Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Being a homeowner in Fishers is an excellent option for those who like up-and-coming areas. However, as great as Fishers is, homeownership always comes with its fair share of headaches, such as trying to take care of your appliance and system repairs yourself. A home warranty is a way to protect your budget from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be challenging because of the sheer number of options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the top home warranty providers in Fishers.
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 Fishers, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for about 6 years, making it a well-respected company in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
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 around $3,000.
Read more by visiting our 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
In Fishers, Choice Home Warranty offers the best overall home warranty. Choice has been operating for about 15 years, making it a well-respected company in the industry. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
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 around $3,000.
Read more by visiting our 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
In Fishers, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for about 11 years, making it a well-respected company in the industry. The 3 plans from Select are comprehensive and offer both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 around $2,000.
Read more by visiting our 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
In Fishers, American Home Shield offers the most customizable home warranty. AHS has been operating for about 26 years, making it a well-respected company in the industry. The 3 plans from AHS are comprehensive and offer both system and appliance coverage. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies.
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 around $2,500.
Read more by visiting our 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
In Fishers, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for about 39 years, making it a well-respected company in the industry. The 2 plans from First American are comprehensive and offer both system and appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. 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.
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 around $1,500.
Read more by visiting our 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
In Fishers, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for about 44 years, making it a well-respected company in the industry. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
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 around $1,000-$2,000.
Read more by visiting our 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
In Fishers, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for about 15 years, making it a well-respected company in the industry. The 2 plans from HSC are comprehensive and offer both system and appliance coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
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 around $2,000.
Read more by visiting our 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 | $6,293 |
| Heating | $4,196 |
| Electrical | $629 |
| Toilets | $524 |
| Washer/Dryer | $839 |
| Plumbing | $629 |
| Oven | $1,678 |
| Fridge | $629 |
A home warranty is a protection policy that assists Fishers homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the repair 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 gives homeowners peace of mind by helping avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances might not require a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include garbage disposals, dishwashers, microwaves, dryers, refrigerators, washers, and others. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer additional add-on coverage options for septic systems, central vacuums, locksmiths, and even roof leaks. Fishers homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are a number of home warranty terms to know before signing an agreement, including:
There are several key considerations when choosing a home warranty provider:
Home warranty plans vary widely in what they include. Most plans cover plumbing, heating, electrical, AC, and appliances. More comprehensive options also include coverage for other items such as roof leaks, well pumps, pools, and spas. Focus on companies with broad coverage options including upgraded plans. Flexibility like this will help you customize your plan to meet your 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 when a homeowner goes a defined period without any repair requests.
A home warranty company's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Check review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Reach out to potential providers to find out how many repair technicians they have in Fishers and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the likelihood of getting qualified contractors to quickly service your home.
Certain home warranty providers offer perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can offer extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.
Fishers’s relatively mild winters and hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Plus, having a home warranty can save you some time by getting rid of the need to research repair people — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. A home warranty can also provide value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One major drawback of home warranties is not everything may be covered. It’s important to compare the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another downside is that home warranties may not include some repairs, such as those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the affected systems and appliances most likely won’t be covered by the home warranty.
A home warranty in Fishers can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease 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 warranties 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 plan that protects your entire home from natural disasters, which might not be too much of a concern in Fishers. It doesn't cover a normal appliance or system damage.
Homebuyers, homeowners, real estate agents, home sellers, 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.
The different home warranties in Fishers include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your home systems and appliances, such as your washing machine, drier, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items listed in the contract.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Fishers is $410,971, a home warranty can save you some money when buying a home.
