Home Warranty

7 best home warranty companies in Bowling Green, Kentucky

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Bowling Green. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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You might be considering a home warranty to protect essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items like refrigerators and AC units break down from normal wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Bowling Green home contains aging dishwashers, furnaces or the like, you'll likely encounter a surprise breakdown. These leading home warranty firms provide robust coverage at a fair price.

Bowling Green's wet, cool weather strains roofs and HVAC systems, so we recommend a home warranty to protect yourself from unforeseen breakdown repair costs. The providers we recommend offer strong coverage options and even a few added perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Bowling Green

Here's our list of the best home warranty companies in Bowling Green:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

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

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

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

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Bowling Green

The typical monthly cost of a home warranty in Bowling Green runs from $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

With a home warranty, you'll have additional coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Clothes dryers
Cooktops
Dishwashers
Built-in microwaves
Refrigerators
Washing machines

The first category of items a home warranty protects is major appliances. This includes the following: The second coverage category is major systems, which typically consist of the following:

Plumbing
Electrical
Water heater
Central vacuum
HVAC

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. These are referred to as exclusions. A common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance. Home warranties also don't cover acts of nature, improper system or appliance installation, preexisting conditions, hazardous waste, cosmetic damage and rust or corrosion damage.

Questions to ask home warranty providers in Bowling Green

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

First, figure out what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Also, many home warranty companies offer optional coverage, such as for septic tank pumping or swimming pools. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan has a duration of 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies have a 30-day waiting period to stop customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty providers allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Bowling Green to get repair approval from the home warranty provider. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Knowledge of your warranty company's claim process can make all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or online. While most claims should have a 24 to 48-hour response time, there might be delays if you filed outside standard business hours. Once the provider receives your claim, someone will review it and connect you with a partner service contractor. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

Can I transfer my policy to the next owner of my home?

Most home warranty companies permit you to transfer your policy to a new homeowner if you need to move. Sometimes, transfers are free, and other times, the company will levy a transfer fee for the service. Sellers can also purchase special home warranty plans that are easily transferred to prospective buyers. This is a straightforward way to make your home more attractive to your home in a competitive real estate market and provide the buyer extra reassurance.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you determine whether it’s the right one for your needs. It'll also help you stand up for your rights if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
Workmanship guarantee: Most workmanship guarantees are valid for 30 days from a warranty repair, though some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company won't assess an extra service call fee for a new claim.
Exclusions: Even if a system is covered under your home warranty, it may still have applicable exclusions for specific parts. A sample contract should clearly outline these exclusions.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider for every claim. Fees typically vary between $75 and $125 per claim.

Facts about Bowling Green

Average High in July

86°F

Bowling Green

83°F

National Average

Average Low in January

27°F

Bowling Green

17°F

National Average

Average Daily Sunlight

65%

Bowling Green

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Bowling Green, Kentucky

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