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Audited & Verified: Nov 4, 2025, 9:05am
Reviewed By
| Staff EditorIf you’re looking for a home warranty provider in Kentucky, you may feel overwhelmed by the options. To help you narrow down the plethora of home warranty company options, the Forbes Home editorial team analyzed 19 major home warranty companies and 58 plans. We then ranked them by obtaining 106 quotes and using 60 data points, such as finances, company reviews and protection for specific appliances and systems. The team also read the fine print of these companies’ plans and surveyed 1,800 home warranty customers to help you identify the best option for you.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
To find the best home warranty companies in Kentucky, we looked at features like monthly premiums and service fees, plans, contractor choice policies and more.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | CHOICE OF TECHNICIAN | LEARN MORE |
|---|---|---|---|---|---|
 4.3    | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | No | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.7 | Best for Customization | $32.00 - $72.00+ | Yes | Read Forbes' Review |
Best Value
Best Value
ARW Home
As a home warranty company in Kentucky, ARW Home is a comprehensive choice for those who prefer a variety of plan tiers and price points. ARW offers three distinct plans, beginning with the Kitchen Plus Plan (which starts at $39.99), and the company centers on kitchen appliances and systems. From there, its Platinum Plan (starting at $64.99 monthly) and Platinum Plus Plan (which costs $74.99 to start) marry system and appliance coverage.
Learn more: ARW Home review
We appreciate ARW Home’s 24/7 claim submission through online for more ease among policyholders. Though it offers many similar plans you’ll find at other companies, ARW stands out by including add-ons like water and sewer lines as well as electronics. If you have a cracked screen are even covered under this add-on plan.
Why We Like It
The company provides a substantially higher annual limit of $5,000 versus the $2,500 limit that is the industry standard. You can also find a variety of discounts and deals going on throughout the year like one or two months free when you sign up for a 12-month warranty plan. The three plan levels offer a specialized function, like Kitchen Plus, ARW’s lowest-tier plan, which focuses on kitchen appliances.
What We Don’t Like
ARW charges a $45 cancellation fee once you sign, and some users mentioned in reviews that they had to send cancellation requests by mail, which was inconvenient. We suggest confirming the cancellation process before signing anything to set expectations.
Who It’s Best For
ARW Home is a solid option for those in Kentucky who want plans with all-around coverage and especially one focused on kitchens. We also think it could be a quality option to consider for those in older homes.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Consumer sentiments for ARW are mixed. While some homeowners said the company resolved claims quickly and that they had positive customer service experiences, others report issues with claim processing, misleading coverage details and a lengthy and confusing cancellation process. As always, we recommend reading the fine print and clarifying terms before committing.
After we surveyed 1,800 home warranty policyholders, ARW Home received favorable marks for value. According to our survey, 93% of ARW customers said they would recommend the company to others, and 92% said they felt the plan delivered strong value.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
With an impressive legacy in the home warranty industry, American Home Shield is one of the most established providers on our list. The company boasts three varied choices starting at $29.99 and rising to $79.99 for the top-tier plan. Though the bottom-tier plan covers just systems, the middle-tier option combines system and appliance protection and the top plan adds perks and raised coverage caps.
Learn more: American Home Shield review
We like that American Home Shield provides a higher coverage cap (up to $4,000) for covered appliances. In Kentucky, residents can decide monthly or yearly contracts. We respect its tiered plan approach, providing everything from systems-only coverage to all-encompassing plans.
Why We Like It
American Home Shield is a strong fit for modern households in Kentucky, offering specialized add-ons such as coverage for code violations and undetected preexisting issues. It also extends protection to nonstandard homes like mobile homes, condos and manufactured properties. The company typically processes claims within 24 to 48 hours and includes an optional virtual diagnostic tool to speed up repairs. Even the most foundational plans include HVAC coverage, a necessity in Kentucky’s fluctuating weather.
