Indiana offers many benefits to homeowners, including the pleasure of experiencing all four seasons, low cost of living and taxes, and top-tier universities. However, those perks don’t come without their fair share of downfalls. The frigid winters and humid summers can cause extensive wear and tear on the home’s appliances and systems.
A home warranty can protect you from the cost of repairs and replacements of those major home systems and appliances, protecting your home and budget. Our experts reviewed and ranked the best home warranty companies in Indiana so you can find the best fit for you.
The 4 Best Home Warranty Companies in Indiana
What to Look for in an Indiana Home Warranty
We’ve carefully selected these four providers out of dozens of other leading competitors also licensed in Indiana based on their premier cost-to-coverage ratios and valuable policy inclusions. Still, to find the best home warranty for you and your home, you’ll need to pay close attention to the following key features as your compare different providers in your area:
- Coverage Exclusions: Year after year, the number one cause of claim denials industry-wide is due to misunderstood coverage terms. It’s always exciting to see a long list of inclusions offered by a home warranty provider, but it’s incredibly important to familiarize any provider exclusions just as carefully. By understanding what isn’t covered from the get-go, you’ll significantly reduce your odds of having a claim rejected.
- Service Fee Rates: All reputable home warranty providers require their customers to pay a service fee per each new service request that is filed and approved. Service fees are actually a sign of an ethical provider as this deductible is used to compensate contractors for labor costs and any other outlying expenses. If you’re on a budget, consider a provider with a customizable service fee, which can be adjusted to accommodate your personal financial plan.
- Coverage Caps: All maintenance expenses covered by your home warranty provider will only be paid out within a specified annual limit per item. Once you’ve surpassed that maximum, you’ll be responsible for paying any remaining amount out-of-pocket. Prioritize a provider with generous coverage limits, especially if you have high-end appliances or systems as state-of-the-art items will be more expensive to repair or replace.
Compare the Best Home Warranty Companies in Indiana
The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
49 states, excluding WA
47 states, excluding NV, WA, and WI
47 states, excluding NV, WA, and WI
49 states, excluding HI
48 states, excluding AK and HI
42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY
34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI
*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Choice Home Warranty
Choice Home Warranty (CHW) offers the overall best home warranty coverage in the state of Indiana. We rated CHW 4.9/5 stars as a leader in the home warranty space for cost-effective premiums and dedication to quality customer service.
Choice has been in business for more than 14 years and maintains a B rating with the Better Business Bureau (BBB). CHW’s plans are available in 49 states, so the transferability of the policy is relatively easy if you ever move out of Indiana.
Though CHW’s coverage only spans two base plans — Basic and Total — both offer combined protection for your home’s essential appliances and systems. One of the best things about Choice Home Warranty is that its annual coverage caps are quite high. These maximums for many covered systems and appliances reach up to $3000 per item. The nonadjustable service fee associated with either of Choice’s plans is $85.
Here’s a detailed look a Choice Home Warranty’s coverage:
- Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing systems, ceiling fans, garbage disposals, heating systems, cooktop exhaust fans, microwaves, dishwashers, ductwork, electrical systems, garage door openers, ovens, toilets, and water heaters.
- Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the Basic Plan, plus clothes washers/dryers, refrigerators, and air conditioning. The full-scale coverage that this plan level provides, especially for air conditioning, makes this the best policy option for Indiana homeowners.
Alongside its standard coverage, Choice Home Warranty also offers nine optional plan add-ons, including:
- Roof leak repairs (for single-family homes only)
- Central vacuum
- Septic tank pumping
- Septic systems (does not includes leach lines, field lines, or lateral lines)
- Sprinkler systems
- Well pumps
- Sump pumps
- Pool and spa (for in-ground set-ups only)
- Standalone ice-makers and second refrigerators
- Trash compactors
|Plan||Cost Per Month||Annual Cost||Service Fee|
Liberty Home Guard
Our experts rated Liberty Home Guard (LHG) 4.5/5 stars as the most trustworthy home warranty in Indiana. It takes a lot to gain the trust of thousands of customers in just three short years on the market, and LHG has continued to impress real customers and other home warranty industry professionals.
The company has a strong commitment to customer service and following through on its contracts. This is the only home warranty company with an A rating from the Better Business Bureau (BBB) and tons of positive customer reviews to back it up. Overall, Liberty Home Guard does a great job covering issues in your home and allowing for a much better experience with your home warranty company.
There are three plans from Liberty Home Guard. These are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are value plans that do not have comprehensive coverage. Liberty Home Guard is known for its extensive list of add-on coverage and more notable options than other companies on the market. Liberty Home Guard’s coverage caps are fair, with most being around the $1500 mark. The service fee associated with the plan is $75, slightly below the industry average.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door openers, ceiling fans, cooktop exhaust fans, ovens, refrigerators, garbage disposals, dishwashers, built-in microwaves, clothes washers, clothes dryers, and built-in ice-makers. We’d most recommend this plan to first-time homebuyers in Indiana.
