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Best Home Warranties in Indiana

We compared 12 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(69,808)
    • American Home Shield
      3.8(106,659)
    • Cinch Home Services
      4.1(11,918)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Indiana

    If you’ve been thinking about getting home warranty coverage in Indiana but aren’t sure where to start, we can help. According to our analysis, Choice Home Warranty is the best company in the Hoosier State for quick repair service. American Home Shield and Cinch Home Services are also great options.

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    Our top 3 Indiana home warranty picks

    1. Quick service: Choice Home Warranty
    2. Value: American Home Shield
    3. Simple claims process: Cinch Home Services

    We’ve selected the top home warranty companies in Indiana by analyzing customer reviews and ratings and comparing brands on availability, price, coverage and other factors.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

    Buyers Choice Award Finalist

    Choice Home Warranty

    Choice Home Warranty
    4.0
    69,808 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Get a Quote Read Reviews

    Choice Home Warranty offers 2 plans specialized to your needs. Depending on what type of coverage you choose, you can expect to pay $49.17 to $57.50 monthly or $532 to $627 annually.

    Many customers in Indiana appreciate that Choice Warranty provided prompt and efficient service for various repair issues, including a leak in the laundry room and a malfunctioning garbage disposal. They often say the technicians are knowledgeable and professional, explaining the problems and providing solutions.

    Marylou from Crown Point said about her experience with her technicians: “Best decision we made last summer 2023. Since Easter 2024 we have had USA Plumbing and a top notch service technician by the Name of Darrell or Darren who installed a new back up sump and back yesterday to fix our fountain leak in our upstairs toilet. Caring, smart, knowledgeable and also personable employee.”

    Donna from Fort Wayne was also pleased with her tech, as well as Choice’s response time: “I was very impressed that I was contacted the same day I called to set up an appointment for the very next day! The gentleman explained the problem, fixed it in 5 minutes and job was completed. Thank you CHOICE WARRANTY. Young man was very personable and informative. Good Job!”

    Some Choice Home Warranty customers in Indiana mentioned delayed responses and a lack of communication from American Home Shield.

    Derek of Indianapolis “liked the idea” of having a home warranty, but he reported “a dreadful experience at every turn with Choice.” He said he was “routinely denied legitimate claims” and that “repairs when authorized took forever to schedule and complete. ... Much cheaper to just pay for your own repairs.”

    2025 Buyers Choice Award Winner

    American Home Shield

    American Home Shield
    3.8
    106,659 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews

    American Home Shield has 3 different plans that cover up to 24 systems and appliances combined. In the event the company has to schedule service at your home for a covered appliance or system, you’ll be charged a service call fee of $100 or $125. It’s available in 48 states, including Indiana.

    Customers in Indiana overall say they’ve had positive experiences with American Home Shield. They frequently report that the claim submission process is easy and convenient via phone or online and that technicians typically respond promptly to service requests.

    Bruce of Indianapolis, who called American Home Shield “fantastic,” said: “Their price is reasonable as well. Recently, we had an air conditioning unit that went out and they replaced it. The whole process took a little bit longer on my part as I've been in the process of remodeling my home. So, I had to deal with financing. But overall, it took a very short time. The contractors worked with us very well and I can't say enough good things about Derek, the dispatcher and manager from Speedy Heating and Air Conditioning.”

    Another reviewer from Indianapolis, David, worked with AHS when his microwave quit: “The techs got out within a day. Everything was good. They diagnosed the problem and got the parts mailed here. After the parts got mailed, the tech showed up and got it going again.”

    A few Indiana customers mention delayed response and lack of communication from American Home Shield.

    One reviewer said they might leave AHS and go with another company: “Every time I have something done, American Home Shield finds somebody or does it the cheapest way as possible. I had the hot water heater go bad recently and instead of replacing it with the original model, they went out and they put me on hold for five days, and I had to wait with the water heater leaking. They found a cheaper model to put in and that's not right.”

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    2025 Buyers Choice Award Winner

    Cinch Home Services

    Cinch Home Services
    4.1
    11,918 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Get a Quote Read Reviews

    Cinch Home Services offers 3 home warranty plans. It’s available in 48 states, including Indiana. If you opt for combined coverage, up to 22 of your appliances and systems will be covered.

