ALLCOMPANIES BLOGS
color_picker

Best Home Warranty Companies in Indiana: Comprehensive Guide for 2025

Indiana homeowners looking for reliable protection for their home systems and appliances can benefit from a comprehensive home warranty. In this 2025 guide, we’ll review Indiana’s top 10 home warranty providers, focusing on their coverage, pricing, and service fees. Whether it’s harsh winters or aging systems, these plans are designed to keep your home running smoothly.

Top 10 Home Warranty Providers in Indiana

Here is the list of the top home warranty companies in Indiana:

OUR #1 PICK

Elite Home Warranty
fourhalf_star 4.9/5

Elite Home Warranty
  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Appliances limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Elite Home Warranty offers highly customizable plans that cover essential systems like HVAC, plumbing, and electrical, as well as major appliances such as refrigerators and dishwashers. Optional add-ons include roof leaks, pools, and septic systems.
  • Price: Plans start at $40 monthly, with additional charges for optional add-ons.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked Elite Home Warranty

Elite Home Warranty’s personalized approach and flexibility in coverage options make it the best choice for Indiana homeowners. Their fast claims processing ensures minimal downtime, and their transparent pricing lets customers understand precisely what they’re paying for.

Additionally, Elite’s strong customer support and comprehensive coverage plans have earned it top marks from users, making it a reliable option for homeowners across Indiana.

Excellent Services

Home Warranty of America
threehalf_star 3.3/5

Home Warranty of America
  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Appliances limit
    -
    $400
Offers
$150 Off + 1 Month Free*
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club
fourhalf_star 4.1/5

The Home Service Club
  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Appliances limit
    -
    $800
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers Standard and Comprehensive coverage plans for systems and appliances.
  • Price: Monthly premiums range from $51 to $63.
  • Service Fee: Between $65 and $125.

Why We Picked The Home Service Club

The Home Service Club stands out due to its broad range of covered items and focus on timely service delivery. Their two comprehensive plans allow homeowners to choose between standard and premium options, accommodating various needs and budgets. The company’s emphasis on efficiency and customer support makes it a standout in the California market.

Nationwide Coverage

Regency Total Home Warranty
fourhalf_star 4.1/5

Regency Total Home Warranty
  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Appliances limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Regency Total Home Warranty offers comprehensive coverage for HVAC, plumbing, and electrical systems, as well as major appliances like refrigerators and dishwashers. Optional add-ons include roof leaks, pools, and sump pumps.
  • Price: Pricing begins at $39.99 per month.
  • Service Fee: The service fee is a flat $75 per claim.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty’s straightforward pricing and comprehensive coverage make it a top pick for Indiana homeowners. Their low service fees and transparent terms ensure you know exactly what you’re paying for.

In addition, their fast claim resolution process and strong customer satisfaction ratings make them a reliable choice for homeowners seeking hassle-free protection.

Best Customer Support

Liberty Home Guard
fourhalf_star 4.7/5

Liberty Home Guard
  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Appliances limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

American Home Shield (AHS)
fourhalf_star 4.2/5

American Home Shield (AHS)
  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Appliances limit
    -
    $6000
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: American Home Shield provides three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans cover systems like HVAC, plumbing, and electrical, as well as refrigerators, washers, and dryers. The ShieldPlatinum plan includes roof leak coverage and higher payout limits.
  • Price: Plans start at $39.99 per month, depending on the level of coverage.
  • Service Fee: Service fees range from $75 to $125.

Why We Picked American Home Shield (AHS)

American Home Shield’s extensive coverage options and long-standing reputation make it a top contender in Indiana. Their flexible plans cater to homeowner needs, from essential system protection to comprehensive coverage.

Moreover, AHS’s high claim approval rates and responsive customer service make it a trusted name in the home warranty industry, offering peace of mind to Indiana residents.

BBB ACCREDITED

America’s First Choice
fourhalf_star 4.6/5

America’s First Choice
  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Appliances limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
phoneicon
50
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: AFC Home Club offers four plan options: Silver, Systems, Gold, and Platinum. These plans cover significant HVAC, plumbing, and electrical systems, along with appliances such as refrigerators and dishwashers. Optional coverage includes tankless water heaters and pool equipment.
  • Price: Plans start at $32 per month, making AFC an affordable option.
  • Service Fee: Depending on the plan, service fees range from $75 to $125.

