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  1. Home Warranty
  2. States
  3. Home Warranty in Indiana
A family in a corn field in Indiana

Find the best coverage for your Indiana home

A family in a corn field in Indiana

Home warranty plans in Indiana

Exploring home warranty companies in Indiana? Trust AHS to offer reliable coverage for your major systems and appliances, helping you budget for covered breakdowns.

Find coverage in your area

How AHS delivers the best for Indiana homeowners

Thousands of IN homeowners

filed claims in 2025

HVAC service calls

are the most common IN claim

Refrigerators and water heaters

are other top IN claims

Service that fits best when you need help

Home ownership in Indiana can mean dealing with a lot of change, as humid summers turn to periods of drought that can place added strain on a home over time. When you factor in the state’s risk for severe weather1 and the fact that the median Indiana home is around 45 years old2, planning ahead becomes especially important. That’s why the right Indiana home warranty coverage should include protections for these key systems and appliances.

ac icon

Air conditioning systems

Warm, humid summers can put steady demand on cooling systems in Indiana homes. Home warranty coverage helps homeowners plan for covered AC unit repairs or replacements.

heating icon

Heating systems

Indiana winters can arrive quickly and linger. Coverage for heating systems helps homeowners prepare for covered repairs or replacements when covered heating equipment breaks down.

electrical icon

Electrical systems

Between humidity and seasonal storms, electrical systems in Indiana homes can face added stress over time. Home warranty coverage helps manage repairs to covered electrical components.

kitchen appliances icon

Kitchen appliances

Many kitchen appliances in Indiana homes have been in place for decades. A home warranty plan helps cover eligible repairs or replacements when key appliances break down.

See the plan agreement for coverage details, including service fees, limitations and exclusions. Coverage limits and charges for non-covered items may apply.

America's most preferred home warranty
with nearly 2 million members

With three different home warranty plans and flexible pricing, American Home Shield has the right solution for every home and budget—including yours

Shield Silver™

Cover the hardworking basics. 
ShieldSilver protects parts of 14 major systems (HVAC, plumbing, electrical) to help keep your home running.

See Pricing
  • $50,000 total limit / agreement term
  • $5,000 per covered HVAC system
  • Partner discounts and offers for home services and essentials
See Pricing
Most Popular

Shield Gold™

If more coverage means less worries, ShieldGold is for you. Protect parts of 23 major systems and appliances in your home.

See Pricing
  • New Benefit: Video chat with live repair Experts for real-time help at no extra cost*
  • $50,000 total limit / agreement term
  • $5,000 per covered HVAC system
  • $2,000 per covered appliance
  • Partner discounts and offers for home services and essentials
See Pricing

Shield Platinum™

ShieldPlatinum protects parts of 23 systems and appliances, plus roof leak repair coverage and other member perks.

See Pricing
  • New Benefit: Video chat with live repair Experts for real-time help at no extra cost*
  • $50,000 total limit / agreement term
  • $5,000 per covered HVAC system
  • $4,000 per covered appliance
  • $1,000 roof leak repair limit
  • Unlimited AC refrigerant
  • Partner discounts and offers for home services and essentials
See Pricing

See the plan agreement for coverage details, including service fees, limitations and exclusions. Coverage limits and charges for non-covered items may apply.
*Video chat available as a member benefit with select AHS plans. Video chat hours are from 8AM-9PM CST, 7 days/week. Subject to change.

See what your satisfied neighbors are saying about AHS in Indiana

I dealt with a claim for my stove and microwave, as well as another for my washing machine and refrigerator’s ice maker. The process of setting up both service calls was swift and efficient. After making the payment for the service call, appointments were scheduled promptly, which I found commendable. The technician was knowledgeable, ordering the necessary parts before leaving the house, and even confirmed their delivery times. His expertise provided peace of mind. Previously, I only used the warranty for our water heaters and that experience had been just as positive. Submitting the claims was hassle-free, even without having the appliance product or serial numbers at hand. Both issues were resolved smoothly, and now, everything is functioning perfectly … Their website and online tools are user-friendly and deserve a full rating. My summary of American Home Shield is simply "Great service."

