Whether you’re located in the Metropolitan hub of Indianapolis or Fort Wayne, or near Lake Michigan and the Indiana Dunes National Park, this midwestern state offers many great benefits to homeowners. Indiana residents get the pleasure of experiencing four distinct seasons, which is why IN offers more than just miles of corn farmland; there are many beautiful and affordable homes. However, these great benefits won’t make you exempt from potential issues with home systems and appliances that arise for every homeowner. If you are looking for the best home warranty company in Indiana, we have you covered. 

In this guide, we will cover . . . 

  • What is a home warranty in Indiana?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies in Indiana in 2022.
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Indiana

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.1
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

The Indiana summers can be warm and humid, yet the winters are bitter and cold. When you have a home warranty in place, your heating system, HVAC system, water heater, and more can be covered against the normal wear and tear that occurs in Indiana homes. 

Home warranty companies help you save money on expensive home repairs and replacements. They also allow you to enjoy peace of mind while owning your home. If you are looking for the best home warranty companies in Indiana, we have all the information you need.  

Top 7 Best Home Warranty Companies in Indiana

Compare Indiana Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
The Home Service ClubSiteQuickest Coverage$50-$63$60-$95N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

Indiana Home Warranty Costs 

For most Indiana homeowners, the decision to purchase a home warranty plan will come down to the cost of the plan. The plan must be affordable for it to make sense as an investment. The Indiana home warranty costs will vary depending on the coverage chosen and the type of home. However, at Review Home Warranties, we felt like Indiana homeowners needed to understand the average home warranty costs on the market. We did some in-depth research to determine the averages across several different home types in Indiana.

Type

Average Annual Premium

Overall

$710.67

Single Family Home

$575.22

Multi-Family

$1,089.84

Townhome

$490.69

Condo

$612.00

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$645.22

Indiana Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for Indiana homeowners. When comparing Indiana home warranties, we had to look at things like coverage costs, customer service, service fees, BBB ratings, plan choices, workmanship guarantees, and more. Here are our reviews of the top 7 best home warranty companies in the state of Indiana.  

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Indiana. Choice Home Warranty's contract are extremely simple and straightforward. As an Indiana homeowner with a Choice Home Warranty policy, you will understand fully what is covered under your home warranty plan with ease. In addition,  Choice Home Warranty has a variety of systems and appliances covered under both of its home warranty plan choices so you don't have to choose between the two. The overall fair pricing and excellent customer service is also what sets Choice apart from other home warranties in Indiana. With 13 years in the home warranty industry, Choice Home Warranty is a plan that all Indiana homeowners should consider. 

Pros

Cons

Comprehensive plan options

It won’t allow for custom plan build-out

Simple contract

 

Fair overall pricing

 

Reasonable service fees

 

Good sign-on incentive 

 

Plans, Pricing and Coverage

Choice Home Warranty only offers two plans for a customer to choose between. However, both of these plans feature a mix of system and appliance coverage. Having a combination plan ensures that you won’t have to decide between the coverages that matter most to your home. The Basic plan covers 13 items for $45 per month while the Total Plan covers 17 items for around $53 per month. Choice offers high coverage caps on systems; most of the individual items are covered up to $2500. This is an excellent option for Indiana homeowners with high-end systems and appliances.

Here's a closer look at Choice Home Warranty's plans:

  • Basic Plan ($42 per month): The Basic Plan is a great option for Indiana homeowners looking for a plan with good value. It covers a total of 14 systems and appliances including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, ductwork, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is the best and most popular option offered by Choice Home Warranty. This plan covers all 14 of the appliances and systems included in the Basic Plan, plus four more coverages: washer, dryer refrigerator, and air conditioning. For more comprehensive coverage, this plan is the most ideal option.
  • Optional add-ons: Starting at $5 per month, there are multiple add-ons you can add to either plan including central vacuum, septic tank, sump pump, well pump, pool, spa, roof leaking, and stand-alone freezer. 

Plans

Cost Per Month

Services Fee

Basic Plan

$45

$85

Total Plan 

$53.33

$85 

What Customers Are Saying

"Technician was great, friendly and professional, was a difficult job and he wasn't leaving until it was complete. Thank you" – Dwayne G.

Read our Choice Home Warranty Review for more information.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Indiana homeowners. American Home Shield will allow Indiana homeowners to build a complete custom plan to fit their homes. The plan customization includes choosing covered items and customizing the service fee and overall pricing of the plan. If you want to feel like you have some control over your Indiana home warranty, this is the plan to choose. With more than 50 years in the home warranty industry, American Home Shield will be a tremendous asset to your Indiana home and protect your systems and appliances for years to come.

