The moment you experience an appliance breakdown or AC compressor failing on the hottest day in summer, you’ll discover all the exceptions in your homeowners insurance.  Major appliance and system damage and malfunction are typically only covered if they result from a qualifying event. 

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

When you’ve stocked up before a Bengals game, it’s a bad time for your refrigerator to stop running. If your home warranty covers your refrigerator, you can file a claim and have the problem fixed within a few days.

Once you start shopping for home warranties, you’ll find a plethora of options. It’s hard to figure out which is the best home warranty available to Kentucky homeowners.

If you’re new to home warranty contracts, they can be confusing, especially when it comes to what they don’t cover. Filing a claim and receiving service isn’t always simple. To find the best home warranty company in Kentucky, I applied for quotes online, called and requested quotes and information, read customer reviews, and compared what each home warranty covers.

We also use Today’s Homeowner’s specific review criteria to determine rankings and call and apply for quotes ourselves. Actual factors analyzed include plan options, affordability, coverage limits,  and more. Our goal is to help you choose the best home warranty coverage in Kentucky that gives you the coverage you need for peace of mind.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Kentucky Home Warranty Companies

    Liberty Home Guard: Best For Customization
    Highlights
    • Liberty Home Guard comes out on top with the most add-ons of any service provider, great customer service, and fast turnaround times for service requests in Kentucky.
    • Read a home warranty’s exclusions before buying to avoid unpleasant surprises when you file a claim. Many complaints about home warranties stem from a misunderstanding of what the policy includes and excludes. Look for exclusions regarding misuse, maintenance records, or preexisting problems. AFC Home Club, for example, requires past maintenance and repair records to approve claims.
    • If you live in eastern Kentucky and have lived through recent significant flooding, buy a policy from a company that has add-on coverage for sump pumps — like Liberty Home Guard or Choice Home Warranty. Just remember that repairs necessitated by weather and disaster events themselves are generally not covered by home warranties.

    My Expert Recommendation

    Today’s Homeowner Tips
    I recommend Liberty Home Guard (LHG) because the company charges reasonable premiums and service fees for technician visits, has a great technician network, and responds to claims within 24 hours.

    No one wants to come home from work to an inch of water on their kitchen floor and spend their evening calling plumbers. A home warranty saves you time — instead of tracking down qualified technicians, you file a claim with your warranty provider, and it does the rest. I recommend Liberty Home Guard (LHG) because the company charges reasonable premiums and service fees for technician visits, has a great technician network, and responds to claims within 24 hours.

    The assistance I got from the LHG phone representative was head and shoulders above that of the competition. LHG has some of the best customer reviews of its competitors, and its website makes almost everything you need to know easy to find.  You can get a free quote online or by phone. 

    LHG’s pricing is within the range of the other companies. While the company’s service fees (the fee charged when a service technician visits your home) are on the high side, when I spoke with a customer service representative on the phone, they agreed to a lower fee. If I needed a lot of additional coverage for items like a sump pump, generator, or water softener, wanted great customer service, and could bargain for a lower service fee, Liberty Home Guard would be my choice.

    Today’s Homeowner Tips

    Make a list of all the appliances in your house. Ask yourself which of your appliances are the oldest and might break down soon. Pick a plan that covers the oldest appliances, at a minimum, and as many of the other appliances as possible.


    Kentucky Home Warranty Companies I Didn’t Include

    Unfortunately, there are reasons the home warranty industry has a bad reputation in some circles. Not all home warranty providers have clear contracts or fair and transparent sales processes, or make filing a claim easy. For exactly these reasons, there are two home warranty companies in Kentucky that I can’t recommend.

    With its spotty reputation, think twice before contacting ServicePlus Home Warranty. The company had to pay a settlement of $400,000 to the Pennsylvania Office of the Attorney General in 2021 for deceptive marketing. I didn’t select the box to allow the company to contact me by phone or text when I applied for a quote online, but the company did so anyway. 

    The Better Business Bureau (BBB) issued an alert cautioning consumers about doing business with US Home Guard in 2022. The company is known for confusing and deceptive marketing. Its fraudulent marketing uses scare tactics — Your home warranty is about to expire! — through mailers sent to homeowners that had never been customers.


    Compare The Highest Rated Home Warranties In Kentucky

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties in Kentucky

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    Despite being a newer company, Liberty Home Guard has a strong reputation. Its Trustpilot and Google reviews are overwhelmingly positive, with exceptions often relating to misunderstandings about coverage. Homeowners can customize their coverage from an extensive list of add-ons —the most out of all LHG’s competitors. 

    I really like that LHG doesn’t auto-renew contracts. No one likes those surprise auto-renewal charges. Customers can also cancel coverage for any reason at any time during the contract period and receive a partial refund if they paid for a year in advance. 

    Friendly LHG salespeople answered questions and gave me time to think about the free quote without complaint or pushiness. When I asked about additional discounts, the two representatives I spoke with both offered me better deals than the online quote. And the quote appeared in my inbox within minutes. 

