Updated on
January 3, 2023
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Best Home Warranty Companies In Indiana 2023
Temperatures in Indiana fluctuate heavily from 10°F in winters to 90°F in Summers. These severe fluctuations can strain home systems and appliances due to overuse, resulting in breakdowns. We’ve listed the best home warranty companies in Indiana to help residents safeguard their household and finances by investing in an ideal home warranty plan.
Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
The costs of repairs and replacements of household items In Indiana without a home warranty can be expensive. As a homeowner, investing in a home warranty will save you money on appliances and systems maintenance.
Indiana Home Repair And Replacement Cost
This section will cover the average repair and replacement cost of major home systems and appliances used in an Indianan household.
Now that you are familiar with how costly it is to maintain your home, it is wise to go for a home warranty.
$200 Off + 2 Months Free Coverage
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$200 Off + Upto 3 Months Free
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$150 off + Free roof coverage + 2 months free
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Top Home Warranty Companies In Indiana
Go through some of Indiana's top-rated home warranty companies in this section.
- Choice Home Warranty : Best For Comprehensive Coverage
- American Home Shield (AHS) : Best For Claims Settlement
- Select Home Warranty : Best For Affordable Premium
- Liberty Home Guard : Best Response Time
- First American Home Warranty : Best For Transparency
- Cinch Home Services : Best Customer Satisfaction
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Premium (Monthly)
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Coverage Limit
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Workmanship Guarantee
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Covers Pre-Existing Conditions
An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions. |
USPs
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$46-$55 | Upto $3K/item | 60-Day | No | No Extra Fees For Coverage Of Up To 5000 Sq. Ft. Homes | |
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VIEW MORE | $39-$60 | $6K-Unlimited | 30-Day | Yes (Unknown) | Hvac Tune-Ups |
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$60-$65 | $3k/Item | 90-Day | No | Free Roof Leak Coverage | |
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$35-$50 | $2k/Item | 60-Day | Yes (Unknown) | Add-Ons include pest control | |
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$30-$44 | $2,500 | 30-Day | No | Unlimited Service Calls Over The Year | |
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$27-$51 | $2k/Item | 180-Day | Yes (Unknown) | $25 Credit Towards A/C |
Best Home Warranty Companies In Indiana: Reviewed
By reading this section, you will know about Indiana’s top home warranty companies, their plans, pricing, and much more.
Choice Home Warranty
Best For Comprehensive Coverage
3.5 / 5
Free coverage for a month + roof coverage
Choice Home Warranty has been in the business for over two decades and is known for its easy-to-understand plans. The company is a good option as it has a lower deductible and affordable premium, along with 24/7 customer service.
Pros
- 30 days repair guarantee for a repaired item
- Provides free coverage for roof leak
Cons
- Doesn’t offer the freedom to choose your own technician
Plans and Coverage
Choice Home Warranty offers only two plan choices to the homeowners- Basic Plan and Total Plan. Both plans include crucial home systems and appliances. While the Basic Plan covers 14 items, including the heating and plumbing systems. The Total Plan covers 18 items, including ductwork and an air conditioning system.
Cost
The Basic Plan is around $46 monthly, and the Total Plan is around $54. Your deductible can also range from $75-$150.
$50
| $46.83 | $46.83 | Basic Plan |
|---|---|---|
| $54.75 | $54.75 | Total Plan |
Exclusions and Coverage Limit
In the Choice Home Warranty’s contract, there is a limit of $3000 for repairs, replacement, or diagnosis of included items.
Here are some other exclusions:
- No coverage for damages due to neglect, unforeseen circumstances, or lack of maintenance.
- Pre-existing conditions are also not covered.
American Home Shield (AHS)
Best For Claims Settlement
American Home Shield has been in the home warranty industry since 1971. It is popular amongst homeowners because of its unlimited coverage (unknown pre-existing conditions included) and comprehensive plans. They can be an option for Indianans looking for unlimited coverage at nominal prices.
