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7 Best Home Warranty Companies in Indianapolis, Indiana

Explore our expert guide to the Best Home Warranty Companies in Indianapolis, Indiana. Secure your peace of mind and reclaim your weekends to explore Indy’s hidden gems, cheer on the Colts, and indulge in Hoosier hospitality. Find your perfect home warranty match and say goodbye to unexpected repair bills!

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image displaying the family residing in indianapolis, indiana buying home warranty for the protection of their homes
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Offer Ends
In

$200 Off*
Free roof Coverage* +2 Months additional coverage
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100,000 user reviews

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16+ Years Of Experience

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6 Million Homeowners Served

OUR #1 PICK
fourhalf_star4.9/5
$150 Off + First Month Free
MOST POPULAR
fourhalf_star4.1/5
1st Month Free + Free Roof Coverage

List Of Best Home Warranty Companies In Indianapolis

Here's a guide to the seven best home warranty companies in Indianapolis, each distinguished by its particular strengths and potential drawbacks for thorough evaluation.

Elite Home Warranty

Pros

  • Provides three all-inclusive standard plans
  • Offers 27 potential add-ons
  • Comes with a ninety-day workmanship guarantee

Cons

  • Charges more for service calls related to expensive appliances
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$150 Off + 1 Month Free. 30 Day Free Trial!

Premium

$45 - $60

Deductible

$70

States covered

49 states

Coverage not available in California

Appliances Coverage Limit

$15K

Response Time

24 - 48 hours

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Pros

  • Provides three all-inclusive standard plans
  • Offers 27 potential add-ons
  • Comes with a ninety-day workmanship guarantee

Cons

  • Charges more for service calls related to expensive appliances

Choice Home Warranty

Pros

  • Flat rate service fee
  • Inspections of homes are not necessary
  • 90-day warranty for repairs

Cons

  • Plans cannot be personalized
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1st month free + Free roof coverage

Premium

$46 - $55

Deductible

$75 - $125

States covered

49 states

Coverage not available in Washington

Appliances Coverage Limit

Upto $3K/item

Response Time

Up to 48 hours

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Pros

  • Flat rate service fee
  • Inspections of homes are not necessary
  • 90-day warranty for repairs

Cons

  • Plans cannot be personalized

American Home Shield (AHS)

Pros

  • Offers variable service costs for enhanced plan personalization
  • Includes three all-inclusive package choices
  • Provides increased protection for gadgets and vacation rentals

Cons

  • Only provides monthly premiums
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$50 OFF on Multiple Properties

Premium

$29 - $89

Deductible

$100 & $125

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$4K - $5K

Response Time

Up to 48 hours

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Pros

  • Offers variable service costs for enhanced plan personalization
  • Includes three all-inclusive package choices
  • Provides increased protection for gadgets and vacation rentals

Cons

  • Only provides monthly premiums

First American Home Warranty

Pros

  • Features a substantial $3.5K coverage cap for each piece of equipment
  • Provides a First American Advantage upgrade for better coverage
  • Offers limitless coverage caps for ductwork, heating, and cooling

Cons

  • Provides air conditioning as an additional benefit to its base plan

Premium

$47 - $87

Deductible

$75, $100 & $125

States covered

35 states

Coverage not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Massachusetts, Maine, Minnesota, North Dakota, New Hampshire, New York, Rhode Island, Vermont and Wisconsin

Appliances Coverage Limit

$2.5K

Response Time

Up to 48 hours

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Pros

  • Features a substantial $3.5K coverage cap for each piece of equipment
  • Provides a First American Advantage upgrade for better coverage
  • Offers limitless coverage caps for ductwork, heating, and cooling

Cons

  • Provides air conditioning as an additional benefit to its base plan

Cinch Home Services

Pros

  • Provides a $500 deductible for homeowners' insurance
  • An extended 180-day workmanship is guaranteed
  • It provides a free 30-day cancellation period

Cons

  • Prohibits clients from selecting their own technician

Premium

$38 - $66

Deductible

$100, $125, $150

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$10K

Response Time

Same day

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Pros

  • Provides a $500 deductible for homeowners' insurance
  • An extended 180-day workmanship is guaranteed
  • It provides a free 30-day cancellation period