    While LHG has a comprehensive list of add-on coverages, some homeowners may not need them. Choosing which add-ons you want can be overwhelming, and monthly or annual charges for them can add up quickly. Also, LHG’s pricing for additional coverage options can be higher than those of competitors. 

    Liberty’s service fee of $125 is also high for the industry. However, the representative offered me a lower price of just $85.

    I’d recommend Liberty Home Guard for Kentucky homeowners. Its large network of service technicians means you won’t wait long for a service provider to show up at your door. LHG’s app makes it easy to file and track claims. You won’t be stuck at home with no heat, wondering when your technician is going to show up. Whether you’re looking at its friendly service or its large list of customization options, Liberty Home Guard is a winner.

    The coverage plans Liberty Home Guard offers cover either appliances, home systems, or both. If you purchased an extended warranty on your appliances or coverage through your energy provider, it’s great to have the option to just cover systems. All plans start providing coverage 30 days after purchase. 

    The Systems Guard plan protects ductwork, air conditioner, plumbing systems, heating systems, electrical systems, and water heaters. The Appliance Guard plan covers all major appliances — refrigerator, stove/oven, range or cooktop, dishwasher, and washer/dryer. It even includes garage door openers, ceiling fans, exhaust fans, and garbage disposal. 

    The Total Home Guard plan combines the coverage of the Systems Guard and Appliance Guard plans.  It’s your best and most comprehensive coverage plan — a great pick if you don’t have warranties or other service agreements covering your systems and appliances.

    All plans offer two months free if you pay for the entire year in advance and additional months free if you prepay for additional years. And as I mentioned above, when I spoke to a customer service representative, they offered to reduce the service fee to $85 a call. According to him, in general better offers are available when you talk to a company rep.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$55.00$125One year paid in advance $499.99 (2 months free) online
    Systems Guard$55.00$125One year paid in advance $549.99 (2 months free) online
    Total Home Guard$65.00$125One year paid in advance $599.99 (2 months free) online $575 (2 months free) over the phone

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Louisville, KY. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty has a comprehensive list of available add-ons — more than any other competitor. Customers can select from these 42 add-ons:  

    • Pool and spa: $19.99/month
    • Additional spa: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Saltwater pool: $23.99/month
    • Generator: $19.99/month
    • Casita guest unit: $35.99/month
    • Sump pump: $8.99/month
    • Well pump: $12.99/month
    • Septic system pumping: $12.99/month
    • Ejector pump: $14.99/month
    • Grinder pump: $14.99/month
    • Limited roof leak: $11.99/month
    • Re-key: $9.99/month
    • Gutter cleaning: $14.99/month
    • Pest control: $14.99/month
    • Carpet cleaning: $19.99/month
    • Window washing/cleaning: $19.99/month
    • Power washing (exterior flooring): $19.99/month
    • Central vacuum: $8.99/month
    • Standalone freezer: $5.99/month
    • Water softener: $13.99/month
    • Swamp cooler: $14.99/month
    • Second refrigerator: $7.99/month
    • Trash compactor: $7.49/month
    • Ice maker (in-fridge): $3.99/month
    • Freestanding ice maker: $14.99/month
    • Wine cooler/fridge: $11,99/month
    • Water dispenser water line: $4.99/month
    • Instant hot water dispenser: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Lighting fixtures: $7.99/month
    • Plumbing fixtures: $7.99/month
    • Electronics protection: $19.99/month
    • TV mounting (up to 65-inch TVs): $14.99/month
    • TV mounting (up to 85-inch TVs): $19.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series standalone freezer: $14.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series washing machine: $4.99/month
    • Pro-series clothes dryer: $4.99/month

    Liberty Home Guard wants to offer every needed customization. If something you need covered isn’t on the list, LHG suggests reaching out to them. After you provide the make and model of your system or appliance, its website says the company “will make every effort to determine if we can provide you with specialized coverage for those items.”

    If you’re struggling with which add-ons to pick, the website will show you the most popular options in your area. It’s helpful to see what other Louisville, Kentucky, homeowners have chosen. 

    Exclusions

    All of Liberty Home Guard’s plans exclude the following: 

    • Flues, vents, chimneys, and exhaust lines
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Remote receiving and transmitting devices
    • Radon and other leak detection monitoring systems
    • Fire sprinkler systems
    • Lighting 
    • Solar systems and applications
    • Cosmetic defects
    • Disposal of appliances, systems, or components
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Glass parts
    • Noise
    • Acts of God

    Most of these are standard industry exclusions.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    The pricing for Liberty Home Guard’s three coverage plans is reasonable. Some add-ons cost slightly more than competitors charge — for example, a standalone freezer costs $7.99 a month versus $3.33 from Select Home Warranty. To get the best deals, pick up the phone or answer when a representative calls. 