Pros

Cons

Been around for more than 50 years

A premium-priced policy 

Built out custom plans and add on options

 

Customizable pricing 

 

Add on coverage choices

 

Plans, Pricing and Coverage

American Home Shield coverage is considered to be some of the best on the market. Indiana homeowners with high-end appliances will find that the $2500 policy limit on most covered items is higher than most other providers. There are three American Home Shield plans to choose from: ShieldSilver, ShieldGold and ShieldPlatinum. ShieldSilver is a systems only plan that starts around $30 per month whereas ShieldGold is a combo plan that starts around $40. ShieldPlatinum is the most popular plan, offering comprehensive coverage for as low as $59.27 per month. The service call fees offered by AHS are $75, $100 and $125. The more you pay for in your monthly premium, the lower your service fees are going to be. 

Take a closer look at American Home Shield’s Plans: 

  • ShieldSilver™ ($45 per month): ShieldSilver is the cheapest plan offered by AHS. It is a systems-only plan and any appliance coverage you want would have to be added as an add-on. The systems included are air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. 
  • ShieldGold™ ($55 per month): ShieldGold includes 23 home systems and appliances. There's a mix of items, such as clothes washers, heating system, trash compactor, microwave, electrical system, and more. This is one step up from ShieldSilver because it comes with coverage on a few appliances.
  • ShieldPlatinum™ ($79 per month): ShieldPlatinum is the best option for Indiana homeowners because of its broad coverage. There are 27 items covered, with annual maximums reaching as high as $2,500. This plan is a great investment for homeowners looking for comprehensive coverage on an array of major home appliances and systems.
  • Optional add-ons: AHS offers a few add-ons for any of the three plans. Those include pool and spa, electronics, television, septic systems, and well pumps.

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-$44.27

$75 - $125

ShieldGold

$39.27-$54.27

$75 - $125

ShieldPlatinum

$59.27-$74.27

$75 - $125

What Customers Are Saying

"I've had nothing but positive experiences with AHS. Immediately upon submitting service requests, AHS has promptly responded with the name of the assigned contractor, each of which promptly contacted me to schedule service calls. Each contractor assigned was courteous, responsive, professional and competent. Except for the initial acknowledgement of the service request by AHS, most communication was between the contractor and me, which I preferred. While AHS doesn't pay for everything--a common misconception and frankly an unrealistic expectation--their service has saved me a considerable amount of money, even despite what I would consider reasonable policy exclusions. I'm grateful I have AHS and have been pleased with the service they provide."Chris L.

For more information, Read our American Home Shield Review.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty company in Indiana. Select Home Warranty has been on the market for nine years, and they will ensure that you see the value in your home warranty plan. With fair pricing, free roof leak coverage, and impressive workmanship qualifications, Select Home Warranty can be a smart home warranty plan choice. The three plan options that you can choose from with Select Home Warranty also make it an excellent choice for first-time homebuyers. If you're looking for comprehensive coverage that will fit within your budget, Select is the right company for you.

Pros

Cons

Impressive customer service

Lower policy limits

Clearly defined coverages and exclusions

Not great for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans, Pricing and Coverage

Select Home Warranty offers three plan options: the Gold Care Plan, the Bronze Care Plan, and the Platinum Care Plan. The Platinum Care Plan is the best value from Select Home Warranty because it has comprehensive coverage for around only $65 per month. The Bronze Care Plan is an appliance-only plan, where as the Gold Care plan is a systems-only policy, but both are offered at the same price of $60 per month. Select also has an extremely affordable service call fee of $60 each time a technician pays a visit to your home.

Take a look at Select Home Warranty’s plan options:

  • Bronze Care Plan ($41 per month): The Bronze Care Plan is an appliance-only plan that includes garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. For the price, seven systems covered is a steal. 
  • Gold Care Plan ($41 per month): The Gold Care Plan is offered at the same price as the Bronze Care plan, but covers six systems: air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. 
  • Platinum Care Plan ($47 per month): The Platinum Care plan has the best overall coverage because it includes all of the systems and appliances in both Bronze Care and Gold Care. It's only a couple dollars more, but combines both the other two plans and adds ceiling fans, garage door opener, and plumbing stoppages to cover a total of 16 items. Select Home Warranty's policies also come with free roof leak coverage.
  • Optional add-ons: Select Home Warranty offers a few optional coverages that can be added to any of the plans. The items offered are pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying

"The technician that serviced my appliance was awesome. He called to see if he could come earlier and I agreed. He was very professional and didn’t take a long time. He was all about his business. I will recommend Select Home very highly."Daphnee G.

