Written By David Cusick
Last Updated February 2024
Homeownership in Zionsville can be satisfying for many, but it also comes with its fair share of headaches. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty in Zionsville can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is filled with a lot of providers — all with different plans — so our team at Today's Homeowner has done the research to help you choose the best home warranty companies in Zionsville.
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
Liberty Home Guard offers the most trustworthy home warranty for Zionsville residents. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Zionsville homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 for each covered appliance or system.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our full 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
Choice Home Warranty offers the best overall home warranty for Zionsville residents. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and have a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Zionsville homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our full 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
Select Home Warranty offers the most cost-effective home warranty for Zionsville residents. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Zionsville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered appliance or system.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our full 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
American Home Shield offers the most customizable home warranty for Zionsville residents. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and have a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Zionsville homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For a more detailed breakdown, read our full 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
First American Home Warranty offers the best home warranty for appliance coverage for Zionsville residents. First American is a home warranty company with 39 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 are comprehensive and have a mix of both system and appliance coverage.
First American Home Warranty offers 2 plans for Zionsville homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 for each covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For a more detailed breakdown, read our full 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Zionsville residents. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and have a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Zionsville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our full 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
The Home Service Club offers the best home warranty with the quickest service for Zionsville residents. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 HSC are comprehensive and have a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Zionsville homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered appliance or system.
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 full 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 | $6,206 |
Heating | $4,137 |
Electrical | $621 |
Toilets | $517 |
Washer/Dryer | $827 |
Plumbing | $621 |
Oven | $1,655 |
Fridge | $621 |
A home warranty is a protection policy that helps Zionsville homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or replace appliances and systems that stop working from 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 repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are garbage disposals, refrigerators, dryers, dishwashers, microwaves, washers, and more. Included systems are typically plumbing, air conditioning, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Zionsville homeowners should know that most home warranty policies have a 30-day period you must wait before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like natural disasters, cosmetic issues, pre-existing conditions, or improper use of a system or appliance. It's important to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties differ greatly in the items covered. Basic plans typically provide protection for plumbing, electrical, AC, heating, and appliances, while more comprehensive plans may also cover spas, roof leaks, pools, and well pumps. Look for providers with an assortment of coverage options, such as upgraded plans. You'll want to tailor your protection for your 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 more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation can offer insight into things such as contractor quality, speed of repairs, approval rates for claims, and customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers have networks of local technicians to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Zionsville and get an idea for how fast your repairs might happen in an emergency situation. Larger networks improve the probability of getting qualified contractors to promptly service your home.
Certain home warranty companies provide perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Added perks enhance your home and maximize your home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Zionsville hitting an average high of 60℃F, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably decrease out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a contractor to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is if you want to sell your home, you can most likely transfer your home warranty policy to the new owners. This can make your house more attractive to potential homebuyers and may help your home sell faster.
As for the disadvantages of home warranties, coverage varies by provider, so it’s important to read what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover home systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Zionsville. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a larger insurance that protects an entire home from natural disasters, which might not be too much of a concern in Zionsville. It doesn't cover a typical appliance or system repairs.
A home warranty plan can help homeowners, investors, homebuyers, real estate agents, and home sellers. It can provide peace of mind and savings to anyone involved with homeownership.
A home warranty policy can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Typically, the one who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Zionsville is $581,159, a home warranty can save you some money when buying a home.