    When secret shopping, I applied for a quote online and spoke to two representatives on the phone. The online form was quick and easy — pick your plan and any add-ons. Neither representative reacted poorly when I said I needed time to think about which plan to buy, and when I asked for a quote via email, it showed up in my inbox within minutes.

    The agents volunteered helpful information — for example, contracts don’t auto-renew, so there are no surprise credit card charges a year after you sign up. The renewal department will call you 60 days prior to your contract’s expiration date to check on renewing —which also gives you the chance to make changes to your policy.

    While Liberty Home Guard has only been in business for seven years, it’s built a strong reputation. It receives 4.7 out of 5 stars on  Trustpilot — the highest rating among its competitors. Reviewers praise great customer service and quick claim resolution. 

    It’s not uncommon for home warranty companies to receive negative customer reviews — unfortunately, most negative reviews reveal that many consumers fail to understand exclusions and coverage limits. Liberty Home Guard’s negative reviews fall into this bucket.

    Rating SiteRatingNumber of Reviews
    BBBNot Rated*Customer reviews are not used in the calculation of BBB rating
    Trustpilot4.7/5 stars2,298
    Google4.7/5 stars9,693
    Yelp1.5/5 stars60

    Editor’s Note: The ratings provided were accurate at the time of writing.

    *Note (as of 3/13/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time, the BBB has restored its A+ rating after a thorough review.

    After purchasing a Liberty Home Guard policy, you’ll receive a link to set up your customer portal on LHG’s app, where you can file claims and track your service technician’s progress and arrival times. 

    According to LHG’s representatives, most service requests receive a response within 24 hours. Service technicians will come out at night, on weekends, and on holidays without extra charges. A recent partnership with Progressive Insurance has expanded the company’s network of technicians, allowing them to promise a quick turnaround. 

    Liberty Home Guard sells policies nationwide (50 out of 50 states), which is a good sign for the company’s trustworthiness. It means that it has worked to comply with regulations across multiple state jurisdictions. 

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    My research shows that American Home Shield (AHS) has the best coverage limits — it’s an excellent choice if you’ve invested in high-end, luxury appliances or a heavily used HVAC system. Other companies set coverage maximums at $2,000 or $3,000 for HVAC work, but AHS gives you up to $5,000 in coverage. AHS’s ShieldPlatinum plan even includes a free HVAC tune-up.

    The ShieldPlatinum plan provides $4,000 in appliance coverage. If you didn’t purchase a warranty with your top-of-the-line refrigerator, American Home Shield’s higher coverage limits give it a clear advantage over its competitors. Shield Platinum also covers roof leaks up to $1,000 in repairs. The company’s policies include up to a $50,000 limit for the whole year’s coverage under every plan.

    American Home Shield’s waiting period before coverage starts (30 days) is shorter than that of most competitors —  and it doesn’t charge your credit card until coverage kicks in.

    Customers who’ve left reviews don’t have positive things to say about American Home Shield’s customer service. They complain that it’s hard to reach anyone to help with a claim and that there aren’t many service technicians in their area.  When I spoke with a customer service representative, I asked about response times in Lexington, KY. The representative said that within 24 to 48 hours of placing a service call, the company would send out a technician.

    Service fees also come in at the higher end of the range, $100-$125 per service call.  If you have an older home and appliances and have to make several service calls, the fees will add up fast. 

    You probably won’t need AHS’s higher coverage limits unless you have luxury appliances and complex systems. If you do, you’d maximize your protection from an American Home Shield home warranty. If it’s affordable, select a higher service fee, which lowers your monthly premium. 

    American Home Shield sells three service plans. The most basic, ShieldSilver, covers your heating and air conditioning systems, electrical systems, and plumbing systems. The next-level plan, ShieldGold, includes everything in the ShieldSilver plan plus kitchen and laundry appliances such as your clothes washer. 

    With ShieldPlatinum, the highest-level plan, you get everything else plus roof coverage — a rarity in the home warranty industry. Heavy rainfall has meant roof leaks in parts of Kentucky over the past few years. Roof coverage might be just what the weather forecaster ordered.

    American Home Shield stands head and shoulders above competitors when you look at its coverage limits. The HVAC limit is $5,000 per system for each plan. The appliance limit is $2,000 per appliance under the ShieldGold plan and $4,000 per appliance under ShieldPlatinum. ShieldPlatinum even covers $250 of repairs needed due to code violations, or pulling permits, and code modifications if your repair requires a fix, modification, or permit to conform to code. 

    AHS’s website currently offers 40% off ShieldGold, but none off its other plans. If you pick a higher monthly premium, it will lower your monthly premium. For example, with the ShieldGold plan and a $125 deductible, the monthly fee is only $30.00. If you pick a $100 deductible, the fee rises to $36.00.

