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Last Updated: February 25, 2025
Buying a home is a big step for many people, but maintaining it can be expensive over time, especially if your home in Kokomo is on the older side. A home warranty in Kokomo can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that break down due to normal wear and tear.
Finding the best home warranty on the market can be quite a challenge because of the many options available. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Kokomo.
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 Kokomo, Liberty Home Guard is the most trustworthy home warranty. Liberty offers 3 plans for homeowners to choose from. 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.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 Kokomo, Choice Home Warranty is the best overall home warranty. Choice offers 2 plans for homeowners to choose from. 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.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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 Kokomo, Select Home Warranty is the most cost-effective home warranty. Select offers 3 plans for homeowners to choose from. 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.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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 Kokomo, American Home Shield is the most customizable home warranty. AHS offers 3 plans for homeowners to choose from. 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.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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 Kokomo, First American Home Warranty is the best home warranty for appliance coverage. First American offers 2 plans for homeowners to choose from. 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.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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 Kokomo, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers 3 plans for homeowners to choose from. 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.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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 Kokomo, The Home Service Club is the best home warranty with the quickest service. HSC offers 2 plans for homeowners to choose from. 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 Home Service Club has 2 plans that offer a mix of appliance and system coverage. 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.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $5,695 |
| Heating | $3,797 |
| Electrical | $570 |
| Toilets | $475 |
| Washer/Dryer | $759 |
| Plumbing | $570 |
| Oven | $1,519 |
| Fridge | $570 |
A home warranty is a protection plan that helps lower expenses for Kokomo homeowners needing appliance and system repairs. These plans provide financial coverage to repair 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 provider then arranges a contractor to make the repair 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 homeowners reassurance by helping avoid expensive emergency repairs. The coverage is particularly helpful for owners of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances might not require a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include refrigerators, microwaves, dryers, washers, dishwashers, garbage disposals, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Kokomo homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several key factors to consider when choosing a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for electrical, plumbing, heating, AC, and appliances. More comprehensive options may also include other things such as well pumps, roof leaks, spas, and pools. 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-claim costs can add up, so some homeowners prefer using providers 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 rating provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Complimentary ratings and reviews indicate a provider known for stellar service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Larger networks improve the likelihood of getting qualified contractors to your home promptly. Contact possible providers to learn how many repair professionals they have in Kokomo to understand how long repairs may take in an urgent situation.
Home warranty companies might include extras such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras add value beyond basic repair coverage. Added perks maximize the usefulness of your home warranty.
Temperatures in Kokomo can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a good bit of use. As a homeowner in Kokomo, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Not only can 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 contractor and schedule a repair. A home warranty handles 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 house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
One downside of a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through any contracts you’re considering thoroughly to understand what is included and what isn’t.
In addition, if you don’t maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Kokomo can cost between $30 and $60 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with 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 might not be too much of a concern in Kokomo. It doesn't cover a typical appliance or system breakage.
First-time homebuyers, landlords, homeowners, home sellers, and real estate agents can all get 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 beneficial 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 policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the homeowner 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 will pay the service fees when using the policy. In Kokomo, where the median home value is $153,835, having the seller pay for the home warranty can save you some money on your new home.
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