Why We Picked America’s First Choice

AFC Home Club’s affordability and flexibility in choosing contractors make it a standout choice for Indiana homeowners. Their ability to customize coverage ensures you get the best value for your money.

Furthermore, AFC’s extended service guarantees and proactive approach to repairs add an extra layer of reliability, making them a smart choice for long-term home protection.

BEST RATED BY U.S. NEWS

ARW Home – American Residential Warranty
fourhalf_star 4.3/5

ARW Home – American Residential Warranty
  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Appliances limit
    -
    N/A
Offers
2 Months FREE* on All Plans
phoneicon
50
States Covered
phoneicon
Not Accredited
BBB Rating
phoneicon
$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: ARW Home Warranty provides extensive plans covering both systems and appliances. Their Platinum Premier plan is popular for its comprehensive protection, including HVAC, plumbing, electrical systems, major appliances, and electronics.
  • Price: Plans start at $34.99 per month.
  • Service Fee: The service fee is $100 per claim.

Why We Picked ARW Home – American Residential Warranty

ARW Home Warranty includes electronics coverage and robust system protection, making it a unique offering for Indiana homeowners. Their plans are particularly appealing to those with tech-heavy homes.

Additionally, ARW’s 24/7 customer service and quick response times ensure homeowners can rely on them for efficient repairs and support.

First American Home Warranty
four_star 4/5

First American Home Warranty
  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Appliances limit
    -
    $3,500
phoneicon
35
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: First American Home Warranty offers two plans: the Basic Plan and the Premier Plan. The Basic Plan covers essential appliances, while the Premier Plan expands to include significant systems like HVAC, plumbing, and electrical. Optional coverage is available for pool and spa equipment.
  • Price: Plans start at $36 per month.
  • Service Fee: The service fee is $85 per claim.

Why We Picked First American Home Warranty

First American Home Warranty’s competitive pricing and reliable service make it an excellent choice for Indiana homeowners. Their two-plan structure allows customers to choose coverage that aligns with their needs and budget.

Their intense focus on customer satisfaction and quick response times further enhance their reputation as a dependable home warranty provider.

Cinch Home Services
threehalf_star 3.9/5

Cinch Home Services
  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Appliances limit
    -
    $2,000
phoneicon
48
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. The Complete Home Plan combines coverage for appliances and systems with additional benefits like reimbursement for homeowners’ insurance deductibles.
  • Price: Plans start at $34.99 monthly, with the Complete Home Plan priced around $55.
  • Service Fee: Service fees range from $100 to $150, offering flexibility based on budget.

Why We Picked Cinch Home Services

Cinch Home Services’ unique deductible reimbursement feature and robust coverage make it an appealing choice for Indiana homeowners. Their Complete Home Plan provides peace of mind by covering virtually all home systems and appliances.

Additionally, Cinch’s reputation for quick claims processing and 24/7 customer support makes it a reliable and customer-focused provider in Indiana.

America’s Preferred Home Warranty (APHW)
threehalf_star 3.9/5

America’s Preferred Home Warranty (APHW)
  • Premium
    -
    $39.58- $62.08
  • Deductible
    -
    $50, $75, $100, $125
  • Appliances limit
    -
    $1,000
phoneicon
49
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: APHW provides flexible plans covering essential home systems and appliances. Optional add-ons include pools, sump pumps, and septic systems, allowing homeowners to customize coverage.
  • Price: Plans start at $39 per month.
  • Service Fee: The service fee is a flat $100 per claim.

Why We Picked America’s Preferred Home Warranty (APHW)

America’s Preferred Home Warranty’s standout feature is the ability to choose your own contractor, which provides homeowners with greater control over repairs. Indiana residents highly value this flexibility.

Moreover, their competitive pricing and customizable plans ensure homeowners can create plans tailored to their unique needs, making APHW a reliable and versatile choice.

2-10 Home Buyers Warranty
twohalf_star 3/5

2-10 Home Buyers Warranty
  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Appliances limit
    -
    $2,000
phoneicon
44
States Covered
phoneicon
Accredited Business
BBB Rating
phoneicon
N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: 2-10 Home Buyers Warranty offers three plans: Systems Plan, Appliance Plan, and Combo Plan. The Combo Plan combines coverage for major systems and appliances with optional add-ons for pools and septic systems.
  • Price: Plans start at $25 per month, with Combo Plans averaging $40–$50 per month.
  • Service Fee: Service fees range from $85 to $100 per claim.

