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Best Home Warranties in Kentucky

We compared 13 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(69,288)
    • American Home Shield
      3.8(106,358)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Kentucky

    If you live in Kentucky and want a home warranty, it’s important to compare your options so you can get the best deal for the right coverage. To help, we compared top home warranty companies on ratings and reviews, price, coverage options, availability and other factors to choose our top picks for Kentucky.

    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.

    Our editor’s top picks

    1. Quick service: Choice Home Warranty
    2. Value: American Home Shield
    Why trust ConsumerAffairs?
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    • Our moderators read all reviews to verify quality and helpfulness.

    2 best home warranty companies in Kentucky, reviewed

    Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose two companies that offer the best plans for your money.

    Buyers Choice Award Finalist
    Choice Home Warranty
    Choice Home Warranty
    4.0
    69,288 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Get a Quote Read Reviews

    Choice Home Warranty provides coverage in 49 states (not Washington), including Kentucky. It offers 2 plans, with coverage for up to 18 appliances and systems combined.

    Customers in Kentucky appreciate the prompt and professional service provided by Choice Home Warranty technicians. They say they’re knowledgeable and friendly and that they communicate well with the customers. Customers report that Choice Home Warranty responds quickly to claims and keeps customers informed throughout the process.

    Francine from Louisville was impressed with how quickly her claim was processed: “I had an appointment scheduled for me the day I made contact. Mentioned I have asthma and technician came the next day.”

    Jeremy from Louisville has had consistently good experiences with Choice Home Warranty: “Using Choice Home Warranty for the past year and a half has given me peace of mind when covered items break down. I've had a few appliances break down during that time and each time, Choice Home Warranty has come through, quick and easy, to repair and if not feasible, will replace the appliances with a new one (of course, the current value of your old appliances to be business fair).”

    Some customers experience long wait times and delays in getting technicians to their homes. Some say the company provides unsatisfactory solutions to their problems.

    Holy from Cold Spring had an issue with her microwave: “Disappointed that the door latch on my 3 year old microwave. Was considered wear and tear. Microwave would not function without door being latched. I understand that everything is not covered. Staff was easy to work with. Repair service that was sent out did their best and made a temporary repair so that we could use the microwave.”

    2025 Buyers Choice Award Winner
    American Home Shield
    American Home Shield
    3.8
    106,358 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews

    American Home Shield offers 3 home warranty plans: ShieldSilver, ShieldGold and ShieldPlatinum. It’s available in 48 states, including Kentucky. If you opt for combined coverage, up to 24 of your appliances and systems will be covered.

    American Home Shield customers in Kentucky appreciate the convenience of having a home warranty and not having to search for repair companies themselves. Many customers have had their appliances and systems repaired or replaced by American Home Shield and are satisfied with the service provided.

    Shirley from Louisville has had a consistently good experience with American Home Shield: “It's good to know that I can call American Home Shield and they'll schedule a repairperson to come out. I pay a flat fee every month and they cover the rest within a certain amount. I like that, because I don't have anybody that I can call. It's hard to find somebody to do handy work these days, but with American Home Shield, I have assurance knowing that they send qualified people to do repairs.”

    Anthony from Elizabethtown found the claims process easy: “American Home Shield's claim process is pretty pain-free. I did one for an AC leak. I had to call them out two other times and the techs came right out. American Home Shield's contractor are professional. I would highly recommend them.”

    Some Kentucky customers mention occasional delays in service or issues with communication.

    Phillis from Louisville has had issues with delays in the past: “My sink was backed up. Once I got American Home Shield on the phone, it's not difficult. But sometimes, it's a long wait for them.”

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

    Home Warranties in Kentucky 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
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      How to choose a home warranty company in Kentucky

      When getting a home warranty in Kentucky, it's important to consider the specific needs of your home based on its location and the local climate. Kentucky has severe weather, like tornadoes and heavy rain, which can lead to power outages and damage to home systems.

      Kentucky has many charming older homes, especially in historic towns like Hodgenville and Frankfort. These homes often come with aging electrical systems and plumbing that might need more frequent repairs. Make sure your home warranty plan covers these specific needs to avoid unexpected repair costs and keep your home safe and functional.

      When choosing a home warranty in Kentucky, comparing different companies is a good idea. Focus on those with strong customer reviews and a solid track record. Look for comprehensive plans that offer reasonable coverage limits and affordable service fees. Excellent customer service is crucial, so pick a provider known for quick and efficient claim handling. Checking out local reviews can help you understand how well the provider meets the needs of Kentucky homeowners.

      How are home warranties regulated in Kentucky?

      The Kentucky Department of Insurance regulates home warranties. They control how a home warranty can run in the state. Some of the things covered by the department’s guidelines include:

      • When you can cancel your policy
      • When the home warranty can cancel your policy
      • Arbitration rules
      • Terms that must be included in the policy’s contract

      For example, the home warranty company’s contracts can’t “contain any inconsistent, ambiguous or misleading clauses, or exceptions and conditions which deceptively affect the risk purported to be assumed in the general coverage of the contract or contain any title, heading, or indication which is misleading, or be printed in a size of type or manner of reproduction so as to be substantially illegible,” according to the Kentucky Department of Insurance.

      You can file a complaint about a home warranty company operating in Kentucky on the Kentucky Department of Insurance’s website.

      FAQ

      How much does a home warranty cost?

      While the national average for a home warranty ranges from $450 to $600 per year as of publishing, these costs can vary. Factors like your location in Kentucky, the specific company and plan you choose and the availability of discounts (like for bundling or purchasing multiple years of coverage) all play a role in the final cost.

      Is a home warranty worth it in Kentucky?

      A home warranty can give you peace of mind, especially if the cost of unexpected repairs or replacements of major appliances and systems would strain your budget. The decision to purchase this type of coverage depends on factors like your financial situation, the age and condition of your home's appliances and systems and your personal risk tolerance.

      » MORE: Is a home warranty worth it?

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

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      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 Kentucky, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Kentucky. 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. Kentucky Department of Insurance, “Auto Guaranty and Home Warranty.” Accessed May 23, 2024.
      2. Kentucky Department of Insurance, “File a Complaint.” Accessed May 23, 2024.

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