Based on verified reviews from local homeowners, Cinch Home Services is the best home warranty company in Indiana. American Home Shield is ideal if you want a solid plan at a low price point, and Choice Home Warranty is known for fast response times.
Our research team vetted home warranty companies that are rated by hundreds of customers in Indiana. Read our guide to choose the best home warranty in Indiana for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Monthly starting costs | Service fee | |
|---|---|---|---|---|---|
 Cinch Home Services | Get a Quote | 4.1
12,243 reviews
12,243 reviews
| Best overall | $38.99 | $100, $125 or $150 |
 American Home Shield | Get a Quote | 3.7
109,264 reviews
109,264 reviews
| Value | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
73,419 reviews
73,419 reviews
| Quick service | $46.83 | $100 |
 Select Home Warranty | Get a Quote | 3.6
15,984 reviews
15,984 reviews
| Roof coverage | $60.42 | $75 to $100 |
Learn more about our top picks for the best home warranty companies for Indiana residents based on authentic, up-to-date reviews from ConsumerAffairs.
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Indiana experiences cold winters and humid summers, creating year-round strain on home systems and appliances. The state has older industrial city housing, especially in Indianapolis, alongside suburban and rural properties. We'll help you find coverage to meet the state’s unique needs.
Indiana homeowners should prioritize heating and plumbing coverage. Winters can be quite cold, and furnace failures are common.
Jump to insightIndiana home warranty plans cost $35 to $90 per month on average.
Jump to insightCombo plans offer the broadest protection at the highest price, and usually have higher payout limits.
Jump to insightChoosing a home warranty in Indiana starts with knowing what needs protection in your home. Compare plan details, sample contracts and authentic customer reviews so you can select the best fit for your property and lifestyle. Take these steps to make a confident choice:
Begin by evaluating whether you need coverage for appliances, systems or a mix of both. If your home’s HVAC, electrical and plumbing are older, a systems plan may be wise. Newer homes with aging appliances might benefit from appliance-only coverage.
A combo plan provides the widest safety net, especially for families wanting both higher limits and more items protected.
In Indiana, older homes in areas like Gary or Fort Wayne often have aging electrical and plumbing systems that benefit from system-heavy coverage. On the other hand, newer homes around Indianapolis or Carmel may only need appliance protection. Because Indiana winters can be harsh, it’s smart to ensure heating systems are fully covered.
When comparing home warranty prices, don’t just look at the monthly premium. Add the service fees, which usually fall between $75 and $150 per visit, as these impact your total out-of-pocket cost. Also check for coverage caps and the cost of add-ons, like roof leak or sump pump protection, which can quickly change your yearly costs.
Indiana home warranty costs are near the national average with variation based on location and age. Older industrial areas may have higher costs, while rural areas may face higher costs since there are fewer technicians.
Always read sample contracts before signing up. Watch for exclusions such as preexisting conditions or cosmetic damage and clarify the waiting period, cancellation policy and what’s required to file a claim. This is the best way to avoid surprises on what’s actually covered.
Julian in Crown Point was frustrated when his service was delayed due to a maintenance clause. He made a claim on his A/C unit that needed a replacement motor, but said, “It required me to first hire someone independently to clean the unit. Unfortunately, I had to arrange and pay for this service myself, delaying the entire process.”
When reviewing contracts, check freeze damage exclusions carefully. Verify HVAC coverage for both heating and cooling. If you're in a flood-prone area, ensure sump pump and water damage coverage is available.
Customer reviews reveal the real experience with each provider. Look for trends in feedback about claim approval speed, contractor professionalism and whether service fees are as advertised. Reviews are invaluable for spotting patterns of denied claims or slow repairs.
Look for Indiana reviews mentioning winter response times and furnace claims. Urban Indianapolis reviewers may report different experiences from rural Indiana. Pay attention to water damage claim patterns.
Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.
The average annual cost of a home warranty is $684 in premiums, as of June 2025. In Indiana, you can expect to pay between $360 and $1,080 in annual premiums depending on your selected plan, add-ons and provider.
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
Cinch Home Services | Get a Quote | $38.99 to $66.99 | $100, $125 or $150 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
Select Home Warranty | Get a Quote | $60.42 to $63.75 | $75 to $100 |
Most home warranty companies let you pay either monthly or annually. Paying monthly gives you flexibility, while annual payments often come with discounts or bonus months.