Why We Picked 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty’s affordable Combo Plan and additional add-ons make it a versatile option for Indiana homeowners. Their plans cater to both new and older homes, ensuring comprehensive protection.

Their excellent contractor network and proactive maintenance options further set them apart as a trusted choice in Indiana.

Is A Home Warranty Right For You In Indiana?

As a homeowner in Indiana, protecting your property and ensuring peace of mind are top priorities. While homeowners insurance covers damages caused by unexpected events like fire or natural disasters, a home warranty covers repair and replacement costs for major home systems and appliances due to wear and tear. But is a home warranty the right choice for you? Let’s break it down by focusing on what Indiana homeowners need to know.

Unique Challenges For Homeowners In Indiana

Indiana’s climate, with its hot, humid summers and cold winters, can significantly strain home systems and appliances. Due to the state’s weather fluctuations, heating systems, air conditioners, water heaters, and plumbing lines are especially susceptible to wear and tear.

In addition, many homes in Indiana face challenging water issues, which can lead to quicker deterioration of appliances like dishwashers, washing machines, and water heaters. If your home is older, the chances of needing repairs increase, making a home warranty potentially invaluable.

Benefits Of A Home Warranty In Indiana

  1. Cost Savings on Repairs and Replacements
    A single major repair could cost hundreds or even thousands of dollars without a home warranty. For example:

    • HVAC system repair: $200–$600
    • Furnace replacement: $3,000–$7,000
    • Water heater replacement: $800–$2,000
  2. A home warranty ensures that, for a relatively small annual fee and service call charge, you’re not financially blindsided by unexpected breakdowns.
  3. Comprehensive Coverage
    Indiana homeowners often use warranties to cover essential systems such as heating, cooling, plumbing, electrical systems, and appliances like refrigerators and ovens. With harsh winters, a warranty covering heating systems can be a lifesaver.
  4. Peace of Mind
    Whether you’re a first-time homeowner or have owned your home for years, a home warranty provides reassurance. If something goes wrong, you simply call your provider, and they will find a qualified technician and cover most of the cost.

Things To Consider Before Buying A Home Warranty

  1. Age of Your Home and Appliances
    Older homes with aging systems and appliances may benefit more from a home warranty. A warranty could save you significant money if your HVAC system, plumbing, or kitchen appliances are nearing the end of their expected lifespan.
  2. Coverage Plans and Exclusions
    Not all home warranties are created equal. Review what each plan covers and what is excluded. For example:

    • Does the warranty cover pre-existing conditions?
    • Are repairs for issues caused by hard water included?
  3. Given the state’s climate, Indiana homeowners should specifically look for plans that address heating and cooling systems.
  4. Service Fees and Premium Costs
    Understand the balance between monthly premiums and service call fees. A lower monthly payment may come with higher service fees, so calculate your potential out-of-pocket costs before committing to a plan.
  5. Provider Reputation
    Research providers operating in Indiana. Look for customer reviews, ratings, and complaints. Local expertise is especially crucial, as it ensures the technicians are familiar with regional challenges like hard water or climate-related wear.

Who Can Benefit Most From A Home Warranty?

  1. First-Time Homeowners
    If you’re new to homeownership, you may not fully understand maintenance costs. A home warranty offers a financial safety net as you navigate the responsibilities of owning a home.
  2. Owners of Older Homes
    Older homes in Indiana often have outdated systems or appliances prone to breakdowns. A home warranty can help reduce repair costs and keep your home running smoothly.
  3. Landlords and Property Investors
    Indiana landlords with rental properties can use home warranties to manage repair costs and minimize tenant disruption. It’s a practical way to keep expenses predictable and avoid surprises.
  4. Budget-Conscious Homeowners
    If you want to protect your savings from unexpected expenses, a home warranty ensures you won’t be caught off guard by significant repair costs.

Is A Home Warranty Worth The Cost In Indiana?

A home warranty can provide peace of mind, but whether it’s worth the cost depends on various factors, including your home’s age, financial situation, and the types of coverage offered. Below, we’ll break down the key considerations specific to homeowners in Indiana to help you make an informed decision.

