Top Best Home Warranty Companies In Kentucky Review

Written By: Amy Galloway

Edited by: Andrew Dunn

Whether you live in Louisville, Lexington, Bowling Green, or out in the beautiful country, Kentucky has something for every homeowner. Folks in Kentucky get the pleasure of living in all four seasons, specifically having hot and humid summers and cold winters. Although living in Kentucky has plenty of positives, one of the negatives is having to deal with home systems and appliances that need repair or replacement due to normal wear and tear. A home warranty company in Kentucky can help and offer you peace of mind. 

In this guide, we will cover . . .

  • What is a home warranty in Kentucky?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home Kentucky home warranty companies in 2023
  • And much more!

Kentucky home warranties should cover both systems and appliances in a home. If your refrigerator or the electrical system starts to experience an issue, you will want your home warranty plan to be able to cover both issues. These repair and replacement expenses can get relatively high without a home warranty in place. 

If you are looking for the best home warranty companies in Kentucky, we have all the information that you will need.

Editor's Choice

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Most Affordable

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Best Home Warranty Companies in Kentucky

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • All plans have comprehensive coverage. Most other home warranty plans cover either just systems or just appliances.
  • Choice’s coverage caps are $3,000 per item, per year for most major systems and appliances beating the industry average.
  • Choice Home Warranty doesn't exclude older homes, so you can still get coverage regardless of the age of your property.
  # 2 Liberty Home Guard
Editorial Rating 98
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.6
  • With over 52 years of experience and 1.7 million customers AHS has a long history in the industry.
  • American Home Shield, lest you choose a service fee that works for your budget.
  • Coverage caps for systems are unlimited across all three plans and are either $3000 or $6000 for appliances.
  # 4 Select Home Warranty
Editorial Rating 97.2
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee
  # 6 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  # 7 Cinch Home Services
Editorial Rating 96.5
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 24/7 customer service
  • Low cancellation fee

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.

Top 7 Best Home Warranty Companies in Kentucky

Compare Home Warranty Providers

ProviderBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantyBest Overall$45 - $53$85D+
Liberty Home GuardBest Customer Service$45 - $54$75A-
American Home ShieldMost Customizable$25 - $75$75 - $125B
Select Home WarrantyMost Affordable$44 - $48$60B-
Americas First Choice Home ClubBest For Customization$46 - $68$75 - $125B
First American Home WarrantyBest Appliance Coverage$52-$77$75 - $125B
Cinch Home ServicesBest Add On Coverage$45 - $62$100 - $150B

Kentucky Home Warranty Costs 

Home warranty costs will vary depending on the protection plan you choose and the type of home you have. In addition, things like add-on coverage or optional choices will also change the overall pricing of a Kentucky home warranty service. Before calling around for a quote, it is crucial to consider the average costs of a Kentucky home warranty. With costs being one of the determining factors for homeowners, we put together some averages that Kentucky homeowners may benefit from. At Review Home Warranties, we analyze things like service fees, overall pricing, coverage caps, and more. Here are our average home warranty costs across a wide range of Kentucky home types. 


Average Annual Premium



Single Family Home








Home Over 5,000 sq. ft.


Home Under 5,000 sq. ft.


Kentucky Home Warranty Companies Reviews

Kentucky homeowners are lucky to have more than 65 home warranty companies to choose from. However, it also becomes challenging to decide which one is best for your home with this many companies on the market. We compared plan coverage, optional coverage choices, service fees, pricing, cancellation policies, BBB ratings, customer service, and more to come up with the best Kentucky Home Warranty companies on the market. Here is a review of the top 7 best home warranty companies in Kentucky. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in Kentucky. One of the most important things to look for in a home warranty company is a simple and straightforward service contract. You will always want to know exactly what is covered under your home warranty plan. Choice has one of the simplest plan structures on the market and has been in business for more than 13 years. In that time, Choice Home Warranty as built a robust network of industry professionals across the United States and created two optimal plan options for homeowners in Kentucky. Whether you live in Lexington, Louisville, or Henderson, Choice will have coverage available for your home. 



Comprehensive plan options

Choice won’t allow you to build out a plan the way other home warranty companies do

Simple contract

Only two plan options

Reasonable service fees on all repairs 


A good sign-on incentive


Average monthly pricing 


Plans, Pricing and Coverage

There are two Choice Home Warranty plans on the market: the Basic Plan and the Total Plan. Each of the plans has both system and appliance coverage. The Basic Plan covers 13 items, whereas the Total Plan covers those plus four more: air conditioner, washer, dryer, and refrigerator. Homeowners in Kentucky will be quite impressed with the coverage that they get considering the fair monthly pricing under $55 per month. Choice's service fee may seem high at $85 per instance, but it is evened out by the low monthly payments.