For each claim, you pay a service call fee, similar to a deductible, which typically ranges from $75 to $150 per visit. This cost is paid directly to the technician at the time of service.
Customizing your plan with add-ons, like pool or sump pump coverage, usually costs from $2 to $25 per month per item.
A few elements affect what you’ll pay for a home warranty:
Example: total annual home warranty costs
- Heating and plumbing focus plan ($50 per month): $600 per year
- Add-on for sump pump coverage ($10 per month): $120 per year
- Four claims ($95 service fee): $380
- Total: $1,100 per year
Coverage under a home warranty generally falls into three categories: appliance-only, systems-only and combo plans that blend both.
Optional add-ons are available to tailor coverage. In Indiana, consider add-ons for sump pump coverage, roof leak repair and well pump protection if you're in a rural area.
Your savings from a home warranty depend on what breaks and what’s covered. Often, a single repair or replacement can pay for the plan itself.
The Consumer Financial Protection Bureau recommends budgeting 1% to 3% of your home’s value annually for repairs and maintenance — usually much more than the $700 to $1,200 you’d pay for a warranty plus a few service fees. If you avoid just one major repair, you could save thousands.
Indiana's freeze-thaw cycles and water damage risks create predictable failures. Older industrial city homes have aging systems prone to breakdown, and winter furnace failures and frozen pipes are common. Here's what repairs typically cost in Indiana without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
A home warranty is basically a contract that covers repairs or replacements of your home’s systems and appliances. You pay a monthly or annual fee and a service fee whenever you request a repair.
When you file a claim, the provider sends a technician to diagnose and fix the problem. If the item can’t be repaired, the company may contribute toward a replacement. Each plan has its own set of covered items and coverage caps.
A home warranty can be worthwhile if you want to avoid paying large, unexpected repair bills. In Indiana, the risk of furnace breakdowns or water damage from weather extremes makes coverage especially valuable, particularly for those in older homes.
Most home warranty plans exclude preexisting issues, improper installation, cosmetic flaws and items currently under a manufacturer’s warranty. Regular maintenance, lawn care and structural repairs are not included either.
Some plans exclude freeze damage, and sump pump failures are often excluded unless added. Wells and septic systems are excluded from standard plans. Older homes may have preexisting condition limits. Check carefully.
Coverage limits also apply. For example, your well pump coverage might be capped at $1,400 per year. Should the pump burn out and replacement runs $2,150, you'd owe $750 out of pocket, in addition to the service fee.
Unlike homeowners insurance, a home warranty isn’t a requirement for taking out a mortgage. Home warranties cover various home appliances and systems in the event they break down due to regular use; homeowners insurance, on the other hand, covers your property and belongings if they’re destroyed in an accident (like a fire or bad weather).
Typically, the seller pays for the home warranty if it's offered as part of the contract. However, if the seller doesn’t offer a warranty, it's up to the buyer to purchase the coverage they want. If you’re already a homeowner, you’d typically pay for your own coverage.
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Indiana, then evaluated which performed best for local residents.
We prioritized real customer experiences in Indiana but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:
In addition to reviews, we compared the companies on:
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Cinch Home Services
| 4.1
12,243 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
|
American Home Shield
| 3.7
109,264 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
73,419 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
Select Home Warranty
| 3.6
15,984 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Prestige Home Guard
| 5.0
6 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Liberty Home Guard
| 4.4
1,422 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
ARW Home
| 4.3
2,775 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
HomeSafe
| 4.2
457 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
First American Home Warranty
| 4.1
8,886 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
Regency Total Warranty
| 4.1
1,025 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
First Premier Home Warranty
| 1.8
628 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Achosa Home Warranty
| 1.8
View profile
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
HomeServe
| 1.5
2,044 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
ServicePlus Home Warranty
| 1.4
1,948 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
GE Service Contracts
| 1.3
331 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
America's Preferred Home Warranty
| 1.4
12 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
365 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
Home Warranty of America
| 1.1
4,026 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,706 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
HSA Home Warranty
| 1.1
312 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
Super
| 1.0
429 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
The Home Service Club
| 1.0
816 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
Frontdoor
| 1.2
24 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
AFC Home Warranty
| 1.0
2,277 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
American Home Protect
| 1.0
133 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Home Warranty Inc
| 1.0
17 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. |