    PlanMonthly CostService FeeAvailable Discounts
    ShieldSilver$35.83 or $25.83$100 – $125No current discount
    ShieldGold$36.00 or $30.00$100 –$12540% off on the website
    ShieldPlatinum$85.83 or $75.83$100 – $125No current discount

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Louisville, KY. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    If you have a home with a lot of extras, American Home Shield’s smaller number of available add-ons, as listed below, could strike it from your list of potential home warranty providers. However, not all home warranty plans offer roof leak protection, which is a great add-on. 

    • Roof leak repair: $10/month
    • Electronics protection plan: $14/month 
    • Pool & built-in-spa equipment: $18/month
    • Guest unit: $15.99/month
    • Septic pump: $5/month
    • Well pump: $8/month
    Exclusions

    There’s nothing outside the norm on American Home Shield’s exclusions list. Exclusions include: 

    • Construction or carpentry costs
    • Restoration of walls
    • Flues, chimneys, venting, and exhaust lines
    • Repairs or replacements due to cosmetic defects
    • Repairs due to mold
    • Appliances not covered under the ShieldSilver plan
    • Natural disasters

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    While you get amazing coverage with AHS, its higher service fees knock a few points off affordability. Coverage limits are per contract term — if your HVAC needs a $5,000 repair in the first year of a three-months of your plan, you won’t have coverage for future repairs. 

    Monthly fees fall within the industry range, but it’s slightly confusing to have the option to adjust them based on the service fee. 

    It was easy to obtain an online quote, but service over the phone the two times I called American Home Shield varied. The first time I called the representative rushed through answers to questions and pushed to close the deal. The second time the representative asked me more questions about coverage needs and took more time.  

    However, the second time I called, the representative did not offer the discounted pricing until I asked why his quote was different from the online quote. Only then did he offer me the 40% off. 

    Today’s Homeowner Tips
    It might be worth it to have an online quote ready when you talk to any warranty provider to make sure you’re getting every available deal.

    American Home Shield has a BBB score of B. Complaints mention poor customer service, a lack of qualified service technicians in the customer’s area, and difficulty canceling contracts. 

    From reviews, it’s obvious that positive or negative experiences depend heavily on the local service technicians. Positive reviews do state that American Home Shield replaced several major appliances and paid significant portions of large repairs. 

    Rating SiteRatingNumber of Reviews
    BBBB/2.111,181 reviews
    Trustpilot2.2  / 5 stars5,197
    Google2.82,379
    Yelp1.1 / 5 stars1,256 reviews

    Editor’s Note: The ratings provided were accurate at the time of writing.

    File claims online or call the company for service. Expect a turnaround time of 24 to 48 hours for it to set up a  service appointment. It responds to emergencies within 24 hours. If there’s an issue with a repair within 30 days, the company sends out another service technician for free. 

    American Home Shield has a large network of 17,500 contractors and 45,000 service technicians and sells policies nationwide. 

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    A great option for homeowners on a budget, Select Home Warranty (SHW) has reasonably priced plans and one of the lowest service fees in the business. Competitor’s service fees start at $100 and go up, but every plan under Select Home Warranty charges an $85 service fee.

    The company dispatches service technicians within 24 to 48 hours and guarantees service technicians’ workmanship for up to 90 days. Since Kentucky is what SHW calls a “triple green” area, one with its highest coverage, you have access to an emergency response team. Emergency response teams stand ready to provide service for emergencies such as a heat failure on a cold day within four hours. Select rates the areas it covers by the number of available service technicians — triple green means that they have the best network there. If your AC, heat, or water heater goes out, or your plumbing needs repairs, it promises same-day service at no extra charge. 

    Select Home Warranty has some of the cheapest premiums in the business, but the trade-off could be less-than-satisfactory customer service. Customers complain about denied claims or repairs that took too long. Policies also have limited add-ons, which wouldn’t work for luxury homeowners.

    SHW’s deals are slightly confusing, with discounts and the availability of free months of coverage depending on whether you pay monthly or annually.

    Select Home Warranty has a large service technician network in Kentucky and a 24- to 48-hour response time for reasonable premiums and a service fee that’s lower than that of most competitors. It’s great that it doesn’t charge for emergency, same-day service, especially if your AC fails on a 85°F June day. 

    Select Home Warranty sells three plans. The Gold Care plan is perfect for homeowners who only want to protect their systems — for example, if warranties already cover your appliances. The Bronze Care plan serves those who need appliance coverage, and Platinum Care includes both systems and appliances. 

    The Gold Care plan covers air conditioning, heating, plumbing, and electric systems, along with ductwork and water heater. Under the Bronze Care plan, your refrigerator and also the washer/dryer, stove/oven, garbage disposal, dishwasher, built-in microwave, and cooktop receive coverage. 

    The Platinum Care plan combines the Bronze and Gold Care plans and adds on a garage door opener, ceiling fan, and plumbing stoppages. Discounts are available online. If you prepay one year, you’ll get two months free (added on to the total contract term, making it 14 months) and $150 off. 

