Best Home Warranty Companies in Kentucky

By Natalie Yerger

Buying a home can be one of the most exciting and expensive moments of your entire life. After you sign onto your mortgage loan and move into your new property, you’ll need to take steps to protect your home’s systems and appliances from expensive breakdowns. That’s where a home warranty comes in. In exchange for a monthly or annual premium, the entire cost of a repair or replacement will be covered minus a small service fee so that you don’t have to bear the burden of expensive bills yourself.

With so many home warranty companies in Kentucky, how can you be sure that you have the right policy for your family? Our guide to the best home warranty companies in the Bluegrass State will help you decide.

Kentucky’s top 5 home warranty companies

Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today
Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Best customizable plans

  • 4 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
  • $50–$55 per month
Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month

Top home maintenance problems in Kentucky

Let’s take a look at a few of the most common issues you might run into with your Kentucky home that a home warranty plan can cover for you.

  • Heating system overload: Winters in Kentucky can quickly dip below 20 degrees. This can cause increased strain on your heating system, as it works overtime to keep your home comfortable. A systems home warranty plan will cover breakdowns that arise from this constant use.
  • Water heater overuse: Your HVAC system isn’t the only home component that can become overloaded in the winter. Your water heater may also suffer, as more time spent indoors equals more need for hot water. Most home warranty plans that have system coverage include water heaters.
  • Air conditioning breakdowns: As a part of the South, Kentucky also sees exceptionally hot summers, with temperatures consistently topping 90 degrees. Air conditioner breakdowns will also be covered under a systems plan.

1. Liberty Home Guard

Liberty Home Guard offers the most extensive list of add-on options out of the providers in this review. You can choose from about 20 optional coverages to make sure that every part of your home is protected.

Liberty Home Guard offers the following three plans:

  • Appliance Guard: Appliance Guard covers nine appliances, including your garbage disposal and clothes washer.
  • System Guard: System Guard covers six major systems, including your heating system and water heater.
  • Total Home Guard: Total Home Guard covers every appliance and system in both the Appliance Guard and System Guard plans.

View pricing information from Liberty Home Guard below:

Plan name Price per month
Appliance Guard $40
System Guard $50
Total Home Guard $60

In addition to your monthly premium, you’ll also pay a per-incident service fee each time you use your plan’s coverage. Liberty Home Guard’s service fee is $60.

Get a free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

2. Select Home Warranty

If you’re shopping for a home warranty on a budget, Select Home Warranty could be the best option for you. With three plan options all available for less than $40 a month, Select Home Warranty makes home warranty protection attainable for every homeowner.

Select Home Warranty has the following plans:

  • Bronze Care: The Bronze Care plan includes coverage for eight home appliances, like your stove and dishwasher.
  • Gold Care: The Gold Care plan includes coverage for six home systems, like your air conditioning system and ductwork.
  • Platinum Care: The Platinum Care plan covers everything in the Bronze Care and Gold Care packages plus a few additional items.

Take a look at this pricing information for Select Home Warranty:

Plan name Price per month
Bronze Care $35.83
Gold Care $35.83
Platinum Care $37.50

Select also charges a service fee of $75.

Get a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

3. First American Home Warranty

Did you know that a home warranty can cover more than just your home systems and appliances? When you choose First American Home Warranty to service your policy, you have access to the company’s First Class Upgrade, which extends your coverage to include extra expenses like building permits and refrigerant recapture.

First American Home Warranty offers two policy options:

  • Basic Plan: The Basic Plan covers nine home appliances, including your trash compactor and stove.
  • Premier Plan: The Premier Plan covers all of the appliances found in the Basic Plan plus seven home systems, like plumbing and electrical.

Browse pricing information from First American Home Warranty below:

Plan name Price per month
Basic Plan $28
Premier Plan $42.50

You’ll also pay a $75 service fee each time you use your plan.

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

4. American Home Shield

American Home Shield is another long-standing company in the home warranty industry with nearly 50 years of experience. Regardless of which of the company’s plans you choose, you can trust that you’re getting comprehensive and reliable coverage.

American Home Shield has three levels of coverage:

  • Appliances Plan: The Appliances Plan has coverage for 10 appliances, including your refrigerator and garage door opener.
  • Systems Plan: The Systems Plan has coverage for 12 home systems, including your electrical system and doorbell.
  • Combo Plan: The Combo Plan includes all of the coverages in both the Appliances Plan and Systems Plan.

Take a look at the estimate we received from American Home Shield:

Plan name Price per month
Systems Plan $49.99
Appliances Plan $49.99
Combo Plan $59.99

You can choose your own service fee between $75 and $125. Keep in mind that choosing a lower service fee will increase what you pay each month.

Get a free quote from American Home Shield by filling out this online form or calling 888-365-2839

5. Choice Home Warranty

If you don’t have much time to compare home warranties, consider choosing a policy from Choice Home Warranty. Choice Home Warranty offers two easy-to-understand policy options that both have system and appliance coverage.

Choice Home Warranty has a Basic Plan and a Total Plan:

  • Basic Plan: The Basic Plan covers 14 home appliances and systems, ranging from your heating system to your dishwasher.
  • Total Plan: The Total Plan includes all home components found in the Basic Plan plus your air conditioner, washer, dryer, and refrigerator.

Take a look at how much Choice Home Warranty costs:

Plan name Price per month
Basic Plan $36.17
Total Plan $42.50

You’ll also pay an $85 service fee each time you use your coverage.

Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

Kentucky home warranty buying guide

With the dozens of home warranty companies offering policies in Idaho, choosing a plan can be tough. Let’s take a look at a few of the major factors you’ll want to consider when comparing your options.

  • Coverage for pre-existing conditions: If your systems and appliances already have problems, most home warranty companies won’t cover them. You’ll either need to have them repaired beforehand or look for one of the few companies like First American Home Warranty that cover improperly installed or maintained items.
  • Levels of coverage: Every home warranty company has at least two plans with different covered components. Before choosing a home warranty plan, create a list of every system and appliance you need coverage for. This will help you narrow down your choices and ensure that you aren’t paying for coverage you won’t use.
  • Premiums: When signing up for a policy, you get to choose whether you want to pay a monthly or annual premium. Monthly premiums allow you to break up the cost of the plan into smaller, more palatable charges, but each premium has interest tacked onto it, meaning you end up paying more money by the end of the year. If you can afford to pay for the entire plan up front, we recommend doing that.

Our conclusion

It’s impossible to say which provider offers the best home warranty in Kentucky because each company specializes in a different area. For example, if customer reviews are your primary concern, Liberty Home Guard might be the best choice for you. On the other hand, if you’re looking for affordability, Select Home Warranty might be your best bet. To make sure you have all of the information you need to make a final decision, we recommend contacting each company for a custom quote.

Frequently asked questions about Kentucky home warranties

Can I get a sample contract?

Yes. Almost all home warranty companies have a sample contract on their website. This allows you to find out what will and will not be covered before signing up for policy.

How do home warranties work?

When you sign onto a home warranty, you’ll pay a monthly or annual premium. If one of your covered systems or appliances breaks down, you’ll contact your home warranty provider. The company will review your claim and either accept or deny it. If it’s accepted, a service technician will be sent to your home to conduct a diagnosis and repair. After the repair is complete, you’ll pay the contractor your service fee.

Do real estate agents pay for home warranties?

Though your real estate agent might choose to provide you with a home warranty policy as a closing gift, there is no requirement that says they have to. If your new home doesn’t come with a home warranty, you can always purchase one yourself.

See the best home warranty companies in your state

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