Best Home Warranty Companies in Kentucky (2024)

Updated: Jul 2, 2024

Written by Kristin Peters

Written by Kristin Peters Contributor

Kristin Peters is a writer with over seven years of experience researching and writing about various consumer-focused topics such as home warranties, insurance and pest control.

Edited by Veronika Jelenik

Edited by Veronika Jelenik Editor

Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services content, Veronika enjoys spending time with her friends and her Chihuahua, Beanie.

While homeowners insurance is undeniably important, it does not provide coverage for all potential issues that may arise in your home. A home warranty becomes essential if you lack the necessary savings to handle unexpected HVAC breakdowns and other essential system and appliance repairs. A comprehensive home warranty includes plumbing and electrical systems, kitchen and laundry appliances and more.

The MarketWatch Home Team has invested significant time researching the top home warranty companies and diligently examined company websites and home warranty reviews to identify the top providers in Kentucky. Below are our recommended choices for homeowners in the Bluegrass State.

Best Home Warranty Companies Best Cheap Home Warranty Companies How to Buy a Home Warranty Best Home Warranties for Mobile Homes

Why Trust Us?

Here’s a breakdown of how we reviewed and rated the best home warranty companies

Companies Reviewed

350

Quotes Collected

Rating Factors

2,000

Homeowners Surveyed

Compare the Best Home Warranty Companies in Kentucky

We thoroughly evaluated the major home warranties available in Kentucky, taking into account crucial factors such as monthly costs, service call fees, coverage options and more. Our team acquired quotes from each company, unveiling that a home warranty in Kentucky costs $53 per month or $644 per year for a single-family home under 2,000 square feet.

Company	Service Fee	Best For	Monthly Cost	BBB Rating	Visit Site
Our Top Pick Liberty Home Guard EXPLORE PLANS	$65–$125	Most Customer-Friendly	$50–$60	NR The BBB does not provide a company rating (indicated by "NR" or no rating) if it lacks insufficient information about a business or is conducting an ongoing review of its practices.	EXPLORE PLANS
American Home Shield EXPLORE PLANS	$100–$125	Most Experienced	$30–$80	B	EXPLORE PLANS
Select Home Warranty EXPLORE PLANS	$75-100	Most Budget-Friendly	$45–$50	B	EXPLORE PLANS
Elite Home Warranty EXPLORE PLANS	$100	Most unique add-ons	$50–$80	A+	EXPLORE PLANS
AFC Home Warranty EXPLORE PLANS	$75–$125	Most Coverage Options	$35–$55	B	EXPLORE PLANS
First American Home Warranty EXPLORE PLANS	$75–$125	Our pick for appliance coverage	$45–$70	B	EXPLORE PLANS

Company	BBB Rating	Service Fee	Best For	Monthly Cost	Visit Site
Our Top Pick Liberty Home Guard EXPLORE PLANS	NR The BBB does not provide a company rating (indicated by "NR" or no rating) if it lacks insufficient information about a business or is conducting an ongoing review of its practices.	$65–$125	Most Customer-Friendly	$50–$60	EXPLORE PLANS
American Home Shield EXPLORE PLANS	B	$100–$125	Most Experienced	$30–$80	EXPLORE PLANS
Select Home Warranty EXPLORE PLANS	B	$75-100	Most Budget-Friendly	$45–$50	EXPLORE PLANS
Elite Home Warranty EXPLORE PLANS	A+	$100	Most unique add-ons	$50–$80	EXPLORE PLANS
AFC Home Warranty EXPLORE PLANS	B	$75–$125	Most Coverage Options	$35–$55	EXPLORE PLANS
First American Home Warranty EXPLORE PLANS	B	$75–$125	Our pick for appliance coverage	$45–$70	EXPLORE PLANS

No results were found.

