Best Home Warranty Companies in Indiana (2022)

While it’s always a smart idea to have an emergency fund set aside for unexpected household repair needs, a home warranty can cover Indiana homeowners for up to 90% of the cost to repair or replace their house appliances and systems as they gradually breakdown over time. 

Even though Indiana offers some of the most affordable housing in the United States, Hoosier homeowners still need to have at least 1% of their home’s purchase price earmarked for inevitable home maintenance expenses. In other words, given that the average median home value in Indiana currently sits around $140,000, local homeowners should have at least $1,400 on hand for unexpected system and appliance repairs. 

By signing up with one of the best home warranty companies in Indiana, you can secure annual coverage ranging from $500-$3,000+ per item in your home, all for a fixed monthly or annual payment. 

Indiana’s Best Home Warranty Companies in 2022

1. Choice Home Warranty: Best overall
2. Select Home Warranty: Most cost-effective plans
3. American Home Shield: Best customizable plans
4. The Home Service Club: Quickest service
5. Liberty Home Guard: Most trustworthy

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best overall

• Average Annual Cost: $560 – $660

• Response Time: Up to 48 hours

Choice Home Warranty (CHW) offers the overall best home warranty coverage in the state of Indiana. Choice has been in business for more than 14 years and maintains a B rating with the Better Business Bureau (BBB). It has remained a leader in the home warranty space for cost-effective premiums and dedication to quality customer service. CHW’s plans are available in 49 states, so the transferability of the policy is relatively easy if you ever move out of Indiana. 

Pros and Cons

✓ Doesn’t require an initial home inspection or previous maintenance records for sign-up

✓ Includes a 90-day guarantee on all repairs 

✓ Allows the 30-day waiting period to be waived if proof of a previous home warranty is provided with no coverage lapses

✓ Offers 24/7/365 claims processing and customer service

X Standard plans are not customizable

Plans and Pricing

Though CHW’s coverage only spans two base plans — Basic and Total — both offer combined protection for your home’s essential appliances and systems. One of the best things about Choice Home Warranty is that its annual coverage caps are quite high. These maximums for many covered systems and appliances reach up to $3000 per item. The nonadjustable service fee associated with either of Choice’s plans is $85. 

Here’s a detailed look a Choice Home Warranty’s coverage:

• Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing systems, ceiling fans, garbage disposals, heating systems, cooktop exhaust fans, microwaves, dishwashers, ductwork, electrical systems, garage door openers, ovens, toilets, and water heaters. 
• Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the Basic Plan, plus clothes washers/dryers, refrigerators, and air conditioning. The full-scale coverage that this plan level provides, especially for air conditioning, makes this the best policy option for Indiana homeowners. 

Coverage

Alongside its standard coverage, Choice Home Warranty also offers nine optional plan add-ons, including: 

• Roof leak repairs (for single-family homes only)
• Central vacuum
• Septic tank pumping
• Septic systems (does not includes leach lines, field lines, or lateral lines)
• Sprinkler systems
• Well pumps
• Sump pumps
• Pool and spa (for in-ground set-ups only)
• Standalone ice-makers and second refrigerators
• Trash compactors

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

Select Home Warranty

• Our Take: Most cost-effective

• Average Annual Cost: $630 – $699.99

• Response Time: Up to 48 hours

We found Select Home Warranty (SHW) to be the most cost-effective option for Indiana homeowners. SHW’s plans are not only extremely affordable because of their fair pricing but also because they help Indiana homeowners access quality repair work for their home appliances and systems, so that repeat servicing is rarely necessary. The list of inclusions you get with Select is quite extensive, and they also include free roof leak coverage with each policy. 

