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Best Home Warranty Companies In kentucky 2024

Kentucky’s hot and humid summers and occasional severe weather events, like storms and heavy rainfall, pose challenges for home systems and appliances. This list of the best home warranty companies in Kentucky will help you compare coverage, pricing, and customer service to find the perfect fit for your Bluegrass home.

Our Picks: 5 Best Home Warranty Companies For kentucky Residents

After thoroughly comparing numerous providers, we've singled out Kentucky's top 5 home warranty companies. These companies offer trustworthy coverage, assuring homeowners in the Bluegrass State that their homes will function smoothly year-round.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$37 - $43

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • Regular discounts for homeowners
  • Service guarantee of 90 days
  • 24/7 customer support for prompt assistance

Cons

  • No system or appliance-only plan

Plans, Cost & Coverage

ServicePlus Home Warranty offers two plans: Gold and Platinum plan. While the Gold Plan offers dynamic coverage at reasonable prices, the Platinum Plan provides a comprehensive option. The plans can cost around $37.46 to $43.71, and the aggregate dollar limit per item is $1,500. Find the in-depth pricing details here:

Plan

Cost (Monthly)

Cost (Annually)

Gold 

$37.46

$349.50

Platinum

$43.71

$424.50

Gold Plan

  • Provides coverage for 15 essential home systems and appliances 
  • Impeccable customer service 
  • Provides budget-friendly plans starting at $37.46 per month 

Platinum Plan

  • Comprehensive coverage option for 20 essential household appliances and systems
  • Extensive but a bit more costly 
  • Covers air conditioning and heating system along with other appliances

Why We Picked It?

ServicePlus Home Warranty provides customizable coverage for homeowners with optional add-ons and affordable plans. It offers a 90-day service guarantee and 24/7 customer service, making it one of the top options for homeowners in Kentucky.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Coverage offered for both appliances and systems
  • More optional add-on options as per the industry standard
  • Prompt responses for the clients

Cons

  • Coverage options are not much as compared to the industry standard

Plans, Cost & Coverage

The three plans that homeowners can choose from include Appliance Guard, Systems Guard, and Total Home Guard. There is a separate coverage for appliances and systems along with a combination of both. Find the costs and plans here: 

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99 

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  • Essential appliances 
  • Has inclusions for kitchen and laundry appliances 

Systems Guard

  • Covers home systems 
  • There is coverage for six major home systems 
  • Homeowners looking to cover only home systems 

Total Home Guard

  • Includes coverage for both appliances and systems 
  • 15 items are covered under this plan 
  • Homeowners looking for exhaustive coverage 
  • Homeowners searching for comprehensive coverage at affordable prices

Why We Picked It?

Liberty Home Guard has three coverage options for homeowners in search of customizable options. They offer more than 40 optional add-ons, which is more compared to the industry standard. The company is also known for its customer-friendly services, making it one of the options on our list.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Free trial for 30 days
  • A money-back guarantee
  • Freedom to select preferred technicians

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

The three plans by Elite Home Warranty are Elite Appliances, Elite Systems, and Elite Complete. The prices of the plans are kept competitive, and coverage limitations for appliances and systems are $7,000 and $8,000, respectively. Find the in-depth pricing information here: 

Plans

Monthly Premium

Elite Appliances

$44.99

Elite Systems

$49.99

Elite Complete

$59.99

Elite Appliances 

  • Includes coverage for eight vital home appliances 
  • Appliances such as dishwasher & refrigerator are included 
  • Ideal for homeowners seeking coverage primarily for their major appliances

Elite Systems 

  • Offers coverage for seven essential home systems 
  • Includes household items such as electrical system and air conditioning system
  • Suited for homeowners who prioritize coverage for home systems over appliances 

Elite Complete 

  • Includes everything from Elite Appliances and Elite Systems Plan
  • Comprehensive coverage for both home systems and appliances

Why We Picked It?

