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Updated: Sep 5, 2024, 10:58am
Reviewed By
| Updates Editor and Home ExpertWhen it comes to protecting your home in Kentucky, a reliable home warranty can offer peace of mind and financial security. After thorough research and surveying 1,000 homeowners nationwide, we’ve evaluated what truly matters to residents in the Bluegrass State.
In Kentucky, where weather extremes and varying home ages can lead to unexpected repairs, a home warranty can be a valuable asset. Our findings reveal that many Kentuckians prioritize quick response times and comprehensive coverage to address their specific needs.
Based on our extensive survey and analysis, we’ve determined our top picks for the best home warranty companies in Kentucky. These choices reflect a blend of reliability, customer satisfaction and robust coverage options designed to meet the unique demands of Kentucky homeowners.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. You can read more about our editorial guidelines and the home warranty companies methodology for the ratings below.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
Key Takeaways
| COMPANY | FORBES HOME RATING | PLANS AVAILABLE | SERVICE FEE | MONTHLY FEE | LEARN MORE |
|---|---|---|---|---|---|
| 4.7    | 4 | $75 - $125 | $36.83 - $152.20 | On AFC's Website | |
| 4.7 | 3 | $75 - $125 | $49.99 - $59.99 | On Liberty Home Guard's Website | |
| 4.5 | 3 | $100 - $125 | $29.99 - $79.99 | On American Home Shield's Website | |
| 4.5 | 3 | $100 - $150 | $30.99 - $44.99 | On Cinch's Website | |
| 4.3 | 3 | $55 | $45.99 - $84.99 | Read Forbes' Review |
The home warranty providers AFC Home Warranty, Liberty Home Guard and American Home Shield top our best home warranty in Kentucky list. AFC Home Warranty scored 4.7 out of 5 stars when reviewed against our methodology and stands out as the best overall choice. Known for its solid coverage options and responsive customer service, AFC Home Warranty delivers a reliable experience for Kentucky homeowners.
Best Overall
Best Overall
AFC Home Warranty
AFC Home Warranty stands out as our top choice for Kentucky homeowners due to its broad selection of coverage plans and flexible options. The company offers extensive protection beyond traditional home warranties, catering to a variety of needs. With customizable service fees and a wide range of add-ons, AFC Home Warranty delivers exceptional value for diverse homeowner requirements.
Learn more: AFC Home Warranty review
AFC Home Warranty earns our top spot due to its comprehensive range of coverage plans and versatile add-on options. Homeowners in Kentucky benefit from the flexibility of choosing between three service fee levels—$75, $100 and $125. With services available for both single-family homes and other types of residences, AFC Home Warranty adapts to various needs. Additionally, the option to select your own technician and the 24/7 service request lines enhance its appeal. Family emergency services and partner discounts add further value to some plans.
Why We Like It
AFC Home Warranty excels with its broad selection of coverage plans and flexibility. The ability to choose from three service fee levels and access to additional protections like family emergency services and partner discounts make it a standout option. The option to select your own technician and the promise of a 24 to 48-hour response time add significant convenience for Kentucky homeowners.
What We Don’t Like
Despite its many strengths, AFC Home Warranty could improve in a few areas. The $75 cancellation fee and prorated refund for early contract termination may be a downside for some customers. Additionally, while the company offers extensive coverage, mobile home protection is not available.
Who It’s Best For
AFC Home Warranty is ideal for Kentucky homeowners seeking comprehensive coverage with a variety of options. It’s especially suitable for those who need protection beyond standard single-family home coverage and value flexibility in service and plan choices.
You can add extra services and coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Silver | $36.83 – $67.15 | $75 - $125 |
Gold | $51.92 – $85.60 | $75 - $125 |
Platinum | $57.00 – $97.70 | $75 - $125 |
Diamond | $91.58 – $152.20 | $75 - $125 |
AFC Home Warranty receives a mix of feedback from its customers. On platforms like the BBB and Trustpilot, many users commend the company for its commitment to honoring service agreements and the efficiency of its technicians. Positive reviews often highlight how well AFC Home Warranty sticks to its promises and the promptness of its service.
Conversely, some customers have expressed frustration with coverage issues, particularly when it comes to full replacements or certain claims being denied. Despite these concerns, it’s noteworthy that AFC Home Warranty maintains a strong record of addressing customer complaints by responding to all claims filed with the BBB.
Best for Add-On Coverage
Best for Add-On Coverage
Liberty Home Guard
Liberty Home Guard shines as a top choice for Kentucky homeowners looking for extensive add-on coverage options. Known for its exceptional customer service and user-friendly online platform, Liberty Home Guard allows homeowners to tailor their plans with over two dozen add-ons. Its flexible coverage options and responsive service make it a reliable choice for comprehensive home protection.