    You can cancel your policy and receive a pro-rata refund or a pro-rata portion of any reimbursed claim. That means your reimbursement will depend upon the number of months you’ve already paid for your policy.

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$60.42$8525% discount off the monthly premium on the website.Also two months free if you pay the annual fee up front.
    Gold Care$60.42$7525% discount off the monthly premium on the website.Also two months free if you pay the annual fee up front.
    Platinum Care$63.75$7525% discount off the monthly premium on the website.Also two months free if you pay the annual fee up front.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Louisville, KY. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty has standard add-ons with affordable pricing. With fewer options than Liberty Home Guard but more than American Home Shield, its offerings are middle of the road. 

    • Central vacuum: $3.33/mo
    • Lawn sprinkler system: $5.83/mo
    • Pool: $8.33/mo
    • Roof leak: $0/mo
    • Septic system: $5.83/mo
    • Spa: $5.83/mo
    • Standalone freezer: $3.33/mo
    • Sump pump: $3.33/mo
    • Well pump: $3.33/mo
    Exclusions

    Other exclusions are: 

    • Preexisting conditions
    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by the leak)
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks) 
    • Common areas in condominiums or family homes
    • Solar heating systems
    • Damage caused by natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty charges $75 for a service call, versus the $100 to $125 charged by some competitors, making it a bargain. It charges a comparable, or cheaper, rate for monthly premiums than competitors and offers discounts. 

    You can request a quote and purchase online, though you might get better deals if you call. Within a few screens of starting your quote, various plans appear in an easy chart format. The representative I spoke with was friendly and volunteered information — such as the availability of an emergency response team of dedicated technicians who stand ready due to the large service technician network in Kentucky — that I hadn’t thought to ask about.

    Select Home Warranty’s customers report mixed experiences. The company has a B rating with the Better Business Bureau, but customers rate it 1.43 out of 5 stars on the BBB website. Customers claim that the company refused to pay for 100% of repairs, denied every claim they submitted under their plans, or took a long time to send out a service technician.  

    The company fares better on Trustpilot, with a customer rating of 3.8 out of 5 stars. Positive reviews only address the sales experience while buying a policy, while negative reviews address actual service and coverage. The sharp division in the reviews between before and after purchasing a policy leads me to wonder if the company puts its effort into getting your business rather than keeping it.

    Rating SiteRatingNumber of Reviews
    BBBB/1.32,002
    Trustpilot3.8/5 stars4,620
    Google1.627

    Editor’s Note: The ratings provided were accurate at the time of writing.

    It’s easy to submit a claim with Select Home Warranty — there’s a button on the home page of its website that takes you to its customer portal to submit claims. The company promises to contact a licensed technician within 48 hours of claim submission for normal claims. It’s a longer response time than most of SHW’s competition, which is disappointing. Select Home Warranty also doesn’t guarantee when it’ll schedule the repair.  

    Homeowners nationwide can purchase coverage through Select Home Warranty. Its large network increases confidence that you’ll receive service if you need repairs. 

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    Elite Home Warranty (EHW) only opened its doors in 2020, but it’s already built a strong reputation. Customers rate it highly on review sites, it doesn’t nag you incessantly after you apply for a quote, and it’s accessible through multiple service channels if you need to file a claim. Elite appears to have learned from the problems other companies have faced and is trying to do better. 

    Work comes with a 90-day parts, labor, and installation warranty. Higher coverage limits work well for homeowners who’ve invested in luxury appliances. Not only are these appliances more expensive to buy, they cost more to repair. 

    In my secret shopping, I found that some of EHW’s add-ons cost more per month than those of competitors —such as $8.33 for a sump pump as compared to Select Home Warranty’s pricing of $3.33, but still less than Liberty Home Guard’s $8.99. There are extra charges for luxury appliances, which somewhat undermines the benefit of the higher coverage limits. 

    The company also charges extra if you have a weekend emergency — the service fee jumps from $70 to $150.  Since appliances never break at convenient times, if anything goes out at night that requires a specialized technician, the service fee is also $150. 

    Elite Home Warranty has been carving out its niche in a crowded industry through great customer service, high coverage limits, and a parts and labor warranty. It’s an excellent pick if you have high-end appliances or want assurance that any repairs will, well, stay repaired. 

    When shopping Elite’s warranty plans, you can pick either a systems-only or appliance-only plan or opt for the most comprehensive plan with amazing coverage — Elite Complete. Repairs and replacements have a 30-day workmanship guarantee.

    Elite, like its competitor American Home Shield, has higher coverage limits than industry standards, which typically max out at around $3,000. It covers appliances up to $6,000, and system payouts are as much as $10,000 — both outstanding sums that I haven’t seen any other home warranty company match. Even American Home Shield only offers up to $5,000 on HVAC. 

