Best Home Warranty Companies in Indiana (2021)

By Deanna Kane

Indiana has a housing option for almost any homeowner. Whether you are looking for a small-town community, rural farmland, or city life in an area like Indianapolis, Indiana has it all. Homeownership in Indiana gives you four distinct seasons and overall affordable first-time home buyer pricing in certain areas. However, homeownership in Indiana does not come without worry and concern. Appliances and systems in the home are still going to break down and need repair. In our guide featuring the best home warranty companies in Indiana, we will give you information on:

  • How to choose the best home warranty 
  • Why do Indiana homeowners need a home warranty 
  • What the best companies in Indiana are for home warranties

A home warranty is a policy to help protect against repair and replacement expenses of systems and appliances. When you are continually worried about how you will afford to keep your home in working condition, home ownership becomes quite stressful. Luckily some of the best home warranty companies on the market can help. The only issue is narrowing down the perfect choice for your Indiana home. If you have started in this process and have become frustrated, keep reading, and we will help. 

Indiana Top 5 Home Warranty Companies

With dozens of home warranty options for Indiana residents to choose from, it takes some time and research to narrow them down to the top five. We looked at things like customer reviews, add-on coverage, plan choices, policy limits, BBB rating, and the overall value of the plan. Here is how the top five plans in Indiana ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best for Appliances
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$85 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Indiana. The first thing you will notice about a Choice Home Warranty plan is how simple the contract is. As a Choice Home Warranty customer, it is easy to see exactly what is covered under your plan. Choice Home Warranty has been in the industry for more than 13 years. During that time they have built up a large team of successful customer service representatives and qualified repair personnel. The Choice Home Warranty is a moderately priced option that could be a perfect choice for your Indiana home. 

The Choice Home Warranty is unique in that it only has two plans to choose from. Each of these plans is considered to be a combo or comprehensive plan, meaning it covers both systems and appliances. This is another reason that Choice becomes an excellent value. In addition, there are several add-on options that Choice Home Warranty customers can take advantage of. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The Choice Home Warranty service fee is $85. Overall the $85 fee puts Choice in the average range for service fees but certainly doesn’t take away from the overall affordability of the plan. 

If you are new to Indiana homeownership or have been living here your entire life, Choice Home Warranty won’t turn you down for coverage of your home. Having a home warranty company that is easy to work with, understanding, and quick to respond to is quite essential. You will get all of this and more with the Choice Home Warranty in place. 

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.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in Indiana. Having the ability to add and subtract coverage to meet the specific needs of your Indiana home is a tremendous benefit. The American Home Shield company has been on the market for more than 50 years and has earned a reputation as a premium provider. With impressive workmanship, excellent customer service, and the history in the industry to back it up, American Home Shield tends to be a provider that homeowners trust. 

Although the American Home Shield plans are very customizable, there are three basic options to choose from. The combo or comprehensive plans tend to be the most popular because they combine the system and appliance coverage. Having this type of well-rounded coverage throughout your entire home is quite essential. American Home Shield is known for some of its add-on coverage, especially the pool and spa options they offer. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

American Home Shield also has a customizable service fee. You can choose a service fee between $75 and $125, and the price of the monthly plan will fluctuate based on the service fee you choose. 

If you care about premium coverage for your Indiana home and a home warranty company that you can trust, American Home Shield is a great option to consider. A company won’t make it in the home warranty industry for 50 years unless they are doing some things correctly.

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

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is the most cost-effective home warranty plan for Indiana homeowners. The cost of owning a home can be quite a burden, and many people set budgets. If you want to try and stay as close to your budget as possible, Select Home Warranty is a perfect choice. With about nine years in the home warranty industry, Select prides itself on only choosing the most highly qualified repair technicians and service personnel. This means your repairs will be speedy and successful. In addition, Select Home Warranty gives free roof leak coverage will all of the plans it sells. 

There are three standard packages available from Select Home Warranty. A systems plan, appliances plan, and a combo plan will give you an excellent range of coverage choices for your Indiana home. However, it is essential to note that the combo plan from Select Home Warranty is one of the best values on the market. This is just a few dollars more per month but includes everything in the systems and appliances plan. Overall the add-on coverage from Select is quite impressive as well.

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

When it comes to service fees, Select Home Warranty has one of the lowest on the market at just $60. This is considered very reasonably priced and will help those trying to choose an economical home warranty. 

Paying attention to the overall costs of the home warranty you choose is quite smart. After all, purchasing a home warranty is all about saving money and getting the coverage you need for your Indiana home.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in the state of Indiana. The interesting thing about Liberty Home Guard earning this reputation and place in the market is that the company is only two years old. In just two years they have managed to earn a BBB rating of an A. This is almost unheard of in the home warranty industry. You can read many positive reviews about the Liberty Home Guard’s speed of service and attention to detail. The plan coverage is quite broad, and the overall workmanship and quality are not lacking with the Liberty Home Guard plan. 

