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Best Home Warranty Companies In kentucky 2025

Kentucky’s hot and humid summers and occasional severe weather events, like storms and heavy rainfall, pose challenges for home systems and appliances. This list of the best home warranty companies in Kentucky will help you compare coverage, pricing, and customer service to find the perfect fit for your Bluegrass home.

Our Picks: 5 Best Home Warranty Companies For kentucky Residents

After thoroughly comparing numerous providers, we've singled out Kentucky's top 5 home warranty companies. These companies offer trustworthy coverage, assuring homeowners in the Bluegrass State that their homes will function smoothly year-round.

OUR #1 PICK
1

Elite Home Warranty

  • Strong coverage for systems prone to humidity-related wear.
  • Allows for comprehensive customization of plans.
  • Offers optional add-ons for home security systems.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Affordable service fees for claims resolution.
  • Reliable coverage for aging plumbing and electrical systems.
  • Includes coverage for HVAC systems essential in humid climates.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Strong coverage for HVAC systems essential in varying climates.
  • Offers multiple plan options with affordable pricing.
  • Provides the option to choose your own licensed contractor.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Are Home Warranty Plans Beneficial For Kentucky Homeowners?

Home warranty plans can offer several benefits to Kentucky, including:

  • Kentucky experiences a range of weather conditions, including hot and humid summers. Home warranty plans can provide coverage for essential systems like HVAC, helping homeowners address potential weather-related challenges more efficiently.
  • Standard homeowners insurance may not cover normal wear and tear, but a warranty can help manage repair and replacement costs.
  • Home warranty plans typically cover major systems (HVAC, plumbing, electrical) and appliances (refrigerators, ovens, etc.). 
  • A home warranty can offer peace of mind, knowing that certain home systems and appliances are covered. This can be especially reassuring for new homeowners or those unfamiliar with the condition of their home's components.

How Much Does A Kentucky Home Warranty Cost?

Here's a general cost range for Kentucky home warranty:

Average Annual Cost

$420 - $700

Average Monthly Cost

$30 - $90

Average Service Fee (Deductible)

$65-$125

The cost of a home warranty can vary widely depending on several factors, including the level of coverage, the provider, and the location of your home. 

  • Coverage Level: Plans generally cover major systems and appliances, which cost more than basic coverage. More extensive protection may include HVAC, plumbing, electrical, and various appliances.
  • Service Call Fee: You may be required to pay a service call fee each time you request service. This fee can range from $50 to $150 per service call. Higher service call fees may result in lower annual premiums.
  • Optional Coverage: Additional coverage for items like pool equipment, septic systems, or additional appliances can increase Kentucky's overall home warranty cost. 
  • Home Size & Age: The size and age of your home can impact the cost. A smaller home with newer appliances may cost less than a bigger one with older systems and appliances.
  • Location: The cost of living and service provider availability in your location can influence the overall cost of a home warranty.

Home Warranty Coverage In Kentucky

Home warranty coverage in Kentucky typically includes protection for essential home systems and major appliances.

General Coverage Of Kentucky Home Warranty

  • HVAC SystemsFrom scorching summer humidity to frigid winter nights, a home warranty can be your secret weapon. Coverage often includes repairs for your furnace, air conditioner, and ductwork, ensuring year-round comfort in your Kentucky home.
  • Plumbing SystemsWhether your abode boasts archaic pipes with intricate layouts or features modern plumbing systems, a warranty can safeguard against leaks, clogs, and malfunctions.
  • Electrical SystemsOlder electrical systems can pose safety hazards, especially in older Kentucky homes. Warranties can cover repairs to wiring, outlets, switches, and breaker panels, keeping your electrical system functioning safely and efficiently.
  • AppliancesThe company covers major kitchen appliances such as refrigerators, ovens, ranges, cooktops, dishwashers, and built-in microwaves. It also protects washer and dryer units.

Common Exclusions 

  • Pre-Existing ConditionsMost home warranty plans exclude coverage for pre-existing conditions, which are the issues that existed before the coverage start date. 
  • Cosmetic IssuesHome warranties typically don’t cover cosmetic problems or non-functional features of appliances or systems, such as dents, scratches, or appearances.
  • Accessory ItemsCertain components of appliances or systems, such as accessories, knobs, or removable parts, may not be covered.
  • Improper MaintenanceIf a system or appliance breaks down due to the homeowner’s lack of proper maintenance or neglect, it may not be covered.Regular maintenance is often the homeowner’s responsibility.

Here Are Some Additional Points To Consider

  • Coverage OptionsSome plans offer customization or additional coverage for specific items.
  • Service Call FeesUnderstand the service call fee structure.
  • Claim ProcessA streamlined and user-friendly claims process can save you time and hassle when requesting service for a covered item.

Who Regulates Home Warranty Companies In Kentucky?

In Kentucky, no single agency is solely responsible for regulating home warranty companies. However, several resources can help you navigate the selection process:

  • Kentucky Department Of Insurance Although the DOI doesn't directly regulate home warranty companies, it can be a helpful resource. You can file general complaints against a home warranty company you've had issues with. Their website might also offer educational resources to help you understand home warranty contracts better.

  • National Association Of Home Warranty Companies While not a regulatory body, the NAHW is a national trade association that promotes ethical business practices within the home warranty industry. Kentucky-based home warranty companies that are members of the NAHW  might be held to a higher standard of service due to the organization's code of ethics.

  • Kentucky Attorney General's Office The Attorney General's Office can be a valuable resource for homeowners experiencing issues with a home warranty company. You can file complaints against companies that haven't honored their agreements. Their website might also offer consumer protection information related to home warranties.

Final Words

Conquer Kentucky's unpredictable weather and appliance woes! Explore our in-depth reviews to find the perfect home warranty for your Bluegrass haven. We compare coverage options, pricing, and customer service details to ensure you get the best fit. Don't let unexpected breakdowns disrupt your Kentucky comfort – secure peace of mind with a reliable warranty plan.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Kentucky?+

What Is A Workmanship Guarantee?+

How Do Home Warranty Companies Decide Between Repair Or Replacement Of Appliances?+

How Long Do Home Warranties Last?+

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