Take a look at Choice Home Warranty plan options:


  • Basic Plan ($45 per month): This plan offers basic coverage to CHW customers. It covers 13 total items such as 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 ($53.55 per month): This is a more comprehensive plan option that covers all of whats in the Basic Plan plus five more items. These include washer, dryer, air conditioning and refrigerator. This is the more popular plan option and comes with higher coverage caps up to $3,000.
  • Optional Add-ons: Choice also offers several optional add-ons to you Kentucky home warranty coverage such as pool, spa, septic, central vacuum and more. 


Cost Per Month

Service Fee

Basic Plan



Total Plan



What Customers Are Saying 

"CHW has truly been great. Very professional technicians. Appts are made quickly and reminders are sent. Have been very happy and satisfied w CHW. Absolutely recommend"Randee L.

For more information, read out Choice Home Warranty Review.

2. Best Reviewed: Liberty Home Guard 

Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in Kentucky. Liberty Home Guard's policies have been on the market for only two years. In those two years, they have managed to earn an A rating with the BBB. Most home warranty companies have a B rating or worse. Also in that time Liberty Home Guard has built a repertoire of positive customer reviews mostly praising their excellent customer service, low claim denial rate, and overall professionalism. The impressive customer service has set this company apart and allowed it to rank among the top home warranties in Kentucky. 



BBB rating of an A

Optional plan choices tend to be priced a bit high

Very professional custom service

To get a very comprehensive policy, the price increases quite a bit

60 Day workmanship guarantee


Add on coverage list is very extensive


Plans, Pricing and Coverage

Kentucky homeowners have three plans to choose from with Liberty Home Guard: Systems Guard, Appliances Guard and Total Home Guard. Each of the plans is highly rated, yet the Total Home Guard is the most popular among Kentucky homeowners because it offers coverage on 20 systems and has high coverage limits for under $80 per month. Systems Guard covers nine systems and Appliance Guard covers 11 appliances, while Total Home Guard combines the two for only $5 more than the Systems Guard plan. The service fee associated with Liberty Home Guard is also relatively low for Kentucky homeowners, which helps make up for the high monthly premium cost.

Here are more details on Liberty Home Guard's policy options:

  • Appliance Guard ($45 per month): The Appliance Guard plan from Liberty Home Guard covers 11 appliances, including a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. Most of these coverages have an annual limit of $1,500.
  • Systems Guard ($49.83 per month): Systems Guard covers nine major home systems. These include air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. There are higher coverage caps on systems because they are more expensive to repair or replace.
  • Total Home Guard ($54.33 per month): Total Home Guard is the best plan option because it combines the two other plans to have double the coverage, but only cost a few dollars more per month. With complete coverage and high maximums, this plan has become the most popular option for homeowners in Kentucky.
  • Optional add-ons: Liberty Home Guard has an extensive list of more than 20 add-on items. More unique items included are re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerator—The cost for these range from $4-$25 per month.


Cost Per Month

Service Fee

Appliance Guard



Systems Guard



Total Home Guard



What Customers Are Saying 

"I am impressed by Liberty Home Guard’s high standards. Their wait times are very low (compared to other home warranty companies I’ve had in the past) and everyone I interact with there acts professionally and seems to really care about helping. Chris helped me on my most recent experience and because of his quality service and communication, I felt the need to leave this positive review for him and Liberty."Rocco S.

To learn more, read our Liberty Home Guard Review.

3. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Kentucky homeowners. Having the ability to add and subtract coverages from a policy so that it fits your needs as a homeowner is quite important. AHS allows you to not only customize your plan, but the company gives you the option choose your service fee from $75-$125. This makes any home warranty plan from AHS fit into your monthly budget. American Home Shield is a plan that has been on the market for more than 50 years and has become known as the premium name in the home warranty industry. With several thousand service technicians across the United States, American Home Shield is a name that Kentucky residents trust.



