Updated Nov 3, 2022
Updated Nov 3, 2022
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Indiana offers many benefits to homeowners, including the pleasure of experiencing all four seasons, low cost of living and taxes, and top-tier universities. However, those perks don’t come without their fair share of downfalls. The frigid winters and humid summers can cause extensive wear and tear on the home’s appliances and systems.
A home warranty can protect you from the cost of repairs and replacements of those major home systems and appliances, protecting your home and budget. Our experts reviewed and ranked the best home warranty companies in Indiana so you can find the best fit for you.
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:
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty (CHW) offers the overall best home warranty coverage in the state of Indiana. We rated CHW 4.9/5 stars as a leader in the home warranty space for cost-effective premiums and dedication to quality customer service. Choice has been in business for more than 14 years and maintains a B rating with the Better Business Bureau (BBB). 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
Cons
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:
Alongside its standard coverage, Choice Home Warranty also offers nine optional plan add-ons, including:
Plan | Cost Per Month | Annual Cost | Service Fee |
Basic Plan | $45 | $560 | $85 |
Total Plan | $53.33 | $660 | $85 |
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.
We found Select Home Warranty (SHW) to be the most cost-effective option for Indiana homeowners and rated the company a 4.8 out of 5 stars based on our methodology. SHW’s plans are not only extremely affordable because of their fair pricing of under $48 per month, 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
Cons
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:
For up to 30 days after the purchase of your standard coverage, you can add the following additional coverage riders to your SHW policy:
Plan | Cost Per Month | Annual Cost | Service Fee |
Bronze Care | $44.42 | $479.99 | $60 |
Gold Care | $44.42 | $479.99 | $60 |
Platinum Care | $47.75 | $524.99 | $60 |
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 (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. It offers $75, $100, and $125 service fee options which makes the monthly payments more flexible. 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
Cons
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:
You can maximize your home warranty coverage through AHS with the following coverage add-ons:
Plan | Cost Per Month ($75 service fee) | Cost Per Month ($100 service fee) | Cost Per Month ($125 service fee) |
ShieldSilver | $44.27 | $34.27 | $29.27 |
ShieldGold | $54.27 | $44.27 | $39.27 |
ShieldPlatinum | $74.27 | $64.27 | $59.27 |
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 (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
Cons
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:
For extra coverage, HSC customers can add the following ten optional riders to their main policy:
Plan | Cost Per Month | Annual Cost | Service Fee |
Standard Coverage Plan | $50 | $650 | $60-$95 |
Comprehensive Coverage Plan | $62.90 | $800 | $60-$95 |
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
Our experts rated Liberty Home Guard (LHG) 4.5/5 stars as 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, and 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
Cons
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:
Liberty Home Guard has the most exhaustive list of optional add-ons compared to any other leading provider, with optional coverage for:
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.
Plan | Cost Per Month | Annual Cost | Service Fee |
Appliance Guard | $64.99 | $700 | $75 |
Systems Guard | $69.99 | $750 | $75 |
Total Home Guard | $74.99 | $800 | $75 |
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.
Get a Free Quote
From our #1 recommended home warranty provider in Indiana
Finding the best home warranty in Indiana can be challenging if you’re looking for coverage in a local city or coverage specific to Indiana homes. Our experts also reviewed and ranked the top Indiana home warranties in popular cities.
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best overall | Most cost-effective plans | Best customizable plans | Quickest service | Most trustworthy |
Average Cost | $45 – $53 | $56 – $62 | $34 – $64 | $50 – $62 | $70 – $80 |
Service Fee | $85 | $60 | $75, $100, or $125 | $60, $75, or $95 | $75 |
Annual Limit | $3,000 per standard item; $250-$500 for add-ons | $500-$3,000 per standard item; $400 for add-ons | Up to $6,000 per standard item; $1,500+ for add-ons | $500-$2,500 per standard item; $500-$2,000+ for add-ons | $2,000-$2,500 per standard item; $250-$500 for add-ons |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | Not available in WA | Not available in WA, NV, WY, or NM | Not available in Alaska | Available in all 50 states | Not available in WAor WI |
Online Chat / Mobile App | Yes | No | No | No | Yes |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
A home warranty is a renewable service contract that s 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 Most home warranty agreements offer coverage for a 12-month policy period, which can be renewed at the start of each year.
When a covered system or appliance does eventually breakdown in your home, putting your Indiana home warranty benefits to use is simple:
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 break down due to regular wear and tear. While each home warranty company has its own set of inclusions and exclusions watch this video to learn what an Indiana home warranty would typically cover:
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.
A home warranty is an excellent choice for Indiana 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.
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.
An Indiana home warranty will range in price from around $35 a month to $75 a month. The higher-priced plans will have quite a bit of add-on coverage options and typically a very low-priced service fee. Higher-priced plans often cover the home more extensively and have things like pool and spa coverage added to the monthly costs.
A service fee is a price you pay when you need to schedule a repair for your home. The service fee will include the diagnosis of the issue and the actual repair costs involved. For most repairs and replacements for homeowners, the service fee is the only cost homeowners incur.
The best home warranty company in Indiana is Choice Home Warranty. Choice has spent more than 13 years in the industry, and they do a great job of handling customer service requests and issues that come up. In addition, the overall affordability of the Choice Home Warranty plan is quite good.
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:
Additional Indiana Home Warranty Company Resources
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