and HVAC, while the Platinum Plan covers 18 appliances/systems, including microwaves and in-fridge ice makers.
During my secret shopping, I was offered attractive discounts, including $140 off annual policies and $250 off three-year plans. Combined with the Diamond Plan’s one-of-a-kind coverage and AFC’s already competitive pricing, savvy shoppers in Indiana can maximize their savings while securing robust, tailored protection. For its industry-leading coverage variety, modern device protection, and flexible plan options, I rate AFC Home Warranty a strong 8.1 out of 10.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Silver Plan | $43.58, $46, $48.42 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Gold Plan | $58.08, $60.50, $62.92 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Platinum Plan | $62.92, $65.33, $67.75 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
| Diamond Plan | $97.50, $99.92, or $102.33 | $75, $100, or $125 | Up to $250 off, free roof leak protection |
*If you choose the lower service fee of $75, you pay the higher monthly premium. For example, the $48.42 rate for the Silver plan pairs with the $75 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
AFC offers the following optional add-ons to Indiana homeowners. As a rural Indiana homeowner, I appreciate the low-cost options to protect my well pump and septic system.
- Built-in microwave: $50/year
- Central vacuum: $25/year
- Double oven: $25/year
- Electronics coverage: $24.99/month
- Hot water dispenser: $25/year
- Ice maker: $25/year
- In-ground pool: $100/year
- In-ground pool and spa: $150/year
- Roof leak (free, worth $25/year)
- Septic system: $50/year
- Stand-alone freezer: $25/year
- Sump pump: $35/year
- Well pump: $50/year
Exclusions
AFC Home Warranty has the following exclusions from its plans, which are standard in the industry:
- Crane rentals needed to move appliances or systems
- Geothermal heating systems
- Haul-away services
- Light fixtures
- Malfunction or damage caused by acts of God
- Code violations
- Appliances and systems not properly maintained
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
I find AFC Home Warranty to be an attractive option for home warranty coverage due to its affordability and flexibility. With plans starting at under $40 per month for essential appliance or system coverage and its comprehensive Diamond Plan priced at a competitive $89 monthly (with discounts), AFC caters to a wide range of budgets. I’m particularly impressed by the Diamond Plan’s inclusion of unique features like electronics and sewer line coverage, which other warranties exclude.
AFC’s service fee options of $75, $100, or $125 per repair visit allow you to customize your plan based on your financial preferences. By choosing a higher deductible, you can keep your monthly premiums lower. However, you need to be mindful of the optional add-ons, as they can quickly accumulate and significantly increase the total cost.
Before signing up with AFC Home Warranty, I advise thoroughly reviewing the sample contract. While the company advertises $3,000 coverage limits, it’s crucial to note that certain items, such as microwaves and ovens, may have lower caps ranging from $150 to $500. Despite these limitations, AFC’s affordability and flexibility make it a strong contender for Indiana residents seeking customizable home warranty protection.
I’m thoroughly impressed with AFC Home Warranty after exploring its website, getting quotes, and interacting with customer service representatives. The user-friendly website neatly organizes different plans, coverage tiers, and optional add-ons, making it easy for Hoosiers to customize policies that align with their budgets and specific home repair concerns. Unlike some providers that offer only a vague sample contract, AFC goes the extra mile by providing transparent example agreements illustrating the coverage specifics for each plan, simplifying the shopping process, and helping customers make informed decisions.
I appreciate AFC’s non-pushy sales approach and its 24/7 availability, which proves incredibly convenient for urgent issues that may arise overnight or on weekends. Furthermore, customer feedback consistently praises AFC’s excellent communication and the professionalism of its technicians when handling claims — two critical factors that contribute to a positive home warranty experience. All these aspects combined lead me to give AFC Home Warranty a top score of 9.2/10 for my customer experience rating.