Pros and Cons

✓ Over a decade of experience in the home warranty industry

✓ Up to $400 in annual roof coverage included for free with any plan level

✓ Policyholders who pay annually rather than monthly will receive two free months of coverage

X Lower coverage caps on some appliances and systems

X 30-day workmanship warranty is significantly less than competing providers

Plans and Pricing

Select Home Warranty has three plans for its customers to choose from. The Gold Care policy is an appliance plan, whereas the Bronze Care is its systems-only plan. The Platinum Care plan, SHW’s most comprehensive coverage level, is a combo policy with the best overall coverage for Indiana homeowners. Coverage caps from Select Home Warranty are slightly lower —  in the $200 to $500 range — as indicated by its low monthly pricing. The service fee from Select Home Warranty is also one of the lowest at $60 per appointment. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. 
• Gold Care ($52 per month): Gold Care is very similar to the Bronze Care plan, except it only offers coverage for systems. The six major home systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Some coverage caps are as high as $2000 with this plan. 
• Platinum Care ($57 per month): The Platinum plan is the best overall option from Select Home Warranty because it covers 16 items. Having both system and appliance coverage for this fair price is well worth it. As you can see, the difference in pricing is just a few dollars per month for double the coverage. 

Coverage

For up to 30 days after the purchase of your standard coverage, you can add the following additional coverage riders to your SHW policy:

• Central vacuum
• Lawn sprinkler systems
• Septic systems
• Built-in ice-makers (does not cover freestanding ice-makers, dispensers, valves, or water lines)
• Pools and spas
• Standalone freezers and second refrigerators
• Sump pumps
• Well pumps
• Plumbing fixtures (including showerheads, faucet filters, shower arms, etc.) 
• Light fixtures (including smoke detectors, outlets, electrical switches, fluorescent fixtures, etc.)

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

American Home Shield

• Our Take: Best customizable plans

• Average Annual Cost: $527.88 – $711.88

• Response Time: Up to 48 hours

American Home Shield (AHS) offers a level of customizability in its home warranty plans that no other provider in Indiana can currently compete with. American Home Shield customers can customize both the plan and payment options to fit the specific needs of their Indiana home. With over 50 years in the business and a BBB rating of B, American Home Shield is one of the most trusted home warranty companies. 

Pros and Cons

✓ Customers can choose from three service call fees ($75, $100, or $125)

✓ The oldest home warranty provider with over 50 years of experience

✓ Covers items damaged by improper installation and undetected pre-existing conditions

X Higher premiums than competing providers

X Customers can’t choose their own contractor

Plans and Pricing

American Home Shield is a premium home warranty provider with three plan options for Indiana homeowners. The plans include the ShieldSilver systems plan, the ShieldGold combo plan, and the ShieldPlatinum comprehensive plan. The three plans from American Home Shield can be used as-is or customized to meet your Indiana home’s needs. In addition, the service fee is customizable to ensure that this plan fits within your budget. The prices on our chart are based on a $100 service fee. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($39.99 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical systems, smoke alarms, water heaters, doorbells, garage door openers, heating systems, plumbing, and ductwork. Most of the systems on this plan include coverage caps of around $2500. The only issue with this plan is the lack of appliance coverage.  
• ShieldGold ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus clothes washers, dishwashers, clothes dryer, built-in microwaves, ovens, and refrigerators. ShieldGold is one of the most popular plans because it has both system and appliance coverage for a fair value.
• ShieldPlatinum ($64.99 per month): ShieldPlatinum is one of the best policies on the market for Indiana homeowners. You will greatly benefit from this comprehensive coverage of more than 27 systems and appliances if you can afford this monthly pricing. ShieldPlatinum has many other benefits, including a $1000 credit for unexpected expenses like permits. 

Coverage

You can maximize your home warranty coverage through AHS with the following coverage add-ons:

• Electronic extended warranty (includes an unlimited number of devices including TVs, tablets, laptops, home theater systems, smart home features, and more)
• Guest units (up to 750 square feet)
• Roof leak repairs
• Pools and spas (does not include above-ground or portable pools)
• Well pumps
• Septic pumps (only includes sewage ejector pumps and mainline stoppages)

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

For more information, read our American Home Shield Review.

The Home Service Club

• Our Take: Quickest service

• Average Annual Cost: $650 – $800

• Response Time: Within 24 hours

The Home Service Club (HSC) offers the quickest coverage for an Indiana home warranty. HSC has been on the market for more than 14 years, and they have a straightforward onboarding process. There is no inspection with The Home Service Club, and just ten days after paying for your policy, the coverage will begin for your Indiana home. Coverage from The Home Service Club is comprehensive, with fair monthly pricing and a broad range of covered systems and appliances. When you want to ensure that your home systems and appliances are protected as quickly as possible. 