    “You spend money a bit having it but then you save money. If something goes out, they'll fix it and replace it if necessary so that's pretty good. TotalProtect has worked out all right. They've helped with the washer and dryer. They check and clean our heater and air conditioner once a year too. Filing a claim is easy. We just make an appointment and they let us know when they're coming. It's nice because we usually have the same guy.”
    Kathy La Porte, IN

    Some Indiana customers have expressed dissatisfaction with Cinch Home Services, citing issues with expensive plans, difficulty reaching customer service, long wait times for repairs and unhelpful contractors.

    Pamela from Alexandria was not happy with her experience. She told us: “I had a furnace that was not working. The outside temperature was in the 30's. I contacted Cinch warranty they said they had no one to service my area. ... After three calls they finally said they would send someone in one month.” After paying out of pocket for a repair, she submitted a claim: “I had purchased this home and had two inspections prior to the purchase stated it was in good working order. Cinch stated the furnace was not in good working order and refused to pay.”

    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process

    Home Warranties in Indiana Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    American Home Shield logo
    Cinch Home Services logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      If you’re shopping for a home warranty in Indiana, it’s important to consider the specific needs of your home based on its age and the climate. For more options beyond our picks above, check out the top home warranty companies in the nation to see which have the best coverage for you.

      Key insights

      In Indiana, home warranty costs generally range from $30 to $99 monthly, depending on the plan and company.

      Jump to insight

      Due to Indiana's diverse weather, you’ll probably want to look for home warranty plans that include robust HVAC coverage.

      Jump to insight

      While Indiana doesn't have specific home warranty laws, the Indiana Department of Insurance informally regulates companies, requiring a backup insurance policy. You can file complaints with the Federal Trade Commission (FTC).

      Jump to insight

      How much does a home warranty cost in Indiana?

      The national average cost for a home warranty is $350 to $900 per year as of July 2025, but how much you’ll end up paying depends on the norm in your part of Indiana, as well as the company and plan you choose. Home warranty companies sometimes offer ways to save, like bundling plans or opting for a higher service call fee.

      Home warranty costs at a glance

      To gather the cost estimates below, we received quotes for several tiers of coverage from 22 home warranty companies.

      How to choose a home warranty company in Indiana

      Indiana experiences a wide range of weather conditions, from hot summers to cold winters, which can put stress on your home’s systems and appliances. Towns like Indianapolis, Fort Wayne and Bloomington can see significant temperature swings, meaning a warranty with HVAC coverage might be a smart idea.

      Another important factor is the reputation and reliability of the home warranty provider. From South Bend to Carmel, homeowners should research and compare different companies to find one with positive reviews and a solid track record.

      Look for providers that offer comprehensive plans with reasonable coverage limits and affordable service fees. Customer service is key, so choose a company known for responsive and efficient handling of claims. Reading reviews from local homeowners can provide insight into the provider’s reliability and customer satisfaction in Indiana.

      How are home warranties regulated in Indiana?

      Usually, the regulation of home warranties falls under the jurisdiction of the Indiana Department of Insurance (IDOI). Indiana doesn't have a specific law for home or appliance service contracts, though. In the past, the Indiana Department of Insurance (DOI) ruled that these programs don’t need to follow insurance laws — however, the companies are informally regulated by an old rule that requires these programs to have a backup insurance policy.

      If you would like to file a complaint against a home warranty company in Indiana, your best bet would be to contact the Federal Trade Commission (FTC).

      FAQ

      Is a home warranty worth it in Indiana?

      A home warranty is worth it to many homeowners for peace of mind, but this depends on your financial situation, the state of your appliances and several other factors. If a repair or replacement for a home system or appliance could break you, it might be worth shelling out the monthly payment for coverage.

      What’s the difference between a home warranty and homeowners insurance?

      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).

      Who typically pays for a home warranty?

      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.

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Indiana, we started with the popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Indiana. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money by not paying for coverage you don’t need. We checked to see what customization options each company offered, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.
      Guide sources

      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:

      1. IN.gov, “Indiana Department of Insurance.” Accessed July 7, 2025.

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