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

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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 $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
  • $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 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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 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
  # 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: 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.


Best Home Warranties in Kentucky 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).


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


  • 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!


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


  • 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!


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


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

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.


  • 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


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

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus 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!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

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.


Nearby States

All states
Home warranty Indiana 39 companies available
Indiana Home Warranty
Home warranty Tennessee 37 companies available
Tennessee Home Warranty
Home Warranty West Virginia Flag
Home warranty West Virginia 32 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.