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7 Best Home Warranty Companies In Louisville, Kentucky

Finding the best home warranty companies in Louisville, Kentucky, can feel like navigating a labyrinth. This page unravels the complexities, highlighting the top providers who’ll keep your home systems humming and your wallet happy. Dive in and discover the perfect warranty match for your Louisville abode.

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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 Louisville

Explore the top-rated home warranty companies listed below to find the best suited for your Louisville home.

Elite Home Warranty

Pros

  • Provides emergency and weekend service availability
  • Offers a wider array of add-ons compared to certain competitors
  • Features high aggregate coverage limits

Cons

  • Lack of pricing information on website
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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 emergency and weekend service availability
  • Offers a wider array of add-ons compared to certain competitors
  • Features high aggregate coverage limits

Cons

  • Lack of pricing information on website

American Home Shield (AHS)

Pros

  • Generous coverage caps for both systems and appliances
  • Flexible coverage options
  • Carries 5 decades of industry experience

Cons

  • Higher premiums on a lower deductible
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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

  • Generous coverage caps for both systems and appliances
  • Flexible coverage options
  • Carries 5 decades of industry experience

Cons

  • Higher premiums on a lower deductible

Cinch Home Services

Pros

  • Extended workmanship guarantee of 180 days
  • Aggregate dollar limits of $10K per contract term
  • Trusted by over 1 million American homeowners

Cons

  • Higher deductible rates

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

  • Extended workmanship guarantee of 180 days
  • Aggregate dollar limits of $10K per contract term
  • Trusted by over 1 million American homeowners

Cons

  • Higher deductible rates

Select Home Warranty

Pros

  • Free roof leak protection with all the plans
  • Responds within a day on claims
  • Protects repairs and services for 90 long days

Cons

  • Recently, customers have complained about delays in receiving services
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$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

  • Free roof leak protection with all the plans
  • Responds within a day on claims
  • Protects repairs and services for 90 long days

Cons

  • Recently, customers have complained about delays in receiving services

Liberty Home Guard

Pros

  • An extensive list of additional coverage
  • A 60-day assurance on craftsmanship
  • Over 10K trained technicians are available for prompt services

Cons

  • Lower coverage limits as compared to the market average
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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Pros

  • An extensive list of additional coverage
  • A 60-day assurance on craftsmanship
  • Over 10K trained technicians are available for prompt services

Cons

  • Lower coverage limits as compared to the market average

Complete Protection Home Warranty

Pros

  • $0 service call fees
  • A network of over 12K trained pros
  • Covers preventative maintenance services

Cons

  • No online customer assistance

Premium

$45 - $75

Deductible

No Service Fee

States covered

47 states

Coverage not available in Massachusetts, New York and Wisconsin

Appliances Coverage Limit

$150 - $1K

Response Time

up to 48 hours

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Pros

  • $0 service call fees
  • A network of over 12K trained pros
  • Covers preventative maintenance services

Cons

  • No online customer assistance

HSA Home Warranty

Pros

  • Coverage for unknown pre-existing problems
  • Does not mandate home inspections
  • Customer portal available 24/7

Cons

  • Plans are only available through real estate transactions

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

  • Coverage for unknown pre-existing problems
  • Does not mandate home inspections
  • Customer portal available 24/7

Cons

  • Plans are only available through real estate transactions
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: Don't miss out on exploring the best home warranty companies on our page to uncover the exceptional offerings from the top players in the industry.

Home Warranty Cost And Coverage-Related Details For Louisville Residents

Home warranties provide homeowners a valuable safety net against unexpected repairs and replacements. Understanding the cost considerations and coverage options can help Louisville residents make informed decisions regarding protecting their homes.

Cost Considerations

Coverage Options
  • Premiums The annual or monthly fees homeowners pay to maintain coverage. The premiums can vary from $29 - $89 monthly and $299 - $699 yearly, depending on the provider and the level of coverage selected.
  • Service Charges Most plans in Louisville have a service fee or deductible per covered repair, typically between $65 and $90. Some might offer higher deductibles in exchange for lower monthly premiums.
  • Additional Fees The size and age of your home, the level of coverage you choose, and add-on options like pool or septic coverage will all impact the total cost of your plan.
  • Appliances Coverage Basic plans in Louisville typically cover essential appliances like refrigerators, ovens, dishwashers, and washing machines. Premium plans might extend coverage to items like garbage disposals, ice makers, and electronics.
  • System Coverage Systems like plumbing, electrical, heating, and air conditioning can be included in your plan. Coverage usually includes repairs or replacements for covered components due to sudden breakdowns.
  • Appliance Plans You can customize your plan further with add-ons like pool and spa coverage, roof leak protection, or even pest control services. Be sure to weigh the additional cost against the value these add-ons offer for your needs.

