By Dan Simms
Updated Mar 22, 2023
By Dan Simms
Updated Mar 22, 2023
We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.
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 review of the best home warranty companies in Kentucky, we’ve considered local factors that influence what residents might want coverage for. These include the high average temperatures and humidity levels that put added strain on air conditioning systems and refrigerators. Although most home warranties don’t cover tornado damage, we do consider the risk of extreme weather in the area as well as the system breakdowns to which they contribute. Considering these factors should lead you to the best home warranty for you and your needs.
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 coverage 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 coverage caps reach up to $2,500, and the service fee is average at $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty offers add-on services as well for a slightly higher charge per month. The additional options include:
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.
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 its 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. Coverage caps are lower than many competitors at $1,500 per year, but the service fee is below average at $75 per service call.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard has a massive range of coverage options available via add-on services, allowing homeowners to customize their warranties. Below are all of the add-ons you can choose with LHG:
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.
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. Select Home Warranty’s service call fee is just $75, and the coverage caps can be as high as $2,000 per year.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty also offers some add-on options for homeowners who are looking for some plan customization. The add-ons include:
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.
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. You can customize your service fee and pay between $75 and $150, and your coverage caps can be customized up to $3,000 or be unlimited as well.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield offers customization in your coverage options via add-on services. These include:
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.
The Home Service Club started back in 2008 in New York and has since expanded its service area significantly to include most states across the country. The coverage options provided by this company are wide and encompass most appliances and systems homeowners want protected. Plus, the company offers quick service when claims are made and has service that kicks in in just ten days, faster than most competitors. The company also maintains positive customer reviews, although it is not accredited by the BBB.
The Home Service Club has two plans available for coverage: the Standard Plan and the Comprehensive Plan. The Standard Plan is a basic option that offers great coverage for both appliances and home systems, making it somewhat unique in the industry. The company has many add-on products to let you customize the coverage you want and need. Coverage caps are a bit lower in some instances, although some reach up to $2,500. The service fee can be anywhere between $65 and $125, depending on your budget.
Here’s a detailed look at The Home Service Club’s coverage:
If the plans above aren’t complete enough for you, you can also choose from any of the add-on coverages, which you can add to the stand-alone plans above:
Want a free quote from The Home Service Club? Just fill out this contact form or call the company at 800-842-9334.
For more information on this company, you can check out our complete The Home Service Club review.
The average home warranty cost in Kentucky is anywhere from $35 to $80 per month. If you want to pay less money, choose a policy that has more limited home warranty coverage and a higher service fee. The higher monthly plans tend to have extra add-on coverage and very low service fees associated with the policy. Your cost will also depend on the company you choose and customization options, as well as your location.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 5,000 sq ft||$635.16|
|Home Warranty Company||Choice Home Warranty||Liberty Home Guard||Select Home Warranty||American Home Shield||The Home Service Club|
|Best For||Best Overall||Most Trustworthy||Most Cost-Effective Plans||Best Customization Options||Fastest Service|
|Average Cost||$50 per month||$70 per month||$60 per month||$45 per month||$56 per month|
|Annual Limit||$3,000||$2,000-$2,500||$2,000||$3,000 to unlimited||$350-$2,000|
|Average Response Time||Up to 48 hours||Within 24 hours||Up to 48 hours||Up to 48 hours||Within 24 hours|
|State Availability||49 States||48 States||46 States||49 States||50 States|
|Online Chat / Mobile App||No||Online Chat||No||No||No|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
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.
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.
In addition to the above more general factors, you’ll also want to consider some local factors that tend to affect what homeowners in Kentucky want to be covered. For example, Kentucky’s summers can be quite warm, with temperatures in the 70s and 80s from April through October. Many homeowners will run their ACs during these months, placing tons of stress on their cooling equipment. As a result, most Kentucky residents choose plans that include coverage for air conditioners.
The average humidity in Kentucky is also quite high, averaging above 70% year-round. As such, air conditioners, refrigerators, and freezers work overtime to combat the humidity. The added stress from high humidity can make these systems and appliances break down more quickly, meaning coverage for them in Kentucky is crucial.
Kentucky also experiences around 21 tornadoes per year. While the Bluegrass State isn’t as afflicted by tornadoes as many others, the high winds they bring occasionally can damage and weaken roofs. Most of Kentucky also receives above-average rainfall, with some areas receiving nearly double the national average. These weather conditions combined can lead to roof leaks, so choosing a home warranty that covers this issue will provide some peace of mind.
A home warranty is a home protection plan that keeps your home and its contents safe from damage and unexpected issues. Many people compare home warranties to homeowners insurance. While they differ quite a bit, they provide the same kind of peace of mind and coverage when things go wrong in and around your home.
Home warranties require a monthly payment and a service call fee each time you file a claim. When a covered item gets damaged or needs replacement, your home warranty provider will cover some or all of the cost to keep your out-of-pocket costs low.
It’s helpful to compare home warranties and homeowners insurance policies because they both provide financial assistance in the case of something in your home going wrong. However, there are quite a few differences.