    While I was secret shopping, the customer service representative offered a special 30-day free trial for the policy and $150 off to get started. As with many home warranty companies, phone representatives incentivize callers with the best deals. 

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$34.99$70$150 upon sign-up, 30-day free trial
    Elite Systems$49.99$70$150 upon sign-up, 30-day free trial
    Elite Complete$59.99$70$150 upon sign-up, 30-day free trial

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Louisville, KY. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Elite Home Warranty gives homeowners almost as many options for add-ons as Liberty Home Guard, allowing homeowners to customize their plan to meet their needs. Pick from the following list (prices are per year):

    • Annual HVAC maintenance: $299.99
    • Attic exhaust fan: $69.99
    • Central vacuum: $49.00
    • Drainage, sewer, and water service lines: $349.99
    • Effluent pump: $99.99
    • Ejector pump: $99.99
    • Freestanding freezer: $59.99
    • Freestanding ice makers: $59.99
    • Freestanding spa equipment: $119.99
    • Generator: $99.99
    • Geothermal heating and cooling systems: $299.99
    • Grinder pump: $99.99 
    • Guest house: $299.99
    • Jetted hot tubs: $99.99
    • Lawn sprinkler system: $99.99
    • Lift pump: $99.99
    • Limited patching repair: $99.99 
    • Pool and spa equipment: $199.99
    • Pool equipment: $149.99
    • Premium appliances: $249.99
    • Premium benefits: $199.99
    • Premium systems: $299.99
    • Premium systems plus: $499.99
    • Septic system: $129.99
    • Sump pump: $99.99
    • Swamp cooler: $149.99
    • Water softeners: $99.99
    • Water filtration system: $99.99
    • Well pump: $99.99
    • Wine cooler: $69.99
    Exclusions

    Like all home warranty providers, Elite’s service contracts have normal exclusions. 

    • Natural disaster-related damages
    • Acts of God
    • Commercial-grade appliances 
    • Units in a rental property
    • Cosmetic damage
    • A lack of maintenance

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    The “lack of maintenance” exclusion concerns me. It’s a convenient excuse to deny claims. If you choose Elite as your warranty provider, make sure that you keep good maintenance records. 

    Monthly plan pricing is within competitors’ ranges or cheaper. The Elite Complete plan, for example, costs less than American Home Shield’s Platinum Plan. However, while Elite’s monthly pricing is competitive, using its services could incur additional fees beyond the standard service charges. 

    Pay attention to the extra fees of $150 for servicing professional-grade appliances or for service calls during weekends or after hours. This isn’t common with other providers — Liberty Home Guard charges no extra fees for nights and weekends.

    Elite’s website has plan information, discloses its BBB reviews as compared to competitors, and discusses its claims process on the main page. Its “homeowner hub” publishes great articles on home maintenance, improving property values, and home warranties, which could be very helpful to first-time homebuyers.

    The customer representative gave me a clear explanation of the plans — though he did jump right to selling me the most expensive plan. Polite and friendly, he explained that Kentucky is a well-covered area and Elite guarantees a 24- to 48 hour arrival window for any service calls. 

    While Elite Home Warranty has great reviews, it doesn’t have many of them. Home warranty companies spark strong feelings from customers, so it’s odd to have so few reviews. 

    Customers praise EHW’s customer service representatives and frequently mention how they go above and beyond. They say it’s easy to sign up, the company handles claims quickly and efficiently, and service technicians are professional.

    Rating SiteRatingNumber of Reviews
    BBBA+/4.97367
    Trustpilot4.7/5 stars54
    Google4.7/5 stars106
    Yelp5/5 stars4

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Elite has a lower rating for its claims process. You can file a claim online or over the phone 24/7/365, but it charges a higher service fee for after-hours emergency services. If your sump pump breaks and your basement fills with water, or a dishwasher hose springs a leak, you’ll be waiting for help to arrive unless Elite can find a technician (emergency service isn’t guaranteed). If it can find someone to provide service outside normal business hours, you’ll also pay a higher service fee of $150 versus $70 for the call.

    However, once it’s during business hours, response time is between 24 and 48 hours.

    Elite Home Warranty answers calls 24/7/365, though weekend service costs extra. File claims online or by calling. Elite sells plans in 46 states and Washington, D.C. — California, Texas, Wisconsin, and Washington aren’t covered.

    Best for Additional Benefits

    AFC Home Warranty

    4.3

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    With AFC Home Club’s four plans, homeowners are sure to find one that works for them. The flexibility offered by multiple plans extends into its pricing. Homeowners can lower their monthly premiums by selecting a higher service fee. 

    Serving customer needs is high on AFC’s priority list, and it shows on the company’s website, which makes everything you need to know easy to find. There’s a comprehensive overview of plans, the FAQs section answers most questions, and it’s easy to apply for quotes and submit claims. I like the high level of transparency in the company’s operations.