What We Don’t Like
This provider has a track record of all-encompassing coverage, but the other side of that coin is seeing the company follow through and sign off on any requests if you’re using your own contractor. Some customers have reported a very tedious situation. Plus, if you cancel coverage after the first 30 days, you will owe a hefty admin fee that equates to one month’s payment.
Who It’s Best For
American Home Shield is best for those who may have home types like condos or manufactured homes and those who want the option of high coverage caps on appliances.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer sentiment toward American Home Shield revealed inconsistencies. Some users described swift repairs and competent service quality. Others noted unanticipated costs and raised concerns over limited technician vetting. AHS remains a debated option depending on your location and service expectations.
We sent a survey to 1,800 home warranty users to gain insight into their experience with companies like American Home Shield. Customers highly recommended the provider, with 83% saying they would recommend AHS to a friend if given the opportunity. Over 80% said the company’s documentation was easy to read and understand.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Known as HWA, Home Warranty of America has been serving homeowners since the mid-1990s. The company delivers essential coverage through two plan types that fit most homes. Monthly costs start around $47, with variable service fees ranging from $75 to $100. HWA is a good fit for those who want a streamlined warranty without a dozen confusing add-ons.
Learn more: Home Warranty of America review
We appreciate that this company offers add-on coverage for niche home items including water softeners and issues like code violations. Both of its plans also include coverage of home systems and appliances, and don’t have age limitations on the items they cover.
Why We Like It
HWA aims for a 48-hour response time, which we always appreciate. The company also includes an add-on called GreenPlus that entitles you to an ENERGY STAR-certified appliance if covered equipment qualifies for replacement.
What We Don’t Like
You won’t be able to choose your own contractor with HWA, which some Kentucky homeowners can see as limiting. Home Warranty of America also only lists two available plans, neither of which offers coverage for only appliances, something that many homeowners like to see.
Who It’s Best For
This company can be a good option for those who want a simple plan that covers both appliances and systems.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
HWA got overall mixed customer sentiments, according to our research. High points include helpful customer service agents and technicians. But, in more negative reviews, customers tended to mention surprise costs, lengthy service wait times and unsatisfactory coverage.
We asked 1,800 home warranty policyholders and found fairly mixed to positive reviews for Home Warranty of America. 81% of HWA customers in our survey said they were happy with the company’s value for the cost they paid. The same percentage said that enrolling in a plan with the company was simple.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Although newer to the market, Liberty Home Guard has earned a strong reputation in just eight years. Homeowners can choose from three core plans including appliance-only, systems-only and combo coverage, and have flexibility when it comes to technician charges. With Liberty, it’s all about customizing what works.
Learn more: Liberty Home Guard review
We included Liberty Home Guard because it gives homeowners a level of control you don’t always see. From choosing your own contractor to covering properties like secondary residences, Liberty makes it easier to adapt your coverage to your living situation.
Why We Like
It Liberty has one of the most lengthy lists of home warranty add-ons in our Kentucky ranking, with add-on options like saltwater pools, re-keying and light fixtures. Liberty also allows for a range of ways customers can contact the company, including by phone, text and chatbot.
What We Don’t Like
Liberty charges a $50 non-refundable cancellation fee, which can feel high. Also, the $2,000 payout cap per covered item may limit some repairs for bigger-ticket items. It’s important to understand your limits if you’re protecting older or high-end systems.
Who It’s Best For
Liberty is a strong pick for homeowners who want flexibility between appliance and system plans. It’s also worth considering if you’re open to paying a bit more for maximum flexibility. Renters, landlords and manufactured home owners may find its range of support especially appealing.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
When looking into this company, we noticed generally mixed sentiments from customers. When users seemed pleased with services, they often mentioned helpful customer service and quick help. But, there were negative sentiments that mentioned delays in service, coverage limitations and denied claims.
