Best 7 Home Warranty Companies in Evansville, IN
- Fact Checked
- Updated 2024-06-22 00:00:00
Homeownership in Indiana brings its fair share of repairs and maintenance. From hot, humid summers to snowy winters, Hoosier State homes can experience extreme weather. Many homeowners in Indiana get a home warranty to protect themselves from expensive repairs and replacements.
But with so many options, narrowing down the best ones can be difficult. To make the decision easier, we've assembled a list of the best home warranty providers in Evansville, Indiana.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
7 Best Home Warranty Companies in Evansville
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
First American Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Allows you to choose your service call fee
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- Accepts 24/7 service calls
- Offers replacement of some covered items that are too damaged to repair
Cons
- Doesn’t let customers choose their own contractor
- Charges higher for coverage compared to other providers
39 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Evansville
- Average Max Temperature:65°F
- Average Min Temperature:48°F
- Average Annual Snowfall:8.0”
- Homeownership Rate:65%
- Median Home Size:1,746 sqft
- Median Home Price:$183,283
Are Home Warranties Worth It for Evansville Residents?
Yes, home warranties are valuable for Evansville residents. Evansville summers can get hot, which makes it important to have a reliable air conditioner. However, over time this system can malfunction from heavy use.
Evansville winters can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.
Evansville's heavy rain can cause damage to your roof. Some home warranty companies offer limited roof-leak coverage, which can ease the financial burden of roof repair.
Lastly, a home warranty connects you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can give you peace of mind that someone reliable will handle your problem.
What To Consider Before Choosing a Home Warranty Company
Think about the following factors when selecting the best home warranty for your needs.
Cost
We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Add-on coverage options increase your monthly price, so consider your specific needs before purchasing a plan.
Coverage
You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Most home warranties only cover normal wear and tear, which excludes improper installation and preexisting conditions. Most policies also exclude appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline limitations and exclusions within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.
Provider Reputation
Also, consider provider reputation. You can also browse real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Reviews and ratings can show how a company handles customer service and claims. Check with the Indiana Consumer Protection Division to verify a provider's state license.
Contractor Network
Take into account a home warranty company's network of service providers. Ask your provider where and how it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.
Frequently Asked Questions about Home Warranty in Evansville
No, Evansville doesn't require homeowners to have a home warranty. However, we recommend purchasing one, as it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time that would be otherwise spent searching for a reliable service technician.
Preexisting conditions are breakdowns or issues that a home appliance or system experienced before coverage began. Many providers won't cover preexisting conditions. You should purchase a home warranty policy when all your appliances and systems still work for full protection.
Evansville's best home warranty provider depends on your specific needs. Liberty Home Guard is a good choice if you require unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.
Yes, home warranties cover many home items other than common appliances and systems. For example, home warranties cover sump pumps, septic systems, pools and spas, stand-alone freezers, well pumps, and more. Providers normally cover these items as add-ons. Check with a company representative to see what add-ons are available.
Most home warranty companies have a waiting period of 30 days before coverage begins. This is to make sure any system and appliance breakdowns are the result of normal wear and tear rather than preexisting conditions. Home warranty providers won't cover an already broken item.
Homeowners insurance provides coverage for damage from possible hazards, such as due to natural disasters and accidents. In contrast, home warranties cover repairing and replacing home systems and appliances that stop working due to normal wear and tear.
More Home Warranty Resources
Sources
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