Cons

  • Prohibits clients from selecting their own technician

Select Home Warranty

Pros

  • Provides a plan for less than $50 per month
  • Provides complimentary roof leak cover
  • Offers a $3K coverage limit for HVAC systems

Cons

  • Protection from unidentified pre-existing conditions is excluded
image displaying the offers available for the purchase of the home warranty plan

$150 off + Free roof coverage + 2 months free

Premium

$44 - $47

Deductible

$60 - $75

States covered

47 states

Coverage not available in Nevada, Washington and Wisconsin

Appliances Coverage Limit

$3K/Item

Response Time

12 - 48 hours

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Read Less

Pros

  • Provides a plan for less than $50 per month
  • Provides complimentary roof leak cover
  • Offers a $3K coverage limit for HVAC systems

Cons

  • Protection from unidentified pre-existing conditions is excluded

Liberty Home Guard

Pros

  • Comes with a 60-day workmanship warranty
  • Keeps up customer service rankings on many review platforms
  • Provides 38 alternatives for additional coverage, including carpet cleaning and pest treatment

Cons

  • Lack of transparency in pricing for service call fees
image displaying the offers available for the purchase of the home warranty plan

$200 off + 2 months free + Free roof leak protection

Premium

$50 - $60

Deductible

$90

States covered

All 50 U.S states

Appliances Coverage Limit

$2K/Item

Response Time

Up to 48 hours

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Read Less

Pros

  • Comes with a 60-day workmanship warranty
  • Keeps up customer service rankings on many review platforms
  • Provides 38 alternatives for additional coverage, including carpet cleaning and pest treatment

Cons

  • Lack of transparency in pricing for service call fees
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Pro Tip: Discover the top-rated home warranty providers in the nation by visiting our Best Home Warranty Companies page. 

Home Warranty Cost And Coverage-Related Details For Indianapolis Residents

Understanding the financial implications and the protection options is crucial when considering a home warranty. This section unpacks the essential details to empower Indianapolis residents to make informed decisions:

Cost Considerations 

Coverage Details 
  • Affordable Premiums Indianapolis residents have the advantage of competitive pricing for home warranty plans. With multiple providers in the area, homeowners can compare prices and find options within their budget.
  • Service Call Fees Expect to pay between $79 and $129 for a service call in Indianapolis. This range can vary depending on the company, location, and type of service required.
  • Plan Pricing Options Indianapolis homeowners should explore various plan pricing options offered by home warranty providers. Companies often provide different levels of coverage at varying costs, allowing residents to choose a plan that suits their specific needs and budget.
  • HVAC System Coverage Given the extreme temperatures in Indianapolis, homeowners need to have home warranty coverage for their HVAC (heating, ventilation, and air conditioning) systems. This coverage can help with repair or replacement costs in case of system breakdowns.
  • Plumbing System Coverage Indianapolis residents should consider a home warranty plan that includes coverage for plumbing systems. This coverage can assist with leaks, pipe bursts, or clogged drains, ensuring timely repairs without incurring expensive plumbing service costs.
  • Kitchen Appliance Coverage Home warranty plans in Indianapolis often cover kitchen appliances such as refrigerators, dishwashers, ovens, and stoves.

Interested in understanding home warranty coverage in Indiana? Visit our Indiana State Page for comprehensive insights and information tailored to your needs.

Why Should Indianapolis Citizens Get A Home Warranty?

While home warranties aren't one-size-fits-all, Indianapolis residents have compelling reasons to consider them due to the city's unique geography and climate. 

  • Weather Whipsaws Brutal winters with lows of 19.5°F and sweltering summers reaching 85°F put strain on heating and cooling systems. Warranties can cover repairs or replacements for furnaces, air conditioners, and heat pumps, offering financial protection and comfort during extreme weather.
  • Hard water The city's hard water can wreak havoc on appliances like dishwashers and water heaters. Warranties can cover repairs or replacements due to hard water issues, saving homeowners money in the long run.
  • Roof & Exterior Damage Hailstorms and heavy rain in Indianapolis can damage roofs, siding, and gutters. Warranties with roof leak repair coverage and, in some cases, hail damage coverage can ease the burden of these repairs.
  • Expensive Utility Costs Indianapolis can have high utility costs due to the extreme temperatures. A home warranty can help alleviate the financial burden of unexpected repairs to heating and cooling systems, water heaters, or appliances, ensuring efficient and cost-effective operation.
  • Mature Tree Impact Root intrusion from mature trees can damage sewer lines. Consider warranties with sewer line coverage if your home is in a mature neighbourhood.

