Indiana offers many benefits to homeowners, including the pleasure of experiencing all four seasons, low cost of living and taxes, and top-tier universities. However, those perks don’t come without their fair share of downfalls. The frigid winters and humid summers can cause extensive wear and tear on the home’s appliances and systems.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

An Indiana home warranty can protect you from the cost of repairs and replacements of those major home systems and appliances, protecting your home and budget. Our experts reviewed and ranked the best home warranty companies in Indiana so you can find the best fit for you.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Best Home Warranty Companies in Indiana

Even though Indiana offers some of the most affordable housing in the United States, Hoosier homeowners still need to have at least 1% of their home’s purchase price earmarked for inevitable home maintenance expenses. In other words, given that the average median home value in Indiana currently sits around $140,000, local homeowners should have at least $1,400 on hand for unexpected system and appliance repairs.

By signing up with one of the best home warranty companies listed below, you can secure annual coverage ranging from $500-$3,000+ per item in your home, all for a fixed monthly or annual payment.

Liberty Home Guard: Best For Customization

Compare the Best Home Warranty Companies in Indiana

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$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 2023. Cost data are updated and monitored continuously.


How to Find the Best Home Warranty in Indiana

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. 

Year after year, the number one cause of claim denials industry-wide is due to misunderstood coverage terms. It’s always exciting to see a long list of inclusions offered by a home warranty provider, but it’s incredibly important to familiarize any provider exclusions just as carefully. By understanding what isn’t a covered item from the get-go, you’ll significantly reduce your odds of having a claim rejected.

All maintenance expenses covered by your home warranty provider will only be paid out within a specified annual limit per item. Once you’ve surpassed that maximum, you’ll be responsible for paying any remaining amount out-of-pocket. Prioritize a provider with generous coverage limits, especially if you have high-end appliances or systems, as state-of-the-art items will be more expensive to repair or replace.

All reputable home warranty providers require their customers to pay a service fee per each new service request that is filed and approved. Service fees are actually a sign of an ethical provider as this deductible is used to compensate contractors for labor costs and any other outlying expenses. If you’re on a budget, consider a provider with a customizable service fee, which can be adjusted to accommodate your personal financial plan.

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 which both contain systems and appliances offer such an excellent value for Indiana homeowners. 

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. 


How Much Do Indiana Home Warranties Cost?

According to our recent nationwide study on home warranties, the average cost of a home warranty in Indiana is around $650 per year or $54 per month. The Indiana average is about the same as nearby Midwest states but slightly higher than the national average of $601 among the providers listed on our site. But the actual costs of your home warranty can be slightly higher or lower depending on the provider and plan you pick, the size of your home, and whether you add any optional plan riders. 

In addition to your monthly premium, you need to pay a service fee for each new claim you file. These service fees are charged for each visit by a technician to complete a repair. Service call fees usually range from $60 to $150 per appointment. Through our market research, we found that $76.55 is the industry average for service call fees. Along with service call fees, another thing you might have to pay for is any overages above the coverage cap for your repairs. 

Coverage caps are the maximum limit for repairs on a particular home system or appliance. Your home warranty provider sets these caps, which last for the full contract term. For example, if the coverage cap for your refrigerator is $2,000 and it needs two repairs totaling $2,250 within a year, you will have the pay the extra $250 over the coverage cap. 

The average annual coverage limit for appliances and systems is about $3,072. So, we recommend you choose a provider that has a minimum coverage of $3,000 for essential items in your home. You can refer to a sample contract to view the limits. Homeowners can add optional plan riders to their home warranty plans, too, which usually have separate coverage caps. They usually have a maximum limit of $500 per year but vary depending on the item and provider. Choosing a plan with larger coverage caps helps protect you from any surprise overage charges on repairs of your home systems and appliances.

Home Warranty Cost Calculator

Our home warranty cost calculator can help you determine the yearly costs associated with a home warranty plan. Input your estimated monthly premium, service call fee, and the number of claims you anticipate to calculate your yearly home warranty cost.

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

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 and homeowners insurance, to keep their assets and their families from loss or harm.

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. 

Our Reviews of the Best Indiana Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

Our experts rated Liberty Home Guard (LHG) 4.5/5 stars as the most trustworthy home warranty in Indiana. It takes a lot to gain the trust of thousands of customers in just three short years on the market, and LHG has continued to impress real customers and other home warranty industry professionals.