Top 5 Best Home Warranty Providers in Kentucky

Here are the top home warranty companies in Kentucky:

Liberty Home Guard: Most customer-friendly
American Home Shield: Most experienced
Select Home Warranty: Budget-friendly
Elite Home Warranty: Most unique add-ons
America’s First Choice Home Warranty: Most coverage options

Liberty Home Guard

Most Customer-Friendly

4.5

Our Review

Monthly Cost $50.19 Service Fee $65–$125 State Availability 50

Why we picked Liberty Home Guard

Why we picked Liberty Home Guard

Of the service providers we reviewed, Liberty Home Guard (LHG) is the most accessible for feedback. LHG sends customers a survey link via email after signing up or filing a claim, making it easy to provide feedback. You can file claims online or over the phone and contact customer service 24/7. You can also track claims and pay service fees online.

Pros and Cons

Pros Creates flexible coverage with a selection of 38 add-ons Offers live chat and 24/7 phone support Guarantees repairs for 60 days Cons Does not specify service call fees in online quotes Charges higher rates than many providers

Plans and Coverage

You can customize your Liberty Home Guard coverage with three plan options: Systems Guard, Appliance Guard and Total Home Guard. Compare each plan’s coverage below.

Coverage	Appliance Guard	Systems Guard	Total Home Guard
Air conditioning	–	✓	✓
Built-in microwave ovens	✓	–	✓
Ceiling and exhaust fans	✓	–	✓
Clothes dryer	✓	–	✓
Clothes washer	✓	–	✓
Dishwashers	✓	–	✓
Ductwork	–	✓	✓
Electrical	–	✓	✓
Garage-door openers	✓	–	✓
Garbage disposals	✓	–	✓
Heating	–	✓	✓
Plumbing	–	✓	✓
Ranges/ovens/cooktops	✓	–	✓
Refrigerator with ice maker and display	✓	–	✓
Water heaters	–	✓	✓

Liberty Home Guard offers the following add-on coverages:

Limited roof-leak
Septic system pumping
Stand-alone freezer
Sump pump
Ice maker (in-fridge)
View a complete list of add-ons in our full review

Cost

Liberty Home Guard lists a $90 per-claim fee in its sample home warranty agreement. However, its service call fees vary depending on location, home size and other factors. Your service call fee will be listed in your service contract. Compare sample monthly premiums below.

Plan	Monthly Cost
Systems Guard	$49.99
Appliance Guard	$54.99
Total Home Guard	$59.99

Company Comment

Note: As of April 2024 Liberty Home Guard is under review by the BBB for complaints related to its claims process, customer service and sales tactics. As of the time of this writing, the company does not hold a rating with the BBB. The company provided our team with the following statement regarding its rating:

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale, said David Moreno and Ben Joseph, co-CEOs and co-founders of Liberty Home Guard. “Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low, fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

American Home Shield

Most Experienced

4.6

Our Review

BBB Rating B Monthly Cost $42.31 Service Fee $100–$125

Why we picked American Home Shield

Why we picked American Home Shield

Generous coverage limits and customizability make American Home Shield (AHS) our top choice for Kentucky home warranty plans. Plans that include home appliance coverage have either a $3,000 or $6,000 limit per appliance, and AHS sets no limit for the built-in home systems covered by any plan. Further, customers can choose from three service call fees and corresponding monthly premiums.

Pros and Cons

Pros Gives customers a pricing flexibility with a choice of three service call fees Does not require maintenance records for covered items Covers improper installations, repairs and modifications Cons Only offers a 30-day workmanship guarantee for repairs Offers fewer coverage add-ons than some competitors

Plans and Coverage

American Home Shield offers three different coverage plans: ShieldSilver, ShieldGold and ShieldPlatinum. Compare each plan’s coverage below.

Coverage	ShieldSilver	ShieldGold	ShieldPlatinum
Air conditioners	✓	✓	✓
Built-in exhaust/vent/attic fans	✓	✓	✓
Built-in microwave ovens	–	✓	✓
Ceiling fans	✓	✓	✓
Clothes dryers	–	✓	✓
Clothes washers	–	✓	✓
Dishwashers	–	✓	✓
Doorbells and chimes	✓	✓	✓
Ductwork	✓	✓	✓
Faucets and valves	✓	✓	✓
Garage-door openers	✓	✓	✓
Garbage disposals	–	✓	✓
Heating units	✓	✓	✓
Instant hot/cold water dispensers	–	✓	✓
Interior electrical lines	✓	✓	✓
Interior plumbing lines	✓	✓	✓
Main breaker and fuse panel box	✓	✓	✓
Ranges/cooktops	–	✓	✓
Refrigerators	–	✓	✓
Roof-leak repairs	–	–	✓
Ovens	–	✓	✓
Toilets	✓	✓	✓
Water heaters	✓	✓	✓
Whirlpool tub motor and components	✓	✓	✓

