Best Home Warranty Companies in Kentucky (2021)

Kentucky is a great place for homeowners; with fair home prices, great weather, and access to wonderful schools and communities, the Kentucky population only continues to grow. However, along with all the positives of homeownership, there are typically a few negatives. One of the worst parts for many homeowners is that systems and appliances can break down at any time. This is where a home warranty policy can come into play. In our guide featuring the best home warranty companies in Kentucky, we will give you information on:

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

A home warranty helps to give homeowners peace of mind about an upcoming appliance or system repair and replacement costs. Finding a great home warranty in Kentucky is not difficult; however, narrowing down add-one choices can present some issues. The best home warranties in the industry have excellent reputations, fair pricing, and easy to understand plan choices. If you feel overwhelmed with the home warranty choices for your home, we are here to help; keep reading to get the answers you need. 

Kentucky Top 5 Home Warranty Companies

There are more than 50 home warranty companies in the state of Kentucky. In order to help you narrow down the best one for your home, we compared them all. We looked at things like pricing, customers service, reviews, plan options, service fees, coverage caps, and more. Here is how the top 5 plans in Kentucky 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 Appliance Coverage 

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty in the state of Kentucky. The Choice Home Warranty plan is very simple and straightforward. You won’t have a hard time knowing exactly what is covered under your Choice Home Warranty policy. In addition, Choice has been on the market for more than 13 years, and they know exactly how to handle any customer service or repair-related issues that may come up. One of the things that customers notice about Choice Home Warranty is that they are very easy to work with. From the time you get your quote to the time you need a repair, they are with you every step of the way. 

Choice Home Warranty only has two plan options to choose from. However, this should not deter you. Both of the Choice Home Warranty plans are considered combo or comprehensive options. This means that the plans will allow for both system and appliance coverage. IN addition to the two plan choices, you can also include quite a few add-on options under your Choice Home Warranty plan.

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

The service fee for a Choice Home Warranty plan is $85. This is about average for a home warranty service fee. Most fees are going to range from $60 to $125. 

Kentucky homeowners that don’t want to deal with the headache of contractors, repair technicians, and home repairs will love the Choice Home Warranty service. Choice Home Warranty does everything they can to make homeownership quite a bit easier. 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

American Home Shield is the most customizable plan in the home warranty industry. With American Home Shield, you can choose all of your coverages and the service fees associated with your home warranty plan. This is a home warranty company that has been on the market for more than 50 years. During that time, they have put together an extensive network of professional and service technicians that are ready to handle any issues at your home. The American Home Shield plan has high policy coverage caps, and that is part of what makes this a plan that appeals to those with higher home values. 

There are three American Home Shield plans to choose from, they are all going to cover systems, but only two will cover the appliances in your home. The American Home Shield comprehensive plan choices tend to be the most popular as they will help you to have peace of mind about your entire time. If your Kentucky home has a pool, take a look at the American Home Shield’s additional coverage options to find something that will work for the specifics of your home. 

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

American Home Shield has services fees that range between $75 and $125. The lower your service fee is, the more you will pay as part of your monthly payment. This is just another indication of how flexible the American Home Shield warranty is. 

If you want premium service, premium quality plans, and the benefits of more than 50 years in the industry, the American Home Shield plan is the best option for your Kentucky home.

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 

The Select Home Warranty is the most cost-effective home warranty plan for the Kentucky homeowner. The decision to purchase a home warranty can be a tough one. Many people that are on a tight budget will have a hard time deciding if the home warranty is a smart choice to make. Select Home Warranty makes this decision just a bit easier. The plan choices are affordable, the service fee is low, yet the coverage is quite broad. In addition, Select Home Warranty will give you free roof leak coverage with any policy you choose. The Select Home Warranty company has been on the market for close to ten years, and they have very high standards for workmanship and quality. 

There are three Select Home Home Warranty policies to choose from. You can have your choice between the appliance plan, systems plan, or combo plan. Many people prefer the combo plan as it is just a few dollars extra per month. For those few dollars, you will get a wide range of coverage and some additional options as well. Select Home Warranty also has a nice list of add-on coverages to help ensure your plan fits the needs of your Kentucky home. 

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

The service fee for a Select Home Warranty policy is $60. Since service fees can get as high as $150, you can see that this is an excellent value that Select Home Warranty offers. 

Although the decision to cover your home with a home warranty can be a tough one, we highly recommend considering the value that the Select Home Warranty brings. See what this plan can save you for a year, and then decide from there about keeping it in place.

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

Liberty Home Guard is the most trustworthy home warranty in the state of Kentucky. Liberty Home Guard has earned the distinction of being the most trustworthy because of their BBB rating of an A. This is the only home warranty company to earn this, and LIberty Home Guard did it after just two years. If you have issues that come up around your home, Liberty Home Guard is quick to respond and offers a professional and courteous repair technician. Their policies and systems are very modern and easy to work with. If you like new companies with great technology and communication, Liberty Home Guard is a smart choice. 