Pros and Cons

✓ Covers major appliances and systems of all ages, makes, and models

✓ Offers real estate home warranty plans specifically for homebuyers and sellers

✓ Gives customers an additional $125 plus one month of free coverage when they opt to pay annually

X No basic or cheap plan option

X Has a minimal selection of only five coverage add-ons

Plans and Pricing

The Home Service Club has two policies for homeowners: the Standard Coverage Plan and the Comprehensive Coverage Plan. The Standard Coverage Plan has 18 covered items, while the Comprehensive has 33 covered items. The Home Service Club policies will stand out when you look at the depth of coverage. The coverage caps associated with these plans will vary from around $500 to $2500, slightly higher than the industry average. The service fee is customizable and will impact the monthly pricing of the plan. Our chart below is based on a $95 service fee. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): The Standard Coverage Plan is the most basic option from The Home Service Club. There are 18 covered items, including air conditioners, ceiling fans, water leaks, water heaters, electrical systems, central vacuum, dishwashers, refrigerators, trash compactors, ovens, etc.  
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. These extra coverages include gas leaks, ductwork, sump pumps, pest control, doorbells, plumbing stoppages, attic fans, whole-house fans, and more.

Coverage

For extra coverage, HSC customers can add the following ten optional riders to their main policy:

• Utility line coverage (includes outside water lines, gas lines, sewer lines, electric lines, grinder pumps, and sprinkler systems)
• Pools and spas
• Roof leak repairs
• Standalone freezer
• Refrigerators with dual compressors (includes built-in fridges and fridges with top freezers, bottom freezers, and french doors) 
• Jetted bathtubs
• Sewage ejector pumps
• Well pumps 
• Water softener (covers single and twin units)

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review

Liberty Home Guard

• Our Take: Most trustworthy

• Average Annual Cost: $700 – $799.99

• Response Time: Within 24 hours

Liberty Home Guard (LHG)  is the most trustworthy home warranty in Indiana. It takes a lot to gain the trust of thousands of customers in just three short years on the market. Since its establishment, LHG has continued to impress real customers and other home warranty industry professionals. The company has a strong commitment to customer service and following through on its contracts. This is the only home warranty company with an A rating from the Better Business Bureau (BBB) and tons of positive customer reviews to back it up. Overall, Liberty Home Guard does a great job covering issues in your home and allowing for a much better experience with your home warranty company. 

Pros and Cons

✓ Only leading home warranty company with an A rating from the Better Business Bureau

✓ Over 41 add-ons options including coverage for unique home services like carpet and gutter cleaning

✓ All repairs are covered by a 60-day guarantee

X Lower-than-average annual coverage caps

X Multiple add-ons can get expensive quickly

Plans and Pricing

There are three plans from Liberty Home Guard. These are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are value plans that do not have comprehensive coverage. Liberty Home Guard is known for its extensive list of add-on coverage and more notable options than other companies on the market. Liberty Home Guard’s coverage caps are fair, with most being around the $1500 mark. The service fee associated with the plan is $75, slightly below the industry average. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door openers, ceiling fans, cooktop exhaust fans, ovens, refrigerators, garbage disposals, dishwashers, built-in microwaves, clothes washers, clothes dryers, and built-in ice-makers. We’d most recommend this plan to first-time homebuyers in Indiana. 
• Systems Guard ($69.99 per month): The System Plan offers nine systems coverages. These systems include electrical systems, air conditioning, bath exhaust fans, heating systems, toilets, ductwork, plumbing and plumbing stoppages, and water heaters. Systems Guard is slightly more expensive simply because of the generally higher cost of repairing home systems. 
• Total Home Guard ($74.99 per month): The Total Home Guard plan covers 20 items and is the only catch-all plan offered by LHG. Total Home Guard offers the best protection, and for just a few dollars more per month, it makes sense to choose this plan level from the get-go. 