American Home Shield offers the following add-on coverages:

Electronics protection plan
Guest unit
Pool or spa
Septic pump
Well pump
View a complete list of add-ons in our full review

Cost

American Home Shield offers customers a choice of three service call fees: $75, $100 or $125. Reducing your service fee by $25 increases your monthly premium by $10. Cost data in this article is based on quotes we obtained for a 2,000-square-foot, single-family home in Richmond, Ky. Compare sample monthly costs for each plan below.

Plan	Monthly Cost
ShieldSilver	$29.99
ShieldGold	$49.99
ShieldPlatinum	$79.99

Select Home Warranty

Most Budget-Friendly

4.5

Our Review

BBB Rating B Monthly Cost $44.45 Service Fee $75-100

Why we picked Select Home Warranty

Why we picked Select Home Warranty

Select Home Warranty stands out for its affordable plans and generous discounts. The company regularly offers special perks for new customers, such as two months of free coverage. Customers can save even more by signing up for a multi-year policy or paying annually instead of monthly. Service fees vary by location but fall within an affordable range.

Pros and Cons

Pros Offers a $150 discount for paying annually Pays for an unlimited number of repairs on covered items Does not require a home inspection Cons May require multiple service fees for some repairs May request maintenance records before paying a claim

Plans and Coverage

Customers can choose from three Select Home Warranty plans: Bronze Care, Gold Care and Platinum Care. Compare each plan’s coverage below.

Coverage	Bronze Care	Gold Care	Platinum Care
AC/cooling	–	✓	✓
Built-in microwave	✓	–	✓
Ceiling fan	–	–	✓
Clothes dryer	✓	–	✓
Clothes washer	✓	–	✓
Cooktop	✓	–	✓
Dishwasher	✓	–	✓
Ductwork	–	✓	✓
Electrical system	–	✓	✓
Garage-door openers	–	–	✓
Garbage disposal	✓	–	✓
Heating system	–	✓	✓
Plumbing stoppages	–	–	✓
Plumbing system	–	✓	✓
Refrigerator	✓	–	✓
Stove/oven	✓	–	✓
Water heater	–	✓	✓

Select Home Warranty offers the following coverage add-ons:

Lawn sprinkler system
Stand-alone freezer
Septic system
Sump pump
Well pump
View a complete list of add-ons in our full review

Cost

Select typically charges a service call fee of $75, but you could get a fee as low as $60 if you sign up for a plan over the phone. Compare sample monthly costs for each plan below.

Plan	Monthly Cost
Bronze Care	$44.42
Gold Care	$44.42
Platinum Care	$47.75

Elite Home Warranty

Most unique add-ons

4.8

Our Review

BBB Rating A+ Monthly Cost $49.99 Service Fee $100

Why We Picked Elite Home Warranty

Why We Picked Elite Home Warranty

Elite Home Warranty is another option for homeowners looking for a provider with more extensive coverage, however, the company uses aggregate coverage limits. Elite includes up to $7,000 in aggregate coverage for appliances and up to $8,000 in combined protection for systems — although many items include a lower individual limit. For example, washers and dryers have a coverage limit of $1,000, which counts toward the overall $7,000 limit for appliances.

Elite also offers coverage on 25 specific items, a potential benefit for Kansas homeowners who desire customization.