To get more information read our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is the best home warranty company for quick coverage in Indiana. The Home Service Club has been operating for more than 12 years, and has since built a strong reputation as a trusted home warranty provider. The Home Service Club does not require a home inspection prior to the start of the policy, unlike other home warranty companies in Indiana. Also, if all of the covered items are in working condition, the policy will start just 10 days after the contract start. This is unheard of in the home warranty industry because most companies have a waiting period of at least 30 days. In addition to a quick coverage start, HSC also offers fair coverage limits and includes a broad range of systems and appliances.

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

Only a 10-day waiting period

Not BBB accredited

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

There are two plan options from The Home Service Club: the Standard Coverage Plan and the Comprehensive Coverage Plan. The Standard Coverage Plan has a limited mix of systems and appliances, but for a basic plan it has a high number of coverages at 18 total. The Comprehensive coverage is a more comprehensive plan option because it covers 27 items and runs under $63 per month. The Home Service Club allows customers to choose their service fee at the start of their policy. The service call fee options are $60, $75, and $95.

Here's a closer look at HSC's plans:

  • Standard Coverage ($50 per month): The Standard Coverage plan offers more coverage than most other "basic plans" on the market. Of the 18 items covered in this plan, included is air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan is the most broad home warranty option from HSC. With 27 covered items, it's hard to beat this plan. This policy includes all of the items in the Standard Coverage Plan plus gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. 
  • Optional add-ons: The Home Service slub offers 12 add-on coverages such as spa and spa heater, well pump, plumbing sprinkler, free-standing freezer, water softener, service line, and more. 

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“The guy who came over reminded me a lot of my husband, who is working abroad as a banker. The difference is the guy Home Service Club sent over is much better with tools. He was a master at fixing outside sewer lines. Thank you HSC!" Harry C.

Find out more information by reading our HSC Review.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for those looking for a valuable and highly rated company in Indiana. With only two years under its belt, Liberty Home Guard is a relatively new home warranty company to the market. However, in that period of time, Liberty Home Guard has managed to earn an A rating with the BBB, which is almost unheard of for home warranty providers. When you read these Liberty Home Guard reviews, you will see that the workmanship guarantee and the time to repair are highly rated, as well as the company's professionalism. In addition, Liberty Home Guard offers a number of add on or optional coverages to help Indiana homeowners with unique home features. 

Pro

Cons

BB Rating of an A

Option plan choices are a bit higher in price

Overall fair pricing

The price increases quite a bit for comprehensive plans 

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans, Pricing and Coverage

The three Liberty Home Guard policies are Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard plan tends to be the most popular overall choice because it combines the other two plans and only costs a few dollars more. Every plan runs under $80 per month and has high coverage limits, upward of $2,500 per item. Appliance Guard and Systems Guard are great for Indiana residents looking for only one type of coverage, but if you're looking for a more broad home warranty, Total Home Guard is the way to go. Liberty Home Guard also has a service fee of $75. 

Take a closer look at LHG's protection plan options:

  • Appliance Guard ($69.99 per month): Appliance Guard from Liberty Home Guard offers coverage on 11 appliances, including refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard covers nine major home systems. The systems included are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. 
  • Total Home Guard ($79.99 per month):  Total Home Guard is the best overall home warranty plan because of the comprehensive mix of system and appliance coverage. It's only $5 more than the Systems Guard plan, but has double the amount of coverage.
  • Optional add-ons: Liberty Home Guard has an extremely extensive list of add-on options, including re-key service, pest control, gutter, floor cleaning, lawn sprinklers, wine refrigerator and much more for $49.99 to $299.99 annually.

Plans

Cost Per Month

Service Fee

Systems Guard

$74.99

$75

Appliance Guard

$69.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

“They follow through on their promises. Even from my sales call, the salesperson did not make crazy promises and let me know not everything is always fully covered. He did say they always try their best to save their customers money even on uncovered claims, but sometimes I would have to pay out of pocket for uncovered issues. This all on the sales call! I just appreciated so much being shot straight. Thank you Aaron! Now on to my claims, I’ve had three claims so far with them, two of which were covered and one which was not. The two covered claims saved me $1,200 combined and on the uncovered one, I still saved $200, even though I did have to come out of pocket $500. I spent $650 on my policy and I’m only halfway through the term, so I’m definitely happy with it’s value so far." – Chelsea W.