Liberty Home Guard scored well with homeowners in our survey. About 84% of customers said they were content with how their service call was handled, and 85% said they plan to renew. That kind of loyalty points to consistent customer service and a plan structure that delivers value.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Customization
Best for Customization
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty delivers a distinctly layered lineup of home warranty plans tailored to Kentucky households. Whether you’re managing a listing, building a home or moving into one, this provider offers packages starting at $32 that range from kitchen-specific plans to broad-spectrum coverage options for deeper protection.
Learn more: 2-10 Home Buyers Warranty review
We like 2-10 Home Buyers Warranty for a few reasons. The company is one of the most affordable in Kentucky, with its base plan costing $32, and an option to adjust your premium cost based on your service fee level. We also like that the company has policies that cater to home sellers, offering specific coverage during the listing period, as well as those designed for home builders.
Why We Like It
2-10 Home Buyers Warranty allows you the opportunity to focus on which features of a home warranty you care about. Want a low premium? You can opt for a higher service fee. Are you prioritizing protections for your kitchen appliances? There’s a plan for that. We also noted some of the more unique elements of the company, like its coverage for filters and alarm systems with its top plan.
What We Don’t Like
While this company allows building flexibility, you’ll need to obtain clearance before starting on repairs. Be aware that those cancellation terms are not especially forgiving. There’s a $25 fee in the first 30 days, which jumps to 10% of the full contract after that.
Who It’s Best For
2-10 will likely suit budget-managing homeowners in Kentucky who want to control plan expenses and selectively expand their home warranty coverage. It also could be a practical choice for sellers or builders wanting transitional protections.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
While some policyholders praised the provider’s basic options, many reviews raised issues with vague limits. Typical complaints revolved around denied repairs for preexisting issues and lagging support. Generally, the sentiment leaned mixed-negative, especially around transparency and turnaround time.
In a survey of 1,800 home warranty customers, 2-10 Home Buyers Warranty received excellent scores for consumer satisfaction. An astounding 86% of respondents said they would recommend 2-10 to a friend, and 88% rated the service as a good value, showing overall praising customer sentiment.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
We recently conducted a survey of 1,800 customers with home warranty policies and found out that 81% of homeowners reported spending between $801 and $900 each year on their home warranty premium payments. This amounts to about $70 per month.
Typically, monthly home warranty costs range from $27 to $100, or $60 on average. To get a more accurate rate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you call on a contractor to your home to perform a repair under your home warranty plan. These usually oscillate between $65 and $150 per visit, and the cost of service fees may lower or raise your monthly premium.
It helps to compare home warranty premiums and service fees to average home repair costs to know if you’re getting a good deal. For example, a leaky faucet can reach up to $350 on average. Knowing average home warranty premiums and service fees, you can get a better idea of what you can save, even while you’re making consistent monthly payments with a home warranty.
The cost of your home warranty in Kentucky will vary based on the plan you choose and from which company. Plans that cover a plethora of systems and appliances will cost more than your barebones plans. Add-ons will also raise your cost.
| KENTUCKY HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
If you live in Kentucky, you might consider a home warranty to be well worth it, though several factors will dictate whether it truly makes sense for you.
Do you have an older home with older appliances and systems? If these items’ protection under a builders’ or manufacturers’ warranty is expired by the time you’re looking at a home warranty, that may be a sign to get one. It would be a shame if you had to foot the bill for a surprise repair or replacement.
Alternatively, if you live in a newer home with active warranty protections and feel confident about handling some more significant repairs yourself, you may feel a home warranty is redundant.
Compare Quotes From Top-rated Home Warranty Companies
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Despite that there are some of key central features that every home needs protection for, selecting a home warranty plan is still an extremely personal choice. Homeowners in Kentucky should consider location-specific aspects like weather patterns and local service availability. Taking all of this into account can help you identify a home warranty policy that feels right for you and gives you the peace of mind you need.
HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans and for good reason. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases.
