Home Warranty

7 best home warranty companies in Georgetown, 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 Georgetown. 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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A home warranty offers financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as HVAC units and refrigerators when they break down from normal wear.

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 malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today fail after about 20 years.

If your Georgetown home contains aging furnaces, dishwashers or other appliances, you'll probably encounter a surprise failure. These highly rated home warranty firms offer robust coverage at fair prices.

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

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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 Georgetown

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

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 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 Home Warranty has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 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

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

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 Georgetown

The typical monthly cost of a home warranty in Georgetown runs from $41 to $70, in line with the national average. If you're paying on an annual basis, expect to spend anywhere from $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

Home warranties provide coverage for various appliances and major systems, 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?

Refrigerators
Dishwashers
Cooktops
Washing machines
Built-in microwaves
Clothes dryers

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

Electrical
Water heater
Central vacuum
HVAC
Plumbing

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. Generally, home warranties won't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover cosmetic damage, preexisting conditions, acts of nature, improper system or appliance installation, rust or corrosion damage and hazardous waste.

Questions to ask home warranty providers in Georgetown

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

What items does my policy cover?

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. Most home warranty companies also sell optional add-ons for things like additional refrigeration and sump pumps. 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?

Generally, home warranty contracts are active for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period 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?

Be sure to ask about the warranty provider's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might 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?

Understanding how a company’s claims process works often makes the difference between claim approval and denial. Home warranty providers typically accept claims via their website or a 24/7 claims hotline. Typical response times are within 24 to 48 hours of filing, though there may be processing delays if you file a claim outside normal business hours. If the home warranty company grants initial approval to your claim, they'll connect you to a service contractor from their network. The contractor will schedule a consultation with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll proceed to make repairs and handle billing on your behalf.

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

If you need to move, most home warranty contracts include a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others will charge a transfer fee. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before committing to a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you make an informed decision. It'll also help you stand up for your rights if you need to file a claim. Look for these key terms and clauses in your research:

Cancellation: Companies typically outline 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 range from $75–$125 per claim.
Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment may not be included even if the appliance itself is typically included under the policy.
Workmanship guarantee: Workmanship guarantees temporarily protect you from additional service call fees if an in-network technician failed to completely fix a covered issue. Most guarantees are 30 days long, though some companies offer longer periods.
Coverage limit: Each home warranty has a coverage limit that stipulates how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Georgetown

Average High in July

84°F

Georgetown

83°F

National Average

Average Low in January

25°F

Georgetown

17°F

National Average

Average Daily Sunlight

63%

Georgetown

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 Georgetown, Kentucky

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