Top Best Home Warranty Companies In Kentucky Review

Looking for expert advice on the best home warranty companies in Kentucky?

Great, you’ve come to the right place! This review guide will show you: 

  • What is a home warranty for a Kentucky resident?
  • Why should you have home protection in state of Kentucky? 
  • What should you look for when purchasing an Kentucky home warranty?
  • And much more!

Our experts have collected data from 68+ home warranty companies that offer their services to Kentucky residents, analyzed it, and selected 7 companies that had the best ratings and customer reviews.

Below we present these companies and their stand-out coverage plans to you. Keep reading! 

Editor's Choice

Limited Time: New Customers Get $100 Off
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Best Overall

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

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

  # 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 $100 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
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.0
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
      # 7 First American Home Warranty
    Editorial Rating 94.9
    • Best Customer Service 2020
    • Large and established
    • Plans from $25/m
    • Automatically renewed policy
    • Limited selection of extra coverage

    Disclosure: 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.

    According to US Census data, the population in Kentucky has been growing year-to-year for decades due to a natural increase, as well as immigration from outside of the USA and other states. The center of population of Kentucky is located in Willisburg, Washington County.



    Kentucky population growth

    As the population grows, so does the number of homeowners. In 2017, the population of Kentucky was almost four and a half million people. Of them, 85% lived in the same house for more than a year, and 68% owned the place of their residence, which made them perfect candidates for a home warranty. Kentucky residents who purchase a home warranty make a wise decision protecting their wallets from unexpected costs on household repairs.

    Why do you need a home warranty in Kentucky?

    There are several factors that contribute to a homeowner’s decision to purchase a home warranty in Kentucky. Here we will discuss the most important of them.

    Age of the House

    According to US Census data, the median age of a house built in Kentucky is forty years. This means that many home systems and appliances in these houses have been repaired or replaced or will need a repair or replacement soon. As every homeowner knows, these repairs may be very costly. Kentucky home warranties may make this cost bearable, as their fees usually are much lower than, say, the fees for a replacement of an air conditioning system.

    Location of the House

    Kentucky shares borders with seven states: West Virginia, Virginia, Tennessee, Missouri, Illinois, Indiana, and Ohio. A significant part of eastern Kentucky lies in the Appalachian Mountains. If your house is located in this area in towns like Irvine, Pineville, Cumberland, Elkhorn City, or Middlesboro, it will be wise to protect your plumbing and electrical system under a good home warranty coverage.


    Physical map of Kentucky

    The best home warranty companies in Kentucky, like First American Home Warranty or 2-10 Home Warranty, include coverage of these home systems in their plans.  

    Kentucky is bounded by the Ohio River in the north, the Mississippi River in the west, and the Big Sandy River and Tug Fork to the east. There are also five major internal rivers and three major natural lakes. Kentucky's 90,000 miles of streams provides one of the most expansive and complex stream systems in the USA. Those houses located close to the water are prone to a higher humidity inside, which in turn may have a detrimental effect on the normal wear and tear of home appliances.


    Looking for the Best Home Appliance Insurance? - Read Our Research


    Home appliances covered under a home warrantyThere are dozens of home appliances in your houses. In case you got them new, they came with a manufacturer's warranty. Is it still good or has it expired? Is it worth to extend the manufacturer's warranty or will it be better to switch to a home warranty? How do these two types of appliance insurance compare in terms of coverage? To find the answers to these and many other questions, read our research on the best home appliance insurance.



    Find the Best Appliance Insurance - In Our Reseacrh


    For those homeowners who live in Louisville, Rockport, Madison, and other places close to the water, Select Home Warranty has the best plan that covers home appliances only. It is called the Bronze Care Plan and includes coverage of dishwasher, garbage disposal, refrigerator, oven, built-in microwave, and washer and dryer from only $60 per month or $430 per year.

    Read Also: Which coverage plan is best for my dishwasher?

