Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Although homeownership in Elkhart has a great number of advantages — such as the convenience of city life — there are also downsides. One major headache many homeowners have to deal with eventually is updating or repairing their home appliances and systems. A home warranty in Elkhart can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the right protection for your home can be time-consuming, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Elkhart. Read on for our top provider recommendations.
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
In Elkhart, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our detailed review of Liberty Home Guard.
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
In Elkhart, Choice Home Warranty offers the best overall home warranty. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our detailed review of Choice Home Warranty.
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
In Elkhart, Select Home Warranty offers the most cost-effective home warranty. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our detailed review of Select Home Warranty.
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
In Elkhart, American Home Shield offers the most customizable home warranty. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our detailed review of American Home Shield.
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
In Elkhart, First American Home Warranty offers the best home warranty for appliance coverage. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it 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. The 2 policies that First American offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our detailed review of First American Home Warranty.
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
In Elkhart, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our detailed review of Cinch Home Services.
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
In Elkhart, The Home Service Club offers the best home warranty with the quickest service. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our detailed review of The Home Service Club.
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 | $5,818 |
| Heating | $3,878 |
| Electrical | $582 |
| Toilets | $485 |
| Washer/Dryer | $776 |
| Plumbing | $582 |
| Oven | $1,551 |
| Fridge | $582 |
A home warranty is a protection plan that helps lower expenses for Elkhart homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as dishwashers, garbage disposals, refrigerators, dryers, washers, microwaves, and more. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty companies also offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Elkhart should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover heating, AC, plumbing, electrical, and appliances, while more comprehensive options may also cover spas, well pumps, pools, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty providers maintain networks of contractors to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Elkhart to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers often include extras such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These can add value beyond just repair coverage. Added perks help maximize the usefulness of the home warranty.
Temperatures in Elkhart can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Elkhart, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition, having a home warranty can save you some time by eliminating the need to research contractors — most companies will send a trusted professional right to your door to carry out the repair or replacement. A home warranty can also give value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
There are also some drawbacks to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Elkhart. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Elkhart. It doesn't cover a typical appliance or system breakage.
Homebuyers, real estate agents, home sellers, homeowners, and landlords can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty plan will cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Home warranty plans typically provide coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Elkhart, where the median home value is $202,955, having the seller pay for the home warranty can be a good asset for your new home.
