Best Home Warranty Companies In indiana 2024

Does the thought of a broken appliance or malfunctioning HVAC system send shivers down your spine? Indiana homeowners fear not! This guide explores the best home warranty companies in Indiana for 2024. We’ll break down coverage options, pricing, and customer reviews to help you find the perfect fit to protect your wallet and peace of mind.

Our Picks: 5 Best Home Warranty Companies For indiana Residents

After comprehensively evaluating multiple companies, we have pinpointed the following top five home warranty providers in Indiana as the ideal selections for the state’s homeowners:

Highly Rated By Customers

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

Customizable plans to fit specific needs and budgets
No waiting period for new homes with an inspection report
24/7 emergency assistance

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty provides three plans: Elite Complete offers comprehensive coverage, Elite Appliances focuses on appliance protection, and Elite Systems safeguards essential home systems.

	Elite Appliances	Elite Systems	Elite Complete
Monthly Plan	$44.99	$49.99	$59.99

Elite Appliances

Covers eight essential household appliances such as refrigerators, dishwashers, and ovens
Focused coverage specifically for major household appliances
Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

Concentrated coverage for seven essential home systems like HVAC, electrical, and plumbing
Ideal for homeowners to prioritize protection for vital systems crucial for daily living
Provides peace of mind by addressing potential issues with core systems efficiently

Elite Complete

Comprehensive coverage for a wide range of home systems and appliances
Covers 15 major systems and appliances, such as HVAC, plumbing, electrical, dishwasher, and laundry appliances
Ideal for homeowners seeking extensive protection for their entire home

Why We Picked It?

Elite Home Warranty is renowned for its comprehensive coverage options, offering peace of mind to home systems and appliances. With flexible plans designed to accommodate various needs and budgets, it delivers customized protection for homeowners.

Best For Comprehensive Plans

4.1 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46-$55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Roof leak coverage with all plans
24/7 customer service
90-day part guarantee & 30-day labor guarantee

Cons

Low aggregate limit for the contract

Plans, Cost & Coverage

Choice Home Warranty provides two plans: Basic and Total. While the Basic Plan includes 14 household appliances and systems, the Total Plan includes 18 household items along with additional appliances. The monthly price for both is $46.83 and $55, respectively. The company offers coverage caps of up to $3,000, varying depending on the included household item.

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$54.75	$627

Basic Plan

Covers 14 essential systems and appliances at a monthly cost of $46.83
Offers cost-effective protection for everyday household necessities

Total Plan

Covers everything from the previous plan plus four additional items such as AC, refrigerator, washer, and dryer
Perfect for homeowners looking to get comprehensive coverage

Why We Picked It?

Choice Home Warranty provides comprehensive coverage for major household appliances and systems. The pricing is kept competitive so that homeowners can choose within a budget. Their skilled technicians and regular discounts make it one of the options for Indiana homeowners.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

24/7 customer service for assistance with claims and inquiries
Flexible plan options to suit varying needs and budgets
Covers undetectable pre-existing conditions

Cons

Limited additional coverage options

Plans, Cost & Coverage

AHS provides three plans – ShieldSilver, ShieldGold, and ShieldPlatinum. The prices can range from $39.99 to $99.99. The coverage limit for appliances is $2,000, and for systems is $5,000. Here are the pricing details:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$39.99	$59.99	$89.99
Cost at $100 Service Call Fee	$49.99	$69.99	$99.99

ShieldSilver

Covers 14 essential home systems and appliances starting at $39.99 per month
Perfect for homeowners who desire basic protection for everyday household essentials

ShieldGold

Includes items covered under ShieldSilver, with additional coverage for items like dishwasher, oven, and more
Provides extensive coverage at a moderate price, striking a balance between affordability and protection
Perfect for homeowners who are looking for comprehensive coverage

ShieldPlatinum

Includes all appliances and systems from previous plans, plus roof leak repair
Ideal for those who want comprehensive coverage with an extended dollar limit

Why We Picked It?

American Home Shield offers comprehensive coverage options and the choice to customize plans according to individual needs. Known for its customer-friendly services, AHS provides Indiana homeowners peace of mind.