- Systems Guard ($69.99 per month): The System Plan offers nine systems coverages. These systems include electrical systems, air conditioning, bath exhaust fans, heating systems, toilets, ductwork, plumbing and plumbing stoppages, and water heaters. Systems Guard is slightly more expensive simply because of the generally higher cost of repairing home systems.
- Total Home Guard ($74.99 per month): The Total Home Guard plan covers 20 items and is the only catch-all plan offered by LHG. Total Home Guard offers the best protection, and for just a few dollars more per month, it makes sense to choose this plan level from the get-go.
Liberty Home Guard has the most exhaustive list of optional add-ons compared to any other leading provider, with optional coverage for:
- Pools and spas (includes chlorine and saltwater set-ups)
- Sump pumps
- Well pumps
- Central vacuum
- Septic system pumping
- Sewage ejector pumps
- Grinder pumps
- Limited roof leak repairs (only applies to patching over occupied areas of single-family homes)
- Standalone freezers, ice-makers, second refrigerators, and wine coolers
- Instant hot water dispensers
- Reverse osmosis filter systems
- Sprinkler systems
- Water softener
- Light fixtures
- Plumbing fixtures
- Electronic protection
- Re-keying (cover re-keys for two lock cylinders per contract term)
- Guest unit coverage (up to 750 square feet)
- Carpet and gutter cleaning
- Gutter cleaning
- Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)
- Window washing (does not include interior cleaning)
- TV mounting (for up to 65-inch or 85-inch TVs)
- Pest control
- Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)
Select Home Warranty
We found Select Home Warranty (SHW) to be the most cost-effective option for Indiana homeowners and rated the company a 4.8 out of 5 stars based on our methodology.
SHW’s plans are not only extremely affordable because of their fair pricing of under $48 per month, but also because they help Indiana homeowners access quality repair work for their home appliances and systems, so that repeat servicing is rarely necessary. The list of inclusions you get with Select is quite extensive, and they also include free roof leak coverage with each policy.
Select Home Warranty has three plans for its customers to choose from. The Gold Care policy is an appliance plan, whereas the Bronze Care is its systems-only plan. The Platinum Care plan, SHW’s most comprehensive coverage level, is a combo policy with the best overall coverage for Indiana homeowners. Coverage caps from Select Home Warranty are slightly lower — in the $200 to $500 range — as indicated by its low monthly pricing. The service fee from Select Home Warranty is also one of the lowest at $60 per appointment.
Here’s a detailed look at Select Home Warranty’s coverage:
- Bronze Care ($44.42 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops.
- Gold Care ($44.42 per month): Gold Care is very similar to the Bronze Care plan, except it only offers coverage for systems. The six major home systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Some coverage caps are as high as $2000 with this plan.
- Platinum Care ($47.45 per month): The Platinum plan is the best overall option from Select Home Warranty because it covers 16 items. Having both system and appliance coverage for this fair price is well worth it. As you can see, the difference in pricing is just a few dollars per month for double the coverage.
For up to 30 days after the purchase of your standard coverage, you can add the following additional coverage riders to your SHW policy:
- Central vacuum
- Lawn sprinkler systems
- Septic systems
- Built-in ice-makers (does not cover freestanding ice-makers, dispensers, valves, or water lines)
- Pools and spas
- Standalone freezers and second refrigerators
- Sump pumps
- Well pumps
- Plumbing fixtures (including showerheads, faucet filters, shower arms, etc.)
- Light fixtures (including smoke detectors, outlets, electrical switches, fluorescent fixtures, etc.)
|Plan||Cost Per Month||Annual Cost||Service Fee|
American Home Shield
American Home Shield (AHS) offers a level of customizability in its home warranty plans that no other provider in Indiana can currently compete with.
American Home Shield customers can customize both the plan and payment options to fit the specific needs of their Indiana home. It offers $75, $100, and $125 service fee options which makes the monthly payments more flexible. With over 50 years in the business and a BBB rating of B, American Home Shield is one of the most trusted home warranty companies.
American Home Shield is a premium home warranty provider with three plan options for Indiana homeowners. The plans include the ShieldSilver systems plan, the ShieldGold combo plan, and the ShieldPlatinum comprehensive plan. The three plans from American Home Shield can be used as-is or customized to meet your Indiana home’s needs. In addition, the service fee is customizable to ensure that this plan fits within your budget. The prices on our chart are based on a $100 service fee.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver ($39.99 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical systems, smoke alarms, water heaters, doorbells, garage door openers, heating systems, plumbing, and ductwork. Most of the systems on this plan include coverage caps of around $2500. The only issue with this plan is the lack of appliance coverage.