Coverage

Liberty Home Guard has the most exhaustive list of optional add-ons compared to any other leading provider, with optional coverage for:

• Pools and spas (includes chlorine and saltwater set-ups)
• Sump pumps
• Well pumps
• Central vacuum
• Septic system pumping
• Sewage ejector pumps
• Grinder pumps
• Limited roof leak repairs (only applies to patching over occupied areas of single-family homes)
• Standalone freezers, ice-makers, second refrigerators, and wine coolers
• Instant hot water dispensers
• Reverse osmosis filter systems
• Sprinkler systems
• Water softener  
• Light fixtures 
• Plumbing fixtures
• Electronic protection
• Re-keying (cover re-keys for two lock cylinders per contract term)
• Guest unit coverage (up to 750 square feet)
• Carpet and gutter cleaning
• Gutter cleaning
• Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)
• Window washing (does not include interior cleaning)
• TV mounting (for up to 65-inch or 85-inch TVs)
• Pest control
• Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Read our Liberty Home Guard review for more information.

Home Warranties in Indiana Cities

• Indianapolis, IN
• Fort Wayne, IN
• Evansville, IN
• South Bend, IN
• Carmel, IN
• Fishers, IN
• Bloomington, IN
• Hammond, IN
• Gary, IN
• Lafayette, IN

How Much Does a Home Warranty in Indiana Cost?

The average price for a home warranty in Indiana falls between $45 to $65 per month, or $540 to $780 per year. In addition to the premium you’ll owe for the plan itself, you’ll also be required to pay a deductible, called a service fee, each time a technician is sent out to your home for a new service request. This out-of-pocket payment — which ranges between $60 and $125 depending on your provider — covers the contractor for labor costs and any expenses they may have incurred while traveling to your home (i.e. gas mileage, wear and tear on company vehicles, etc.)

All home warranty companies distribute their coverage within a maximum dollar amount per year, also known as a coverage limit. Most home warranty companies have annual limits that cap their coverage at $500 to $3,000 per item. Be aware that any maintenance costs that exceed your provider’s set coverage limits will be left to you to pay.  

Compare the Best Home Warranty Companies in Indiana

Final Thoughts

Overall, Indiana residents have several top-rated home warranty options to choose from. Each of the five providers featured in this guide have trustworthy financial strength ratings, favorable track records of claim approvals, and generally positive feedback from current customers and third-party review sites. 

To boil our review down even further, our in-house research team has decided on Choice Home Warranty as the best overall home warranty service provider available in Indiana. 

With comprehensive coverage available at even its most basic plan level, CHW makes a concerted effort to ensure that its customers are receiving maximum protection no matter the potential limits of their budget. Choice also offers 24/7/365 customer support and a quick claims submission process so that your maintenance emergencies are always handled with urgency. 

How to Choose the Best Home Warranty in Indiana

We’ve carefully selected these five providers out of dozens of other leading competitors also licensed in Indiana based on their premier cost-to-coverage ratios and valuable policy inclusions. Still, to find the best home warranty for you and your home, you’ll need to pay close attention to the following key features as your compare different providers in your area:

• Coverage Exclusions: Year after year, the number one cause of claim denials industry-wide is due to misunderstood coverage terms. It’s always exciting to see a long list of inclusions offered by a home warranty provider, but it’s incredibly important to familiarize any provider exclusions just as carefully. By understanding what isn’t covered from the get-go, you’ll significantly reduce your odds of having a claim rejected.
• Service Fee Rates: All reputable home warranty providers require their customers to pay a service fee per each new service request that is filed and approved. Service fees are actually a sign of an ethical provider as this deductible is used to compensate contractors for labor costs and any other outlying expenses. If you’re on a budget, consider a provider with a customizable service fee, which can be adjusted to accommodate your personal financial plan.  

• Coverage Caps: All maintenance expenses covered by your home warranty provider will only be paid out within a specified annual limit per item. Once you’ve surpassed that maximum, you’ll be responsible for paying any remaining amount out-of-pocket. Prioritize a provider with generous coverage limits, especially if you have high-end appliances or systems as state-of-the-art items will be more expensive to repair or replace. 