Learn more: Liberty Home Guard review
Liberty Home Guard stands out with its impressive range of over two dozen add-on coverage options, making it easy for Kentucky homeowners to customize their plans. The company offers three main service plans, each with service fees ranging from $65 to $125. Liberty Home Guard’s high customer ratings cement its reputation for reliability and exceptional service.
Why We Like It
Liberty Home Guard excels with its extensive selection of add-ons and user-friendly digital platform. Customers appreciate the ability to personalize their coverage with a wide range of options and the ease of managing their plans online. The company’s high ratings and responsive customer service contribute to its strong reputation for reliability.
What We Don’t Like
While Liberty Home Guard offers robust service and extensive coverage, its plans can be more expensive than those of other providers. Some customers have reported limitations in coverage that may not be immediately apparent. Additionally, while you can choose your own contractor, the company prefers using its vetted technicians, and there is a $50 cancellation fee.
Who It’s Best For
Liberty Home Guard is ideal for Kentucky homeowners who value the flexibility of extensive add-on options and prefer managing their home warranty through a convenient online platform. It’s also suited for those who prioritize excellent customer service and are willing to invest a bit more for comprehensive coverage.
You can add extra services and coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99 | $65 - $125 |
Systems Guard | $54.99 | $65 - $125 |
Total Home Guard | $59.99 | $65 - $125 |
Liberty Home Guard garners a generally favorable reputation from its customers, with reviews spanning from three to five stars. Many users praise the company for its reliable service and the professionalism of its technicians, which suggests a solid level of satisfaction among its clientele.
However, some reviews reveal concerns, particularly regarding coverage. A few customers felt that certain repairs were not covered as expected, and there were complaints about slow response times and unexpected costs after repairs. These issues highlight that while the overall experience is positive, there are areas where the company could improve.
Best for Comprehensive Coverage
Best for Comprehensive Coverage
American Home Shield
American Home Shield stands out as a leading choice for Kentucky homeowners seeking comprehensive coverage. With over 50 years of experience, the company offers flexible plans that cover a wide range of home systems and appliances, including older and pre-existing items. Its competitive pricing and extensive coverage options make it a strong contender for those needing robust protection.
Learn more: American Home Shield review
American Home Shield earns top marks for its broad range of coverage options, with plans starting at under $30 per month and coverage limits up to $6,000 per item. The company’s three plan options offer extensive protection, including coverage for pre-existing conditions, code violations and rust and corrosion. Despite its competitive pricing, the service fee levels range from $100 to $125, and the company is available throughout the U.S., excluding Alaska and Washington, D.C.
Why We Like It
American Home Shield excels with its affordable pricing and high coverage limits, making it a valuable choice for Kentucky homeowners. Its plans provide extensive coverage, including often-overlooked areas like pre-existing conditions and code violations. The flexibility to choose your service call fee adds further customization, allowing you to manage costs effectively.
What We Don’t Like
While American Home Shield offers great value, some customers have reported higher costs upon renewal. Additionally, while there is an option to use personal technicians with pre-approval, the company primarily relies on its contractor network, which might limit choices for some homeowners.
Who It’s Best For
American Home Shield is ideal for Kentucky homeowners who need comprehensive coverage for a variety of home systems and appliances, especially those with older homes or existing issues. Its extensive protection and competitive pricing make it suitable for those seeking robust, all-inclusive home warranty solutions.
You can add extra services and coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
American Home Shield receives a range of feedback from its customers. On the positive side, many users appreciate the convenience of scheduling services and the promptness of coverage from both the company and its network of contractors.
On the other hand, there are concerns about extended wait times for repairs and occasional lapses in communication from customer service. These issues suggest that while the company excels in some areas, there are also aspects that could benefit from improvement.
Best for Workmanship Guarantee
Best for Workmanship Guarantee
Cinch Home Services
Cinch Home Services stands out as a top choice for Kentucky homeowners who value a strong workmanship guarantee. With options that include protection against rust, corrosion and even unknown pre-existing conditions, Cinch offers a comprehensive range of plans. The company’s notable 180-day workmanship guarantee and customizable service fees make it a standout in the home warranty market.
Learn more: Cinch Home Services review
Established in 1979, Cinch Home Services earns high marks for its extensive coverage options and commitment to quality. With two plans covering systems or comprehensive coverage, Cinch also offers several add-on services. Although service fees range from $100 to $150, higher than some competitors, the Complete Home plan provides robust protection at competitive prices.
Why We Like It
Cinch Home Services shines with its long-standing reputation and unique benefits, such as a $500 reimbursement towards a homeowner’s insurance deductible. The 180-day workmanship guarantee on repairs is a significant advantage, offering peace of mind that is not commonly found with other providers. Additionally, the ability to choose from various service fee levels allows homeowners to balance monthly premiums with per-visit costs.