Our Ratings

Pros and Cons

Pros Offers emergency and weekend service Larger selection of add-ons than some competitors High aggregate coverage limits Cons Pricing is more expensive in Kansas than some other options Does not allow you to use your own technician

Coverage and Cost

Elite Home Warranty has three plans for Kansas homeowners, each of which includes a $100 service fee:

Elite Appliances ($50): Covers a built-in microwave, ceiling fans, washer, dryer, dishwasher, garbage disposal, oven, range, cooktop and refrigerator
Elite Systems ($60): Covers your air conditioning system, heating system, electrical system, garage door opener, water heater and plumbing system, including stoppages
Elite Complete ($80): Covers all items on the appliances and systems plans

You can also upgrade your coverage with any of the following add-ons:

Annual maintenance
Central vacuum
Drainage and sewer lines
Effluent pump
Ejector pump
Freestanding freezer
Freestanding ice makers
Freestanding spa equipment
Generator
Geothermal heating and cooling systems
Grinder pump
Guest house
Jetted and hot tubs
Lawn sprinkler system
Lift pump
Limited roof-leak repair
Pool and spa equipment
Pool equipment
Premium appliances
Premium benefits
Premium systems (with the option to add extended coverage)
Septic system
Sump pumps
Water softener
Well pump
Wine coolers

AFC Home Warranty

Most Coverage Options

4.5

Our Review

BBB Rating B Monthly Cost $35.18 Service Fee $75–$125

Why we picked AFC Home Warranty

Why we picked AFC Home Warranty

With four plans and three service fees, America’s First Choice Home Warranty (AFC Home Warranty) offers more coverage options than its competitors. Some coverages included in its Platinum Plan are also available as add-ons for lower-tier plans. Further, the company offers more than 10 add-on coverages and allows customers to choose their own service call fees.

Pros and Cons

Pros Guarantees parts and labor for the duration of your plan Offers four plans and three service fee options Allows customers to choose their own technicians Cons Does not cover unknown preexisting conditions Charges a $75 fee to cancel after the first 30 days

Plans and Coverage

AFC Home Warranty has four protection plans: Systems Plan, Silver Plan, Gold Plan and Platinum Plan. Compare each one’s coverage below.

Coverage	Systems Plan	Silver Plan	Gold Plan	Platinum Plan
Air conditioning	✓	–	✓	✓
Built-in microwave	–	–	–	✓
Clothes dryer	–	✓	✓	✓
Clothes washer	–	✓	✓	✓
Dishwasher	–	✓	✓	✓
Ductwork	✓	–	✓	✓
Electrical system	✓	–	✓	✓
Faucets	–	–	–	✓
Garage-door opener	–	✓	✓	✓
Garbage disposal	–	✓	✓	✓
Heating system	✓	–	✓	✓
Ice maker	–	–	–	✓
Oven/range/cooktop/stove	–	✓	✓	✓
Plumbing stoppages	–	–	–	✓
Plumbing system	✓	–	✓	✓
Refrigerator	–	✓	✓	✓
Water heater	✓	–	✓	✓

AFC Home Warranty also offers the following coverage add-ons:

Electronics
In-ground pool
Septic system
Stand-alone freezer
Roof-leak repair
View a complete list of add-ons in our full review

Cost

AFC Home Warranty customers can set their service call fees at $75, $100 or $125. The company offers a $50 annual discount to those who pay their entire premium up-front and applies a 16% discount to three-year plans. Compare sample monthly costs below.

Plan	Monthly Cost
Silver Plan	$34.33
Gold Plan	$48.50
Platinum Plan	$53.17

How To Choose a Home Warranty Company in Kentucky

Researching local customer reviews, prioritizing your coverage needs and evaluating costs can help you choose a home warranty company.

Research Local Customer Reviews

While our top picks for home warranty companies operate nationwide, some companies may have local offices in Kentucky, which can enhance your overall experience. Reading local reviews on sites like the BBB and Trustpilot can provide valuable insights into customer satisfaction levels specific to your area, including the contractors each company uses in your area.

Evaluate Monthly Costs and Service Fees

If you base your home warranty selection on cost, remember that the cheapest home warranty plan may not be the best. Budget plans may include more coverage limitations and exclusions.

Carefully review each plan based on its terms, exclusions and service fees. Choose a plan that offers enough coverage for the essential items and services you need. For example, if you have an older home, you may want more comprehensive coverage for older appliances that could break down.

Consider Local Weather

When evaluating home warranty options, consider factors unique to Kentucky. The state’s climate may require attention to certain systems — like your air conditioners. Purchasing extended coverage for HVAC can offer protection in case of system breakdowns during hot and humid summers.

