Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about getting a home warranty? One of our top home warranty providers can help. With a relatively mild climate, West Lafayette is a great place to own a home. However, homeownership doesn't always come easy, like repairing your home's systems and appliances.
A home warranty can offer you the peace of mind you need about your home and guard your bank account from large expenses by covering your home's major systems and appliances. Although a home warranty can help with your expenses as a homeowner, one pain point is narrowing down the perfect choice for your West Lafayette home. That's why we've done the research and have compiled a list of the best home warranty companies in West Lafayette.
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 for West Lafayette residents. 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 has 2 plans for you to decide between.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the West Lafayette area.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty full review.
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 West Lafayette, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $60.
Read more by visiting our thorough 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
American Home Shield offers the most customizable home warranty for West Lafayette residents. AHS offers 3 plans for you to decide between. 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. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
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 West Lafayette. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 offers 2 plans for West Lafayette homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. 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 give them a call at 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in West Lafayette. Liberty has about 6 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the West Lafayette area.
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.
Total Home Guard
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 West Lafayette, First American Home Warranty offers the best home warranty for appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, 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 home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
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 West Lafayette, Cinch Home Services offers the home warranty with the best workmanship guarantee. 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. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our Cinch Home Services full review to learn more.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. A home warranty plan usually has a 30-day waiting period from the time you pay to when you can start using it.
Filing a claim with your home warranty company is easy. You can utilize an online portal system or a direct phone number to request service for a repair or replacement.
After that, you will pay the service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranties also have a coverage cap, which is the maximum cost per appliance that the home warranty will cover for repairs and replacements.
A home warranty in West Lafayette covers the main systems and appliances in your home. The appliances covered are a clothes washer, cooktop, dishwasher, stove, clothes dryer, microwave, refrigerator, and more. The systems included are the plumbing, air conditioning, electrical, heating, and others.
Many home warranty plans also offer add-on coverage options for roof leaks, septic systems, central vacuums, and even locksmiths.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, pre-existing conditions, misuse, and lack of maintenance.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in West Lafayette reaching an average high of 60℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket costs should your HVAC system stop working.
In addition to saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may have.
One disadvantage of getting a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read through any contracts you're considering carefully to get a sense of what is included and what isn't.
Another thing to bear in mind is that some providers don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you need more information or if this is a problem for you.
After reviewing home warranties in West Lafayette, the next step is to decide which company you'd like to receive a free quote from. Here is a list of factors that you'll want to take into account when selecting a home warranty provider:
The best overall home warranty provider in West Lafayette is Choice Home Warranty, but the perfect company for you will depend on factors like what appliances and systems you need coverage for.
A home warranty is a kind of service contract that covers the repairs and replacements of your major home system components and appliances.
A home warranty plan can protect you from high-cost repair bills, but only if you buy a good quality plan from a reputable company. When deciding which home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should look at the type of coverage the company offers and what kinds of appliances and systems are covered. Homes that have new appliances or systems can get by on a plan with less coverage.
Home warranty plans typically offer coverage for a year. Many providers let you renew your plan each year, which can be good in West Lafayette for added protection against something like your heater or A.C. needing repairs when you require it the most.
Most home warranty plans are going to cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
A home warranty in West Lafayette can cost between $40 and $80 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and more coverage.
Home warranties typically will not cover issues that happen because of intentional breaking of an appliance, lack of proper maintenance, pre-existing conditions, or natural disasters. They only cover damage due to normal wear and tear. Although it doesn't cover everything, a home warranty can still be useful to help you save some money in a city like West Lafayette.