Best Home Warranty Companies in Indiana

A home warranty helps protect Indiana homeowners from the expenses that come with unexpected repairs to appliances (i.e. washers, dryers, refrigerators, garage door openers, etc.) and other home systems (i.e. air conditioning, heating, plumbing, electrical, etc.). Different from a home insurance policy, a home warranty is a service contract that covers major household items that need to be repaired and replaced.

If you’re looking for the best home warranty in Indiana, keep reading to learn about the top home warranty companies in the state, common home maintenance issues faced by Indiana homeowners, and important home warranty buying tips.

Indiana’s best home warranty companies

Indiana, known as the Hoosier State, lies within the Midwestern and Great Lakes regions. Indiana borders Lake Michigan to the northwest, Michigan to the north, Ohio to the east, Kentucky to the south and southeast, and Illinois to the west. Indianapolis is the capital and largest city, and Vincennes, previously a French fur trading post, is the oldest city.

Indiana’s state bird is the cardinal, and the state tree is the tulip tree. Indiana has hot, humid summers and very cold winters. The humidity can put extra stress on home appliances and systems, requiring extra maintenance. Additionally, the drastic temperature changes between summer and winter can impact how a home’s systems and appliances function over time.

Top home maintenance problems in Indiana

The below are the most common home maintenance issues Indiana homeowners are likely to encounter.

• Faulty electrical system—Faulty wiring can be common in older homes. However, this is still a major safety concern and should not be overlooked. The system may need to be replaced entirely to make it safe.
• Poorly maintained heating system—Heating systems that are older or have been neglected are a safety concern, as well as a health threat. This often requires a full furnace replacement.
• Leaky roof—Older homes can be susceptible to leaky roofs caused by water damage from old shingles. Individual shingles aren’t too costly to replace, but replacing an entire roof is a large expense.
• Gutters improperly draining—While a common issue that can be remedied by removing debris from your gutters every season, poor drainage requires new gutters and downspouts to be installed.
• Structural damage—This type of issue is best looked at before it escalates into something more serious. Structural damage can often be caused by water entering into the foundation, through the roof, or through the floor joists.
• Plumbing issues—In older homes, the plumbing may not be up to current code. There may be out-of-date materials used or faulty fixtures present. Inexpensive repairs would include replacing a fixture, while more costly repairs would mean replacing the entire plumbing system. Additionally, when frost sets in during an Indiana winter, the pipes may freeze and start to erode.
• Poor ventilation—Lack of ventilation can result in moisture accumulation and mold growth throughout the house in the bathrooms and walls.
• Water entry—Water can enter through the doors and windows due to the weather issues Indiana faces, as well as from damaged caulking. 
• Health hazards—Found in older homes, these types of concerns include lead-based paint, asbestos, radon, or contaminated drinking water.
• Lack of overall maintenance—Sometimes a home’s overall appearance and functionality is simply due to an overall lack of care and maintenance. This may include peeling paint, broken fixtures, poor wiring, or crumbling masonry. While some of these repairs are cosmetic, plumbing or electrical repairs are more serious.

Who is eligible for a home warranty in Indiana?

There are different types of home warranties available based on the type of dwelling you occupy. While some home warranty companies offer coverage for single-family homes, other companies offer coverage for multi-family units and manufactured homes.

For those who are transitioning from being a renter to a homeowner, not having a landlord or management company to call can be an adjustment. A home warranty company can fill in for that role.

A home warranty is especially helpful for those on fixed incomes, those who don’t have home repairs factored into their monthly budget, landlords who own rental properties, first-time homebuyers who are used to contacting the rental unit’s maintenance staff to fix repairs, or a home seller who can transfer the pre-existing warranty to the new buyer, among others.

What is covered under an Indiana home warranty?

In Indiana, a typical home warranty covers plumbing, HVAC systems, kitchen appliances, and ceiling and exhaust fans, among other items. The best home warranty in Indiana includes coverage for major home systems and appliances, as well as plumbing, electrical, and HVAC systems.

Coverage varies by home warranty company and their respective plan levels, but there are basic home appliance and system repairs that are covered under most home warranty companies. Some companies, such as American Home Shield, offer the option to customize home warranty plans, which is beneficial for those who want to cover only certain appliances or applicable systems.