The company has a strong commitment to customer service and following through on its contracts. This is the only home warranty company with an A rating from the Better Business Bureau (BBB) and tons of positive customer reviews to back it up. Overall, Liberty Home Guard does a great job covering issues in your home and allowing for a much better experience with your home warranty company.

Only leading home warranty company with an A rating from the Better Business Bureau
Over 41 add-ons options including coverage for unique home services like carpet and gutter cleaning
All repairs are covered by a 60-day guarantee
Lower-than-average annual coverage caps
Multiple add-ons can get expensive quickly

There are three plans from Liberty Home Guard. These are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are value plans that do not have comprehensive coverage. Liberty Home Guard is known for its extensive list of add-on coverage and more notable options than other companies on the market. Liberty Home Guard’s coverage caps are fair, with most being around the $1500 mark. The service fee associated with the plan is $75, slightly below the industry average.

Here’s a detailed look at Liberty Home Guard’s coverage:

  • Appliance Guard ($64.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door openers, ceiling fans, cooktop exhaust fans, ovens, refrigerators, garbage disposals, dishwashers, built-in microwaves, clothes washers, clothes dryers, and built-in ice-makers. We’d most recommend this plan to first-time homebuyers in Indiana.
  • Systems Guard ($69.99 per month): The System Plan offers nine systems coverages. These systems include electrical systems, air conditioning, bath exhaust fans, heating systems, toilets, ductwork, plumbing and plumbing stoppages, and water heaters. Systems Guard is slightly more expensive simply because of the generally higher cost of repairing home systems.
  • Total Home Guard ($74.99 per month): The Total Home Guard plan covers 20 items and is the only catch-all plan offered by LHG. Total Home Guard offers the best protection, and for just a few dollars more per month, it makes sense to choose this plan level from the get-go.

Liberty Home Guard has the most exhaustive list of optional add-ons compared to any other leading provider, with optional coverage for:

  • Pools and spas (includes chlorine and saltwater set-ups)
  • Sump pumps
  • Well pumps
  • Central vacuum
  • Septic system pumping
  • Sewage ejector pumps
  • Grinder pumps
  • Limited roof leak repairs (only applies to patching over occupied areas of single-family homes)
  • Standalone freezers, ice-makers, second refrigerators, and wine coolers
  • Instant hot water dispensers
  • Reverse osmosis filter systems
  • Sprinkler systems
  • Water softener
  • Light fixtures
  • Plumbing fixtures
  • Electronic protection
  • Re-keying (cover re-keys for two lock cylinders per contract term)
  • Guest unit coverage (up to 750 square feet)
  • Carpet and gutter cleaning
  • Gutter cleaning
  • Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)
  • Window washing (does not include interior cleaning)
  • TV mounting (for up to 65-inch or 85-inch TVs)
  • Pest control
  • Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

American Home Shield (AHS) offers a level of customizability in its home warranty plans that no other provider in Indiana can currently compete with.

American Home Shield customers can customize both the plan and payment options to fit the specific needs of their Indiana home. It offers $75, $100, and $125 service fee options which makes the monthly payments more flexible. With over 50 years in the business and a BBB rating of B, American Home Shield is one of the most trusted home warranty companies.

Customers can choose from three service call fees ($75, $100, or $125)
The oldest home warranty provider with over 50 years of experience
Covers items damaged by improper installation and undetected pre-existing conditions
Higher premiums than competing providers
Customers can’t choose their own contractor

American Home Shield is a premium home warranty provider with three plan options for Indiana homeowners. The plans include the ShieldSilver systems plan, the ShieldGold combo plan, and the ShieldPlatinum comprehensive plan. The three plans from American Home Shield can be used as-is or customized to meet your Indiana home’s needs. In addition, the service fee is customizable to ensure that this plan fits within your budget. The prices on our chart are based on a $100 service fee.

Here’s a detailed look at American Home Shield’s coverage:

  • ShieldSilver ($39.99 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical systems, smoke alarms, water heaters, doorbells, garage door openers, heating systems, plumbing, and ductwork. Most of the systems on this plan include coverage caps of around $2500. The only issue with this plan is the lack of appliance coverage.
  • ShieldGold ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus clothes washers, dishwashers, clothes dryer, built-in microwaves, ovens, and refrigerators. ShieldGold is one of the most popular plans because it has both system and appliance coverage for a fair value.
  • ShieldPlatinum ($64.99 per month): ShieldPlatinum is one of the best policies on the market for Indiana homeowners. You will greatly benefit from this comprehensive coverage of more than 27 systems and appliances if you can afford this monthly pricing. ShieldPlatinum has many other benefits, including a $1000 credit for unexpected expenses like permits.