Has been available in Kentucky for more than 50 years 

Considered to be a more premium or expensive policy

Can build out your custom plan with add on options 


Customizable monthly pricing 


Plenty of add on coverage choices


Plans, Pricing and Coverage

There are three American Home Shield plans to choose from for the Kentucky homeowners: ShieldSilver, ShieldGold and ShieldPlatinum. The two combo plans, ShieldGold and ShieldPlatinum are great options to consider as they provide the best value. ShieldSilver covers 17 systems and ShieldGold covers 23 systems and appliances. The more comprehensive ShieldPlatinum plan covers 27 appliances and systems, including air conditioning, heating system, roof leaks, water plumbing, toilet and more. American Home Shield plans have some customizable pricing as well, allows you as the policyholder to choose your service fee of $75, $100 and $125. A higher service fee means you'll pay a lower monthly payment.   

Here's a closer look at AHS's protection plans:

  • ShieldSilver™ ($35 per month):  ShieldSilver is an excellent systems-only plan that covers a total of 17 items. These include air conditioning, electrical system, doorbells, garage door opener, water heater, smoke alarms, attic fans, bath exhaust fans, ceiling fans, cooktop exhaust, garbage disposal, ductwork, heating system, locksmith, plumbing and stoppages, toilet, water dispenser, and whole house fans. 
  • ShieldGold™ ($55 per month):  ShieldGold is a tier 2 combo plan that offers coverage on plenty of appliances and systems. It covers many items in ShieldSilver plus refrigerator, dishwasher, washer, dryer, oven and microwave to allow for more full coverage. 
  • ShieldPlatinum™ ($85 per month): ShieldPlatinum is the optimal plan for Kentucky homeowners. This plan covers an incredible 27 total systems and appliances and offers annual coverage limits upwards of $2,500 on many of those items. If you're looking for comprehensive coverage that will protect your entire home, this is the best option for you.
  • Optional add-ons: AHS has several add-on options including well pumps, septic system, pool, spa, electronics, and television.


Cost Per Month

Service Fee



$75 - $125



$75 - $125



$75 - $125

What Customers Are Saying

"We just used our home warranty for the first time. The service from AHS was fantastic! Timely response and claim coverage. We needed a part ordered and it was done quickly. The service company they sent out was excellent and extremely professional. Very happy with our experience!"Lisa G.

Read our American Home Shield Review for more information.

4. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty company in Kentucky. Although Kentucky offers more affordable housing than most other states, most homeowners don't want to spend a fortune on a home warranty policy. With low pricing, free roof leak coverage, and more than nine-year on the market, Select Home Warranty is one of the best options for Kentucky homeowners. You can get excellent coverage for under $65 per month on your Kentucky home. Moreover, Select offers one of the lowest service fees in the industry, making the overall cost of the policy even more affordable. For comprehensive coverage at a monthly rate you can afford, go with Select.



Impressive customer service

Some of the covered items have lower policy limits 

Nine years in the home warranty industry

Not the best plan for high-end appliances and systems

Free roof leak coverage


Impressive workmanship


Plans, Pricing and Coverage

Select Home Warranty offers three home warranty plans in Kentucky: the Bronze Care plan, which covers seven appliances; the Gold Care plan which covers six systems, and the comprehensive Platinum Care plan. The Platinum Care plan covers both systems and appliances covered in the individual plans plus three more items: ceiling fan, garage door opener, and plumbing stoppages. . Overall you will find that the Platinum Care Plan is the most comprehensive option from Select and allows for the best pricing as well. Select has one of the lowest service fees of all home warranty companies in Kentucky at $60 per service call. 

Take a closer look at the plans Select Home Warranty offers:

  • Bronze Care Plan ($44.42 per month): This appliance-only plan overs a total of seven appliances. These include garbage disposal, dishwasher, dryer, microwave, oven, refrigerator, and washer. For the price, this is an excellent option for basic appliance coverage.
  • Gold Care Plan ($44.42 per month): The Gold Care Plan is a systems-only policy, covering six systems. There are less systems covered because the cost to repair or replace systems is considerably higher. The covered items are A/C, ductwork, electrical, heating, plumbing, and water heater. This plan is the same price as the Bronze Care Plan.
  • Platinum Care Plan ($47.75 per month): This is the most comprehensive and popular option among KY homeowners. The Platinum plan combines the other two plans to cover a total of 16 systems and appliances. The additional coverages include ceiling fans, garage door opener, and plumbing stoppages. You can't beat this price for type of combo coverage.
  • Optional Add-ons: There are several add-ons offered by Select including pool, spa, septic system, lawn sprinkler, stand-alone freezer, central vacuum, well pump, and sump pump. Roof leak coverage comes with every plan option.