How Much Do Home Warranties Cost in Louisville, KY? Find out more details about the companies serving in the state on our detailed Kentucky page.

Why Should Louisville Citizens Get A Home Warranty?

Are you considering a home warranty in Louisville? Learn why it's essential for citizens to protect their homes with a comprehensive home warranty plan.

  • Unexpected repair blues Louisville weather can be unpredictable, but your oven shouldn’t be. Homeowners need to ensure their home warranty covers unexpected home appliance breakdowns. This can save homeowners from covering hefty repair or replacement expenses out of pocket.
  • Ease of Use Home warranties simplify the process of managing repairs and replacements. Rather than searching for reliable contractors or comparing quotes, homeowners can simply contact their home warranty provider.
  • Comprehensive Coverage Home warranties typically cover many home systems and appliances, including HVAC systems, plumbing, electrical systems, refrigerators, dishwashers, and more. This comprehensive coverage ensures that homeowners have peace of mind knowing that their essential items are protected.
  • Budget-Friendly Option Instead of paying for expensive repairs or replacements all at once, a home warranty allows homeowners to spread out the cost over time. Louisville citizens can access professional services without breaking their budget by paying a monthly or annual fee.

Cost Of Common Household Repairs In Louisville

Discover the cost of everyday household repairs in Louisville, including plumbing, HVAC, electrical, garage door, and appliance repairs. Learn how to budget and plan for these expenses while keeping your home in shape.

  • Plumbing

    Repair

    Average Cost 

    Running Toilet

    $100-$250

    Clogged Drain

    $100-$300

    Sewer Line Repair

    $1,000-$3,000

    Well Pump

    Up to $500

    Roof Leak

    $1500+

  • Electrical

    Repair

    Average Cost

    Broken Outlet

    $75-$200

    Panel Upgrade

    Up to $3,000

    Faulty Wiring

    $100 – $600

    Electrical Fixture 

    $150 – $350

    Septic System

    Up to $2,000

  • HVAC

    Repair

    Average Cost 

    Furnace Repair

    $250 – $600

    Ductwork Cleaning

    $300-$500

    Blower Motor Repair

    $200 – $550

    Air Conditioner Repair

    $200-$1,500

    Thermostat Repair

    $150 – $450

  • Appliances

    Repair

    Average Cost

    Refrigerator Repair

    $100-$500

    Dishwasher Repair

    $150-$300

    Garbage Disposal Repair

    $100-$350

    Oven Repair

    $150-$500

    Washing Machine Repair

    $100-$400
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 Louisville, KY

Considering the essential points discussed below, you can make an informed decision when selecting a home warranty in Louisville, KY. 

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 Louisville?

Kentucky doesn’t directly regulate home warranty companies through any specific state agency. They are considered service contracts and fall outside the purview of the Kentucky Department of Insurance. However, there are still ways to ensure consumer protection and responsible business practices:

Federal Watchdogs

The Federal Trade Commission (FTC) and the U.S. Department of Housing and Urban Development (HUD) ensure fair advertising and clear disclosures before you buy.

State Resources

The Attorney General’s Office handles complaints, and the Division of Consumer Protection offers information.

Industry Self-Regulation

Organizations like NHSCA and SCIC set ethical standards for their members.

Conclusion

In conclusion, a home warranty can provide homeowners in Louisville, KY, with peace of mind and financial protection. When selecting a home warranty provider, consider their experience, coverage options, customer reviews, and transparency of terms. By making an informed decision, you can enjoy the benefits of a home warranty and protect your investments.

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 Types Of Home Warranty Claims Are Generally Filed In Louisville?

The frequency of these claims in Louisville can be attributed to the typical wear and tear on essential home systems and appliances. Additionally, varying weather conditions and the age of homes in the area may contribute to the prevalence of specific issues like HVAC systems and water heater failures.

Commonly filed home warranty claims in Louisville, along with the ones mentioned above, are plumbing repairs, electrical malfunctions, kitchen appliance problems, and garage door opener issues.

Do Home Warranty Companies Cover Garage Door Issues In Louisville, Kentucky?

The coverage of garage door issues by home warranty companies in Louisville, Kentucky, can vary depending on the specific terms and conditions of the warranty policies. Some home warranty plans may include coverage for garage door openers and related components, while others may have limitations or exclusions.

How Much Do Home Warranties Cost in Louisville?

The cost of home warranties in Louisville can vary based on several factors, including the extent of coverage, the provider, and any additional add-ons or optional coverage you choose. On average, annual premiums for home warranties typically range from $400 to $700 or more, in addition to the service call fee costing $75 – $125 for each repair/replacement request.

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