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Last Updated: February 25, 2025
With hot summers, maintaining your home appliances and systems, specifically your HVAC, is very important for homeowners in Lexington. A home warranty can bring you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major systems and appliances.
Choosing the best home warranty on the market can be quite a challenge because of the many options available. If you're frustrated with trying to compare them all, keep reading for our guide on the best home warranty companies in Lexington.
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 Lexington. Liberty has around 6 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
Liberty Home Guard has 3 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 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 Lexington. Choice has around 15 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
Choice Home Warranty has 2 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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 Lexington. Select has around 11 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 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 Lexington. AHS has around 26 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders, which have various system and appliance coverage options.
American Home Shield has 3 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 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 Lexington. First American has around 39 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. First American offers very affordable and comprehensive appliance coverage. Plus, 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. The home warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
First American Home Warranty has 2 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 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 Lexington. Cinch has around 44 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. 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 company offers 3 plans to policyholders, which have various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a combination 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.
For a more detailed breakdown, read our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or call 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 Lexington. HSC has around 15 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 warranty company offers 2 plans to policyholders, which have various system and appliance coverage options.
The Home Service Club has 2 plans that offer a combination 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.
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
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 | $6,137 |
| Heating | $4,091 |
| Electrical | $614 |
| Toilets | $511 |
| Washer/Dryer | $818 |
| Plumbing | $614 |
| Oven | $1,637 |
| Fridge | $614 |
A home warranty is a protection policy that assists Lexington homeowners lower the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that break down 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 fix 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 delivers security for homeowners by helping them prevent expensive emergency fixes. They're particularly valuable for those who own older homes or ones with aging systems. Newer homes with working fixtures probably don’t require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include garbage disposals, microwaves, washers, dryers, refrigerators, dishwashers, and more. Included systems are typically heating, air conditioning, electrical, and plumbing. Many home warranty providers offer add-on coverage for septic systems, central vacuums, locksmiths, and roof leaks. Lexington homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans cover plumbing, AC, heating, electrical, and appliances. More inclusive plans may also provide protection for extra things such as pools, spas, well pumps, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per service call made. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Good feedback and ratings suggest a company known for providing quality service.
Home warranty providers have networks of contractors that they use to tackle covered repairs. Bigger networks improve the chance of getting qualified contractors to your home swiftly. Reach out to possible providers to find out how many technicians they have in Lexington to understand how long repairs might take in an urgent situation.
Some home warranty companies include bonuses such as smart home device protection, energy efficiency upgrades, and maintenance discounts. These perks add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Since temperatures in Lexington can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Getting a home warranty policy can help homeowners save money if one of these systems or appliances breaks unexpectedly.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Plus, having a home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to read what each policy covers and doesn’t include in the contract.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged 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 Lexington can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Lexington.
A home warranty policy can help real estate agents, home sellers, homebuyers, investors, and homeowners. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Lexington include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your washing machine, drier, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Typically, the person who owns the home pays for the home warranty. In some cases, though, the home seller may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Lexington is $289,851, a home warranty can save you some money when buying a home.
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