Home Warranty

7 best home warranty companies in Columbus, Indiana

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 Columbus. 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 safeguard 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 key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today stop working in under 20 years, according to the experts at the International Association of Certified Home Inspectors.

If your Columbus house contains any aging dishwashers, furnaces or other appliances, you'll likely face an unexpected breakdown. These top home warranty providers offer robust coverage at reasonable prices.

With the scorching Indiana summers, air conditioner breakdowns in Columbus are that much more taxing for homeowners. A home warranty from one of the national providers listed below will give you a cost-effective path to the future repairs you might need.

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 Columbus

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

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 the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

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 Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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 Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

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 is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

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 Columbus

You'll typically pay $41-$70 per month for a home warranty in Columbus, around the same as the national average. Opting for annual payments means spending somewhere around $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties provide coverage for a variety of major systems and home appliances. We'll present a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Clothes dryers
Washing machines
Built-in microwaves
Dishwashers
Refrigerators
Cooktops

The first category of items home warranties provide coverage for is kitchen items and outdoor appliances. This category includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most include the following:

Plumbing
HVAC
Electrical
Central vacuum
Water heater

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One thing that home warranties exclude is damage outside of normal wear and tear. For example, the warranty company could deny a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Home warranties also don't cover improper system or appliance installation, acts of nature, preexisting conditions, hazardous waste, rust or corrosion damage and cosmetic damage.

Questions to ask home warranty providers in Columbus

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?

Assess your coverage requirements before requesting a quote from a home warranty provider. Once youknow what items require coverage, verify that the provider includes them in its packages. Some companies separate appliance and systems coverage into different plans, so ensure you choose the accurate one. Most home warranty companies also sell optional add-ons for things like roof leaks and central vacuum. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

A typical home warranty plan is good for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period is designed as a way to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. 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 via a phone hotline or online. While most claims should have a one to two-day turnaround, there might be delays if you file outside standard business hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will arrange a visit to diagnose the problem, and then get final approval from the warranty company for any required repair work.

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

Most home warranty providers allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is free of charge, although some companies charge a transfer fee to offset administrative costs. Some home warranty companies also provide special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to enhance their home's appeal.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s detailed terms and sample contract before 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 search for while reviewing the contract:

Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will offer a complete refund of your annual premium.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider each time you file a claim. Fees typically vary between $75 and $125 per claim.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company pays per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't charge an additional service call fee for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may be excluded even if the appliance itself is usually covered under the policy.

Facts about Columbus

Average High in July

84°F

Columbus

83°F

National Average

Average Low in January

22°F

Columbus

17°F

National Average

Average Daily Sunlight

63%

Columbus

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 Columbus, Indiana

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