Cost Per Month

Service Fee

Gold Care



Bronze Care



Platinum Care



What Customers Are Saying

"I woke up this morning and it was freezing. NO HEAT! Called and put in the claim and about 1 hour later I received a call from the tech telling me that he could be at my house around noon. He came, he saw and he conquered!!! The heat was on by 1pm and the house has never been warmer. Great job. Thanks Select!!"Anne R.

For more information read our Select Home Warranty Review.

5. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship in any of the home warranty policies in Kentucky. Cinch Home Services plans comes with a 180-day workmanship guarantee, which provides you assurance that the work done on your home systems and appliances will hold or be re-evaluated for free for up to 6 months. Almost all other home warranty providers in Kentucky only offer workmanship guarantees up to 30 or 90 days. Cinch also brings you more than 40 years of experience in the home warranty industry, promising not only extensive industry knowledge but unparalleled professionalism. This is a trusted company that offers moderate pricing and easy-to-access customer service representatives.



More than 40 years in the home warranty business

Higher service fees than other companies 

Extended 180-day workmanship guarantee

Some negative customer reviews with certain contractors

Three moderately priced plans to choose from 


Plans, Pricing and Coverage

Cinch Home Services offers three different plans: the Appliances Plan, a Built-in Systems Plan, and the Complete Home Plan. Cinch offers coverage on more items than most home warranty companies in Kentucky, with over 30 items covered in the Complete Home Plan. The Appliances plan just covers 11 items and Built-in Systems Plan covers 21 items. The higher pricing of the service fee and plans is partly what allows Cinch Home Services to provide a long workmanship guarantee. Cinch offers three service fee options: $75, $100 and $150. A higher service fee means a lower monthly payment. However, you won't find this type of extensive coverage with any other home warranty provider.

Here are more details on Cinch Home Services plan options:

  • Appliances Plan ($44.99 per month): The Appliance Plan covers 11 appliances in your home. These include 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 covers almost double the amount of item at 21 total systems covered. For only a few bucks more per month, this is an ideal systems-only plan. Systems included are air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month):  The Complete Home Plan combines both the Appliances Plan and the Built-In Systems Plan to cover a total of 32 items. This is the most comprehensive options of the three plans, as well as one of the more inclusive options of all home warranty companies in Kentucky. This plan also comes with a $500 reimbursement for homeowners insurance.
  • Optional add-ons: Cinch offers three add-ons: including pool, septic systems, and well pump. Cinch also offers its Premier Upgrade Package, which includes $1,000 for unforeseen costs that may occur during a claim.


Cost Per Month

Service Fee

Appliances Plan


$100 - $150

Built-In Systems Plan


$100 - $150

Complete Home Plan


$100 - $150

What Customers Are Saying

"I was assisting a friend with enrolling in the Cinch home warranty plan, and we had to complete the process via a conference call. And, each representative we engaged was professional, polite, patient, and thorough in assisting us. All warranty plans were explained with pricing, and all inquiries were answered to our satisfaction. On another note, I have been enrolled with Cinch (Total Home Protect) for more than 15 years, and I believe that I have only had one or two slight mishaps with a contracted service provider. Nevertheless, once I reported the same to this company, another service provider was immediately assigned to the job, and all issues were corrected to my complete satisfaction."J. A.

Read our in-depth Cinch Home Services Review for more information.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Kentucky residents that want extensive coverage for their home. First Premier Home Warranty has an A- rating with the BBB, even after just a short time on the market. In that time, First Premier has built a name for itself as one of the top companies providing home warranties in KY due to having a simple claims process, broad coverage plan options, and several add-ons to make plans even more comprehensive. The company offers two plan options, but both of the plans are combo plans that offer a variety of coverages. First Premier's industry-low monthly premiums also allow you to get you the coverage you need at price you can afford.



BBB rating of A-

A short period of time on the market

Modern technology and systems in place

Coverage limits are relatively low 

A newer company that is continually improving


Low overall costs if you pay upfront 


Plans, Pricing and Coverage

The two First Premier home warranties include a Premier Gold Plan and a Platinum Plan. If you pay upfront for the plan, you can get a discount on the monthly pricing. The Premier Gold Plan covers 14 items and can go for as low as $35 if you pay in an annual lump sum. The Platinum plan covers those 14 plus five more (washer, dryer, air conditioner, heating, and refrigerator) for as low as $43 if you pay annually as well. The service fee of $75 is relatively low for First Premier, making it one of the more affordable choices on the market. Although the coverage limits on First Premiers plans may seem low, the low cost monthly premiums and service fees allow you to get your moneys worth in a short period of time.

