Home Warranty Companies in Indiana
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Indiana. AFC Home Club ranks first among them at 8.2 out of 10. Indiana has warmed by almost 1.5 degrees F, with the warming concentrated in winter and spring and little change in summer.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Indiana Department of Insurance
Rules not confirmed
Indiana State Snapshot
Housing units
3,002,605
Owner-occupied rate
70.4% (US 65%)
Median home value
$201,600
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Indiana Department of Insurance
70.4% of Indiana homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $201,600, 34% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Indiana. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Indiana's largest city, Indianapolis (city balance), 56% of homes are owner-occupied and the median owner-occupied home is worth $224,800.
Source: Census Bureau QuickFacts for Indianapolis (city balance), 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Indiana's climate puts both heating and cooling under strain, in our reading
Indiana has warmed by almost 1.5 degrees F, with the warming concentrated in winter and spring and little change in summer. Spring and summer precipitation has generally been above average since the 1990s. Projections call for more intense heat waves and less intense cold waves this century.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Indiana (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Indiana estimate. 11 of 15 tracked companies serve Indiana in our data; "Likely" and "Check" rows are not verified for Indiana.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | IN |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Indiana
Highest overall score among companies that serve Indiana, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Indiana
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Indiana. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Indiana Regulates Home Warranties
Regulator
Indiana Department of Insurance
Legal framework
Automobile service contract statute; Department bulletins on other service contracts
Indiana's service contract statute, IC 27-1-43.2 (added by Public Act 129 of 2014), says automobile service contracts are generally not insurance. The Department of Insurance's Bulletin 210 (June 2014) says the approach in its earlier Bulletin 78 continues to apply to service contracts that are insurance under Indiana law and are not covered by that act, including many contracts covering homes, personal goods and utilities. We did not find an Indiana statute written for home warranties or a registration program for them, and the bulletin dates from 2014, so ask the Department how it treats a specific company's contract.
Type of rules: Not confirmed. The sources we found did not settle how the state regulates home warranties. Ask the state insurance regulator before you buy.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Indiana Department of Insurance Bulletin 210: service contracts (June 2014, PDF)
- Indiana Department of Insurance Bulletin 78 (automobile service contracts, PDF)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Indiana Homeowners
Ask who regulates the company
The sources we found did not settle how Indiana regulates home warranties. Ask your state insurance department, using the NAIC directory, before you buy.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Indiana. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Indiana
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Indiana's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Indiana: how to file a consumer complaint (in.gov)
The Consumer Protection Division says a consumer transaction must have taken place before it can investigate, and it asks for copies of supporting documents, not originals.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Indiana
Which home warranty companies serve Indiana?
What is the best home warranty company in Indiana?
Which home warranty plan has the highest HVAC coverage in Indiana?
How much does a home warranty cost in Indiana?
How does Indiana's climate affect which plan to buy?
Where do I file a home warranty complaint in Indiana?
How are home warranties regulated in Indiana?
Neighboring States
Compare All Indiana-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Indiana, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.