You can maximize your home warranty coverage through AHS with the following coverage add-ons:

  • Electronic extended warranty (includes an unlimited number of devices including TVs, tablets, laptops, home theater systems, smart home features, and more)
  • Guest units (up to 750 square feet)
  • Roof leak repairs
  • Pools and spas (does not include above-ground or portable pools)
  • Well pumps
  • Septic pumps (only includes sewage ejector pumps and mainline stoppages)
PlanCost Per Month ($75 service fee)Cost Per Month ($100 service fee)Cost Per Month ($125 service fee)
ShieldSilver$44.27$34.27$29.27
ShieldGold$54.27$44.27$39.27
ShieldPlatinum$74.27$64.27$59.27
Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!
Overview

Choice Home Warranty (CHW) offers the overall best home warranty coverage in the state of Indiana. We rated CHW 4.9/5 stars as a leader in the home warranty space for cost-effective premiums and dedication to quality customer service.

Why We Chose CHW

Choice has been in business for more than 14 years and maintains a B rating with the Better Business Bureau (BBB). CHW’s coverage plans are available in 49 states, so the transferability of the policy is relatively easy if you ever move out of Indiana.

Doesn’t require an initial home inspection or previous maintenance records for sign-up
Includes a 90-day guarantee on all repairs
Includes a 90-day guarantee on all repairs
Offers 24/7/365 claims processing and customer service
Standard plans are not customizable

Though CHW’s coverage only spans two base plans — Basic and Total — both offer combined protection for your home’s essential appliances and systems. One of the best things about Choice Home Warranty is that its annual coverage caps are quite high. These maximums for many covered systems and appliances reach up to $3000 per item. The nonadjustable service fee associated with either of Choice’s plans is $85.

Here’s a detailed look a Choice Home Warranty’s coverage:

  • Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing systems, ceiling fans, garbage disposals, heating systems, cooktop exhaust fans, microwaves, dishwashers, ductwork, electrical systems, garage door openers, ovens, toilets, and water heaters.
  • Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the Basic Plan, plus clothes washers/dryers, refrigerators, and air conditioning. The full-scale coverage that this plan level provides, especially for air conditioning, makes this the best policy option for Indiana homeowners.

Alongside its standard coverage, Choice Home Warranty also offers nine optional plan add-ons, including:

  • Roof leak repairs (for single-family homes only)
  • Central vacuum
  • Septic tank pumping
  • Septic systems (does not includes leach lines, field lines, or lateral lines)
  • Sprinkler systems
  • Well pumps
  • Sump pumps
  • Pool and spa (for in-ground set-ups only)
  • Standalone ice-makers and second refrigerators
  • Trash compactors
PlanCost Per MonthAnnual CostService Fee
Basic Plan$45$560$85
Total Plan$53.33$660$85
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

We found Select Home Warranty (SHW) to be the most cost-effective option for Indiana homeowners and rated the company a 4.8 out of 5 stars based on our methodology.

SHW’s plans are not only extremely affordable because of their fair pricing of under $48 per month, but also because they help Indiana homeowners access quality repair work for their home appliances and systems, so that repeat servicing is rarely necessary. The list of inclusions you get with Select is quite extensive, and they also include free roof leak coverage with each policy.

Over a decade of experience in the home warranty industry
Up to $400 in annual roof coverage included for free with any plan level
Policyholders who pay annually rather than monthly will receive two free months of coverage
Lower coverage caps on some appliances and systems
30-day workmanship warranty is significantly less than competing providers

Select Home Warranty has three plans for its customers to choose from. The Gold Care policy is an appliance plan, whereas the Bronze Care is its systems-only plan. The Platinum Care plan, SHW’s most comprehensive coverage level, is a combo policy with the best overall coverage for Indiana homeowners. Coverage caps from Select Home Warranty are slightly lower — in the $200 to $500 range — as indicated by its low monthly pricing. The service fee from Select Home Warranty is also one of the lowest at $60 per appointment.

