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Best Home Warranty in Indianapolis, IN

Jan. 24, 2020, 1:18 a.m.

A home warranty covers the cost of repairing plumbing, major appliances and home systems that aren’t covered by homeowners insurance. Having a home warranty is an especially good idea in Indianapolis where hot summers and cold winters add extra wear and tear to your heating and cooling systems. Our partners at We researched the best home warranty in Indianapolis to help you decide what coverage works best for your home.

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#1
MOST POPULAR
American Home Shield

Be sure with The Shield.

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#1 MOST POPULAR
American Home Shield
American Home Shield
Features
  • 4 coverage plans
  • Starting at $75 deductible
  • Coverage regardless of age or make
  • Available in Indianapolis
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#2
Choice Home Warranty
Choice Home Warranty
Features
  • Experienced contractors
  • Submit claims online
  • First month free
  • Available in Indianapolis
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#3
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty
Features
  • Comprehensive coverage for systems and appliances
  • Covers HVAC, plumbing, refrigerator, dishwasher, oven and more
  • 6,000+ authorized, independent service contractors
  • 35+ years experience
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#4
Total Home Protection
Total Home Protection
Features
  • Plans as low as $1/day
  • Prescreened & local technicians
  • 24/7 customer service
  • Available in Indianapolis
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#5
America's 1st Choice Home Club
America's 1st Choice Home Club
Features
  • 2 coverage plan options
  • Fixed rate locked in with no year-to-year increases
  • No limit on service requests
  • Flexibility to choose your own service technician
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#6
Select Home Warranty
Select Home Warranty
Features
  • 2018 Best in Service award winner
  • Lowest deductable
  • $60 service fee
  • Available in Indianapolis
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Why do I need a home warranty in Indianapolis?

Indianapolis Skyline

When major appliances break or critical home systems fail, it’s necessary to replace them as quickly as possible. Most people don’t want to live without a refrigerator or heat during a cold Indianapolis winter. These repairs, however, are often expensive, which can leave you in a stressful situation where a significant expense must be paid immediately. Home warranties protect you in these situations.

Before purchasing a home warranty in Indianapolis, it’s important to know what it is. A home warranty is not homeowners insurance, but it works as a supplement to homeowners insurance and covers repairs to essential home items, such as heating, ventilation and air conditioning (HVAC) systems and large appliances. On the other hand, your warranty will not cover a crack in your foundation or a leaking roof.

How to avoid a home warranty scam in Indianapolis

When you’re shopping for a home warranty in Indianapolis, make sure to ask providers if they’re licensed with the Indiana Department of Insurance. Be sure to read the fine print in the home warranty as well – you’ll want to understand what is and isn’t covered to make sure you’re buying the service you need. The contract may also require you to perform regular maintenance for the warranty to be valid.

Be sure to insist the company performs a home inspection of your appliances and your heating, cooling and plumbing systems. Many home warranty companies will advertise this isn’t necessary, but the lack of an inspection can open a loophole for unethical companies to avoid paying claims. Without the inspection, there’s no documentation proving the appliance or system wasn’t broken before the warranty was purchased.

Home warranty cost and coverage in Indianapolis

In Indianapolis, the average cost of a warranty is $132 per year, which is well below the national average of $475 for a basic plan. Typically, a warranty on your property will cover the following:

  • Plumbing systems
  • Range/oven
  • Dishwasher
  • Sump pump
  • Water heater
  • Heating, cooling and electrical system components
  • Built-in microwave

Different levels of plans are available in Indianapolis. Some plans may only cover a few critical items, but others offer expanded coverage that may include items like hot tubs, televisions and other appliances. Read the warranty carefully to see what’s covered and ask questions to be sure the warranty suits your needs before making any purchases.

American Home Shield

American Home Shield VISIT AMERICAN HOME SHIELD

American Home Shield has more than 50 years of experience and has paid out more than $2 billion in claims over the past five years. The company has three level of plans and allows you to build a custom plan. Many reviews praise the company’s personable and courteous technicians, but some customers in Indianapolis say they’ve had issues with poor customer service.

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Choice Home Warranty

Choice Home Warranty VISIT CHOICE HOME WARRANTY

Choice Home Warranty offers comprehensive plans that protect against costly repairs or replacement of properly maintained heating and cooling systems and appliances. One Indianapolis reviewer wrote the company has “excellent and extremely prompt service” and that he “will continue to recommend Choice Home Warranty to [his] family and friends.”

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2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

With more than 35 years in business, 2-10 Home Buyers Warranty is an industry leader that covers appliances like a dishwasher, refrigerator, washing machine and air conditioner, to name a few. Whether you’re buying, selling or building a home, 2-10 offers a service agreement to protect you from unexpected repair costs.

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Total Home Protection

Total Home Protection VISIT TOTAL HOME PROTECTION

With plans starting at just $1 per day, THP is popular among Indiana residents on a budget. Total Home Protection has two plans that offer add-ons for enhanced coverage. File claims online or over the phone. Pre-approved contractors are sent to your home for only the deductible charged.

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America's 1st Choice Home Club

America's 1st Choice Home Club

CALL AFC HOME CLUB

(678) 236-0645 VISIT AMERICA'S 1ST CHOICE HOME CLUB

With tiered pricing options, AFC Home Club makes it easy to see what is and is not covered under its three plans. Choose one that fits your home’s needs and buy extra coverage to protect additional appliances and systems. There’s no deductible, only a $60 service fee. Plans include restaurant gift cards and a retail savings program for cash back at 5,000 retailers.

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Select Home Warranty

Select Home Warranty VISIT SELECT HOME WARRANTY

Select Home Warranty advertises an extensive national network of licensed, pre-approved and certified contractors. The company’s service plans cover rental properties, mobile homes, manufactured homes, single-family homes, multiple units and condos. Many customers in Indianapolis recommend the company for its hassle-free claims processing.

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