Even though Elite Home Warranty is new in the industry, it has impressed everyone with its impeccable customer service, availability, and comprehensive coverage. Offering the freedom to customize your plan, Elite has become one of Kentucky’s best home warranty providers.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • The 60-day guarantee offered on repairs
  • Affordable monthly premium
  • 24/7 customer service

Cons

  • Low aggregate limit for the contract

Plans, Cost & Coverage

Choice Home Warranty provides two plans: Basic and Total. The Basic Plan provides coverage for household appliances and systems, and the Total Plan includes everything from the Basic Plan, along with a few additions. The coverage caps extend to $3,000 for the repair or replacement of included items. The pricing details for Kentucky homeowners are discussed below: 

Plans

Monthly

Yearly

Basic Plan

$46.83

$532

Total Plan

$54.75

$627

Basic Plan 

  • Coverage for 14 household items 
  • Affordable option priced at $46 per month
  • Free roof leak coverage 

Total Plan 

  • Comprehensive coverage for 18 appliances and systems 
  • Offers expanded coverage compared to the Basic Plan for $55 per month

Why We Picked It?

Choice Home Warranty has made a name for itself because of its exhaustive coverage, commitment to providing trustworthy services, and network of technicians. The company provides 24/7 customer service, a 90-day parts guarantee, and a 30-day labor guarantee.

Best For Generous Coverage Caps
4 | four_star Excellent

Monthly Cost

$58 - $63

Service Fee

$50 & $100

Response Time

48 - 72 hours

Pros & Cons

Pros

  • Low service fee of $50
  • Can select your repair technician

Cons

  • Only one protection plan available

Plans, Cost & Coverage

APHW offers one plan: Standard Coverage, along with optional add-ons. One of these add-ons is the Premier Plan option. While the Standard Plan covers appliances and systems, the Premium Plan adds to the standard coverage. The coverage limitation in its contract is $25,000 per contract term. Here are the pricing details: 

 

Standard Coverage Plan (Monthly)

Standard Coverage Plan (Yearly) 

Cost at $100 Service Call Fee

$58.82

$706

Cost at $50 Service Call Fee

$63.48

$762

Standard Coverage 

  • Includes 19 essential appliances and systems 
  • Offers coverage for exterior water and sewer line, electrical system, and more

Why We Picked It?

APHW covers major home systems and appliances in their coverage plans. They provide homeowners the freedom to choose their own technician and service fee. Providing reputable services from the past 20+ years, America’s Preferred Home Warranty is one of the best choices for Kentucky homeowners.

Are Home Warranty Plans Beneficial For Kentucky Homeowners?

Home warranty plans can offer several benefits to Kentucky, including:

  • Kentucky experiences a range of weather conditions, including hot and humid summers. Home warranty plans can provide coverage for essential systems like HVAC, helping homeowners address potential weather-related challenges more efficiently.
  • Standard homeowners insurance may not cover normal wear and tear, but a warranty can help manage repair and replacement costs.
  • Home warranty plans typically cover major systems (HVAC, plumbing, electrical) and appliances (refrigerators, ovens, etc.). 
  • A home warranty can offer peace of mind, knowing that certain home systems and appliances are covered. This can be especially reassuring for new homeowners or those unfamiliar with the condition of their home's components.

How Much Does A Kentucky Home Warranty Cost?

Here's a general cost range for Kentucky home warranty:

Average Annual Cost

$420 - $700

Average Monthly Cost

$30 - $90

Average Service Fee (Deductible)

$65-$125

The cost of a home warranty can vary widely depending on several factors, including the level of coverage, the provider, and the location of your home. 

  • Coverage Level: Plans generally cover major systems and appliances, which cost more than basic coverage. More extensive protection may include HVAC, plumbing, electrical, and various appliances.
  • Service Call Fee: You may be required to pay a service call fee each time you request service. This fee can range from $50 to $150 per service call. Higher service call fees may result in lower annual premiums.
  • Optional Coverage: Additional coverage for items like pool equipment, septic systems, or additional appliances can increase Kentucky's overall home warranty cost. 
  • Home Size & Age: The size and age of your home can impact the cost. A smaller home with newer appliances may cost less than a bigger one with older systems and appliances.
  • Location: The cost of living and service provider availability in your location can influence the overall cost of a home warranty.

Home Warranty Coverage In Kentucky

Home warranty coverage in Kentucky typically includes protection for essential home systems and major appliances.