    Tired of your appliances breaking down? Check out this video from CBC News marketplace and their investigation into busted appliances (dishwasher, fridges, washing machine) to see if their machines will be saved or trashed.

    FAQs for Home Warranties in Kentucky

    Is a Kentucky home warranty worth it?

    A home warranty can come in handy when a system or appliance in your home breaks down outside of the manufacturer’s warranty and outside the parameters of your homeowner’s insurance. When a breakdown occurs, under those circumstances, that is all out of pocket expense for you.
    With a home warranty, specific appliances and/or systems are covered for common wear and tear problems that occur, and out of pocket expenses are limited to the policy premium and limits set out in the service agreement.

    What are the best home warranty companies in Kentucky?

    In our exhaustive research, we’ve looked at over 65 home warranty providers. Here are the top five picks for the state of Kentucky:
    1. Choice Home Warranty
    2. American Home Shield
    3. Select Home Warranty
    4. Amazon Home Warranty
    5. Liberty Home Guard

    What do home warranties cover?

    When your homeowner’s insurance won’t cover a system or appliance malfunction, a home warranty just might. Here is a breakdown of the kinds of systems and appliances a home warranty company will cover:

    Most Common Coverage

    • Refrigerator
    • Oven / Range / Stove
    • Cooktop
    • Dishwasher
    • Clothes Washer
    • Clothes Dryer
    • Built-in microwave
    • HVAC (heating and air conditioning) 
    • Plumbing system
    • Electrical system
    • Water heater

    2. What some cover

    Some providers will also include coverage plumbing stoppages, HVAC ductwork, ceiling and exhaust fans, the garbage disposal, and even standard doorbells.
    Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

    3. What few cover

    Sometimes a home warranty provider will cover items that few others will. Amazon will cover both sides of a duplex, for instance, and American Home Shield offers coverage for a guest unit on your property.

    How much does a Kentucky home warranty cost?

    Home warranty costs are broken into two parts: the monthly premium and the service call fee. The service call fee is paid only when a claim is filed and a licensed contractor is sent by the home warranty company to your home.
    Premiums for the most popular level of coverage, the Combo Plan can range from the mid $40s to around $70 depending on the provider. Here is the average Combo Plan cost of our top five picks:
    Combo Plan
    Top 5 Average
    Service call fees range from around $70 to as much as $150. Often, the higher the service call fee, the lower the premium you pay.

    How do I choose a good home warranty?

    Here the steps you should take to make the best home warranty choice for your situation:
    1. Dig into the data - Find out, like you are doing right now, what is available in Kentucky, which companies have the best coverage, prices, and reputation.
    2. Get the quotes - Coverage prices vary depending on your location and the plan and options you choose. Look at several of your top home warranty providers and ask them for quotes, so you can compare apples to apples.
    3. Read the fine print - Before you make the final decision, make sure you read and understand the terms of the service agreement. 

    Final Words about Purchasing a Home Warranty in Kentucky

    As with any type of insurance, purchasing a home warranty is a good idea for several reasons. First of all, it gives you peace of mind: in case anything breaks, you have it covered. Second, it saves you time: you don’t have to look for any reliable contractors and wait until they have time for you. Home warranty companies in Kentucky will send you their bonded and insured contractors within two days if you don’t have an emergency, or as soon as possible if you do.

    In addition, the best home warranty companies in Kentucky may help you save money as their premiums are lower than a fee for repairing, for instance, your water heater or air conditioner. Finding a home warranty in Kentucky is easy, as many home warranty companies serve Kentucky residents from Louisville to the smallest towns and villages.

    Read Also: System and Appliance Coverage In An Older Home

    A Kentucky home warranty is available not only to the owners of single-family homes, but also for townhome, condominiums, and mobile homes .

    The age of the home also does not matter, as many home warranty companies in Kentucky provide coverage for new construction homes as well as for homes a century old.

    Before you sign a contract with any home warranty company in Kentucky, please read its review carefully to avoid any misunderstandings, such as denied claims, in the future.


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