Common Repairs & Costs In Indiana Homes

Indiana’s diverse climate, humid summers, and freezing winters can lead to significant wear and tear on home systems and appliances. Common issues that might require repair or replacement include:

A home warranty can offset these costs, but it is essential to evaluate whether the premium and service fees justify the potential savings.

How Does Indiana’s Climate Affect Home Warranty Value?

Indiana’s climate plays a significant role in determining the value of a home warranty.

Homeowners with older systems or those in regions prone to extreme weather may find a home warranty particularly beneficial.

Is A Home Warranty a Good Fit For Your Home’s Age & Condition?

The age and condition of your home greatly influence whether a warranty is worth the cost.

Evaluate your home’s specific needs based on its age, as this will help determine the cost-benefit balance.

Customizing Coverage For Indiana Homeowners

Home warranty providers often offer customizable plans, allowing Indiana homeowners to tailor coverage to their needs.

Take note of add-on options, such as coverage for sump pumps or septic systems, which are particularly relevant for many Indiana homes.

Budgeting For A Home Warranty In Indiana

Home warranties typically cost between $400–$800 annually, with service fees ranging from $60–$150 per claim. To determine if the cost is worth it:

A home warranty can offer financial peace of mind for homeowners with limited savings or those who prefer predictable expenses.

Choosing The Right Home Warranty Provider In Indiana

Not all home warranties are created equal, and Indiana homeowners should consider the following:

By researching and comparing plans, you can ensure the warranty aligns with your needs and offers actual value.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

hwc-logo

4.9 /5

(888) 894-6151

Who Oversees Home Warranty Companies In Indiana?

Regulative oversight plays a critical role in ensuring that home warranty companies operate fairly and transparently in Indiana. Home warranty companies are typically governed by specific state laws and regulatory bodies to protect consumers from unethical practices, misleading contracts, and poor service. In Indiana, the oversight of these companies involves multiple agencies, laws, and consumer protections.

State-Level Oversight By The Indiana Department Of Insurance (IDOI)

The Indiana Department of Insurance (IDOI) is the primary regulatory body that oversees home warranty companies in the state. The IDOI ensures that these companies comply with Indiana’s insurance laws and regulations, even though home warranties are technically considered service contracts rather than traditional insurance policies.

Key responsibilities of the IDOI include:

Indiana Service Contract Act

Home warranty contracts in Indiana often fall under the purview of the Indiana Service Contract Act. This legislation outlines the legal framework for service contracts, including home warranties, and provides important consumer protections.

Key provisions of the Act include:

Federal Oversight: Magnuson-Moss Warranty Act

The Magnuson-Moss Warranty Act regulates home warranty companies at the federal level. Although this act primarily applies to consumer products, it requires warranty providers, including those offering home warranties, to:

While state laws take precedence, federal regulations serve as an additional layer of protection for homeowners in Indiana.

How Complaints Are Handled In Indiana

If a homeowner in Indiana encounters issues with a home warranty company, there are multiple avenues for filing complaints and seeking resolution:

  1. Filing a Complaint with the IDOI: Consumers can submit complaints to the Indiana Department of Insurance. The IDOI investigates these complaints and takes action if a company is found to be non-compliant with state regulations.
  2. Better Business Bureau (BBB): The BBB serves as an intermediary between consumers and businesses, helping to resolve disputes and track a company’s reputation.
  3. Small Claims Court: In cases where the monetary value of the dispute is within the allowable limits, homeowners can file a claim in small claims court to seek compensation.
  4. Consumer Protection Division: The Indiana Attorney General’s Consumer Protection Division also assists with resolving issues related to service contracts and ensures that companies adhere to fair business practices.

Ensuring Accountability Through Bond Requirements

Indiana may require home warranty companies to secure a performance bond to protect consumers. This bond acts as a financial guarantee that the company will fulfill its contractual obligations. If the company fails to honor its agreements, the bond can be used to compensate affected homeowners.

Choosing A Home Warranty Provider In Indiana

Understanding who oversees home warranty companies is essential when selecting a provider. Look for companies that:

Conclusion

Indiana’s diverse climate, with cold winters and warm, humid summers, can cause wear and tear on HVAC systems, plumbing, and appliances. A home warranty ensures homeowners are prepared for these challenges.

A warranty offers financial security for homes in cities like Indianapolis or South Bend, where aging infrastructure is shared. It protects against the costs of repairing or replacing essential systems and appliances.