Most notably, homeowners insurance only covers disasters like fires, damage from extreme weather, and trees falling on your home or personal property. Home warranties can kick in even when there is no catastrophe and you instead run into issues because of normal wear. Some examples include your appliances failing from old age, plumbing lines leaking, and roof leaks not tied to natural disasters.
Another important distinction between home insurance and home warranties is the type of things they cover. Homeowners insurance doesn’t cover specific home systems and instead applies to whole-home damages. On the other hand, home warranties cover individual appliances and systems, like refrigerators, dishwashers, electrical systems, plumbing lines, and more.
Finally, homeowners insurance requires a deductible, which is a price you pay out of pocket before the coverage kicks in. Home warranties don’t have a deductible and instead charge a much smaller service fee for each claim. Home warranties typically have coverage caps of $1,500 to $3,000, while homeowners insurance can be unlimited or reach into the hundreds of thousands.
Get a Free Quote
from our #1 recommended provider in Kentucky, Choice Home Warranty.
Before you’re able to take advantage of a home warranty, you have to choose one that works for your purposes and suits your budget, and then pay for the plan and wait for it to take effect. In most cases, this can take 30 to 90 days. Once the plan takes effect, the process to request service is as follows:
A home warranty plan is designed to cover systems and appliances in the home. When these systems and appliances break down, the home warranty will cover the costs of repairs and replacements. Overall a home warranty can give homeowners peace of mind about their ability to keep their homes up and running.
Every home warranty plan is different, so the specifics that are covered will vary among providers and individual plans. Most appliance plans cover major appliances, like refrigerators, ovens, stoves, dishwashers, washing machines, and dryers. They might also cover smaller appliances, like microwaves and garbage disposals, and some electronics, like garage door openers.
Home warranties that cover major systems should include plumbing, heating, and electrical. Many of them also provide coverage for HVAC equipment, ductwork, and air conditioners.
All home warranties will have exclusions, so you should read through your service contract — including the fine print — to see what isn’t covered. Most will exclude things like damages caused intentionally, cosmetic repairs, and damage that resulted from a lack of proper maintenance. Pre-existing problems are also usually not covered.
Most homeowners in Kentucky are pleased with the value they get from their home warranty company, but there are some common complaints we found online.
One of the most common complaints we see is from customers who don’t get the coverage they believe they should for air conditioning equipment. In most cases, it appears that the home warranty company states that the damage or breakdown is due to a lack of maintenance, which voids coverage. Be sure to maintain your systems properly to ensure you get coverage when you need it.
Another common complaint is that roof leak coverage is inadequate to cover repair costs. Roof leaks are common in Kentucky because of the extreme weather and the above-average rainfall throughout the state. Many home warranties include coverage for roof leaks, but the cost of repairing can sometimes exceed the company’s payout limit. Make sure you understand coverage caps before signing anything.
A home warranty is well worth the price that you pay in most cases. It only takes one or two expensive repairs or replacements in the course of a year to be able to justify the cost of the plan. The first time you are quoted $700 to fix your HVAC and it only costs you the $75 service fee, you will know that a home warranty was the right choice.
There are many examples where the $75 service fee you’ll pay is well below the average cost of repair. For example, an average plumber visit totals over $300, a refrigerator repair averages around $250, a fridge replacement can top $2,000, roof repair can reach into the thousands, and electrical work averages around $275 per visit. If you’ve ever gotten hit with an unexpected maintenance or repair fee, you already know that a home warranty can be well worth the investment.
Even if you don’t end up needing the services provided by your home warranty company, the peace of mind you can purchase with an average of $680 per year is worth the money. You won’t have to worry as much about unexpected bills, which makes budgeting and saving far easier.
The best home warranty company in Kentucky is the Choice Home Warranty. Choice has fair pricing, will accept both new and old homes, and has a very easy sign-up process. With more than 13 years in the industry, Choice Home Warranty is a great plan for Kentucky homeowners.
A home warranty isn’t required by mortgage lenders like homeowners insurance, but many homeowners who have experienced the benefits of a warranty will never again live without one. Home warranties provide peace of mind that you won’t run into hundreds or thousands of dollars in unexpected home repair fees or replacement fees for appliances. They’re home protection plans that, in combination with your home insurance, provide total coverage to save you money in the long run.
Most importantly, home warranties cover things that homeowners insurance doesn’t, like failing appliances, issues with home systems that don’t stem from catastrophes, and more.
A service fee is what you’ll pay for each claim you file with your home warranty provider. The fee averages around $85 but can range from around $60 to $150, depending on your warranty company and plan. The service fee is a small part of the total cost of repairing or replacing damaged items in your home, ultimately saving you hundreds or thousands of dollars in some cases.
Everyone can benefit from a home warranty because they provide protection for the systems and appliances that cost homeowners the most money over time. However, they are particularly useful for those living in aging homes, first-time homebuyers moving into an unfamiliar home, and homeowners selling their homes on the real estate market to buyers who might demand certain repairs before closing.
At House Method, transparency and trust are our most important values for the reader. 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.
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 ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Additional Kentucky Home Warranties to Consider
Get the best of House Method in your inbox