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.

Editor's Choice
97.0

Limited Time: New Customers Get $100 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

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 97.5
  • $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 97.0
  • 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 95.8
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.6
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 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 95.0
  • Get $100 Off Most Popular Plan!
  • 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 American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy

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.

Why Do You Need a Home Warranty in Indiana?

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.

Do you own an investment property? If so, check out this article on rental coverage!

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.

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.

Read Also: What Are The Leading Companies For Home Sellers?

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.

Home appliance warrantyThink 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.

 

Which Home Warranty Plan Is The Cheapest? - On Our Research

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.

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.

Best Home Warranties in Indiana Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Amazon Home Warranty Review

  • Service Fee: $75 – $125
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.60

Visit Website

(866) 423-4555

amazon home warranty

Why Do We Like Amazon Home Warranty?

The Amazon Home Warranty is one of the best options for homeowners. The Amazon Home Warranty has only been around for a little more than ten years. However, in that time, they have been able to put together some great coverage options across 46 states. At Amazon Home Warranty, you will get more of that small company feel that many of us look for in great companies today.

When you look at all of the companies out there, you will find that some stand out from the crowd. From the website to the customer service, to the plan versatility, Amazon Home Warranty has everything a homeowner could want. They have created relationships with over 50,000 contractors around the country. With a base like this, you can get your issues fixed quickly and without spending more of your time and money.

The most refreshing thing about this company is how simplistic its plans are. When you want to find out what the Amazon Home Warranty will cover and what they won’t, you can easily do so on their website. You won’t have to worry so much about fine print and exclusions with Amazon Home Warranty. Since this is a more modern and streamlined younger business, it's very easy to stay on track with what they are offering and how they can help you.

In addition to the essential appliance and system plans, Amazon Home Warranty offers a combo plan option and add-on coverage for those homeowners with specific needs. When it comes to policy limits and exclusions, the Amazon Home Warranty will be very similar to other options on the market.

Policy On Pre-Existing Issues or Older Units?

Like other home warranty companies, Amazon will cover issues due to wear and tear on older models; however, they will not cover problems that have already occurred to your appliances or systems. There is a 30 day waiting period when you first sign up for new coverage that you will have to abide by before your plan truly starts. If your refrigerator is currently broken, you will need to fix it before Amazon Home Warranty covers it. For a newly purchased home, Amazon Home Warranty is going to want to see an inspection report before they are able to fix or cover an issue in your home.

Pros

  • Younger, more modern company
  • Wide coverage
  • Add on options
  • Over 50,000 certified contractors Nationwide
  • Easy to work with a smaller team of customer service agents

Cons

  • Lost their BBB accreditation and are in the process of getting it back
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem

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.

Read Also: System and Appliance Coverage In An Older Home

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.

 

Nearby States

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Home warranty Kentucky 36 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. Amazon Home Warranty
  5. Liberty Home Guard
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.