Get more information from our Liberty Home Guard Review.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Indiana residents looking for extensive coverage. Some home warranty plans will cover a few items and keep them very well protected; others will allow for a blanket-like coverage across the entire home – that is what First Premier offers. First Premier has more covered items than many other policies on the market, even if the coverage caps are lower. The First Premier Home Warranty has a BBB rating of an A- which is very impressive considering that they have been on the market for a very short time. 

Pros

Cons

BBB Rating of A-

Short time on the market 

A newer company that is continually improving 

Not everyone wants to pay upfront for the year

Low costs if you pay upfront 

 

Modern technology and systems in place 

 

Plans, Pricing and Coverage

The two plans from First Premier Home Warranty are very fairly priced and come with a $75 service fee. The coverage included in First Premier Home Warranty policies covers both systems and appliances, but the Premier Plan comes with less. The Premier Plan is considered to be the basic plan, yet it has more than 15 covered items. The more comprehensive Premier Platinum Plan has even great coverage but only costs $7 more. This is why the Platinum Plan is the most popular policy amongst Indiana homeowners.

Look at the details of First Premier’s protection plans:

  • Premier Plan ($43 per month): The Premier Plan is an affordable combo plan option. The 15 systems and appliances included are ceiling fans, plumbing stoppages, oven, cooktop exhaust, dishwasher, trash compactor, garage door opener, garbage disposal, ductwork, electrical system, microwave, plumbing system, sump pump, and water heater. 
  • Premier Platinum Plan ($50 per month): The Premier Platinum is the most broad plan offered by First Premier. It covers all 15 of the items in the basic plan plus air conditioning, heating system, washer, dryer, and refrigerator. For only a few extra dollars, it is worth it for Indiana homeowners to choose this plan in order to protect their whole home.
  • Optional add-ons: First Premier 12 items as optional add-ons, including a free-standing ice maker, roof leaks, stand-alone freezer, septic tank pumping, well pump, water softener, central vacuum, refrigerator ice maker, lawn sprinkler, septic, spa, and pool coverage. 

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying 

"Extremely fast service ! They had someone down at my home for my AC unit same day! Great prices and best of all is that there rates never go up on you!! So happy with First Premier!" – Candy R.

Read our First Premier Review for more information.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship for Indiana homeowners. Cinch Home Services is a company with more than 40 years in the industry that is well known for its above-and-beyond customer service and fair pricing on policies. Cinch Home Services offers a 180-day workmanship guarantee which is more than twice the average rate. Most typical home warranty companies in Indiana only offer labor or parts guarantees that last only 30 to 60 days. Cinch Home Services' repair technicians and service personal are some of the most qualified in the industry. 

Pros

Cons

Long history in the home warranty business

Higher service fees 

180-day workmanship guarantee

Negative customer reviews

Moderately priced plans to choose from 

 

Plans, Pricing and Coverage

Cinch Home Services offers three plan options: The Appliances Plan, the Built-In Systems Plan, and the Complete Home Plan. The latter two plans offer either only appliance or only systems coverage. The Appliances Plan goes for as low at $35 per month and the Built-In Systems Plan can be as low at $40 per month. The Complete Home Plan is the best overall options from Cinch because it covers a total of 32 systems and appliances and can be as low as $49.99. Cinch allows policyholders to choose from three service fee options: $75, $100, or $150. 

Here’s a closer look at Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): This Appliances Plan covers 11 total appliances. The appliances included are microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Built-In Systems plan is a great option for homeowners looking for systems-only coverage. It includes 21 appliances. Those are air conditioner, ductwork, electrical system, water dispenser, heating system, smoke alarms, sump pump, garage door opener, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, water heater, plumbing, and plumbing stoppages, spa, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month):  The Complete Home Plan is the most comprehensive plan option offered by Cinch Home Services. It covers 32 appliances and systems, which is more than whats offered under one plan by almost any other provider. The Complete Home Plan also comes with a $500 homeowners insurance reimbursement.
  • Optional add-ons: Because the Complete Home Plan covers so many items, the add-ons are limited. However, Cinch does off the Premier Upgrade Package, which includes $1,000 for any unexpected costs that may pop up during a claim. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75 - $150

Built-In Systems Plan

$39.99-$57.99

$75- $150

Complete Home Plan

$49.99-$57.99

$75 - $150

What Customers Are Saying

"The representative that took my call was vey clear and precise In the information that was given. i was very please with her willingness to listen and answer my questions and concerns. This was my first time calling to investigate this Warranty Insurance, and was not disappointed"M. Woods

Read our Cinch Home Services Review for more information.

