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Last Updated: February 25, 2025
As much as you may love homeownership in Carmel, there's always that concern about whether your systems and appliances are going to need repairs over the next few years. A home warranty policy can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be difficult because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Carmel.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Carmel. Liberty has been on the market for more than 6 years, making it a well-respected company in the industry. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
For more information on this provider, read our full review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Carmel. Choice has been on the market for more than 15 years, making it a well-respected company in the industry. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
For more information on this provider, read our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Carmel. Select has been on the market for more than 11 years, making it a well-respected company in the industry. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered system or appliance.
For more information on this provider, read our full review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Carmel. AHS has been on the market for more than 26 years, making it a well-respected company in the industry. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered system or appliance.
For more information on this provider, read our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Carmel. First American has been on the market for more than 39 years, making it a well-respected company in the industry. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered system or appliance.
For more information on this provider, read our full review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Carmel. Cinch has been on the market for more than 44 years, making it a well-respected company in the industry. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered system or appliance.
For more information on this provider, read our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Carmel. HSC has been on the market for more than 15 years, making it a well-respected company in the industry. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered system or appliance.
For more information on this provider, read our full review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,286 |
| Heating | $4,191 |
| Electrical | $629 |
| Toilets | $524 |
| Washer/Dryer | $838 |
| Plumbing | $629 |
| Oven | $1,676 |
| Fridge | $629 |
A home warranty is a protection policy that helps lower expenses for Carmel homeowners needing appliance and system repairs. These plans provide financial coverage to fix or replace appliances and systems that break due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include washers, dryers, microwaves, dishwashers, garbage disposals, refrigerators, and others. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Most home warranty plans require Carmel homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to know before signing a contract:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover plumbing, electrical, AC, heating, and appliances. More comprehensive plans also include protection for other items such as pools, well pumps, roof leaks, and spas. Look for a company that offers an extensive selection of coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can offer insight into things such as approval rates for claims, speed of repairs, contractor quality, and customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential companies to ask how many repair specialists they have in Carmel and get an idea of how fast your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to swiftly service your home.
Home warranty companies sometimes offer bonuses such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These can add value beyond just repair coverage. Additional perks maximize the usefulness of the home warranty.
Home warranty policies are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Carmel reaching an average high of 60℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system break down.
Plus, having a home warranty can save you time by getting rid of the need to research technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It’s important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need.
Another thing to take into consideration is that some providers don’t cover pre-existing issues and may require an inspection before your coverage can start. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
A home warranty in Carmel can cost between $30 and $60 a month. The higher-priced plans tend to have broader coverage, higher coverage limits, and a lower service fee. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Carmel.
First-time homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed annually. Some providers may offer month-to-month options.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Carmel, where the median home value is $524,733, having the seller pay for the home warranty can save you some money on your new home.
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