Pros
- Unlimited coverage for systems
- Undetectable pre-existing conditions covered
Cons
- 30 days workmanship guarantee
Plans and Coverage
American Home Shield provides three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers 14 items, including but not limited to a garage door opener, water heater, and air conditioner. ShieldGold includes 23 items, including a refrigerator, doorbell, and chimes. Lastly, ShieldPlatinum is a comprehensive plan including items from both the plans and some additional items.
Cost
American Home Shield plans can start from $19 to $70 monthly, depending on the chosen deductible options: $75, $100, and $125. You will have to pay a lower premium if you choose the higher deductible.
$50
| $19.99 | $19.99 | ShieldSilver |
|---|---|---|
| $39.99 | $39.99 | ShieldGold |
| $69.99 | $69.99 | ShieldPlatinum |
Exclusions and Coverage Limit
Here are some of the exclusions according to the American Home Shield contract:
- Mold, rot, fungus, and damage due to pests;
- Regular maintenance, flues, exhaust lines, and venting;
- Chimneys, cosmetic damage, home management systems, monitoring systems.
There are also dollar limitations on how much the company is liable for repairing and replacing any included item. In the contract, the company has stated that you can get unlimited dollar limits on systems and $6k on appliances.
Select Home Warranty
Best For Affordable Premium
4 / 5
$150 off + two months of free coverage + free roof coverage
Select Home Warranty offers affordable plans, exclusive deals, and services matching the industry standard. Additionally, their nationwide presence and free roof-leak coverage make them worthy of consideration for home warranty customers in Indiana.
Pros
- Free roof-leak coverage offered
- Guarantee of 90-day on workmanship
Cons
- Lower caps on coverage
Plans and Coverage
Select Home Warranty is known to offer three plans: Bronze Care, Gold Care, and Platinum Care along with free roof coverage in each plan. The Bronze Care includes major appliances, and the Gold Care plan includes major systems. However, if you are looking for a combined plan, Platinum Care offers holistic systems and appliance coverage.
Cost
The cost of Bronze Care and Gold Care is $45 monthly, while Platinum Care is $50 per month. The service fee can vary depending on your location from $60-$100.
$50
| $45.67 | $45.67 | Bronze Care |
|---|---|---|
| $45.67 | $45.67 | Gold Care |
| $50.25 | $50.25 | Platinum Care |
Exclusions and Coverage Limit
The Select Home Warranty has a coverage cap of $2k per home appliance or system included in the plan.
Some of the other exclusions include the following things:
- Damages caused due to abuse, corrosion, improper installation, rust
- Unknown or known pre-existing conditions
- Items that are damaged because of Acts of Nature
- Parts of any covered item
- Damages because of water, fire, or mold spores.
Liberty Home Guard
Best Response Time
4.5 / 5
$200 off + two bonus months + free roof leak protection
Liberty Home Guard is a popular choice among homeowners as it has comprehensive coverage for systems and appliances. They offer optional add-on coverage for over 38 items, including pest control. Their live-in-chat feature makes it easy for homeowners to make a complaint 24/7.
Pros
- A live chat option for the users
- Pest control as an add-on option for the homeowners
Cons
- Doesn’t serve Washington and Wisconsin
Plans and Coverage
Liberty Home Guard offers three plans to its homeowners: Systems Guard, Appliance Guard, and Total Home Guard. As the name suggests, Systems Guard includes major home systems, and Appliance Guard includes major home appliances. Lastly, Total Home Guard includes systems & appliances and additional add-on options.
Cost
Liberty Home Guard plans can range from $60 to $69 every month, and if you choose any optional items, it can go up to $195. You will also have to pay a $90 deductible on every visit.
$50
| $64.99 | $64.99 | Systems Guard |
|---|---|---|
| $59.99 | $59.99 | Appliance Guard |
| $69.99 | $69.99 | Total Guard |
Exclusions and Coverage Limit
Liberty Home Guard excludes the following from coverage
- Known and unknown pre-existing conditions
- Cosmetic defects, glass parts, and components, any costs related to refrigerant
- Electronic, vents, chimneys
- Costs for construction, Acts of God, electrical failure, and more
The Liberty Home Guard’s annual coverage for diagnosing, repairing, or replacing included items during the tenure is $2000/item.