Best For Workmanship Guarantee

3 |

Good

Monthly Cost

$38 - $66

Service Fee

$100, $125, $150

Response Time

Same day

Pros & Cons

Pros

Covers pre-existing conditions
180-day workmanship guarantee
Has a digital dashboard for customers

Cons

Limited add-on options

Plans, Cost & Coverage

Cinch Home Services offers three plans- Appliances, Built-In Systems, and Complete Home Plan.CHS provides an aggregate claim limit for household appliances and systems up to $10,000.

	Appliances Plan	Built-in Systems Plan	Complete Home Plan
Cost at $150 Service Call Fee	$38.99	$43.99	$54.99
Cost at $125 Service Call Fee	$47.32	$52.32	$63.32
Cost at $100 Service Call Fee	$48.99	$55.99	$66.99

Appliances Plan

Covers 12 essential household appliances like refrigerators, cooktops, and dryers
The plan cost starts at $38.99 with a $150 deductible and rises to $48.99 with a $100 deductible

Systems Guard

Extensive coverage for 16 major home systems, such as HVAC, electrical, and plumbing
Covers repairs or replacements for components of these systems, including ductwork, wiring, and pipes
Ideal for homeowners who need comprehensive coverage for their home’s systems

Total Home Guard

Covers all 28 essential home appliances and systems from previous plans at $54.99/month
Additionally, it includes reimbursement for homeowners insurance deductibles up to $500

Why We Picked It?

Cinch Home Services is for homeowners who are looking for elaborate coverage. The simple-to-use dashboard is liked by homeowners as it helps ease down the claim process.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Provides extensive add-on coverage
Diverse coverage options for home systems and appliances
Prompt response times and efficient customer service

Cons

Limited coverage choices

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard, each tailored to meet various needs with customized coverage for essential home systems and appliances. Here is a detailed list of the costs and plans provided by Liberty Home Guard:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

Tailored coverage for kitchen and laundry appliances
Offers coverage to nine essential appliances for $49.99 per month

Systems Guard

Extensive coverage for six major home systems
Focuses on essential home systems like HVAC and plumbing
Perfect for homeowners looking to get comprehensive coverage for vital home systems

Total Home Guard

Offers extensive coverage for both appliances and home systems
Covers 15 essential home systems & appliances for $59.99 per month
Comprehensive coverage that offers peace of mind to the homeowners

Why We Picked It?

Liberty Home Guard provides homeowners extensive coverage for unexpected repair costs for malfunctions. They provide flexible plans according to the homeowner’s plan, ranging from basic coverage to comprehensive plans.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Is Home Warranty Plans Beneficial for Indiana Homeowners?

Home warranty plans benefits Indiana homeowners by solving some of the most daunting issues faced by systems and appliances in an Indiana household:

Indiana experiences cold winters and humid summers, which can cause a load on household appliances and systems and increase stress and potential wear.
Indiana's climate challenges make home warranty plans valuable in maintaining the optimal operations of the systems and appliances through the seasons.
Home warranty plans offer homeowners a safety net against unexpected repair costs, covering various appliances and systems within the home.
Indiana homeowners may face repair costs ranging from $100 to $1200 for appliances and systems.
The potential for significant savings on repair expenses makes home warranty plans a practical and beneficial choice, especially in a climate with varying weather conditions.

How Much Does Indiana Home Warranty Cost?

Find the average cost of Indiana’s Home Warranty below:

Average Annual Cost

$300 - $600

Average Monthly Cost

$40 - $70

Average Service Fee (Deductible)

$60 - $125

The price of a home warranty varies depending on various factors, which include:

Home Warranty Company: The price structure of home warranty companies in Indiana can vary depending on the company, its policies, and customer service. Established and reputable providers may charge higher premiums for their services.
Deductibles: The amount you select for your deductible can affect the overall cost of the home warranty. Opting for a higher deductible may lower your annual premium, but you’ll pay more out of pocket when a covered repair is needed.
Home Size: The size of your home and the number of appliances and systems requiring coverage can influence the cost. Larger homes with more items to cover may have higher premiums.
Age and Condition of Appliances: Older appliances and systems may have a higher risk of breakdowns, potentially affecting the cost of the home warranty. Providers may adjust pricing based on the age and condition of the covered items.
Geographical Location: Home warranty costs can vary by region. Factors such as the local cost of living and the prevalence of specific climate-related issues in Indiana may influence pricing.

