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7 Best Home Warranty Companies In Lexington, Kentucky

Lexington offers a unique blend of city life and natural beauty, from vibrant horse farms to historic charm. But unexpected home repairs shouldn’t disrupt your Bluegrass serenity! Dive into our Best Home Warranty Companies in Lexington, Kentucky guide. Explore trusted providers, compare coverage options, and find the perfect match for your needs. Embrace peace of mind and enjoy all Lexington has to offer worry-free! 

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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 The Best Home Warranty Companies In Lexington, Kentucky

Here's an outline of Lexington's seven top home warranty companies, each offering distinct advantages and considerations for homeowners to evaluate.

Elite Home Warranty

Pros

  • Holds an A+ BBB rating
  • Provides a 90-day workmanship guarantee
  • Offers a unique $0 deductible option

Cons

  • Relatively new to the industry
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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

  • Holds an A+ BBB rating
  • Provides a 90-day workmanship guarantee
  • Offers a unique $0 deductible option

Cons

  • Relatively new to the industry

Choice Home Warranty

Pros

  • Straightforward plan structure compared to some companies
  • Provides 24/7 customer service
  • Has a simple claims process

Cons

  • Some users report delays in service or repair times
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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

  • Straightforward plan structure compared to some companies
  • Provides 24/7 customer service
  • Has a simple claims process

Cons

  • Some users report delays in service or repair times

America’s Preferred Home Warranty (APHW)

Pros

  • Offers customizable plans to suit individual needs
  • Provides the option for homeowners to choose their own contractors
  • Known for good customer service

Cons

  • They may have limitations on coverage caps for certain appliances or systems

Premium

$58.82 - $63.48

Deductible

$50 & $100

States covered

49 states

Coverage not available in California

Appliances Coverage Limit

$25,000 contractual limit

Response Time

48 - 72 hours

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Pros

  • Offers customizable plans to suit individual needs
  • Provides the option for homeowners to choose their own contractors
  • Known for good customer service

Cons

  • They may have limitations on coverage caps for certain appliances or systems

Select Home Warranty

Pros

  • Often offers promotions and discounts for new customers
  • Covers a variety of home systems and appliances
  • Has a network of licensed and qualified contractors

Cons

  • Some report that Select Home Warranty has stricter claim guidelines compared to other providers
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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Pros

  • Often offers promotions and discounts for new customers
  • Covers a variety of home systems and appliances
  • Has a network of licensed and qualified contractors

Cons

  • Some report that Select Home Warranty has stricter claim guidelines compared to other providers

Liberty Home Guard

Pros

  • Known for high customer satisfaction ratings
  • Offers a wide range of add-on options
  • User-friendly online platform for claims and customer service

Cons

  • Some plans may have more exclusions compared to competitors
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$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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Pros

  • Known for high customer satisfaction ratings
  • Offers a wide range of add-on options
  • User-friendly online platform for claims and customer service

Cons

  • Some plans may have more exclusions compared to competitors

ServicePlus Home Warranty

Pros

  • Offers additional coverage options, such as for pools and spas
  • Known for having a straightforward claims process
  • Provides emergency service for urgent issues

Cons

  • Some customers have reported inconsistencies in service quality
image displaying the offers available for the purchase of the home warranty plan

$200 Off + 2 Months Free*

Premium

$43 - $79

Deductible

$75

States covered

46 states

Coverage not available in California, Nevada, New York and Washington

Appliances Coverage Limit

$3K/item

Response Time

48 hours

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Read Less

Pros

  • Offers additional coverage options, such as for pools and spas
  • Known for having a straightforward claims process
  • Provides emergency service for urgent issues

Cons

  • Some customers have reported inconsistencies in service quality

HSA Home Warranty

Pros

  • Has a long-standing reputation in the home warranty industry
  • Offers a range of plans at different price points
  • Provides 24/7 customer support

Cons

  • There may be limitations in coverage for older appliances and systems

Premium

$37 - $54

Deductible

$100 - $125

States covered

27 states

Coverage not available in Alabama, Arkansas, Arizona, California, Colorado, Florida, Hawaii, Idaho, Louisiana, Massachusetts, Mississippi, Nebraska, New Hampshire, New Mexico, Nevada, Oklahoma, Oregon, South Dakota, Texas, Utah, Vermont, Washington and Wyoming

Appliances Coverage Limit

25K per contract

Response Time

N/A

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Pros

  • Has a long-standing reputation in the home warranty industry
  • Offers a range of plans at different price points
  • Provides 24/7 customer support

Cons

  • There may be limitations in coverage for older appliances and systems
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: We've compiled a selection of Best Home Warranty Companies to assist you in making an informed decision.

Home Warranty Cost And Coverage-Related Details For Lexington, Kentucky Residents

Explore the specifics of home warranty costs and coverage tailored for Lexington, Kentucky residents. The table below highlights key information about pricing, deductibles, and the extensive protection offered by leading home warranty companies in the Bluegrass State.