First American Home Warranty
Best For Transparency
3 / 5
First Class Upgrade option + $25 Amazon gift card
First American Home Warranty is famous for its low monthly premiums, 24/7 customer service availability, and experience of over four decades. The company has a B rating from the BBB, making it a popular option for homeowners in Indiana.
Pros
- Includes pest control
- Affordable plan pricing
Cons
- Basic plan doesn’t include plumbing or electrical systems
Plans and Coverage
First American Home Warranty offers two plans to homeowners- Basic Plan and Premier Plan. The Basic Plan includes all the essential home appliances, while the Premier Plan has the major systems and appliances such as a washer, refrigerator, and electrical system.
Cost
First American Home Warranty’s Basic Plan starts from $33 per month, while the Premium Plan starts from $45 per month. You will also have to pay a deductible fee of $85 every time the technician visits your home.
$50
| $33 | $33 | Basic Plan |
|---|---|---|
| $45 | $45 | Premier Plan |
Exclusions and Coverage Limit
First American Home Warranty has an average coverage cap of $3500 per system and $1500 per appliance in their plan. Additionally, here are some of the exclusions from their plans:
- Pre-existing conditions
- Space heaters, vents, fuel storage tanks
- Accessories, shelves, digital meters, hinges
- Doorbells and lock assemblies
Cinch Home Services
Best Customer Satisfaction
3 / 5
Two bonus months or $50 Off depending on the coverage
Cinch Home Services has served over a million customers over the last four decades. The highlight of the company’s is the 180-day workmanship guarantee it offers, which is higher than the industry average. Also, the company covers ‘water sensors for leak detection’ free of cost with any of their plans.
Pros
- 180-day workmanship guarantee
- Free water sensor to detect leaks
Cons
- Lower coverage caps
Plans and Coverage
Cinch Home Services offers three different home warranty plans: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The Appliance Plan covers major home appliances and the Built-in Systems Plan covers the prominent systems. Complete Home Plan is an extensive plan including both home systems and appliances.
Cost
The plans of this company can range between $27 to $39 every month. Depending on the selected plan, the service fee or deductible can be $75, $100, and $150 each.
$50
| $27.99 | $27.99 | Appliances Plan |
|---|---|---|
| $32.99 | $32.99 | Systems Plan |
| $39.99 | $39.99 | Complete Plan |
Exclusions and Coverage Limit
Cinch Home Services has a coverage cap of up to $2k/item for both home appliances and systems. Here are some of the other exclusions:
- Damages due to pet, fire, flood, earthquake, and more
- Flues, chimney, misuse, and neglect, venting, and exhaust lines
- Damages because of water pressure, mold, mildew, bacteria, and virus, mildew, mold
Annual Cost of Home Maintenance In Top Indiana Cities
In this section, you will get information about home maintenance prices in major cities of Indiana.
Homeowners have a lot of expenses not limited to mortgage, taxes, and utilities. Unfortunately, home appliances and home systems are prone to a lot of damage and can demand unexpected repairs and replacement. As Indiana experiences all four seasons, it can be challenging to maintain all the appliances and systems yourself.
Here is a breakdown of why it is vital to get a home warranty in major cities of Indiana.
Indianapolis, Indiana
Indianapolis is a great place to live, but the cost of living is higher than the state average. Major services in Indianapolis are 4% more expensive, making it difficult to get affordable repairs and maintenance. To save yourself from any expensive repairs or replacements, you should invest in a home warranty.
Bloomington, Indiana
The cost of living in Bloomington is a whopping 11% higher than Indiana’s average. Also, the prolonged winters in the city make it very difficult to maintain your home appliances and systems. Therefore, many homeowners in Bloomington have turned to home warranty services for monetary savings and quick services in case of unexpected breakdowns.
Evansville, Indiana
Even though housing expenses are 24% lower as compared to the national average, homeowners in Evansville will still have to pay 13% more for major home maintenance. Many homeowners in the city have, time and again, cut down on their annual maintenance budget with comprehensive home warranty plans.
