Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're considering getting a home warranty, our list of the top providers in Louisville can help. Although homeownership in Louisville has a lot of advantages — such as the convenience of city life — there are also downsides, similar to owning a house anywhere else. One major hassle many homeowners have to deal with at some point is updating or repairing their appliances and home systems.
A home warranty is a way to protect your savings account from unexpected large 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. Because the home warranty market is filled with many providers — all with different coverage — the Today's Homeowner team did the research for you to help you find the right home warranty in Louisville.
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 Louisville residents. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our Choice Home Warranty Review.
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 is the most cost-effective home warranty in Louisville. The 3 plans from Select are comprehensive and offer a mix of 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 from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Louisville area.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For a more detailed breakdown, read our comprehensive 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 Louisville residents. The 3 plans from AHS are easy to understand 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.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Louisville. HSC has about 15 years of industry experience and in that time has built a impressive network of service professionals in the country. HSC has 2 plans for you to choose from. 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 Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our detailed review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
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 is the most trustworthy home warranty for Louisville residents. The 3 policies that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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 generally about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our Liberty Home Guard full review.
Appliance Guard
Systems Guard
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
First American Home Warranty is the best home warranty for appliance coverage for Louisville residents. First American has been in the home warranty industry for around 39 years. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a home warranty 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Louisville. Cinch has been operating for around 44 years, making it a well-regarded company in the industry. The 3 policies that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, 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. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
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 |
|---|---|
| Air Conditioner | $5,934 |
| Heating | $3,956 |
| Electrical | $593 |
| Toilets | $495 |
| Washer/Dryer | $791 |
| Plumbing | $593 |
| Oven | $1,582 |
| Fridge | $593 |
A home warranty is a protection plan that brings down the cost of repairs when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to keep a budget in place and don't want to dip into their savings to pay for large repair or replacement expenses. Typically, about 30 days after a home warranty plan is paid for, the coverage will start on your home systems and appliances.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue.
At this point, you'll pay a service fee, which is generally between $60 and $150, depending on what plan you select. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty in Louisville covers the main systems and appliances in your house. The appliances commonly covered under a home warranty plan are the dishwasher, microwave, oven, dryer, refrigerator, washing machine, and more. System coverage typically includes electrical systems, air conditioning, plumbing, heating, and more.
The add-on coverages can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, natural disasters, pre-existing conditions, and intentional breakages are not covered with a home warranty.
Since temperatures in Louisville can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only can a home warranty give you some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most.
There are also some drawbacks to buying a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty.
Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your claims being denied, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
The first step in protecting your home with a home warranty is determining which provider's plan fits your needs. Figure out which items in your home you need coverage for and compare the policies. Here is a list of factors that you'll want to consider when picking a home warranty provider:
The top home warranty company in Louisville is Choice Home Warranty. Choice Home Warranty has an expansive network of professional technicians and a great reputation in the Louisville area.
A home warranty is a kind of contract that covers repairing and replacing major home system components and appliances.
Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different plan that protects your entire home from natural disasters, which can be a concern in Louisville. It doesn't cover a normal appliance or system breakage.
A home warranty will cover either your home's systems and appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
Usually the homeowner pays for the home warranty. In when selling a home, though, the one selling the home may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Louisville is $175,442, a home warranty can be an added asset when buying a home.
A service fee is an expense that a homeowner pays before a service technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the monthly premium/annual cost unless the expense is more than the coverage cap.
Home warranties usually will not cover issues due to intentional breaking of an appliance, natural disasters, pre-existing conditions, or lack of proper maintenance. The policy only covers damage due to normal wear and tear. Even though it doesn't cover everything, a home warranty can still be useful to help you save some money in a bustling city like Louisville.
