Top Best Home Warranty Companies In Kentucky Review

Kentucky has a very central location and lots of beautiful land. Homeownership in Kentucky has always been some of the most affordable for first-time homebuyers, and it keeps the real estate market quite active. Living in Kentucky has plenty of positives, but one of the negatives is having to deal with home systems and appliances that need repair or replacement. 

In this guide, we will cover . . .

  • What is a home warranty?
  • 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 2021
  • 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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Best Overall

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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 $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 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 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:

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 the state of 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. Whether you live in Lexington, Louisville, or Henderson, Choice will have coverage available for your home. 


  • Comprehensive plan options
  • Simple contract
  • Reasonable service fees on all repairs 
  • A good sign-on incentive 
  • Average monthly pricing 


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

Plans and Pricing 

There are two Choice Home Warranty plans on the market. Each of the plans has both system and appliance coverage. Homeowners in Kentucky will be quite impressed with the coverage that they get considering the fair monthly pricing. Many companies charge a premium for a combo policy. 

  • Basic Plan: $42 per month 
  • Total Plan: $50 per month 
  • Service Fee: $85 per month 


Another great benefit of the Choice Home Warranty plan is that the coverage limits or coverage caps are quite high. Most of the covered items have up to $2500 in coverage. In addition, most of the main systems and appliances are included in the Choice Home Warranty Total Plan. Some of the most popular coverages for Kentucky homeowners are . . .

  • Plumbing system 
  • Washing Machine
  • Electrical System 
  • HVAC system
  • Oven   

What Customers Are Saying: 

There is something dripping in the basement from one of our pipes and the unfinished section number basement, and I submitted a claim on the app, and a local professional showed up, and they resealed everything, and I haven't had any issues. I haven't had any complaints; the local professionals that they assign to me or that it's been assigned to my claims have come out really quickly, addressed my issues, and provided me with phone numbers in case there are any issues. I haven't really had too much contact with the customer service because everything was super seamless and easy with the apps. They have a security system partnership with guardian, and I forgot to add another camera and the day of the installation, when I called in the customer service quickly contacted guardian and made sure that they had complete the installation of the external camera and I didn't really have to jump through any hoops. It was very seamless on, and they were super helpful.” Source

2. 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 player is quite important. 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. American Home Shield is a name that Kentucky residents trust.


  • Has been available in Kentucky for more than 50 years 
  • Can build out your custom plan with add on options 
  • Customizable monthly pricing 
  • Plenty of add on coverage choices 


  • Considered to be a more premium or expensive policy 

Plans & Pricing

There are three American Home Shield plans to choose from for the Kentucky homeowner. The two combo or comprehensive plans are the best options to consider as they provide the best value. American Home Shield plans have some customizable pricing as well. 

  • Silver Plan: $45 per month
  • Gold Plan: $55 per month
  • Platinum Plan: $79 per month 
  • Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing 


American Home Shield’s coverage is, without a doubt, premium. This company has paid out more in claims than almost any other home warranty company. If one of your covered items has an issue, AHS is going to be a perfect choice. Some of the most popular coverages for Kentucky homeowners under the American Home Shield plan include . . . 

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • Oven
  • Garbage DIsposal 

What Customers Are Saying

 “The American home shield representative was acting Very fast after I posted the service request. I got an email response the next day regarding the service arrangements. I then got a further reminder the day before the scheduled service. I even got notices when the service person was on the way to my home. It was an excellent service.” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Kentucky. As we have mentioned, Kentucky has some very affordable home prices. However, you won’t want to spend all the money you are saving on a home warranty policy. Therefore, take a look at Select Home Warranty and what they have to offer. With low pricing, free roof leak coverage, and more than nine-year on the market, SHW is one of the best options for Kentucky homeowners. 


  • Impressive customer service
  • Nine years in the home warranty industry 
  • Free roof leak coverage 
  • Impressive workmanship


  • Some of the covered items have lower policy limits 
  • Not the best plan for high-end appliances and systems 

Plans and Pricing

The Select Home Warranty plans offer a wide range of coverages. The two least expensive plans cover just appliances or systems. The Platinum Care plan has both systems and appliances included. Overall you will find that the Platinum Care Plan is the most comprehensive option from Select and allows for the best pricing as well. 

  • Gold Care: $41 per month 
  • Bronze Care: $41 per month 
  • Platinum Care: $47 per month 
  • Service Fee: $65 


The great thing about Select Home Warranty coverage is that it comes at a low price. The bad thing is that there is not quite as much depth as you will find with other home warranty companies. The issue is that to keep the price down, Select had to leave off a few coverages. The most popular coverage options for Kentucky homeowners include … 

  • Heating systems 
  • Cooktops
  • Plumbing system 
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

I have had to use the warranty once, and it was so simple to file a claim! My deductible was exactly what I was told it would be if I ever filed a claim! No issues and no screaming matches trying to get it covered! Thank you, Select Home Warranty!” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Kentucky. The Liberty Home Guard policy has been on the market for 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. The impressive customer service has set this company apart. 


  • BBB rating of an A
  • Very professional custom service 
  • 60 Day workmanship guarantee
  • Add on coverage list is very extensive 


  • Optional plan choices tend to be priced a bit high 
  • To get a very comprehensive policy, the price increases quite a bit 

Plans and Pricing

Kentucky homeowners have three plans to choose from, a systems plan, an appliances plan, and a combo plan. Each of the plans is highly rated, yet the Total Home Guard is the most popular among Kentucky homeowners. The service fee associated with Liberty Home Guard is also relatively low. 