Cost Considerations

Coverage Options
  • Average Range Lexington homeowners generally enjoy slightly lower than national average home warranty costs, around $35-$45 monthly. Remember, your specific plan and coverage choices influence the final price.
  • Deductibles Expect service call fees between $50 and $70 per repair in most Lexington plans. Higher deductibles can lower your monthly premium but factor in the out-of-pocket cost per claim.
  • Factors Influencing The Cost Your home's age, size, and desired coverage (pool, septic system) can significantly impact your final cost. Consider potential weather-related wear and tear specific to Kentucky's climate.
  • Appliances Plans Basic plans typically cover major appliances like refrigerators, dishwashers, and ovens. Upgrade for washer/dryers, garbage disposals, or even electronics coverage.
  • Systems Coverage Plumbing, electrical, and air conditioning/heating systems are often included, ensuring repairs for covered breakdowns. Consider adding coverage for well pumps or generators for extra peace of mind.
  • Add-Ons Protect against Lexington's unique challenges with optional add-ons like roof leak coverage, seasonal surge protection, or pool equipment for covered systems.

Explore our Kentucky State Page to discover premier home warranty providers. Compare costs and coverage for an informed decision, ensuring optimal protection for your home and budget.

Why Should Lexington, Kentucky Citizens Get A Home Warranty?

Lexington’s unique climate and regional characteristics pose particular challenges for homeowners. Here are some significant reasons for investing in a home warranty:

  • Climate Variability Lexington's varying climate, with hot summers and cold winters, can strain HVAC systems. A home warranty can alleviate the financial burden of unexpected repairs or replacements.
  • Storm Protection Severe weather, including storms and occasional tornadoes, can cause unexpected damage. Home warranties can provide coverage for such weather-related repairs.
  • Historic Homes Many heritage homes in Lexington may require more frequent repairs, especially for the plumbing and electrical systems. A home warranty can be a valuable asset in preserving these charming properties.
  • Agricultural Community The proximity to farmland and rural settings in Lexington can lead to unique challenges, such as septic system failures. Specialized home warranty coverage can be crucial for these elements.
  • Convenience and Budgeting A home warranty can provide homeowners with a convenient way to address various home repairs through a single service contract. This can make budgeting for unexpected expenses more manageable.

Cost Of Common Household Repairs In Lexington, Kentucky

Here is an overview of costs associated with common household items’ repair:

  • Plumbing

    Repair

    Average Cost 

    Pipe Repair

    $150-$350

    Water Heater Issues

    $100-$400

    Septic System Repair

    $200-$1,500

    Toilet Repair

    $100 – $250

    Pipe Leaks

    $150 – $300

  • HVAC

    Repair

    Average Cost 

    Heating System Repair

    $150-$400

    Air Conditioner Service

    $100-$500

    Ductwork Repair

    $200-$500

    Thermostat Replacement

    $100 – $250

    Heat Pump Repair

    $200 – $700

  • Electrical

    Repair

    Average Cost

    Circuit Breaker Issues

    $100-$200

    Light Fixture Installation

    $150-$350

    Complete House Rewiring

    $3,000-$8,000

    Wiring Repair

    $150 – $700

    Electrical Panel Upgrade

    $400 – $1,500

  • Appliances

    Repair

    Average Cost

    Microwave Repair

    $100-$250

    Range/Oven Repair

    $150-$400

    Dryer Repair

    $100-$200

    Refrigerator Repair

    $150 – $450

    Dishwasher Repair

    $90 – $300
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 While Getting A Home Warranty In Lexington, Kentucky

When selecting a home warranty in Lexington, consider these key aspects:

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 Lexington, Kentucky?

In Lexington, home warranty companies are regulated by the following agencies:

Kentucky Department of Insurance Licensing

  • Licensing: The Kentucky Department of Insurance likely imposes licensing requirements on home warranty companies operating within the state.
  • Consumer Protection Standards: The department may enforce consumer protection standards to ensure that home warranty contracts are transparent and provide adequate coverage.
  • Monitoring and Enforcement: The Kentucky Department of Insurance is likely responsible for monitoring the compliance of home warranty companies with state regulations. This may involve regular audits, investigations into consumer complaints, and taking enforcement actions against companies that violate the established rules.

  • Kentucky Department of Insurance Licensing

    • Licensing: The Kentucky Department of Insurance likely imposes licensing requirements on home warranty companies operating within the state.
    • Consumer Protection Standards: The department may enforce consumer protection standards to ensure that home warranty contracts are transparent and provide adequate coverage.
    • Monitoring and Enforcement: The Kentucky Department of Insurance is likely responsible for monitoring the compliance of home warranty companies with state regulations. This may involve regular audits, investigations into consumer complaints, and taking enforcement actions against companies that violate the established rules.

Conclusion

This guide empowered you to explore leading Lexington home warranty companies, compare coverage details, and prioritize your unique needs. Remember, research carefully, compare quotes, and choose the provider that offers peace of mind and protects your Kentucky haven. Embrace worry-free living and enjoy all of Lexington's magic!

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 Lexington?

Common home warranty claims in Lexington, influenced by its climate, may include HVAC system failures, roof leaks, plumbing issues due to freezing temperatures, appliance malfunctions, and electrical system problems from severe weather events. 

What Is The Average Home Warranty Cost In Kentucky?

The average home warranty cost in Kentucky ranges from $300 to $600 per year. However, prices can vary based on coverage levels, providers, and specific plan features.

Can Home Warranty Companies Deny Claims?

Yes, home warranty companies can deny claims for various reasons, including lack of maintenance, pre-existing conditions, improper installation or repairs, code violations, and exclusions outlined in the contract. 

Homeowners should review their contracts carefully, maintain covered items properly, and ensure that claims align with the terms and conditions. If a claim is denied, homeowners may have options to appeal or seek clarification from the warranty company.

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