A home warranty can offer you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances.
Carmel gives homeowners some beautiful housing options. However, unanticipated repair and replacement costs on your home's systems and appliances can get quite pricey.
Finding the best home warranty on the market can be quite overwhelming as there are dozens of companies to decide between. That's why our team at House Method did the research and made a list of the top home warranty companies in Carmel for you.
Choosing the best home warranty in Carmel for your family depends on the kind of coverage you want, the home warranty company you go with, and your location, among other factors. When considering which home warranty company is the right one for you, here are some important factors to take into account:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Carmel, Choice Home Warranty is the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to decide between.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Carmel area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Carmel. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for you to decide between.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Select's plans are close to the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For more information, read our Select Home Warranty Review. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty in Carmel. AHS has over 25 years of industry experience and in that time has built a an network of service technicians in the country. AHS has 3 simple plans, making the selection process quick and easy. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our American Home Shield full review.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for Carmel residents. HSC has been in business for over 14 years, making it a highly regarded company in the industry. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To read more, visit our review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Carmel. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans that Liberty has include options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Carmel area.
To read more, visit our detailed review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Carmel. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
To read more, visit our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Carmel, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Carmel homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our Cinch Home Services full review.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Carmel
A home warranty is a protection plan that reduces the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after purchasing a home warranty, the coverage will start on your home systems and appliances.
For Carmel homeowners, when an issue arises with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal where you can submit a claim. At this point, you will also pay your service fee. Once the repair technician takes a look at the problem, they will deal with it at no cost to you. The only time you may have out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty will cover systems and appliances that have broken down from normal wear and tear. For example, if your A.C. suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty company. Typical appliances covered under a home warranty include a washer, dishwasher, microwave, dryer, refrigerator, garbage disposal, and more. The systems that are most commonly covered will be heating systems, air conditioners, electrical systems, plumbing systems, and hot water heaters. You can also decide to pay extra for add-on coverage for items like septic systems, spas, swimming pools, and roof warranty.
Carmel homeowners should know that a home warranty will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, natural disasters, pre-existing conditions, or cosmetic issues. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Since temperatures in Carmel can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty can also give value in other ways. For example, some plans can be transferred between owners when you sell your home.
Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they may want to choose a contractor themselves. If that's the case for you, some home warranty companies let you choose a contractor. Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They often won't cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Similar to any other sort of insurance policy or warranty, its purpose is to give you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty in Carmel can save you thousands of dollars and give you peace of mind when it comes to expensive home repairs and replacements. All of these top home warranty providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage at an affordable monthly or annual cost. However, other options mentioned above also give great coverage choices for Carmel residents.
The best overall home warranty provider in Carmel is Choice Home Warranty but the best company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty policy can help homeowners, home sellers, homebuyers, real estate agents, and investors. It can offer peace of mind to anyone involved in homeownership.
Most home warranty plans have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
The systems and appliances in a home are covered under a home warranty policy in Carmel. Everything from a stove to a washer can be covered under a home warranty.
Home warranties cover the cost of repairs and replacements if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
Many homeowners find a home warranty is a good investment because it helps protect against unexpected expenses. If you're worried about your finances and home maintenance, getting a home warranty can help. One of the big pluses of a home warranty is that it can provide you some financial peace of mind.