Cost of Common Household Repairs in Indianapolis

Let us understand the expenses of routine household repairs in Indianapolis,Indiana

  • Plumbing

    Repair

    Average Cost 

    Toilet Installation/Replacement

    $125.79 – $135.16

    Clearing Drain Clog/Blockage

    $102.02 – $124.91

    Drain Line Video Inspection

    $211.90 – $242.42

    Septic Tank Cleaning/Pumping

    $223.24 – $262.48

    Sewer Line Repair

    $49.70 – $63.66

  • HVAC

    Repair

    Average Cost

    Furnace Repair

    $50-$200

    Air Conditioner Repair

    $150-$450

    Ductwork Cleaning

    $300-$500

    Heat Pump Replacement

    $2,500-$6,000

    Thermostat Repair Cost

    $50 to $200

  • Electrical

    Repair

    Average Cost 

    Outlet Repair

    $75-$200

    Ceiling Fan

    $100-$400

    GFCI Outlet Installation

    $75 to $200

    Panel Upgrade

    $1,500-$3,500

    Circuit Breaker Replacement/Repair

    $150 to $400

  • Appliances

    Repair

    Average Cost

    Dishwasher Repair

    $100-$300

    Refrigerator Repair

    $100-$400

    Washing Machine Repair

    $100-$300

    Oven Repair

    $100-$400

    Microwave Repair

    $50-$150
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Essential Points To Consider When Getting A Home Warranty In Indianapolis

The following elements should be considered while selecting a home warranty in Indiana:

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Who regulates home warranty companies in Indianapolis?

Like most of Indiana, home warranty companies in Indianapolis are regulated by the Indiana Department of Insurance (IDOI). However, it’s important to understand the specifics of this regulation:

Indiana Department of Insurance (IDOI)

  • Registration & Fees: Companies must pay an annual registration fee and file a surety bond to guarantee their financial solvency and ability to meet their obligations to policyholders.
  • Contract Requirements: Home warranty contracts must comply with specific formatting and disclosure requirements, ensuring clarity and transparency for consumers.
  • Financial Solvency: IDOI reviews the financial condition of companies to ensure they have enough reserves to pay out claims.

  • Indiana Department of Insurance (IDOI)

    • Registration & Fees: Companies must pay an annual registration fee and file a surety bond to guarantee their financial solvency and ability to meet their obligations to policyholders.
    • Contract Requirements: Home warranty contracts must comply with specific formatting and disclosure requirements, ensuring clarity and transparency for consumers.
    • Financial Solvency: IDOI reviews the financial condition of companies to ensure they have enough reserves to pay out claims.

Conclusion

Navigating home warranty options in Indianapolis can feel overwhelming. But fear not! With our expert insights and comparisons, you're equipped to find the perfect match. Prioritize coverage tailored to your home's needs, compare costs diligently, and companies with a solid local network of technicians. Don't let unexpected repairs dim your Indy dreams - secure your peace of mind today!

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

FAQs

What Are The Most Frequent Home Warranty Claims In Indianapolis?

Common home warranty claims in Indianapolis often involve crucial home systems and appliances. These frequently include issues with HVAC (Heating, Ventilation, and Air Conditioning) systems, plumbing repairs, electrical malfunctions, water heater failures, and garage door opener issues.

How Much Do Home Warranties Cost In Indianapolis?

The cost of home warranties in Indianapolis can vary depending on coverage level, the provider, and any additional options. On average, annual premiums for home warranties typically range from $300 to $700 or more.

Do Home Warranties Cover Pest Control Services In Indianapolis?

Home warranties typically do not cover pest control services under their basic plans. However, a few home warranty companies offer pest control services as an optional add-on service.

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