Here are more details on First Premier's plan options:

  • Platinum Plan ($40 per month): This plan covers 15 total items, including ceiling fans, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system and stoppages, sump pump, and water heater. 
  • Premier Platinum Plan ($48 per month): The Premier Platinum plan has a total of 20 covered systems and appliances and runs for under $50 per month in Kentucky. These include the 15 in the Gold Plan plus air conditioning, heating system, washer, dryer, and refrigerator. Although many coverages have lower monthly premiums, First Premier offers high caps of $1,500 on A/C and heating with this plan.
  • Optional add-ons: There are 12 optional coverages 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.


Cost Per Month

Service Fee

Premier Plan



Platinum Plan



What Customers are Saying

"First Premier is the best company! We are amazed at the service they've been providing us. We signed up 3 of our properties and it was the best decision we've ever made! Recommend to everyone in need of a warranty." - Sam C.

Read our First Premier Review for more information.

7. Best for Quickest Coverage: The Home Service Club

The Home Service Club is the best home warranty company for quick coverage in Kentucky. Most traditional home warranty providers require a 30-day waiting period before your policy begins. With HSC, your home warranty plan will be effective starting just 10 days after you sign the contract. You will get your money's worth back quicker and keep your appliances and systems in tip-top shape with an HSC plan. The Home Service Club has been operating for more than 12 years, and is known for its excellent customer service teams and professionalism. If you need coverage ASAP, The Home Service Club is the provider for you.



No inspection needed before the police starts

Higher service fee options
Only a 10 day waiting periodNot BBB accredited
Both plans offer extensive coverage 

Plans, Pricing and Coverage

The Home Service Club offers two plan options: The Standard Coverage Plan and the Comprehensive Coverage Plan. Each plan provides exactly what it sounds like. For under $50.40 per month, the Standard plan covers 18 basic systems and appliances. The Comprehensive Coverage Plan offers more broad coverage by adding nine items to cover a total of 27 appliances and systems for only $62.90. HSC also offers several add-on coverage. HSC allows customers to customize their service fee of $60, $75 or $90 at the start of their policy.

  • Standard Coverage ($46.25 per month):  The standard coverage plan offers basic coverage on 18 items. These include air conditioners, ceiling fans, dishwasher, garbage disposal, dryer, electrical system, food center, microwave, oven and more.
  • Comprehensive Coverage ($58.75 per month): This plan offers all-inclusive coverage to better fit your home needs. There are 27 total coverages, including the 18 in the Standard plan plus alarm wiring, phone, toilet, water dispenser gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, and whole house exhaust.
  • Optional add-ons: HSC offers 12 add-on coverages you can add to your policy for a fee. They typically start around $5.00 a month. HSC also offers a Utilities and Home Service Line Coverage package that covers your outside gas line, water line, sewer line, and lawn sprinkler system. 


Cost Per Month

Service Fee

Standard Coverage



Comprehensive Coverage



What Customers Are Saying 

"HSC was really nailing my first encounter with them. Their officials know their products very well. I was quite an inquisitor, but they replied point by point to all my issues. I've been blown away."Gervais R.

Read our The Home Service Club Review to learn more.

What is a Home Warranty?

A home warranty is a service contract that will save you several thousands on the cost of home system and appliance repairs and replacements. The provider covers the cost of the fixes beyond your monthly premium and service fee. Monthly payments usually range from $45-$75 and service fees typically range from $60-$100. You will only pay your service fee when a technician visits your home. A home warranty policy only protects against normal wear on the appliance and systems in the home. 

In order to use your policy, you will submit a claim via an online portal system, and the home warranty company will respond within 24-48 hours to set up an appointment for you with a technician. Your provider will hire top-rated technicians in your area to come and service your covered items when needed, and you will only pay the service fee. 

In order to find the best home warranty in Kentucky, it is important to check what coverage comes with the plan you select. If you want coverage on a specific item, be sure to choose a policy that has high coverage maximums on that item. However, its better to just choose a policy that covers a wide range of system and appliances.

How to Find the Best Home Warranty in Kentucky

Now that you have the best home warranty plans in Kentucky, narrowed down to the top seven choices. We have to start to look at which of these seven policies will be the best fit for your home. There are lots of elements that separate one plan from another but three of the most important are the plan choices, overall pricing, and the optional coverages. 

Plan Choices 

The plan choices include things like system, appliance, or combo coverage. Having the ability to choose between a systems-only plan or a plan that covers all of the appliances and systems in a home is a great opportunity. Companies that have reasonably priced comprehensive plans tend to be the best choice for Kentucky homeowners. 

