Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
There are many perks of owning a home, but as your Evansville home ages, you may need to update your appliances and systems. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market is saturated with many providers — all with different price points — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Evansville.
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 Evansville, Liberty Home Guard is the most trustworthy home warranty. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. 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 plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
For more information on this provider, read our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
In Evansville, Choice Home Warranty is the best overall home warranty. The 2 plans from Choice are easy to understand and offer both system and appliance coverage. 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 plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
For more information on this provider, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
In Evansville, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are easy to understand and offer both system and appliance coverage. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our full review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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
In Evansville, American Home Shield is the most customizable home warranty. The 3 plans from AHS are easy to understand and offer both system and appliance coverage. 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 plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information on this provider, read our full review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 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
In Evansville, First American Home Warranty is the best home warranty for appliance coverage. The 2 plans from First American are easy to understand and offer both system and appliance coverage. 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
For more information on this provider, read our full review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
In Evansville, Cinch Home Services is the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information on this provider, read our full review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 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
In Evansville, The Home Service Club is the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and offer both system and appliance coverage. 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 plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information on this provider, read our full review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $5,980 |
| Heating | $3,986 |
| Electrical | $598 |
| Toilets | $498 |
| Washer/Dryer | $797 |
| Plumbing | $598 |
| Oven | $1,595 |
| Fridge | $598 |
A home warranty is a protection plan that assists Evansville homeowners lower the costs of appliance and system repairs. The plans offer coverage to fix or replace appliances and systems that break down due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty delivers security for homeowners by helping them avoid expensive emergency repairs. They're particularly useful for those who live in older homes or ones with outdated systems. More modern builds with functional appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are washers, microwaves, refrigerators, dishwashers, dryers, garbage disposals, and more. Covered systems are normally electrical, plumbing, heating, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Evansville homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several key factors to consider when choosing a home warranty provider:
Home warranty policies vary widely in what they include. Most plans provide protection for heating, plumbing, electrical, AC, and appliances. More comprehensive options also include coverage for other items such as pools, well pumps, roof leaks, and spas. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per service call made. The per-request costs can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty provider's rating provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair technicians they have in Evansville and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the chances of getting qualified contractors to swiftly service your home.
Certain home warranty companies include extras such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses can provide extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranty plans are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Evansville hitting an average high of 65℃F, you may find that certain appliances, like your air conditioning unit, get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system break down.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another added benefit of having home warranty coverage is that it can raise your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
There are also some downsides to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won’t cover systems or appliances that have stopped working due to animal infestations, improper maintenance, natural disasters, etc.
A home warranty in Evansville can cost anywhere from $30 to $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues with home 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 an entire home from natural disasters, which can sometimes be a concern in Evansville. It doesn't cover a normal appliance or system repairs.
Homebuyers, homeowners, real estate agents, landlords, and home sellers 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 plan can cover your systems, appliances, or both. Combination plans are great 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.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees when using the policy. In Evansville, where the median value of a home is $183,283, having the seller pay for the home warranty can be a good asset for your new home.