- ShieldGold ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus clothes washers, dishwashers, clothes dryer, built-in microwaves, ovens, and refrigerators. ShieldGold is one of the most popular plans because it has both system and appliance coverage for a fair value.
- ShieldPlatinum ($64.99 per month): ShieldPlatinum is one of the best policies on the market for Indiana homeowners. You will greatly benefit from this comprehensive coverage of more than 27 systems and appliances if you can afford this monthly pricing. ShieldPlatinum has many other benefits, including a $1000 credit for unexpected expenses like permits.
You can maximize your home warranty coverage through AHS with the following coverage add-ons:
- Electronic extended warranty (includes an unlimited number of devices including TVs, tablets, laptops, home theater systems, smart home features, and more)
- Guest units (up to 750 square feet)
- Roof leak repairs
- Pools and spas (does not include above-ground or portable pools)
- Well pumps
- Septic pumps (only includes sewage ejector pumps and mainline stoppages)
|Plan||Cost Per Month ($75 service fee)||Cost Per Month ($100 service fee)||Cost Per Month ($125 service fee)|
Local Home Warranty Companies in Indiana
Finding the best home warranty in Indiana can be challenging if you’re looking for coverage in a local city or coverage specific to Indiana homes. Our experts also reviewed and ranked the top Indiana home warranties in popular cities.
Find the Best Home Warranty in Your Area
What is an Indiana Home Warranty and How Does it Work?
A home warranty is a renewable service contract that s designed to specifically guarantee financial coverage for your home’s major appliances and systems as they gradually fail due to normal age-related wear and tear Most home warranty agreements offer coverage for a 12-month policy period, which can be renewed at the start of each year.
When a covered system or appliance does eventually breakdown in your home, putting your Indiana home warranty benefits to use is simple:
- File a Claim: You must file a claim with your home warranty provider as soon as you notice a problem with one of your appliances or systems. This can be done over the phone with a customer service representative or online through your customer portal. Claims are typically processed within 24-48 hours, but in emergency situations, the decision process can sometimes be expedited.
- First Home Visit — The Diagnosis: Before a repair or replacement occurs, your home warranty provider will send a pre-approved local technician out to your home to assess the issue in person. Once the contractor has a sense of the level of maintenance required, they’ll report back to your provider with a price estimate for the job. Keep in mind that you’ll be responsible for paying a service fee at this point in the process.
- Second Home Visit — The Repair or Replacement: The final repair will take place promptly after your provider receives the price estimate from your technician. Beyond the initial service fee, you won’t owe anything further. With that being said, any maintenance costs that exceed the annual coverage limits disclosed in your contract may result in additional charges on your behalf.
With a home warranty in place, you’ll be covered for repairs and replacement across a wide range of major home appliances and built-in systems when they eventually break down due to regular wear and tear. While each home warranty company has its own set of inclusions and exclusions watch this video to learn what an Indiana home warranty would typically cover:
Final Verdict: Is a Home Warranty in Indiana Worth it?
Even though Indiana offers some of the most affordable housing in the United States, Hoosier homeowners still need to have at least 1% of their home’s purchase price earmarked for inevitable home maintenance expenses. In other words, given that the average median home value in Indiana currently sits around $140,000, local homeowners should have at least $1,400 on hand for unexpected system and appliance repairs.
By signing up with one of the best home warranty companies in Indiana, you can secure annual coverage ranging from $500-$3,000+ per item in your home, all for a fixed monthly or annual payment.
A home warranty is an excellent choice for Indiana homeowners that cannot fix or repair their home systems and appliances on their own. If you know that you will hire technicians or service personnel to come to the home and fix issues for you, then the home warranty is a wise investment to look into. It provides peace of mind, and protection of your budget — two invaluable pieces of homeownership.
To boil our review down even further, our in-house research team has decided on Choice Home Warranty as the best overall home warranty service provider available in Indiana.
FAQs about Indiana Home Warranties
How much does a home warranty cost in Indiana?
An Indiana home warranty will range in price from around $35 a month to $75 a month. The higher-priced plans will have quite a bit of add-on coverage options and typically a very low-priced service fee. Higher-priced plans often cover the home more extensively and have things like pool and spa coverage added to the monthly costs.
What is a service fee?
A service fee is a price you pay when you need to schedule a repair for your home. The service fee will include the diagnosis of the issue and the actual repair costs involved. For most repairs and replacements for homeowners, the service fee is the only cost homeowners incur.
What is the best home warranty in Indiana?
The best home warranty company in Indiana is Choice Home Warranty. Choice has spent more than 13 years in the industry, and they do a great job of handling customer service requests and issues that come up. In addition, the overall affordability of the Choice Home Warranty plan is quite good.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
- Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
- Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
- Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
- Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
- Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.