What We Don’t Like
The higher service fees, ranging from $100 to $150, might be a concern for budget-conscious homeowners. Another drawback is the lack of flexibility in contractor choice, as customers must use Cinch’s vetted service providers rather than selecting their own. This might be a downside for those who prefer more control over who performs repairs in their home.
Who It’s Best For
Cinch Home Services is ideal for Kentucky homeowners seeking extensive coverage and value long-term guarantees. Those who prioritize a strong workmanship guarantee and are comfortable with higher service fees and fixed contractor options will find Cinch’s comprehensive plans particularly appealing.
You can add extra services and coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance | $30.99+ | $100 - $150 |
Built-in Systems | $35.99+ | $100 - $150 |
Complete Home | $44.99+ | $100 - $150 |
Cinch Home Services garners mixed reviews from its users, reflecting a common trend among home warranty providers. Positive feedback often highlights the company’s competitive pricing and the expertise of its customer service representatives. On the other hand, some customers express frustration over claim denials and delays in technician service. These mixed experiences indicate that while Cinch offers some strong points, there are areas where improvements could be made.
Best for Flexible Technician Choices
Best for Flexible Technician Choices
ARW Home
In Kentucky, ARW Home excels as the top choice for flexible technician options. Known for its customizable plans and transparent pricing, ARW offers homeowners the unique advantage of selecting their own licensed technicians or using the company’s vetted professionals. With competitive rates and versatile coverage, it stands out as a preferred choice for those valuing flexibility.
Learn more: ARW Home review
Homeowners in Kentucky can select from three coverage plans from ARW, all offering a simple service fee of $55. This straightforward pricing makes it easy to understand and manage your home warranty budget.
The standout feature is ARW’s flexibility in technician choices. You can opt for one of ARW’s trusted contractors or bring in your own licensed technician for repairs. This flexibility extends to a wide range of property types, including manufactured homes and condominiums. With prompt response times and the ability to choose between quarterly or annual contract terms, ARW offers a tailored approach to home warranty coverage.
Why We Like It
ARW Home’s transparent pricing, set at $55 for all service plans, simplifies budgeting. The flexibility to use either ARW’s technicians or your own licensed professionals is a significant advantage for Kentucky homeowners. Additionally, the option to select between quarterly or annual contract terms adds further customization to fit individual needs.
What We Don’t Like
While ARW offers considerable flexibility, its $49 cancellation fee could be a drawback for those seeking a more forgiving exit option. The lack of coverage for rental properties might also limit its appeal for those managing investment properties.
Who It’s Best For
ARW Home is perfect for Kentucky homeowners who prioritize flexibility in choosing their repair technicians and desire a customizable home warranty plan. Its transparent pricing and versatile coverage options make it an excellent choice for those seeking both flexibility and comprehensive protection.
You can add extra services and coverage for the following items and systems:
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ApplianceMax | $45.99 | $55 |
SystemsMax | $59.99 | $55 |
TotalMax | $84.99 | $55 |
Customer feedback on ARW Home reveals a range of experiences. On the positive side, many users appreciate the promptness and professionalism of ARW Home’s customer service representatives, often highlighting individual agents by name. The company’s quick turnaround on claims also earns praise. However, some customers express dissatisfaction with claim denials and report lengthy wait times for customer service, indicating that there are areas where ARW Home could improve.
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Choosing the right home warranty in Kentucky can be a bit of a journey, especially with the state’s diverse landscape. From urban centers like Louisville and Lexington to the more rural areas of the Bluegrass State, your home’s needs can vary greatly. Here’s a detailed guide to help you find a home warranty that meets your specific requirements and offers reliable protection tailored to Kentucky.
Naturally, you need a company that serves Kentucky. It can be a local or multistate company, but it must protect your area. This can be especially important for rural areas that even some companies with a Kentucky presence may not cover. Communicate with the company and ensure your home is inside its service area.
You want a warranty company that covers your appliances and systems. Depending on your needs, you may also benefit from additional coverage, like your roof. Carefully read through the company’s plans to ensure they cover your appliances and systems. After that, determine whether you need extra coverage for other elements of your home and ensure they cover those, too.
Ideally, a warranty company should contact you within 24 and 48 hours of you claiming your systems or appliances. Some companies may even reply sooner. Anything over 48 hours may feel too lengthy, especially if the malfunction affects your daily life.
Read online reviews to understand how a company works and how long it takes to respond.
The monthly cost or premium is the price of contracting the services of a home warranty company. In Kentucky, the monthly fee is typically $29 to $100. This premium depends on your property’s size, location, chosen plan and company.
Service fees cost $60 to $125 on average in Kentucky. Generally, you’ll have to pay this fee every time you make a repair claim, either when claiming or when the contractor arrives at your home. You want to spend the least possible on every repair claim but don’t want to pay less for a poorly done job.
