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Last Updated: February 25, 2025
Kettering offers homeowners some beautiful living options. However, unexpected repair and replacement costs on your home’s appliances and systems can get quite costly. A home warranty can bring you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be a challenge because of the many options out there. If you're tired of trying to compare them all, keep reading for our guide on the top home warranty companies in Kettering.
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 is the most trustworthy home warranty in Kettering. Liberty has 3 simple plans, making the selection process quick and easy. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
Read more by visiting our full review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 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
Choice Home Warranty is the best overall home warranty in Kettering. Choice has 2 simple plans, making the selection process quick and easy. With a home warranty from Choice, you can enjoy 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. The coverage caps associated with Choice’s plans are around the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
Read more by visiting our full review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
Select Home Warranty is the most cost-effective home warranty in Kettering. Select has 3 simple plans, making the selection process quick and easy. 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.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our full review of Select Home Warranty. To receive 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 is the most customizable home warranty in Kettering. AHS has 3 simple plans, making the selection process quick and easy. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: 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.
Read more by visiting our full review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
First American Home Warranty is the best home warranty for appliance coverage in Kettering. First American has 2 simple plans, making the selection process quick and easy. With a home warranty from First American, you can enjoy 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.
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 around the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
Read more by visiting our full review of First American Home Warranty. To receive 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 Kettering. Cinch has 3 simple plans, making the selection process quick and easy. With a home warranty from Cinch, you can enjoy 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
Read more by visiting our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 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
The Home Service Club is the best home warranty with the quickest service in Kettering. HSC has 2 simple plans, making the selection process quick and easy. With a home warranty from HSC, you can enjoy 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
Read more by visiting our full review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 | $7,009 |
| Heating | $4,673 |
| Electrical | $701 |
| Toilets | $584 |
| Washer/Dryer | $935 |
| Plumbing | $701 |
| Oven | $1,869 |
| Fridge | $701 |
A home warranty is a protection plan that assists Kettering homeowners cut the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear. Homeowners file 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 reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties cover your home systems and appliances. Warranties usually cover appliances such as dishwashers, microwaves, dryers, washers, garbage disposals, refrigerators, and others. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranty providers also offer add-on coverage for septic systems, central vacuums, roof leaks, and locksmiths. Kettering homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should know key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage varies, although most plans cover AC, electrical, plumbing, heating, and appliances. More comprehensive options may also cover additional items such as pools, well pumps, roof leaks, and spas. Look for companies with varied coverage options, including upgraded plans. This allows you to customize your plan to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about providers. Good feedback and ratings suggest a company known for quality service.
Home warranty companies have networks of contractors to handle covered repairs. Bigger networks increase the likelihood of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Kettering to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty providers include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These extras can offer extra value beyond repair coverage. Extra bonuses allow you to enhance your home and get the most from your home warranty.
Since temperatures in Kettering can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. A home warranty can also provide value in other ways. For instance, some policies can be transferred to another owner when you sell your home.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Another possible pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your repair requests being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty costs, on average, about $300 to $600 a year in Kettering. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty plans cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects your entire home from natural disasters, which can sometimes be a concern in Kettering. It doesn't cover a normal appliance or system repairs.
A home warranty plan can help home sellers, investors, real estate agents, homeowners, and homebuyers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
In general, the homeowner is the one who pays 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 has to pay the service fees. In Kettering, where the median home value is $398,044, having the seller pay for the home warranty can save you some money on your new home.
