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Home Warranty

7 best home warranty companies in Elkhart, Indiana

Jesus Sanchez Garcia

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 Elkhart. 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 important home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items such as AC units and refrigerators break down from normal 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 operate for just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today go kaput after about 20 years.

If your Elkhart home has a furnace, dishwasher or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top home warranty companies listed below offer generous coverage at affordable rates.

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty providers, you'll have additional peace of mind in case of an unexpected breakdown.

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 Elkhart

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees 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 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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Elkhart

The typical monthly cost of a home warranty in Elkhart is $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 a variety of major systems and home appliances. We'll offer a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Clothes dryers
Built-in microwaves
Cooktops
Refrigerators
Dishwashers
Washing machines

Major appliances form the first category of items that home warranties protect. This includes the following items: The second category of covered 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:

HVAC
Plumbing
Water heater
Central vacuum
Electrical

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 normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance.

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

Questions to ask home warranty providers in Elkhart

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty company. Once youknow what items require coverage, confirm 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 septic tank pumping and lawn sprinkler systems. 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 require this 30-day waiting period to prevent 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 pick 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?

Knowledge of your warranty company's claim process makes 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 through the web. 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?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies oversee the transfer without cost, while others levy a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a straightforward way to make your home more attractive to your home in a competitive real estate market and give the buyer additional peace of mind.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s fine print 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 advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of a device may not be included even if the appliance itself is usually covered under the policy.
Workmanship guarantee: Home warranties generally have workmanship guarantees of at least 30 days. If an in-network technician recently serviced your appliance or system, and you still have issues with it, the company won't charge an additional service call fee for new repairs.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Cancellation: Companies commonly detail 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: Just like copays at the doctor or pharmacy, you'll have to pay a service call fee every time you file a home warranty claim. Most companies charge from $75 to $125 per claim.

Facts about Elkhart

Average High in July

81°F

Elkhart

83°F

National Average

Average Low in January

17°F

Elkhart

17°F

National Average

Average Daily Sunlight

60%

Elkhart

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 Elkhart, Indiana

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