Best Home Warranty Companies in Indiana

As a home buyer, you know that you need to maintain a comprehensive homeowners insurance policy to protect your property from accidents. But how can you protect yourself from massive repair bills when one of your home’s systems or appliances breaks down due to regular wear and tear?

A home warranty in Indiana makes it easier to cover your home repairs. In exchange for a monthly premium and a per-use service fee, you’ll have access to unlimited repairs, helping you fill that coverage gap that homeowners insurance creates. Read our guide to the best home warranty companies below to help you find a plan.

Indiana’s top 5 home warranty companies

Top home maintenance problems in Indiana

A home warranty can give you the peace of mind that comes with knowing that if one of your home’s major systems breaks down, you won’t be out thousands of dollars in repair bills. Here are some of the most common issues Indiana homeowners face that home warranties will help cover.

• Plumbing damage: Many homes in Indiana are older, and if the home hasn’t received regular maintenance, your plumbing system might suffer a major breakdown. Many home warranty plans include coverage for both plumbing breakdowns and stoppages.
• Faulty electrical systems: Older homes may also have older electrical systems that haven’t been properly maintained. A breakdown to this system can result in thousands of dollars’ worth of damage, but if you purchase a home warranty, you’ll only pay a small service fee for your repairs.
• HVAC breakdowns: Indiana has hot summers and cold winters, which means your HVAC system has to work year-round. While this constant use can lead to a breakdown, a home warranty will cover the cost of this breakdown for you. 

1. America’s First Choice Home Club

If you’re worried about the technician entering your home, consider a plan from America’s First Choice (AFC) Home Club. AFC Home Club is one of the only home warranty companies in Indiana that allows policyholders to choose their own service technician when they need a system repair or replacement.

AFC Home Club offers four plan options:

• System Plan: The System Plan covers six major home systems.
• Silver Plan: The Silver Plan offers coverage for nine major home appliances.
• Gold Plan: The Gold Plan offers coverage for all of the home systems and appliances in both the Silver and System Plans for one lower premium.
• Platinum Plan: The Platinum Plan covers everything included in the Gold Plan with a few extra coverages.

Here’s what you might expect to pay for your plan of choice:

You’ll also pay a per-incident service fee between $75 and $125. You can choose your own service fee, but choosing a lower service fee will increase your premium.

Claim your free quote from AFC Home Club now by filling out this online form or calling 877-755-1115. 

2. Choice Home Warranty

If you’re looking to find a reliable home warranty provider in a matter of minutes, consider Choice Home Warranty. Choice Home Warranty has over 10 years of experience in the home warranty industry, and their plans are easy to understand, making finding a policy quick and simple.

Choice Home Warranty has two plans:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 home systems and appliances.
• Total Plan: The Total Plan includes everything you’ll find in the Basic Plan plus coverage for a few additional items.

Take a look at how much Choice Home Warranty costs:

When you need a repair, you’ll pay the service contractor a maximum of $85.

Claim your free quote from Choice Home Warranty now by filling out this online form or calling 929-400-6164. 

3. American Home Shield 

American Home Shield is another well-established name with nearly 50 years of experience. The company offers three plan options that fit a wide range of customer needs, which means every homeowner can find a plan.

American Home Shield has three coverage options:

• Systems Plan: The Systems Plan includes coverage for 12 of the most common home systems.
• Appliances Plan: The Appliances Plan includes coverage for 10 common household appliances.
• Combo Plan: The Combo Plan includes all coverages found in both the Systems Plan and Appliances Plan. 

Take a look at these American Home Shield price estimates:

Like with AFC Home Club, you can choose your own service fee between $75 and $125.

Claim your free quote from American Home Shield now by filling out this online form or calling 888-365-2839. 

4. First American Home Warranty

First American Home Warranty is known for its optional First Class Upgrade, which extends your coverage to home systems and appliances that were improperly installed or maintained. This commonly-excluded coverage can be beneficial for homeowners that live in an older property and don’t know how the previous owners took care of the home.

First American Home Warranty currently offers two plans:

• Basic Plan: The Basic Plan includes coverage for nine home appliances.
• Premier Plan: The Premier Plan includes coverage for all appliances under the Basic Plan as well as a handful of systems.

Here’s what you can expect to pay for your plan from First American:

You’ll also pay a $75 service call fee every time you request service.

Claim your free quote from First American Home Warranty now by filling out this online form or calling 833-204-7164. 

5. Amazon Home Warranty

Amazon Home Warranty can be a great choice for homeowners that have a lot of items in their home that aren’t typically covered under a basic home warranty plan. Because of the company’s long list of add-on options, you can find coverage for every element of your home, including a lawn sprinkler system, a whole-house humidifier, and a wine refrigerator.

Amazon Home Warranty offers three plan choices:

• Appliances: The Appliances Plan offers coverage for eight home appliances.
• Systems: The Systems Plan includes coverage for eight home systems.
• Combo Plan: The Combo Plan includes all coverages that come with the previous two plans plus a few more.

View pricing information from Amazon Home Warranty below: 

You’ll also pay a service fee of $75 each time a technician visits your home.

Claim your free quote from Amazon Home Warranty now by filling out this online form or calling 866-605-8194. 

Indiana home warranty buying guide

With so many options, finding the best home warranty in Indiana can be a challenge. Be sure to consider the following factors before you commit to a plan:

• Desired coverage: Before looking for a plan, you’ll want to make a list of all of the appliances and systems you want covered. This will allow you to quickly eliminate all of the companies that don’t offer your desired coverage.
• Rural vs. urban coverage: Most home warranty plans include coverage for items typically found in an urban home, like a plumbing system. However, if you live in a rural part of Indiana, you’ll want a company that will cover rural aspects of your home, like a septic system.
• Home inspections: Some home warranty companies require a home inspection before starting your coverage. Getting a home inspection means that the company knows the condition of your systems and appliances, which prevents them from denying a claim down the road by saying the item was already malfunctioning when you purchased a plan. However, it does slow down the purchasing process. If you want quick coverage, you’ll want to look for a company that doesn’t require an inspection.

Our conclusion

In this review, we compared five of the largest home warranty providers in the state in terms of price, coverage, customer service, and more. Since the best home warranty provider will vary from homeowner to homeowner, we recommend getting quotes from at least three of these companies so that you can compare them and make a final decision that is right for you.

Frequently asked questions about Indiana home warranties

Can I get home warranty coverage if my systems and appliances are old?

Yes. Most home warranty companies will still protect your older systems and appliances as long as they are properly functioning at the time you purchase coverage. However, if they aren’t properly functioning, most companies will deny you coverage. An exception to this rule is First American Home Warranty with its First Class Upgrade.

Can I cancel my home warranty plan?

Yes. If you change your mind about home warranty coverage, most companies will allow you to cancel the plan at any time. If you cancel it within the first 30 days and haven’t filed any claims yet, you can usually get a full refund. If you cancel it later in the year, you’ll likely only get a partial refund. To cancel a policy, contact your home warranty provider, and a representative will walk you through the cancellation process.

How much does a home warranty in Indiana cost?

Depending on the coverage and company you choose, you’ll probably pay between $300 and $600 a year. You’ll also have to pay a service fee between $75 and $125 each time you request service on a broken item.