Read up on the reliability of the company you’re considering and determine whether its service fee is worth it.
The company’s reputation among customers is essential when choosing a home warranty provider. Your chosen company should have a good reputation among current and past clients. Older companies tend to have a more established relationship and more customer reviews to read and learn how they work. Check reviews on sites like Google, Better Business Bureau, Yelp and Trustpilot.
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Home warranties in the U.S. have an estimated cost around $600 per year, but depending on the plan, the cost can range from as low as $275 to as high as $1,425 per year.
In Kentucky, they typically cost between $30 and $150 per month. Service fees in Kentucky range from $55 to $150 on average.
Plans with lower service fees equal a higher monthly premium, with higher service fees lowering this cost. Nonetheless, getting a home warranty is worth it for many homeowners.
Overall, a home warranty can be a practical investment for managing repair costs and protecting your home in Kentucky. Evaluating your specific needs, understanding the costs and reviewing the coverage options will help you determine if a home warranty is a worthwhile choice for you.
As far as Kentucky homes go, home warranties can be beneficial, especially ones that protect your AC system. Since the state experiences warm summers, you’ll want to ensure it’s covered. Home warranties may also be worth it in the state if you have an older home.
| ITEM | AVERAGE REPAIR COST | AVERAGE REPLACE COST |
|---|---|---|
| Air conditioner | $100 - $2,500+ | $3,875 - $7,825 |
| Furnace | $100 - $2,500+ | $2,800 - $6,800 |
| Electrical | $50 - $300+ | $3,000 - $18,000 |
| Plumbing | $200 - $4,000 | $3,000 - $16,000 |
| Roofs | $150 - $7,000 | $6,700 - $80,000 |
| Dishwasher | $100 - $300 | $250 - $2,000 |
| Refrigerator | $200 - $400 | $800 - $12,000 |
| Oven | $125 - $425 | $2,000 - $4,200 |
| Stove | $125 - $425 | $2,000 - $4,200 |
| Washer/Dryer | $100 - $475 | $1,000 - $2,300+ |
In Kentucky, home warranties are not classified as insurance but as service contracts, and they are subject to different regulatory standards. Understanding the regulations can help you navigate the purchase and use of home warranties effectively. Here’s a breakdown of how these warranties are regulated in Kentucky:
By consulting these resources, Kentucky homeowners can gain a clearer understanding of their rights and the regulatory framework governing home warranties in the state.
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Navigating the world of home warranties can be a bit overwhelming, but understanding local trends can make a huge difference. Recent research sheds light on how Kentuckians view their home warranties, and the results offer some fascinating insights.
According to a 2023 Forbes survey of 1,000 homeowners across the United States, including some in Kentucky, residents have a varied but mostly positive experience with their home warranties. Here’s a snapshot of what we found:
These insights reflect a broad spectrum of experiences but generally point to a favorable view of home warranties among Kentuckians. By understanding these trends, homeowners can better assess their own needs and expectations from their warranty coverage.
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When deciding whether to invest in a home warranty in Kentucky, it’s important to consider a few key factors that highlight the value this service might offer for you:
Deciding whether to get a home warranty is a personal choice based on your individual needs and circumstances. It’s worth evaluating how a warranty might fit into your overall home maintenance plan and whether it aligns with your expectations for coverage and cost.
Home Warranty Reviews
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 home warranty plans, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
Generally, agreements with a home warranty company last about a year. After that, you can renew the contract or cancel the service. Some companies also offer multi-year contracts for a one-time payment instead of a monthly bill.
To get the most out of your home warranty policy, it’s essential to learn the exact terms of your contract. What the company covers and what it doesn’t. It can save you money and headaches in the long run. Other good tips include:
Home warranties cover appliances and systems. For appliances, think of your kitchen (fridge, dishwasher, stove, etc.) or your laundry room (washer, dryer).
Systems covered under home warranties usually include HVAC, plumbing and electrical. If you pay extra, you can protect other systems, like roofing, pest control and septic systems. Ask any company you’re considering about add-ons and their associated costs. Companies don’t usually cover pre-existing faults and issues like structural problems.
Yes. While a home warranty will help cover the cost of repairing a faulty appliance or system, home insurance protects the homeowner’s investment from accidents, natural disasters, fires and building failures.
Insurance companies might also cover the cost of fixing or replacing personal items damaged during the incident, such as furniture ruined by a plumbing failure.
Geraldine has over a decade of experience writing within the home improvement sector. Additionally, she has unique first-hand renovation experience as the previous owner of a house-flipping business.
Cassidy is an updates editor whose main responsibility is to write and edit articles on a range of home improvement topics. Her passion for lifestyle writing began with her editorial apprenticeship at Travel + Leisure magazine. Moving from travel to home, Cassidy now specializes in writing DIY and interior design content.