    While the company doesn’t offer emergency or same-day services, it will allow homeowners to use their own technicians. If you can find a plumber to come out at 3 a.m. to fix a leak, just call AFC’s claims department and verify that the plumber is licensed and insured. AFC will either pay the technician directly, or you can pay the technician and submit for reimbursement. 

    If you know you’ll want add-ons with your plan, you might want to shop elsewhere. Monthly pricing for AFC’s add-ons is the highest in the business. Coverage for a sump pump costs $35 a month, as compared to $3.33 a month from Choice Home Warranty or $8.99 a month with Liberty Home Guard. 

    I also find AFC’s reviews concerning, as many customers had poor claims experiences. Complaints often mention confusion about coverage limits and replacement policies. It’s always a good idea to familiarize yourself with the sample contracts available online to avoid surprises.

    For homeowners who don’t want add-on coverage, the options included in AFC Home Club’s four plans are extensive. It’s unusual in the industry for a plan to include electronics, but AFC covers them in itsDiamond Plan — great for homeowners who’ve invested in expensive electronics.

    You’ll find much of what you need to know on AFC’s great website — a good reference if you want to double-check something the representative told you on the phone. And free roof leak protection with every plan gives AFC the best additional benefits (many competitors either exclude roof coverage or charge extra for it).

    AFC Home Club gives homeowners four plan options — the most out of all the companies on this list. Choosing a higher service fee lowers your monthly premiums — similar to how picking a high deductible under homeowners insurance typically lowers your premiums.


    For homeowners concerned about appliance coverage, the Silver plan works best. It protects nine common household appliances — everything in the kitchen from the refrigerator to the garbage disposal, your washer/dryer, and a garage door opener. 

    Adding onto the Silver Plan, the Gold Plan includes your air conditioning and heating system, electrical systems, plumbing, water heater, and ductwork in its coverage. On the Platinum plan, you receive all of the benefits of the Silver and Gold plans plus plumbing stoppages, faucets, an ice maker,  a built-in microwave, and exhaust, attic, and ceiling fans. 

    It might not be worth it to pay an additional $35 per month, approximately, for the Diamond plan. In addition to all the coverage of the cheaper plans, AFC’s most comprehensive plan also covers electronics and exterior water and sewer lines. Someone with a ten-year-old television probably doesn’t need extra electronics coverage. And while exterior sewer line repairs are quite costly, if you know that your line is in good condition, why pay the additional amount?

    While AFC doesn’t currently have discounts or promotions running, in the past it’s offered up to $250 off annual costs and free roof leak protection. In the below table, the first monthly cost is if you select the $75 service fee, the second monthly cost is if you select the higher $125 service fee.

    PlanMonthly CostService Fee*Available Discounts
    Silver$39.08 or $34.33$75 –125None at the time of writing
    Gold$53.17 or $48.50$75 – 125None at the time of writing
    Platinum $57.92 or $53.17$75 – 125None at the time of writing
    Diamond$92.50 or $87.75$75 – 125None at the time of writing

    *If you choose the lower service fee, of $75, you pay the higher monthly premium. For example, the f $92.50 rate for the Diamond Plan pairs with the $75 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Louisville, KY. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AFC Home Club has a decent-sized list of add-on options, but most go for higher prices than those of competitors. It charges the most for a sump pump — something to keep in mind if you live in a flood area and anticipate possible sump pump repairs. 

    • In-ground pool: $100/month
    • Sump pump: $35/month
    • Ice maker: $25/month
    • Well pump: $50/month
    • Electronics coverage (price depends on your specific electronics) 
    • In-ground pool and spa: $150/month
    • Double oven: $25/month
    • Hot water dispenser: $25/month
    • Built-in microwave: $50/month
    • Stand-alone freezer: $25/month
    • Central vacuum: $25/month
    • Septic system: $50/month
    • Roof leak (free, worth $25/month) 
    Exclusions

    All of AFC Home Club’s plans exclude the following from coverage:

    • Crane rentals needed to move appliances or systems
    • Geothermal heating systems
    • Haul-away services
    • Light fixtures
    • Code violations
    • Appliances and systems not properly maintained

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    The company requires maintenance records and proof that you properly maintained some items before it will cover repair claims on them. For example, before accepting service requests on HVAC systems, an annual maintenance log from licensed technicians is required. If a technician made a recommendation for a repair on a prior visit and you decided not to have the work done, you forfeit coverage.

    This company isn’t ideal for homeowners who struggle to keep track of receipts and records. Lacking records could be an annoyance and a barrier to receiving service.

    The Diamond Plan carries a steep price tag — the most expensive of any competitor. However, it includes items such as exterior water and sewer lines that no other plan or company covers. Pricing for its other plans is comparable to that of competitors.

    If you plan on staying in your home for awhile and want to keep your rates low,  you can lock in pricing for five years.  It’s a great option that gives you long-term protection at affordable rates.  