Home Warranty Annual Cost Calculator

The MarketWatch Guides Team developed a calculator that analyzes the anticipated yearly expenses associated with owning a home warranty in Kentucky. To determine your projected annual cost, simply input your monthly premium, service call fee and estimated number of claims. We recommend getting quotes from our top providers directly, as prices vary by plan, location and home size.

Home Warranty Cost Calculator

Type of Home Warranty PlanComprehensive plans cover both appliances and systems.

Claims Per YearAccording to our survey, 1 of every 3 policyholders file at least one claim per year.

What Service Fee Are You Comfortable With?Service Fees typically range from $75-$150. Choosing a lower service fee will result in high monthly costs.

Your Annual Cost Estimate Estimates are based on the average cost of a home warranty. This is an estimate, NOT an official quote.

The calculators used on this website are being provided for educational purposes only. Data will not be collected or stored. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.

Best Home Warranty Companies by State

Are you not looking for a home warranty in Kentucky? Select your state below to find the best home warranty.

The Bottom Line: Which Is the Best Home Warranty Provider for You?

American Home Shield is our top choice for Kentucky homeowners due to its comprehensive coverage and affordable premiums.

If the monthly premium cost is your primary concern though, consider Select Home Warranty for its affordable coverage and discounts. Liberty Home Guard is the most receptive to feedback and has the longest list of add-on coverages. First American’s First Class Upgrade may be the most valuable add-on available, and AFC Home Warranty provides the most coverage options with its four base plans.

Even if one company seems the obvious choice for your situation, we recommend comparing quotes from at least three providers. When weighing the pros and cons of each company, compare not only their pricing but also their limits, exclusions, claims process and other key features.

Frequently Asked Questions About Home Warranties

Although most home warranties are purchased during or immediately after a real estate transaction, it is never too late to buy a home warranty. Just remember that many warranties do not cover preexisting conditions. If a system or appliance breaks down before you purchase a warranty, you will be stuck paying for the repairs or replacement in full.

No, home warranties are not the same as homeowners insurance. Generally, home warranties cover service, repair or replacement for major appliances or home systems when they break down due to normal wear and tear. Homeowners insurance covers damage from natural disasters and other unexpected events.

The two biggest benefits of a home warranty are peace of mind and financial protection. With a robust home warranty, you don’t need to worry about paying for expensive repairs out of pocket or finding qualified home service technicians. In most cases, your home warranty provider will arrange service on your behalf and cover the cost minus a predetermined service call fee.

Methodology: Our System for Ranking the Best Home Warranty Companies

Our team created a comprehensive rating system to rank providers based on objective factors. We researched each company by speaking with company representatives, reading sample contracts, and analyzing and comparing consumer reviews. We deepened our research by gaining homeowner insights through surveys and focus groups. After collecting data, we scored each provider based on what matters most to homeowners: plan options, cost, trustworthiness, customer service, state availability, additional benefits and coverage specifics. Here’s the breakdown of how we scored each home warranty company on our list:

Plan options (20%): Companies that offered at least three plan options and various add-on coverage scored the highest in this category.
Coverage details (20%): We rated companies both on their total number of home appliances and systems covered in their plans, putting more emphasis on the most essential systems like plumbing and air conditioning units.
Plan pricing (18%): Home warranty providers that had a service fee of $75 or less and offered combination plans for less than $50 a month earned the most points in this category.
Trustworthiness (14%): We evaluated the Better Business Bureau (BBB) rating, sample contract availability, workmanship guarantee and years in the industry to determine the trustworthiness of each company.
Customer service (16%): Home warranty companies that are available 24/7, 365 days a year, provide emergency services and offer customers at least two claim filing options earned the highest points in the customer service category.
Additional benefits (8%): Companies that offer a 30-day free cancellation period earned points in this category, and any additional coverage perks and exclusive benefits a provider offered earned it extra points.
State availability (4%): Providers that are available in all 50 states earned full credit for this category.

Our review methodology for home warranty companies is intended to provide a thorough overview of the best providers nationwide. To learn more, you can read our full home warranty methodology.

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides.com.

Kristin Peters Contributor

Kristin Peters is a writer with over seven years of experience researching and writing about various consumer-focused topics such as home warranties, insurance and pest control.

Veronika Jelenik Editor