What is a Home Warranty?

A home warranty contract offers you protection against the possible thousands of dollars it costs to repair or replace home appliance and systems. When you get a home warranty policy, it will come with a set monthly premium and service fee. When a covered item has a breakdown, you will submit a claim through an online claims portal or phone number and the provider will send an experienced technician to your home. The technician will repair or replace the item if it is covered under your contract and all you will pay is the service fee. Those usually range from $60-$100, but are different for each home warranty company.

Typical items included in a home warranty policy are electrical systems, HVAC, heating, refrigerator, plumbing, cooktop, oven, ductwork and more. Most home warranty providers also offer a list of add-ons you can add to your plan for a small fee. Those usually include septic systems, well pump, pool coverage, spa, sump pump, rook leaking, and more. In order to get the coverage you want, thoroughly look through the polices you're considering and make sure they include the items you want. Home warranties only cover the normal wear-and-tear of home appliances and systems, not intentional damage, misuse, or neglect.

Home warranties can be purchased by homeowners, sellers, real estate agents, or by landlords who have rental properties. This type of protection is beneficial to anyone looking to save on home repairs.

How to Find the Best Home Warranty in Indiana

At this point, you should feel a bit more confident about the home warranty options that you have to choose from. However, now comes the difficult part of breaking down these choices and choosing the best plan for your Indiana home. Indiana homeowners will want to look for certain differences between policies like plan choices, service fees, and BBB ratings when choosing the best home warranty. Let’s take a look at how you can use these features to choose the best policy for your home. 

Plan Choices 

Most home warranty companies offer three plan choices. These choices are going to be a systems plan, appliances plan, and combo plan. The combo plan is the best choice for Indiana homeowners because of the range of appliances and systems that it can provide. This is why the Choice Home Warranty plans that both contain systems and appliances offer such an excellent value for Indiana homeowners. 

Service Fees 

The service fees associated with a home warranty policy will be paid when a repair or replacement is scheduled. If you are experiencing trouble with your dishwasher or HVAC, the service fee will be paid before the repair. Service fees range in price from around $60 to over $150. Find a company with a service fee that you can afford. 

BBB Ratings

The BBB ratings are an important way to try and get a feel for what a home warranty has to offer. The BBB ratings for home warranty companies are typically in the A and B range. Finding a home warranty that you trust is a big part of this process. The BBB ratings and reviews give you some insight into what being a customer is like. 

Home Warranty Tips for Indiana Residents

While most of the population in Indiana lives in big cities like Indianapolis, Fort Wayne, or Evansville, many Hoosiers prefer to live in the countryside. The home warranty market can offer different coverage packages depending on where you live. Some home warranty companies in Indiana, like Secure Home Warranty, provide coverage for single-family homes only, while companies like Choice Home Warranty include condominiums, apartments, and even trailer homes.

The normal climate in Indiana is very humid, with hot and wet summers. Therefore, humidity may gradually impact the work of home appliances contributing to their wear and tear. This is a good reason why all of them should be included in home warranty contracts.

The best home warranty plans in Indiana always include coverage for major kitchen and laundry appliances. Some home warranty companies in Indiana, including AHS, even have special appliance insurance that covers dishwasher, refrigerator, stove or cooktop, garbage disposal, built-in microwave, and washer and dryer.

Indiana winters tend to get very cold, and summers are hot and humid. This temperature change may have a detrimental effect on the operation of home systems and appliances. Here is the temperature graph for Indianapolis, the capital of Indiana.

As you can see in this graph, winter temperatures in Indiana may go as low as 15°F or -10°C, and in summer, it may be as hot as 90°F or 32°C. Because of these extremes, homeowners should always take good care of their heating and air conditioning systems and have coverage with a home warranty. 

This coverage may help them avoid any unexpected spending on repairs, saving them money in the long run. Service Plus would be the best company to provide coverage for these systems. It covers up to two units for both air conditioning and heating systems under the Platinum plan.

As you can see, whether you live in Indianapolis, Fort Wayne, or Bloomington, there are some tremendous benefits involved with having a home warranty plan in Indiana. The overall climate and weather in the state make homeownership in Indiana a bit more involved. Having a home warranty in place can make all the difference. 

