Home Warranty

7 best home warranty companies in Elizabethtown, 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 Elizabethtown. 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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Home warranties give you a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies insure items like AC units and refrigerators when they malfunction with regular wear and tear.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

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

With the scorching summer heat in Kentucky, air conditioner breakdowns in Elizabethtown are that much more taxing for homeowners. A home warranty from one of the national companies below will give you an easy and economical 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 Elizabethtown

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

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 plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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 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 Elizabethtown

You'll typically pay $41-$70 per month for a home warranty in Elizabethtown, on par with the national average. Opting for annual payments means spending anywhere between $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 various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

Dishwashers
Clothes dryers
Built-in microwaves
Refrigerators
Washing machines
Cooktops

Kitchen appliances and household items form the first group of items that a home warranty provides coverage for. This includes the following items: The second category of protected items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Central vacuum
Plumbing
HVAC
Electrical
Water heater

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, don't cover everything. A common exclusion is breakdowns caused by damage outside 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.

Rust or corrosion damage
Hazardous waste
Acts of nature
Cosmetic damage
Preexisting conditions
Improper system or appliance installation

Questions to ask home warranty providers in Elizabethtown

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can look for a provider that includes them. Some companies separate appliance and system coverage. Also, many home warranty companies offer optional coverage, such as for spas or roof leaks. 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 put in a 30-day waiting period to deter customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

When you're researching home warranty companies, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to choose your own repair company. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process can improve your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within 24 to 48 hours. Filing outside normal business hours may lead to a slower process. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then get final approval from the warranty company for any necessary repairs.

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 complimentary, 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 increase their home's appeal.

Home warranty contract fine print

Before buying a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a suitable choice for you. It'll also help you stand up for your rights if you need to file a claim. Pay attention to these key stipulations and clauses:

Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, but some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician recently attempted to repair for you, the home warranty company won't charge an extra service call fee for a new claim.
Exclusions: Even if an appliance is covered under your home warranty, it may still have applicable exclusions for specific parts. A sample contract should clearly outline these exclusions.
Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
Coverage limit: Your home warranty's coverage limit is the cap on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Service call fee: The service call fee is the amount you'll pay the home warranty company or service provider whenever you file a claim. Fees typically vary between $75 and $125 per claim.

Facts about Elizabethtown

Average High in July

85°F

Elizabethtown

83°F

National Average

Average Low in January

26°F

Elizabethtown

17°F

National Average

Average Daily Sunlight

63%

Elizabethtown

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 Elizabethtown, Kentucky

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