Here’s a detailed look at Select Home Warranty’s coverage:

  • Bronze Care ($44.42 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops.
  • Gold Care ($44.42 per month): Gold Care is very similar to the Bronze Care plan, except it only offers coverage for systems. The six major home systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Some coverage caps are as high as $2000 with this plan.
  • Platinum Care ($47.45 per month): The Platinum plan is the best overall option from Select Home Warranty because it covers 16 items. Having both system and appliance coverage for this fair price is well worth it. As you can see, the difference in pricing is just a few dollars per month for double the coverage.

For up to 30 days after the purchase of your standard coverage, you can add the following additional coverage riders to your SHW policy:

  • Central vacuum
  • Lawn sprinkler systems
  • Septic systems
  • Built-in ice-makers (does not cover freestanding ice-makers, dispensers, valves, or water lines)
  • Pools and spas
  • Standalone freezers and second refrigerators
  • Sump pumps
  • Well pumps
  • Plumbing fixtures (including showerheads, faucet filters, shower arms, etc.)
  • Light fixtures (including smoke detectors, outlets, electrical switches, fluorescent fixtures, etc.)
PlanCost Per MonthAnnual CostService Fee
Bronze Care$44.42$479.99$60
Gold Care$44.42$479.99$60
Platinum Care$47.75$524.99$60
Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

Limited Time:
$200 off + free roof leak coverage

AFC Home Warranty provides the best additional benefits for a home warranty. It offers the best repair guarantee, allows you to select your own contractor, and processes claims quickly, making it a top choice among Indiana homeowners. It has four home warranty plans which cover various appliances and home systems with an additional 11 optional plan riders to cover even more. Optional add-ons are great for Indiana homes that have uncommon appliances and systems, like pools, spas, well pumps, and central vacuum systems.

AFC Home Warranty has four plans to meet the needs of homeowners in Indiana. There are separate plans for just appliances, just home systems, and two that combine home systems and appliances with a different number of covered items. AFC is a great choice for first-time and settled homeowners who want to prevent unexpected expenses and repairs. Homeowners also have the option to choose from 11 add-ons for coverage of additional appliances and systems not included in the standard plans.

AFC’s monthly home warranty premiums are lower than the national average, making it a cost-effective option for homeowners in Indiana. Additionally, this provider offers coverage caps of $3,000 per item per year, minimizing the chances of out-of-pocket expenses for service repairs, apart from the service call fee.

Unlike other home warranty providers, AFC Home Warranty

lets homeowners choose their own contractors for warranty repairs. As such, Indiana residents can use a contractor they know and trust instead of someone they’re unfamiliar with. AFC offers an outstanding lifetime guarantee for all home warranty repairs they complete for as long as you have a contract with them. If a repair of theirs fails months to years later, you won’t pay any additional service fees or charges. Most competitors offer 30 to 90-day repair guarantees, making AFC the leader in this aspect.

Lifetime guarantee on completed repairs
Choose your own contractor
11 optional add-ons for customization
30-day waiting period for claims over $150
Lower caps on certain items like faucets

AFC offers four plans that provide coverage for six to 18 home systems and appliances, which is greater than the average number offered by most providers.

  • System Plan ($50 per month): The System Plan provides coverage for six essential home systems, including air conditioning, heating, plumbing, electrical, and ductwork. It is best for Indiana homeowners who don’t need appliance coverage.
  • Silver Plan ($43 per month): The Silver Plan covers nine major home appliances, including clothes washer, clothes dryer, refrigerator, garbage disposal, oven, dishwasher, and garage door opener. It is the most affordable option and best for those who only want their appliances covered. 
  • Gold Plan ($57 per month): The Gold Plan provides coverage for 15 items or all the items covered in the Silver and System Plans. This bundle is the best price and a top choice among Indiana homeowners. 
  • Platinum Plan ($62 per month): This plan covers everything the Gold Plan does with the addition of ice makers, built-in microwaves, and attic fans.

AFC Home Warranty provides 11 optional add-ons for Indiana homeowners to enhance their plans. Each add-on costs $25 to $300 each per year.

  • Central vacuum – $25 per year
  • In-ground pool – $100 per year
  • In-ground pool and spa – $150 per year
  • Double oven – $25 per year
  • Electronic coverage – $300 per year
  • Hot water dispenser – $25 per year
  • Sump pump – $35 per year
  • Well pump – $50 per year
  • Roof leak repair – $25 per year
  • Septic system – $50 per year
  • Stand-alone freezer – $25 per year

Local Home Warranty Companies in Indiana

Finding the best home warranty in Indiana can be challenging if you’re looking for coverage in a local city or coverage specific to Indiana homes. Our experts also reviewed and ranked the top Indiana home warranties in popular cities.