South Bend, Indiana
Even though living in South Bend is affordable compared to the other regions, the cost of living has consistently risen over the years. The handyman services come at an extra price if a major appliance and system breakdown can get expensive. So, it is wise to save your budget from such harsh surprises and invest in one of the home warranties in Indiana.
Why Purchase A Home Warranty In Indiana?
Indiana summers are hot and humid, while the winters are frigid. The winter temperature can go as low as 15°F or -10°C, and in summers, the temperature can reach up to 90°F or 32°C. This temperature change can significantly impact the functioning of major home systems and appliances, thus contributing to wear and tear.
Here is a breakdown of the weather conditions in Indiana:
Average Rainfall37-47 inches/Year
Average Sunlight186 Sunny Days/Year
General Climate Conditions- Warm Summers
- Temperate Winters
Tropical CyclonesJune-November
Such changing conditions can cause a lot of normal wear and tear during the year. That is why investing in a home warranty is always a great idea to save your budget from any unexpected surprises.
Common Home Repair Problems Faced By Indiana Homeowners
Let’s look at the common problems faced by Indiana homeowners:
Problems With Heating/Cooling System:
Some common problems homeowners can face with heating and cooling systems are no proper maintenance and aging components. You will need to spend thousands of dollars to get the air conditioning or the heating system repaired or replaced, depending on the problem.
Problems With The Roof
There can be roof problems as Indiana experiences winter snow. The handymen can cost thousands of dollars to fix this problem.
Issues With The Electrical Systems
One of the main problems that every homeowner faces is with the electrical systems. Hiring an electrician can cost up to $300 or more, mainly depending on the severity of the problem.
Plumbing Issues
Plumbing defects are one of the common problems across Indiana. The repairs for this problem can cost somewhere from $50-$200.
Best Home Warranty Companies In Indiana: Comparison
Here is a comparison of the best home warranty companies in Indiana to help you make the right decision:
Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
| Choice Home Warranty | $46-$55 | B | Up to 48 hours | $60-$85 | |
| American Home Shield (AHS) | $39-$60 | B+ | Up to 48 hours | $75-$125 | |
| Select Home Warranty | $60-$65 | B+ | 12 - 48 hours | $60-$100 | |
| Liberty Home Guard | $35-$50 | A+ | Up to 48 hours | $90 | |
| First American Home Warranty | $30-$44 | B+ | Up to 48 hours | $85 | |
| Cinch Home Services | $27-$51 | B+ | Same day | $100-$150 |
Home Warranty Regulations In Indiana
In Indiana, a home warranty company gets authorized by The Indiana Department of Insurance. The organization properly monitors the purchase and use of insurance products and a home warranty to keep Indiana homeowners safe. You should always check that the home warranty company is licensed and secured by the Department.
Bottom Line:
Getting a home warranty will provide peace of mind and protect your budget. Get a few quotes for choosing the ideal home warranty in Indiana. It will help you compare coverage and pricing of various companies’ plans, thus ensuring you get the best deal.
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FAQs
How Long Does The Home Warranty Last On The House?
Generally, a home warranty lasts for one year on the house. The home warranty company provides a yearly renewable service agreement.
What’s The Best Time To Buy A Home Warranty?
Issues with systems and appliances can occur throughout their lifetime, so it is wise to invest in a home warranty plan if you don’t have one at any given time.
Do Home Warranty Companies Cover Existing Problems?
American Home Shield, Cinch Home Services, and Liberty Home Guard are some of the companies that cover existing problems. But, reading the company’s service contract will often provide a clear picture w.r.t. the coverage details.
Which Is A Better Investment? Home Warranty Or Home Insurance
Both home warranty and home insurance are quite different and serve different purposes. While the home warranty covers systems and appliances damaged due to wear and tear, the home insurance covers damage to the property. As both serve various purposes, most homeowners tend to purchase both of them.
What Are Deductibles In A Home Warranty?
A deductible is a minimum charge a homeowner must pay for every technician’s visit. The deductibles can range from $50 to $125, depending on the home warranty company.