There are three plans from Liberty Home Guard to choose from. You can pick the appliance plan, systems plan, or combo plan. Each of these plans is slightly higher in price than others on the market, but when you compare individual coverages, you will start to see why. If your Indiana home has any unique features, the add-on or optional coverage choices from Liberty Home Guard are extensive. 

The add on coverage from Liberty Home Guard is quite extensive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Just like Select Home Warranty, Liberty Home Guard has a service fee of $60. This helps to make the plan a bit more affordable overall. 

It takes a lot to be considered a good home warranty from customers and homeowners. The business is a tough one and requires knowledge about many different areas. Liberty Home Guard is off to an impressive start in the home warranty industry, and we expect to see them thrive for years to come.

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

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty for appliance coverage in Indiana. If you are undecided about the home warranty plan and whether or not it is the right choice for your Indiana home, it makes sense to start with appliance coverage. With more than 37 years in the home warranty industry, First American has put together an affordable and easy-to-manage home warranty for appliances. First American is known for excellent customer service and impressive overall workmanship. 

The First American Home Warranty has narrowed its plan down to just two choices. The first is the appliance plan, and the second is a Premier Plan covering both systems and appliances. Some options allow First American Home Warranty customers to build out a plan that works specifically for their home. Whether you have a pool or a spa or want to purchase the First Class Upgrade to ensure all areas of a repair are covered, First American can be an intelligent choice. 

The optional coverage choices from First American Home Warranty include:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

First American home warranty comes with a service fee of $85, about average in the home warranty industry in Indiana. 

It takes quite a bit of attention to detail, impressive customer service, and quality workmanship to make it 37 years in the home warranty industry. Suppose you value a company that has been in business for a long time and understands the importance of keeping your Indiana home in working condition. In that case, First American Home Warranty is a perfect choice.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

To find out more, read our First American Home Warranty review.

Indiana Home Warranty Buying Guide

Now that we have done the hard part of narrowing these plans down to the top five on the market, you will have to select which one will be the best for you. Although there are lots of ways to narrow down a home warranty plan, there are three crucial things to keep in mind at all times. These three things include service fee pricing, workmanship guarantee, and plan choices. 

  • Service Fee Pricing: The price of a service fee is an important policy feature to pay attention to. If you think your home will see quite a few repairs, choose a service fee that is affordable and fair. When service fees get closer to $150, it can be hard to afford several of these in a month, in addition to your monthly policy pricing. 
  • Workmanship Guarantee: When a repair is made, you will want to ensure that it will last. Most companies offer a workmanship guarantee of 90-180 days. Try to find a plan that will guarantee their work for as long as possible. 
  • Plan Choices: Some companies offer systems only or appliance-only plans, and others feature combo plans. The plan choices should match up precisely with the appliances and systems in your home that matter most to you. Think about what you can’t live without and make sure they are covered under your plan. 

Top Home Maintenance Problems in Indiana

Indiana homeowners will see a full range of weather patterns throughout the year. Weather and change of seasons will have a significant impact on the systems and appliances in your home. Three of the top home maintenance problems in Indiana include HVAC, heating systems, and roof leaks. Let’s take a look at how having a home warranty can help you deal with these top home maintenance problems. 

  • HVAC: The Indiana summers can get quite warm, and you will want to ensure that your HVAC system is in good working condition. Many Indiana homeowners run into the problem that it can be hard to find an available HVAC contractor in the summer. Most home warranty contracts will guarantee service in a 24-48 hour window, making this an issue that home warranty customers never have to worry about. 
  • Heating System: As warm as the Indiana summers are, the winters can be just as cold. If your heating system breaks down in the winter, it can be quite expensive to fix it. With a home warranty in place, expect to pay just your service fee for a complete repair. 
  • Roof Leak: Indiana is known for having quite a bit of wind and heavy rain. During these storms, roof leaks can come about. If roof leaks are not attended to quickly, you will see more significant damage to systems and appliances. Having roof leak coverage means that you can get a quick fix for a fair price. 

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Our Conclusion

Hopefully, you now feel a bit more confident about the home warranty coverage options in the state of Indiana. Choose a home warranty that works with your budget and the coverage needs of your home. We are impressed with the Choice Home Warranty and all that it has to offer. With over 13 years in the home warranty industry, expect Choice to give you the coverage and the customer service you would expect from a top-quality home warranty plan. It makes sense to get a few different quotes for coverage to be able to compare the home warranty company that puts together the best package for your Indiana home. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Indiana Home Warranties

How Much Does A Home Warranty Cost In Indiana?

The 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. 

What Is A Service Fee?

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. 

What Is The Best Home Warranty Company In Indiana?

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. 

Is A Home Warranty Worth It?

The home warranty is an excellent choice for the homeowner 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 will be a great choice. It provides peace of mind, and protection of your budget, two things that are quite important in home ownership. 

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