    I appreciated AFC Home Club’s comprehensive website. I could find everything online and in writing, which allowed me to verify what I was told over the phone. Online information included sample contracts, the coverage under each plan, and pricing, making it clear that even though customers may claim that contracts are confusing, the company attempts to educate them about what is and isn’t included.

    When I spoke with the customer service representative, they were patient when answering all my questions. I asked for time to think about my purchase, and he didn’t pressure me to make a decision. 

    AFC Home Club’s B rating from the Better Business Bureau inspires confidence. On Trustpilot, customers give it 3 out of 5 stars and Google reviews show 3.7  out of 5 stars. 

    Most negative reviews mention that the company denied claims the homeowner thought their policy covered, that the service technician lacked necessary skills, or misleading fine print in the contract. AFC Home Club wants its customers to understand, so it offers sample contracts online, as well as pop-ups for each major appliance that explain what is and isn’t covered. 

    Limits are per membership term, up to $3,000 per item. If you buy a three-year policy, that is your term. If your HVAC broke in year one and the repair cost $3,000, then it broke again in year three, you’d be on your own for the year three repair. Limits on other items range from $150 to $300. 

    Rating SiteRatingNumber of Reviews
    BBBB/2.6172
    Trustpilot324
    Google3.71,594
    Yelp1.9334

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Online reviewers state that when the company approves claims, the process is positive. Reviewers liked that AFC Home Club regularly updated the claimant on the technician’s progress and the claim’s status.  Other reviewers mentioned knowledgeable and professional repair technicians. 

    File service requests by either filling out a quick form on the website or calling directly. A technician will contact you and make an appointment within 24 to 48 hours. Payment flows directly from AFC Home Club to the service provider. 

    AFC Home Club doesn’t offer coverage in California and Hawaii but operates in the remaining 48 states, giving near-nationwide coverage and indicating strong contractor networks.


    Calculate the Cost of a Kentucky Home Warranty

    Many home warranty providers have flat rate pricing for homes under 2,000 square feet. But if you’re curious what the cost of a home warranty could be for your home, answer a few questions in the Today’s Homeowner Warranty Cost Calculator to receive an estimate.

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Kentucky Home Warranty Regulations

    Departments of insurance or offices of the attorney general in each state often oversee home warranty operations and regulations. Currently, neither department in Kentucky provides information on home warranty regulations in the state, although the Office of the Attorney General is reported to be the responsible agency for home warranty issues. Consumer complaints can be filed with the Kentucky Attorney General using this form.

    When you’re choosing a home warranty provider in Kentucky, it’s vital to do in-depth research by reading genuine customer reviews and detailed analyses. Be wary of new companies without established track records — some policies that seem too good to be true probably are. By being a careful consumer and evaluating your options using verified information, you can choose a home warranty with greater confidence, even without government regulation.

    Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.

    Kentucky Home Warranty News

    The Kentucky Attorney General recently opened an investigation into Choice Home Warranty due to 47 consumer complaints dating back to 2018. The company has also paid settlements in other states. Most of the complaints relate to misunderstandings about exclusions and dissatisfaction with the contractors that the warranty company sent for repairs. 

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    Frequently Asked Questions

    Do You Need a Home Warranty in Kentucky?

    A home warranty can help prevent sudden high repair costs for your home systems and appliances through an affordable monthly premium that covers repairs and replacements. Kentucky’s climate makes coverage especially useful. 


    How Much Does a Home Warranty Cost in Kentucky?

    The average cost of a home warranty in Kentucky is $63.30. Coverage limits and covered items contribute to what a home warranty costs. The more you want your policy to cover, the more you’ll pay. 


    How to Save Money When Shopping for Home Warranties In Kentucky?

    To lower your monthly home warranty premium, look at providers such as AFC Home Club or American Home Shield. By selecting a higher service fee, you can reduce your monthly premium. Customer service representatives often offer better deals over the phone, so even if you completed an online quote, it’s worth it to pick up when they call.


    Is a Home Warranty Worth It for Kentucky Homeowners?

    A home warranty is worth it for Kentucky homeowners because the savings on just one covered repair can outweigh the policy cost. Home warranties provide peace of mind against expensive AC, appliance, and plumbing failures common in Kentucky.



    Other Resources for Kentucky Homeowners

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    Editorial Contributors
    avatar for Dena Landon

    Dena Landon

    Dena Landon has been writing in the real estate, finance, and insurance space for over ten years. Her work has appeared in national publications such as Good Housekeeping, Salon, and Homelight. Landon earned a Master of Business Administration from Capella University and a Master of Science in Accounting from the University of Massachusetts Dartmouth.

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    photo of Lee Ann Merrill

    Lee Ann Merrill

    Chicago-based Lee Ann Merrill has decades of experience writing and editing across a wide range of technical and scientific subjects. Her love of DIY, gardening, and making led her to the realm of creating and honing quality content for homeowners. When she's not working on her craft, you can find her exploring her city by bike and plotting international adventures.

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