We suggest looking into home warranties that cover your HVAC system for greater peace of mind, no matter where you live.
To get the most out of a home warranty, start by identifying your tailored coverage needs. Consider which home systems or appliances are likely to need attention soon (particularly those that are aging or approaching the end of their lifespan). Take stock of what’s relatively new and may still be protected by a manufacturer’s warranty.
It’s also smart to reflect on which systems or repairs could be especially disruptive to fix, such as electrical wiring, plumbing or large appliances.
Once you’ve built a clear picture of your home’s needs, compare it against what home warranty companies cover. Matching your priorities with what different providers offer—and what fits your budget—can help ensure you choose a plan that’s truly worth the investment.
Sample contracts are frequently available for browsing on each home warranty provider’s website, and our team suggests reviewing these so you get a better understanding of what you could be signing up for. You’ll learn insights like renewal terms, coverage exclusions and caps, payout limits and cancellation fees, which will help you to your ultimate answer on which service is best for you.
Per-month costs as well as annual premiums will dictate which policies are within your price range. From there, you can narrow down your list of possible providers and compare plan pricing. We recommend comparing several companies’ pricing and plan models to gain a clearer picture of which will best suit you and your home.
Customer reviews are a vital part of determining which home warranty company is best for you in Kentucky. We suggest reading through recent reviews (from the past year or so) to get the most accurate picture of things. Other tips include looking into specific keywords you’re particularly interested in (such as “washer repair” or “cancellation fee”) and seeking out reviews from other homeowners in Kentucky. Referrals can also be helpful here so be sure to ask people you know in your area to see if they have a plan they’d recommend.
Home warranties are regulated in Kentucky by the Kentucky Department of Insurance.
Home service companies in Kentucky need to be registered with the Department of Insurance in the state. If you have any questions about a company or complaints and we recommend contacting the Kentucky Department of Insurance.
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What a home warranty will cover in Kentucky will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical, others focus on appliances like stoves, fridges and ice makers and other plans combine the two for more well-rounded coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly stops working, and it’s under your plan, the repair may be covered. The easiest way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
Equally important as knowing what your home warranty plan covers is what it doesn’t. As mentioned above, home warranty plans cover select appliances and/or systems for repairs and replacements, but just because an appliance, system or other part of your home is listed under your plan doesn’t mean a repair or replacement will be fully covered.
For one, the reason for repair often makes a difference. These types of plans won’t necessarily help if a tree falls on your home (that’s where home insurance would often come in), or if the reason for the issue is human error. Home warranties are meant to help for issues due to wear and tear, not necessarily for fixing damage.
Similarly, you may run up against coverage limits, so if your water heater decides to die and you need a replacement, your home warranty plan may only cover so much of the replacement costs. Situations like these are why noting coverage limits is so important.
If you have any concerns about coverage limitations or questions about certain repair situations, we recommend speaking with your home warranty company.
To better understand current home warranty trends in Kentucky and across the U.S., we surveyed 1,800 homeowners who have been a home warranty customer within the last 12 months. Homeowners in the Southeast shared their experiences with coverage, how they use their plans and their opinions on home warranties in general—including feedback on the companies they chose.
Not looking for a home warranty in Kentucky? Select your state to find the best options for servicing your area.
Best Home Warranty Companies By State
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Please note: Products or services on this list may not be shown in order of their star rating. The star rating is determined solely by the editorial team.
When choosing a home warranty plan, you’ll want to consider factors like premiums and service fees, what items are covered, coverage limits, company reviews and more.
No, you do not need a home warranty in Kentucky, though having one certainly has its advantages. If you are purchasing a home in the Bluegrass state and want to be totally protected in your long-term investment or you know that your appliances or systems are older, a home warranty can help mitigate big repair or replacement costs.
No, home warranty plans don’t typically cover mold issues. However, keeping your HVAC systems well-maintained can help prevent mold and these are often included in home warranty plans.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