What Is a Home Warranty?

A home warranty is a renewable service contract that is designed to specifically guarantee financial coverage for your home’s major appliances and systems as they gradually fail due to normal wear and tear Most home warranty agreements offer coverage for a 12-month policy period, which can be renewed at the start of each year.

Home warranties offer protection from unexpected repair costs on your home appliances and systems. Customers pay a monthly or yearly premium along with a service call fee, and in return, the provider covers the repair expenses for all eligible items. That said, all home warranties have limitations and exclusions.

As an example, home warranties have coverage limits, which is the maximum amount your provider will pay for repairs. Additionally, not all types of failures are covered by providers. Suppose you accidentally knock over your clothes washer while moving it to vacuum behind it. In this case, your home warranty won’t cover any of the damages. What it does cover are any breakdowns from normal wear and tear.

The more often you use an appliance or home system, the more wear and tear it will experience. So will the chance of it breaking down. For example, Indiana homeowners need to run their furnaces for seven to eight months each year. Compared to homes in the South, Indiana furnaces will have much more wear and tear. 

Home warranty companies usually offer two to four plan levels. An appliance-only plan, a home systems-only plan, and a combined plan are typical plan options. That said, the number of plans available varies by provider. Some offer just two options, while others offer four or more. Homeowners can also add several optional add-ons. These add-ons are beneficial for additional items like second appliances, well pumps, roof leak coverage, pools, and other items that are not included in a standard plan.

All home warranty plans have certain exclusions. Generally, damage that is not from normal wear and tear is typically excluded. A sample contract from a specific provider will have a full list of exclusions. The most common exclusions include:

  • Cosmetic damage
  • Natural disaster damage
  • Improper or no maintenance
  • Intentional damage
  • Accidental damage
  • Misuse of appliance or system

How Does an Indiana Home Warranty Work?

When a covered system or appliance does eventually break in your home, putting your Indiana home warranty benefits to use is simple:

  1. File a Claim: You must file a claim with your home warranty provider as soon as you notice a problem with one of your appliances or systems. This can be done over the phone with a customer service representative or online through your customer portal. Claims are typically processed within 24-48 hours, but in emergency situations, the decision process can sometimes be expedited.
  2. First Home Visit — The Diagnosis: Before an expensive repair or replacement occurs, your home warranty provider will send a pre-approved local technician out to your home to assess the issue in person. Once the contractor has a sense of the level of maintenance required, they’ll report back to your provider with a price estimate for the job. Keep in mind that you’ll be responsible for paying a service fee at this point in the process.
  3. Second Home Visit — The Repair or Replacement: The final repair will take place promptly after your provider receives the price estimate from your technician. Beyond the initial service fee, you won’t owe anything further. With that being said, any maintenance costs that exceed the annual coverage limits disclosed in your contract may result in additional charges on your behalf.

With a home warranty in place, you’ll be covered for repairs and replacement across a wide range of major home appliances and built-in systems when they eventually break down due to regular wear and tear. While each home warranty company has its own set of inclusions and exclusions, there are several top choices that provide a worthwhile cost-to-value ratio.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs about Indiana Home Warranties

How much does a home warranty cost in Indiana?

An Indiana home warranty will range in price from around $35 a month to $75 a month. The higher-priced plans will have quite a bit of add-on coverage options and typically a very low-priced service fee. Higher-priced plans often cover the home more extensively and have things like pool and spa coverage added to the monthly costs.


What is a service fee?

A service fee is a price you pay when you need to schedule a repair for your home. The service fee will include the diagnosis of the issue and the actual repair costs involved. For most repairs and replacements for homeowners, the service fee is the only cost homeowners incur.


What is the best home warranty in Indiana?

The best home warranty company in Indiana is Choice Home Warranty. Choice has spent more than 13 years in the industry, and they do a great job of handling customer service requests and issues that come up. In addition, the overall affordability of the Choice Home Warranty plan is quite good.



More Indiana Resources


Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Meredith Kucik

Meredith Kucik

Meredith Kucik covers home warranties, company reviews, real estate, personal finance, and all things homeownership for Today's Homeowner. She has published work in local and national media publications across the home services category, reaching various consumers from homebuyers to sellers to real estate professionals. Meredith graduated from the University of North Carolina at Wilmington in 2021 with a Bachelor of Fine Arts in Creative Writing.

Learn More

photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

Learn More

Browse by City