The Liberty Home Guard plans come in three different models. Much like Select Home Warranty, you can choose between an appliance, system, or combo plan. You will find that Liberty Home Guard also has a very long list of add-on coverages that you can include in your policy. There are some unique options like pest control and locksmith fees as well. 

The add on coverage from Liberty Home Guard is quite impressive 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 dispensers

The service fee on the Liberty Home Guard policy is $60. This is quite a bit lower than other plans on the market and should be considered when looking at the overall affordability of the plan. 

The Liberty Home Guard plan took off running because of its customer service, impressive coverage choices, and fair pricing. This is a company that you may want to consider as they are growing and continuing to expand.

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 

The First American Home Warranty is the best option for appliance coverage in Kentucky. Some appliance plans can get quite pricey, but the FIrst American Home Warranty appliance plan offers a really great value. Part of the reason behind this impressive value on the plan is the 37 years that First American Home Warranty has spent on the market. Through the years, they have mastered how to deal with repair issues that come up and how to get you the service you need. The First American Home Warranty technicians and service personnel are professional and try to get to a repair as quickly as possible. 

Similar to our top plan, the Choice Home Warranty plan, First American Home Warranty only offers two options for customers to choose from. The options are the appliance plan and then the complete systems and appliance plan. The only way to get central air conditioning coverage from First American is to put it on the plan as add-on coverage. Keep this in mind if you are worried about those Kentucky summers. 

The optional coverage choices from First American Home Warranty included:

• 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)

The service fee that comes with a First American Home Warranty policy will be $85. When you look at the monthly cost of the basic plan being only $38, you will see that the First American Plan is very reasonably priced. 

Having 37 years in the home warranty industry helps First American stand out as one of the best policies on the market. If you are looking for a market veteran with lots of experience in the Kentucky area, this is an intelligent plan to consider.

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.

Kentucky Home Warranty Buying Guide

Now you should feel pretty good about the top five home warranties in the state of Kentucky. The next challenging part is to narrow down which is going to be the best for your home. You will have to do a full analysis of the plan choices that appeal to you. However, three things make sense to keep in mind: coverage options, policy limits, and overall pricing. 

• Coverage Options: Take a walk around your home and decide what the most important coverages are. Maybe you worry most about your electrical system and your laundry room appliances. Look for plans that offer the coverages you need as part of their monthly pricing. 
• Policy Limits: The policy limits will tell you how much per appliance or system can be spent on a repair each year. Some plans like Select Home Warranty have policy limits around $1000 for some appliances; others will be closer to $3000. If you have newer and more expensive systems and appliances, choose the higher policy limits. 
• Overall Pricing: The overall pricing of a policy is another essential factor to consider. Most plans will range between $40 and $80 per month. Choose a plan that you feel comfortable with the pricing, and that after just a few repairs, it will easily justify the cost of the plan. 

Top Home Maintenance Problems in Kentucky

Although homeownership in Kentucky can be quite enjoyable, some issues will come up related to weather and normal wear and tear. With the changes in the seasons in Kentucky, it is important to keep an eye on both the HVAC system and the heating system. In addition, no home is immune to the issues that come up in the laundry room! Let’s take a look at how having a home warranty in place can help you save money on these common home maintenance problems in Kentucky. 

• Heating System: The most important thing to remember about the heating system is that it is not used all that much, but when it is used, it is essential. When you turn your heat on that first cold night of the year, and the unit won’t even kick on, your home warranty will help save you hundreds of dollars in repairs. 
• HVAC: Similar to the heating system, the HVAC is not always necessary. However, on those warm summer nights, it is something Kentucky homeowners will rely on. Repairs and maintenance on an HVAC unit are pretty expensive. With a home warranty in place, you will only be responsible for your service fee. 
• Laundry Room Appliances: Laundry room appliances like the clothes washer and clothes dryer are often used daily. It is essential to consider the impact of where you would be if you couldn’t afford to replace both the washer and the dryer. Most home warranty policies have replacement costs available to help protect you against this issue. Or, for specific brands like GE or Whirlpool, you can look further into their appliance warranty to see what’s covered and what’s not. 

Our Conclusion

Hopefully, you now feel as though you can choose a Kentucky home warranty with confidence. Each option on this list has some great benefits that are well worth considering. However, Choice Home Warranty still stands out as the best overall option. With the simplicity of the plans, the fair pricing, and impressive customer service and reviews, Choice is a great home warranty company. It makes sense to get several quotes from competing companies to make sure you are choosing a plan that works for your specific needs. We know that one of these five plans will make an excellent fit for your Kentucky 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.