A home warranty in Indiana rapidly increases its value becoming one of the mandatory costs homeowners consider in their yearly home maintenance expenses. By signing a contract with home warranty companies, Indiana residents may not only preserve their peace of mind but also save money. Below, we present the best home warranty companies for Indiana customers.
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Why Do You Need a Home Warranty in Indiana?
There are more than 6.5 million people living in Indiana, and almost 71% of them own their houses. As you can imagine, not all of these houses are new. The median age of the house built in Indiana is 1972, which means that many home systems and appliances have been repaired or replaced or will need repair or replacement in the nearest future.
If you are a homeowner or a home buyer, purchasing a warranty from one of the Indiana home warranty companies may save you money on these repairs and replacements. Many homeowners in Indiana see a home warranty as a money-saving opportunity. The cost of home system repairs can range from hundreds to thousands of dollars. In many cases, home warranty companies in Indiana cover unknown pre-existing defects that were not detected through normal operation, maintenance, or inspection.
In order to help you decide whether a home warranty is the best decision for you, we have created a Home Maintenance Calculator. Now you can compare your repair costs to home warranty costs and see if a home warranty is a good option for you.
Top 7 Best Home Warranty Companies In Indiana
Home Warranty for Home Sellers
If you are a home seller, buying a home warranty will keep your house protected while it is on the market. It will also raise the value of your house in the eyes of potential home buyers regardless of where your house is located—Indianapolis, Fort Wayne, Evansville, or even the smallest Indiana village.
Many real estate agencies in Indiana recommend that home sellers purchase a home warranty, as it protects them from liability on some frequent disputes by a buyer. In addition, homebuyers are less likely to negotiate a price downwards if the house comes with a home warranty. And, if something breaks while the house is on the market, you as a home seller will not spend extra out of pocket money on the repairs. How long the home warranty is going to last depends on the seller. Once you have sold the house, the home warranty can be transferred to the new owner.
Which Home Warranty Company in Indiana Should You Choose?
While the majority 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 2-10 Home Buyers Warranty include condominiums, apartments, and even trailer homes.
Think About Climate
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 Amazon Home Warranty, even have special appliance insurance that covers dishwasher, refrigerator, stove or cooktop, garbage disposal, built-in microwave, and washer and dryer.
The Cheapest Home Warranty Plan - Read Our Research
Are you on a tight budget and looking for the cheapest home warranty plan? Let us help you here. We have completed research on the cheapest home warranty plans from different companies, compared their coverage and prices and described how much you can save if you switch to the cheapest home warranty plan.
Indiana winters tend to get very cold, and summers are hot and humid. This change in temperature 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. Total Home Protection 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.
For home appliances, Amazon Home Warranty, one of the top home warranty companies in Indiana, offers Essential Appliances Plan. For only $40 a month, it includes coverage for such items as a dishwasher, washer and dryer, refrigerator, oven, built-in microwave, trash compactor, and more.
It would be also a good idea to protect the plumbing system to its maximum, as frosts may lead to the erosion of pipes, especially those that were installed more than 10 years ago. First American Home Warranty may be a good option for Indiana residents as it covers plumbing under any of its plans, and the coverage limit is $750 per contract term.
Best Home Warranty In Indiana?
Choice Home Warranty is our top pick in the Indiana home insurance market. Choice has more than 10 years of experience helping landlords insure their properties, offers three extensive plans to choose from and customer service 24/7.
In addition to the regular list of home systems and appliances, many home warranty companies in Indiana offer optional services, such as pest control, roof leak warranty, swimming pool coverage, and more. These services can be added to your home warranty plan for an additional charge per item.
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 main 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 Words About Buying a Home Warranty in Indiana
Home warranties in Indiana are available to any homeowner, home buyer, or home seller, regardless of the location of their property. It is not an easy task to select the company that will satisfy all of your needs. You should consider multiple factors including the company’s reputation, the location and age of your house, as well as climate conditions that may influence the normal operation of your home systems and appliances.
In order to help you make the right choice, we have collected information on the best home warranty companies in Indiana, analyzed it, and now present it here for you. This information was collected from various sources, including company websites and multiple consumer reporting sites, such as the Better Business Bureau and Yelp.
Please read the home warranty company reviews carefully in order to avoid any mishaps due to a lack of knowledge about their terms and conditions. To learn more about a home warranty, please read our What is a Home Warranty - FAQ section or contact us if your questions are not covered there.