Home Warranty Regulations in Indiana

Once you have selected a home warranty company that fits all your needs, it will be wise to check with the Indiana Department of Insurance whether this company is licensed, bonded, and secured by the Department. The primary purpose of the Indiana Department of Insurance is to protect Hoosiers as they purchase and use insurance products, including a home warranty, to keep their assets and their families from loss or harm.

Final Thoughts

At this point, you should feel as though you can pick an Indiana home warranty with complete confidence. The home warranty will offer you peace of mind and some serious savings. Choice Home Warranty is the best overall home warranty plan in Indiana. With Choice Home Warranty, homeowners can have complete confidence in their plan’s ability to take care of both appliances and systems in the home. One of the things to keep in mind about the Choice Home Warranty is that the plans cover both systems and appliances, and you won’t have to choose coverage for one or the other. It makes sense to get a few different quotes for your Indiana home warranty; when comparing converge and pricing, you can ensure you get the best deal. 

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best 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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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.

Resources for Indiana Homeowners and Home Buyers

  • Indiana Housing Community and Development:  For first-time homebuyers and those who are lower-income, the Indiana Housing Community and Development could have programs that work for your needs. With down payment assistance and mortgage assistance, this is an excellent resource for Indiana homeowners. 
  • Homeownership Assistance Indiana: The US Department of Housing and Urban Development will help Indiana homeowners who are considering purchasing a home or trying to stay in their home during a difficult economic time. This is a federal agency that can offer assistance throughout the United States. 
  • Indiana Rural Development Assistance: The state of Indiana has quite a bit of rural land. For those living in these parts of Indiana, it is essential to look into the Indiana Rural Development Assistance. There are plenty of great programs to help those living in rural Indiana. 
  • City of Gary Down Payment Assistance:  Gary, Indiana, will allow homeowners some down payment assistance if they purchase in the Gary area. Certain qualifications must be met, but this is a great way to get a fairly priced home in Gary, IN. 
  • Indianapolis Neighborhood Housing Initiative: The Indianapolis Neighborhood Housing Initiative is an excellent resource for potential buyers looking in the Indianapolis area. With mortgage assistance, classes, and even home repair loans, this is a program that is well worth considering. 

Recap of Our Top Picks In Indiana 

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Ohio 43 companies available
Ohio Home Warranty
Home warranty Illinois 44 companies available
Illinois Home Warranty
Home warranty Kentucky 38 companies available
Kentucky Home Warranty

Frequently Asked Questions in Indiana

Below are just some of the frequently asked questions we receive about home warranties in Indiana.

Q.

Is an Indiana home warranty worth it?

A.
A home warranty can pay for itself with just one appliance or system malfunction. When you add the protection of all your most important appliances and systems, a home warranty can be a very wise investment in your home repair budget. 
Q.

What are the best home warranty companies in Indiana?

A.
After a close look at nearly 70 home warranty providers, these are the top choices for your Indiana home. We look at value for the money, reputation, and the network of contractors used--along with many other factors--to determine the top picks.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus
Q.

What do home warranties cover?

A.
A home warranty is meant to cover those issues that a homeowner’s insurance policy does not. So if your air conditioner or dishwasher stop working as a result of everyday wear and tear, a home warranty is there to have your back.

Commonly covered appliances include:

  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher

Commonly covered systems include:

  • Electrical System
  • Plumbing System, including stoppages
  • HVAC System, including ductwork
  • Water Heater
Most home warranty providers also offer coverage on items you might not think about, like your garbage disposal, doorbells, or ceiling fans. 

Most home warranty companies also offer optional add-on coverage for things like pool and spa,  sump pumps, well pumps, and limited roof leaks. 
Q.

How much does a home warranty cost?

A.
A home warranty probably costs less than you think. For around $60 per month (and less if you choose an Appliance Plan or Systems Plan instead of a Combo Plan) you can get all your major systems and appliances covered. 

Beyond the monthly premium, there is a charge--called the service call fee--whenever you contact the home warranty company with a claim and they send a licensed contractor to take a look at the problem.

Here is the average for a Combo Plan with the top five providers.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708
Q.

How do I choose a good home warranty?

A.
Here are three steps to take in choosing the right home warranty for your Indiana home.

  1. Research - Look at which companies are available in Indiana. What is included in their Combo Plan? What is their reputation? Do some sleuthing to find out your best options.
  2. Get multiple quotes - Be sure to contact several home warranty companies to get quotes specific to Indiana and to the exact coverage you are looking for.
  3. Read the fine print - Make sure you look carefully at the service agreement before you sign. Understand the coverage, limitations, and exclusions of the policy ahead of time.