Overall Pricing

The overall pricing of the plan must take into consideration the monthly pricing, service fees as well as cover caps and limits. Overall pricing is one of the factors that will help home warranty customers make the best decision for their home.  

Optional Coverages

If you are looking for coverage for things like a pool, spa, sprinkler system, or central vacuum, the optional coverages are the place to look. For Kentucky homeowners, the Liberty Home Guard plan has some of the most comprehensive options for the optional coverages included in the plans. 

Home Warranty Tips for Kentucky Residents

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. Suppose your house is located in this area in towns like Irvine, Pineville, Cumberland, Elkhorn City, or Middlesboro. In that case, it will be wise to protect your plumbing and electrical system under good home warranty coverage.

Kentucky population growthAs 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.

Homeownership in Kentucky has always been some of the most affordable for first-time homebuyers, and it keeps the real estate market quite active

Mountainous areas tend to have trouble with proper drainage and the correct pressures when it comes to the plumbing system. A home warranty covers systems and appliances and is a smart backup to have in place in case you should experience an issue. 

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 provide one of the USA’s most expansive and complex stream systems. 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.  

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. The Bronze Care Plan includes coverage of dishwasher, garbage disposal, refrigerator, oven, built-in microwave, and washer and dryer for a very low monthly price. 

Whether your home is located in Louisville, Lexington, or Bowling Green, you will experience issues with your home that will need your attention and your money. The state of Kentucky is a great place to live, but you will rely heavily on several different systems and appliances. 

Home Warranty Regulations in Kentucky

Not all states are going to regulate home warranties. This makes it difficult for a Kentucky homeowner to choose a reputable company to deal with for your home. Luckily the top seven choices on our list are all well-respected companies with a national presence. In states where there is not much regulation of home warranties, it can make sense to choose a plan that has been in the industry for quite some time. 

Final Thoughts

We hope that you now feel confident about choosing the best home warranty company for your Kentucky home. Homeownership can be one of the best and worst experiences of your life. Ensuring that a home warranty adequately protects your home will ensure that you have peace of mind and a savings account! The Choice Home Warranty is the best overall home warranty plan on the market. If you want a basic and straightforward policy, very little fine print, and a company that cares quite a bit about you and your home, Choice is the best option in Kentucky.

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 Kentucky Homeowners and Home Buyers

  • Kentucky Weatherization Benefits: The Kentucky Weatherization benefits can help ensure that your home is ready to handle any weather-related event that comes your way. For Kentucky homeowners struggling to fix wind and rainwater damage issues, the Weatherization benefits are an excellent resource to have. 
  • FHA Down Payment Assistance Grants:  Down payment assistance can come from various sources and is an excellent way for new homeowners to save some money upfront. When you take advantage of one of these grants, be sure to protect the home with a good home warranty. 
  • Kentucky Homeownership Protection Center: For those struggling with owning a home in any way, the Kentucky Homeownership Protection Center can help you get back on track. Contact them today for mortgage and finance issues related to homeownership. 
  • Kentucky Home Repair Related Expenses: Some homeowners struggle with getting their Kentucky home warranty started. This is because home warranty companies require all appliances and systems to be in working condition. This article may help you find some assistance so you can start your home warranty plan. 
  • Lexington Kentucky Homeowners Assistance: If you live in the Lexington area, this website provides a wide range of useful information for homeowners. This is a resource all Lexington homeowners should look into. 

Recap of Our Top Picks In Kentucky 

  # 1 Our Top Choice Liberty Home Guard
Editorial Rating 98.00
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 2 Cinch Home Services
Editorial Rating 95.30
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 24/7 customer service
  • Low cancellation fee
  # 3 First Premier Home Warranty
Editorial Rating 95.10
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Great promotions available
  • Market veteran
  • Large and established firm
  # 4 The Home Service Club
Editorial Rating 94.90
  • 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 ServicePlus Home Warranty
Editorial Rating 95.10
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First American Home Warranty
Editorial Rating 95.70
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available

    Nearby States

    All states
    Home warranty Indiana 41 companies available
    Indiana Home Warranty
    Home warranty Tennessee 39 companies available
    Tennessee Home Warranty
    Home warranty West Virginia 35 companies available
    West Virginia Home Warranty

    Frequently Asked Questions in Kentucky

    Below are just some of the frequently asked questions we receive about 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. Liberty Home Guard
    5. Service Plus

    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:

    1. 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.