Commonly covered systems may include:

• Heating and air conditioning
• Ductwork
• Electrical


• Plumbing
• Doorbells
• Smoke detectors

• Ceiling fans
• Water heaters

Commonly covered appliances may include:

• Refrigerators
• Ovens
• Stovetops
• Washing machines
• Clothes dryers
• Dishwashers
• Microwaves
• Garbage disposals
• Pools 
• Well pump
• Septic pump

Note: Most home warranty companies only cover items that have broken down to normal wear and tear. Items with pre-existing conditions or ones that have been poorly maintained typically won’t be covered.

How much does a home warranty cost in Indiana?

A home warranty in Indiana can range between $100–$6,000. The average cost for a home warranty will vary based on the amount of coverage you need for your home, the type of home you live in, and the home warranty provider you choose.

Note: Home warranty contracts are typically renewed on an annual basis, and customers are billed monthly.

In addition to the annual cost of the plan, homeowners are charged a fee every time a service call is made that results in a technician being sent to the home. Each company and policy varies for the service fee surrounding multiple visits for the same repair.

Depending on the type of policy, when the maximum coverage limit is reached, contract holders may be responsible for the cost of repairs. It’s also important to double check that the necessary repair is included in the contract before filing a service request.

For example, if your dishwasher breaks down and can’t be repaired, the cost to replace the dishwasher would be $1,000, but the home warranty policy has a $500 dishwasher coverage limit. It’s common for a home warranty company to provide payout for $500 while the homeowners cover the remaining $500.

How does a home warranty work in Indiana?

In Indiana, the home warranty repair process is extremely consumer-friendly. For example, if an appliance in your house breaks, below is how the general home warranty repair process might look:

• Report a claim—When the appliance breaks, the contract holder (i.e. the homeowners) will contact the home warranty company. The home warranty company then opens a claim to begin the repair process. 
• A local professional is assigned—The home warranty company assigns a technician from their vetted network of home repair professionals.
• The repair or replacement takes place—A technician comes to the house to repair the broken appliance and the homeowner pays the home warranty company a service fee.

Home warranty regulations and restrictions in Indiana

The Indiana Department of Insurance can be helpful to understand any rules and regulations concerning Indiana homeowners purchasing a home warranty.

Why is a home warranty necessary?

There are 6.7 million people living in Indiana, and almost 69% are owner-occupants. The median year a house was built in Indiana was 1969, so it’s likely these houses will need their mechanical systems or appliances replaced, which can be costly. A home warranty would cover these older appliances and would protect other major systems in your home at a reasonable cost.

Many home-related expenses are unknown, so a home warranty can cover any surprises thrown your way. Not only will a home warranty save money on home repairs and replacements, it takes away the fear of the unknown pricing if something breaks. Indiana homeowners can benefit from the peace of mind knowing that these maintenance costs will be covered under warranty.

In addition to homeowners purchasing home warranties, other reasons to invest in a home warranty are for home selling reasons. Real estate agents sometimes gift home warranties to clients as a closing gift, or sellers may include it in their offer package to incentivize buyers to purchase the home.

How to buy a home warranty in Indiana

Before you buy a home warranty in Indiana, it’s a good idea to research the different companies, assess the different plan levels, and ensure they offer the coverage you feel comfortable having. Then, we recommend contacting the Indiana Department of Insurance to verify that the home warranty company is licensed, bonded, and secured. The Indiana Department of Insurance protects homeowners during insurance-related purchases (for example, purchasing a home warranty).

Factors to consider when buying a home warranty in Indiana include:

• The company’s reputation/ratings
• Age of your house
• Condition of the home
• Climate of the area

Indiana home warranty reviews

Below are several customer reviews found on TrustPilot that describe individual home warranty experiences.

Select Home Warranty review on TrustPilot:

“So as a soon to be first homeowner, I have been doing a bit of research on all the options available to me since I have slowly been learning about all the processes involved. Upon shopping around for different home warranties, I could not find a decent policy that gave me the protection and value that I wanted. That is, until I came upon Select Home Warranty.”

American Home Shield review on TrustPilot:

“The dishwasher was 10 years old, but since it was a good one, they decided to repair it since it was cheaper. And the forced air heater they covered, replacing the motor which just stopped working one day. I couldn’t be happier. I will use them for a long time now. Way, way better than the other company. Very professional and helpful staff as well.”

Our conclusion

Purchasing a home warranty is important because it provides homeowners with a central location to fix the inevitable damages that come with owning a home. Home appliances and systems will likely need repair work at some point, and a home warranty company can help protect your finances from unexpected repair bills.

Purchasing a home warranty in Indiana is accessible for every type of homeowner, buyer, or seller. While assessing the best home warranty in Indiana can be overwhelming, it’s worth it in the long run when you face broken appliances or faulty systems.