  • Appliance Guard: $40 per month 
  • Systems Guard: $45 per month 
  • Total Home Guard $49.99 per month 
  • Service Fee: $60 


Kentucky homeowners that care about broad coverage options and a company that will quickly and adequately respond to your needs will enjoy all that Liberty Home Guard has to offer. The add-on or optional coverages also help ensure that your home’s unique features are well covered. Here are some of the coverages that Kentucky homeowners choose from Liberty Home Guard . . .  

  • Garbage disposal
  • Washer
  • Air Duct
  • Plumbing System 
  • HVAC

What Customers Are Saying: 

The faucet in my kitchen was leaking like a geyser and making a huge mess, called Liberty Home Guard, and although leaks as per their agreement are not covered, they didn’t run from the problem and instead extended courtesy and dispatched a technician who came out and fixed it in 30 minutes, they took a fee of $85, but it was fine. Happy nonetheless.” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Kentucky. If you get one of those warm Kentucky days and your HVAC system goes down, you will appreciate the speedy service from the ServicePlus home warranty. Getting a technician out to the home in sometimes less than 24 hours is a tremendous benefit of this company. 


  • High-quality service technicians
  • Simple contracts 
  • Fastest service in the state of Kentucky 
  • An extensive network of repair technicians to get you faster service 


  • Some emergency services will come with an upcharge or higher fee 

Plans and Pricing

The ServicePlus home warranty has two different policies. The great thing about these policies is that they will have both system and appliance coverage as part of the policy. The Platinum Plan is the most popular option for Kentucky homeowners. 

  • Gold Plan: $42 per month 
  • Platinum Plan : $46 per month 
  • Service Fee: $75 


Overall your main systems and appliances that would be covered under any other home warranty plan will be covered with ServicePlus. Customers that want extra coverages will have several add-on options to consider. Some of the most popular coverages offered by ServicePlus include . . .

  • Dishwasher
  • Garbage disposal
  • Heating System  
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

Total Home Protection was a great service that was recommended to me by friends. After checking the reviews, I decided to get their Platinum warranty. Not too long ago, my hot water heater broke. I called THP and filed a claim with my policy. The customer service rep was super. She arranged for a contractor to come out and take a look. John was on time and very nice. After tinkering with the water heater for a while, he said it would have to be replaced. He spoke to THP on the phone, as did I, and a new hot water heater was selected. Everything was delivered, and he was back to install it. When he drove away, I knew THP was a good choice. The best part is the whole thing only cost me my deductible. Thanks!” Source

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. The First Premier Home Warranty has an A- rating with the BBB, even after just a short time on the market. Both of the plans are combo plans that offer a variety of coverages. 


  • BBB rating of A-
  • Modern technology and systems in place
  • A newer company that is continually improving 
  • Low overall costs if you pay upfront 


  • A short period of time on the market
  • Coverage limits are relatively low 

Plans & Pricing 

The two First Premier home warranties include a Premier Plan and a Platinum Plan. The service fee is relatively low for First Premier, making it one of the more affordable choices on the market. If you pay upfront for the plan, you can get a discount on the monthly pricing. 

  • Premier Plan: $43 per month 
  • Platinum Plan: $50 per month 
  • Service Fee: $75 


The great thing about the First Premier Home Warranty policy is that many of your home systems and appliances are going to be covered. The negative is that the coverage limits are quite low. This is like having a blanket policy across your home, but if an expensive repair were to come up, the plan would not cover it all that well. Here are some of the most popular coverages for Kentucky homeowners. . . 

  • Refrigerators
  • Oven
  • Water heater
  • Stovetop 
  • Plumbing system

Ever since I switched over to First premier, they’ve been super reliable and always quick to help with all the claims I’ve had so far.

Highly recommend working with them! Ask for chase he’s great!” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship in any of the home warranty policies in Kentucky. The Cinch Home Services plan comes with a 180-day workmanship guarantee and more than 40 years in the home warranty industry. 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 
  • Extended 180-day workmanship guarantee
  • Three moderately priced plans to choose from 


  • Higher service fees than other companies 
  • Some negative customer reviews with certain contractors 

Plans and Pricing

The Cinch Home Services policy offers three different plans: an appliances plan, a built-in systems plan, and the Complete Home Plan. The higher pricing of the service fee and plans is partly what allows Cinch Home Services to provide a long workmanship guarantee. 

  • Appliances plan $44.99 per month 
  • Built-In Systems Plan: $51.99 per month 
  • Complete Home Plan: $61.99 per month 
  • Service Fee: $100-$150


The coverage from Cinch Home Services is broad. You will have peace of mind that Cinch Home Services has a good handle on all of the systems and appliances in your home. There is other add-on coverages from Cinch, but you likely won’t need too many of them because of the depth of these plans. Some of the most popular Cinch Home Services plans include . . . 

  • Septic tank
  • Sump Pump 
  • Oven
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

I have used another warranty company in the recent past and ended up canceling them because Cinch is a far superior company. I have been extremely happy with how Cinch triages problems, the quick response times, the fine quality of the contractors and technicians they dispatch, the variety of plan options, and the overall professionalism of the phone representatives. Thank you! Joan I.” Source

Compare Kentucky Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

What You Should Consider Before Buying A 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 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.

Mountainous areas tend to have trouble with proper drainage and the correct pressures when it comes to the plumbing system. A home warranty plan 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.

Nearby States

All states
Home warranty Indiana 41 companies available
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Home warranty Tennessee 39 companies available
Tennessee Home Warranty
Home warranty West Virginia 34 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.