AFC Home Warranty stands out among home warranty providers in Indiana with its consistently positive online ratings, earning a solid 8.3/10 for its reputation. Despite having fewer reviews compared to major competitors, AFC boasts a respectable 3.7 score on Google, surpassing the dismal 2-star ratings common with top rivals. Many customers praise AFC’s excellent service, prompt technician dispatch, smooth claims process, and fair reimbursements for necessary repairs.
Although AFC has maintained its BBB accreditation since 2015, demonstrating reliable service over its 14 years in business, some negative reviews mention coverage loopholes, cancellation fees, late contractors, or contract misunderstandings. However, AFC showcases its responsiveness by swiftly addressing and resolving more than 140 Better Business Bureau cases in the past three years, working to ensure customer satisfaction. While AFC would benefit from more online feedback, its current ratings and accountability reflect positively on the company’s commitment to its Indiana customers.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.59 out of 5 stars | 170 |
| Trustpilot | 3.0 out of 5 stars | 24 |
| 3.7 out of 5 stars | 1,589 | |
| Yelp | 1.9 out of 5 stars | 337 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AFC Home Warranty’s life-of-contract workmanship guarantee is a standout feature that protects Indiana homeowners from paying extra for repeat repairs on the same system or appliance component. This benefit far surpasses the industry’s typical 30- to 90-day coverage window, demonstrating AFC’s confidence in the quality and reliability of its services.
However, AFC’s lack of 24/7 emergency repair options during nights, weekends, or holidays is a significant drawback, especially for Hoosiers facing seasonal risks like heat waves that can quickly escalate appliance and system issues into crises. As stated in its coverage documents, AFC is closed on nationally recognized holidays, resulting in delayed service request assignments. While AFC is generally responsive, with a standard response time of 24 to 48 hours, prospective customers should carefully consider its inability to support emergency issues before enrolling, earning the company a subpar 6.8/10 rating for its claims process.
AFC is available in 48 U.S. states — excluding California and Hawaii. With AFC’s broad coverage, you can count on the company’s strong network of quality contractors for repairs.
Calculate the Cost of Indiana Home Warranty
Use the calculator below to estimate the annual cost of a home warranty plan. Put in the monthly premium, service call fee, and the estimated number of service visits in a year. Then, the calculator will provide the full yearly cost for a plan.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Indiana Home Warranty Regulations
In Indiana, home warranty companies are regulated by the Indiana Department of Insurance (IDOI). The IDOI provides online resources to help Hoosiers make informed decisions when selecting a home warranty provider. If a homeowner encounters issues with their home warranty company, they can file a complaint through the IDOI’s Consumer Services Division or the Indiana Attorney General’s Consumer Protection Division.
Before purchasing a home warranty, Indiana residents should verify that the company they’ve chosen is licensed, bonded, and secured by the IDOI. The primary purpose of the IDOI is to protect Hoosiers as they purchase and use insurance products, such as home warranties and homeowners insurance, to safeguard their assets and families from loss or harm.
Frequently Asked Questions
Do You Need a Home Warranty in Indiana?
Indiana’s humid summer climate and below 0ºF winters put extra strain on home systems and appliances, making a home warranty a smart investment for many homeowners. Additionally, Indiana’s older housing stock may benefit from the added protection a home warranty provides.
How Much Does a Home Warranty Cost in Indiana?
The average cost of a home warranty in Indiana is between $300 and $600 per year, with most homeowners paying around $450 annually. To learn more about the factors that influence home warranty costs, check out our informative article on how much a home warranty typically costs.
How To Save Money When Shopping for Home Warranties In Indiana?
To save money when shopping for home warranties in Indiana, I recommend getting quotes from multiple providers and comparing the coverage and pricing of each plan. Additionally, look for companies that offer discounts for multi-year contracts or for purchasing a home warranty during the home-buying process.
Is a Home Warranty Worth It for Indiana Homeowners?
A home warranty is worth it for Indiana homeowners because it can provide peace of mind and financial protection against unexpected repairs or replacements of home systems and appliances. To determine if a home warranty is right for you, consider reading this guide on whether home warranties are worth the investment.