What is a Home Warranty?

A home warranty is a renewable service contract that covers homeowners from the cost to repair or replace essential household systems and appliances as they stop working properly due to natural wear and tear. Most home warranty agreements offer coverage for a 12-month policy period, which can be renewed at the start of each year. 

Home Warranty vs. Homeowners Insurance

A home warranty and a home insurance policy are similar in the sense that both will cover you for unexpected circumstances — the catch is that they each cover completely different scenarios. 

Homeowners insurance will step in to help when your home sustains accidental damage due to sudden catastrophic events like natural disasters (tornadoes, flooding, fires, etc.), theft, and even vandalism. So, for example, if a tree were to come crashing through your roof after a storm, your homeowners insurance would cover you for related losses and repairs.

A home warranty, on the other hand, is designed to specifically guarantee financial coverage for your home’s major appliances and systems as they gradually fail due to normal age-related wear and tear. Say you’re a family of four and dirty dishes pile up fast in your household, so the dishwasher runs at least one cycle a day. Such frequent use over time has taken a toll on your dishwasher and it eventually stalls out. In an instance like this, your home warranty provider will take on the cost to repair your current dishwasher or replace it altogether if a fix is more expensive than a new unit. 

How Does a Home Warranty in Indiana Work?

When a covered system or appliance does eventually breakdown in your home, putting your Indiana home warranty benefits to use is simple:

File a Claim

You must file a claim with your home warranty provider as soon as you notice a problem with one of your appliances or systems. This can be done over the phone with a customer service representative or online through your customer portal. Claims are typically processed within 24-48 hours, but in emergency situations, the decision process can sometimes be expedited.

First Home Visit — The Diagnosis

Before a repair or replacement occurs, your home warranty provider will send a pre-approved local technician out to your home to assess the issue in person. Once the contractor has a sense of the level of maintenance required to address the problem with your system or appliance, they’ll report back to your provider with a price estimate for the job. 

Keep in mind that you’ll be responsible for paying a service fee at this point in the process. You can find the exact amount due in your contract. Depending on the home warranty company, you’ll either pay the technician at this first home visit or your provider may collect this fee ahead of time. 

Second Home Visit — The Repair or Replacement

The final repair will take place promptly after your provider receives the price estimate from your technician. Beyond the initial service fee, you won’t owe anything further. With that being said, any maintenance costs that exceed the annual coverage limits disclosed in your contract may result in additional charges on your behalf. 

What Does a Home Warranty Cover?

With a home warranty in place, you’ll be covered for repairs and replacement across a wide range of major home appliances and built-in systems when they eventually breakdown due to regular wear and tear. While each home warranty company has its own set of inclusions and exclusions most will cover:

What is Not Covered by a Home Warranty?

A home warranty will only cover normal wear and tear on your home’s systems and appliances. Most home warranty policies exclude costs related to:

• Known or detectable pre-existing conditions
• Natural disasters or other issues that overlap with home insurance coverage
• Factory or cosmetic defects
• Improper installation
• Blatant misuse of an item
• Mold or mildew
• Corrosion, rust, or sediment
• Lack of routine upkeep
• Invasive wildlife, pests, or vermin

Are Home Warranties Worth it?

Aside from its small-town feel and access to prestigious universities, affordable housing alone is one of the top reasons why Americans have been relocating to Indiana in the past several years. According to the 2021 U.S. Census Bureau, 69.5% of Indiana residents own the homes they live in. Yet the lower cost of living in Indiana won’t save you from the typical expenses every homeowner faces at one time or another. 

A home warranty is an excellent choice for Indianas homeowners that cannot fix or repair their home systems and appliances on their own. If you know that you will hire technicians or service personnel to come to the home and fix issues for you, then the home warranty is a wise investment to look into. It provides peace of mind, and protection of your budget — two invaluable pieces of homeownership.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five. 

Here is a quick breakdown of our five core scoring categories: 

• Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
• Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
• Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
• Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive. 
• Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.