Considering these factors and obtaining quotes from multiple providers will help Indiana homeowners decide on the most suitable and cost-effective home warranty plan for their needs.

Home Warranty Coverage In Indiana

Home warranty coverage in Indiana typically includes protection for essential home systems and appliances. Here are some standard inclusions and exclusions:

General Coverage Of Indiana Home Warranty

HVAC A reliable HVAC system is crucial in Indiana’s hot summers and cold winters. Your warranty can cover repairs for your furnace, air conditioner, heat pump, and ductwork, ensuring year-round comfort.
Plumbing Freezing temperatures can cause pipe bursts, and summer heat can stress your plumbing system. A home warranty protects your home from potential water damage and protects against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures.
Electrical System A home warranty plan ensures the safety and functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels. This is particularly important in older Indiana homes with potentially outdated electrical systems.
Kitchen Appliances It protects against unexpected breakdowns of essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
Laundry Appliances Washing machines and dryers are commonly covered, ensuring your laundry routine runs smoothly, even if your appliances encounter issues.

Common Exclusions

Pre-existing Conditions Home warranty plans typically do not cover pre-existing issues or conditions before the coverage begins.
Improper Maintenance Lack of proper maintenance or neglect of appliances and systems may result in denied claims. Regular upkeep and care are often the responsibility of the homeowner.
Cosmetic Damages Home warranties typically focus on functional repairs, and cosmetic issues or damage may not be covered. This includes scratches, dents, or other non-functional defects.
Acts of Nature Damage caused by natural disasters, such as floods, earthquakes, or other acts of nature, is generally excluded from home warranty coverage.

Here Are Some Additional Points To Consider

Some additional considerations for home warranty plans in Indiana include:

Coverage CapsIt’s essential to be aware of any coverage limits the home warranty plan imposes.
Item-Specific CoverageReview the specifics of coverage for each item. Some plans might offer different levels of coverage for specific appliances or systems, and homeowners should be aware of these nuances to ensure comprehensive protection.
Network LimitationsThe availability of technicians within the warranty provider’s network can vary, particularly in rural or remote areas. It’s essential to check whether qualified technicians are readily accessible in your location.

Who Regulates Home Warranty Companies In Indiana?

After choosing a home warranty provider in Indiana, it's advisable to verify with the Indiana Department of Insurance if the selected company holds the necessary licenses, bonds, and security as mandated by the Department. Also, consult legal professionals or consumer advocacy organizations for any recent changes or developments.

Final Word

These top picks consider factors like coverage options, pricing, and customer feedback to meet the diverse needs of Indiana residents. With unpredictable weather and potential home system issues, these companies offer a trusted solution for protecting against unexpected repair costs. Choosing a reputable home warranty plan can help Indiana homeowners confidently manage their homes throughout the year.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

Do Home Warranty Companies Cover Refrigerator Repair In Indiana?

Many home warranty companies cover refrigerator repair as part of their standard appliance coverage. However, the parts covered and the coverage limits might vary. Therefore, reviewing your policy for coverage details and associated service fees or deductibles is essential.

How Long Does a Home Warranty Last in Indiana?

Home warranties in Indiana typically last for one year. However, homeowners often can renew the warranty for subsequent years to continue coverage.

What Are The Most Frequent Appliance Repairs In Indiana?

In Indiana, common appliance repairs often involve issues with air conditioning units due to hot summers, refrigerator malfunctions, and problems with washing machines. Repairs related to hard water issues affecting appliances like dishwashers and water heaters are frequently reported.

Can I Transfer My Home Warranty to a New Owner?

Yes, many home warranty companies allow the transfer of a home warranty to a new owner. This process is often part of a home’s resale and can add value to the property. However, specific terms and conditions regarding the transferability of the home warranty may vary between providers.