General Coverage Of Kentucky Home Warranty

  • HVAC SystemsFrom scorching summer humidity to frigid winter nights, a home warranty can be your secret weapon. Coverage often includes repairs for your furnace, air conditioner, and ductwork, ensuring year-round comfort in your Kentucky home.
  • Plumbing SystemsWhether your abode boasts archaic pipes with intricate layouts or features modern plumbing systems, a warranty can safeguard against leaks, clogs, and malfunctions.
  • Electrical SystemsOlder electrical systems can pose safety hazards, especially in older Kentucky homes. Warranties can cover repairs to wiring, outlets, switches, and breaker panels, keeping your electrical system functioning safely and efficiently.
  • AppliancesThe company covers major kitchen appliances such as refrigerators, ovens, ranges, cooktops, dishwashers, and built-in microwaves. It also protects washer and dryer units.

Common Exclusions 

  • Pre-Existing ConditionsMost home warranty plans exclude coverage for pre-existing conditions, which are the issues that existed before the coverage start date. 
  • Cosmetic IssuesHome warranties typically don’t cover cosmetic problems or non-functional features of appliances or systems, such as dents, scratches, or appearances.
  • Accessory ItemsCertain components of appliances or systems, such as accessories, knobs, or removable parts, may not be covered.
  • Improper MaintenanceIf a system or appliance breaks down due to the homeowner’s lack of proper maintenance or neglect, it may not be covered.Regular maintenance is often the homeowner’s responsibility.

Here Are Some Additional Points To Consider

  • Coverage OptionsSome plans offer customization or additional coverage for specific items.
  • Service Call FeesUnderstand the service call fee structure.
  • Claim ProcessA streamlined and user-friendly claims process can save you time and hassle when requesting service for a covered item.

Who Regulates Home Warranty Companies In Kentucky?

In Kentucky, no single agency is solely responsible for regulating home warranty companies. However, several resources can help you navigate the selection process:

  • Kentucky Department Of Insurance Although the DOI doesn't directly regulate home warranty companies, it can be a helpful resource. You can file general complaints against a home warranty company you've had issues with. Their website might also offer educational resources to help you understand home warranty contracts better.

  • National Association Of Home Warranty Companies While not a regulatory body, the NAHW is a national trade association that promotes ethical business practices within the home warranty industry. Kentucky-based home warranty companies that are members of the NAHW  might be held to a higher standard of service due to the organization's code of ethics.

  • Kentucky Attorney General's Office The Attorney General's Office can be a valuable resource for homeowners experiencing issues with a home warranty company. You can file complaints against companies that haven't honored their agreements. Their website might also offer consumer protection information related to home warranties.

Final Words

Conquer Kentucky's unpredictable weather and appliance woes! Explore our in-depth reviews to find the perfect home warranty for your Bluegrass haven. We compare coverage options, pricing, and customer service details to ensure you get the best fit. Don't let unexpected breakdowns disrupt your Kentucky comfort – secure peace of mind with a reliable warranty plan.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Kentucky?

A.

In Kentucky, residents commonly encounter appliance repairs related to the region’s climate and daily living. Refrigerator issues, such as temperature control problems or leaking, are frequent concerns. 

Given the diverse weather conditions, HVAC systems often require attention, especially during extreme temperatures. Dishwasher malfunctions, such as drainage problems or issues with the spray arm, are also prevalent.

What Is A Workmanship Guarantee?

A.

A workmanship guarantee is a commitment from a contractor or service provider that their work will meet certain standards and be free from defects for a specified period. It typically outlines the duration, coverage, conditions, and any exclusions, assuring clients about the services’ quality.

How Do Home Warranty Companies Decide Between Repair Or Replacement Of Appliances?

A.

Home warranty companies decide whether to repair or replace appliances, considering factors such as the extent of damage, the age and condition of the appliance, cost-effectiveness, availability of replacement parts, and the appliance’s repair history.

Repair may be chosen if the issue is minor and cost-effective or if the appliance is relatively new. However, the company may opt for replacement if the appliance is older, has a history of frequent issues, or replacement parts are scarce.

How Long Do Home Warranties Last?

A.

The duration of home warranties can vary depending on the terms and conditions the home warranty company sets. Typically, home warranties last for one year.

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