Sara Griffin Georgetown, IN

I submitted a claim online to American Home Shield for my garage door opener. The interaction with the contractor was fantastic, and they successfully installed a new door opener. Since then, I’ve had no issues. I had previously switched to another warranty company because of lower prices, but that decision was a mistake. I promptly returned to American Home Shield after a year, and I’ve been very happy with their service ever since. I’ve recommended them many times due to their reliability and excellent service.

Rebecca Brown Sullivan, IN
Video chat montage of smiling experts
 

Video chat with live, vetted Experts

With decades of experience under their toolbelts, our team of repair Experts can help with plumbing, electrical, HVAC, appliance and other general repair issues. They’ll assess the problem, help you fix it in real time, or confirm when it’s time to make a service request for an in-person Pro—all via the AHS app.

Download the app

*Video chat available as a member benefit with select AHS plans. Video chat hours are from 6AM-9PM CST, 7 days/week. Subject to change.

Frequently Asked Questions

A home warranty is an annual, renewable service contract that provides peace of mind and protection for home systems and appliances. When a covered home system or appliance breaks down, your home warranty plan covers the repair costs. It complements your homeowners insurance by protecting things your insurance doesn’t. In addition to helping with the cost and hassle of covered repairs, if AHS can't fix an item, we'll replace parts of covered home systems and appliances that break down over time due to normal wear and tear. Our home warranty plans also offer American Home Shield members exclusive pricing on home maintenance services, new appliances and HVAC systems, and more – from tech and smart home installation services to pre-season HVAC tune-ups, and more.

Every home is unique, so it’s only fitting that every home warranty plan is too. We primarily take into consideration the following three key factors when determining the cost of your plan.

  • Size and location of your home – Depending on where you live, your cost could include state or local taxes. We use the details that you provide when you request a quote to inform you of your full plan costs upfront.

  • Plan type – The home warranty plan you select factors into the cost. We offer three plan options, so you simply need to choose the plan that best meets your home’s needs.

  • Service Fee – You will pay a Service Fee each time you place a service request. It’s the standard cost that covers the time your repair Pro spends assessing the issue and figuring out how to fix it. You get to choose your Service Fee amount when your purchase your home warranty plan.

It's easy to get a free home warranty quote in minutes by entering your zip code at the top of this page.

Here’s what to consider when determining how to choose the best home warranty for you:

  • Prioritize HVAC/AC coverage. These are the most costly (and uncomfortable!) repairs to make when breakdowns occur.

  • Consider covering appliances if your daily routine includes heavy appliance usage. This is especially important if your individual appliance warranties have expired.

  • Add pool/spa, well pump, or septic coverage if your property has them.

  • Check roof-leak and plumbing coverage if you have older pipes or storm exposure. Please note that damage caused by storms are excluded from AHS roof coverage.

  • Compare plan agreement limits, service fees, and exclusions (especially for pre‑existing conditions and maintenance requirements).

  • Read reviews from Indiana customers and confirm the provider honors state contract terms.

Using those criteria helps you pick coverage that matches your local climate and the systems of your home. American Home Shield offers three plan types plus add-ons (including pool/well options) and a national network of Pros to help cover common Indiana needs.

If you like to save time and money, a home warranty is for you. When a covered system or appliance breaks down, you could pay thousands* for a single repair or replacement, or you could get a home warranty plan starting at less than $1 a day with American Home Shield. Plus, there’s only one company to contact when you have a breakdown, and we find the right repair Pro for the job. American Home Shield gives you peace of mind.

 

*Repair/replacement cost is the eightieth percentile as reported in a nationwide survey of homeowners conducted in 2022 by ClearVantage for AmericanHome Shield.

American Home Shield plans offer three different options so you can choose the one that’s best for you and your home. Our entry level plan, ShieldSilver™ covers parts and components of your heating and AC, plumbing, and electrical systems. ShieldGold™, our most popular plan, covers everything in ShieldSilver™, plus coverage for hardworking kitchen and laundry appliances like your dishwasher, refrigerator, washer and dryer, and more. And finally, our ShieldPlatinum™ includes everything in the first two plans, plus roof leak repair coverage, unlimited AC refrigerant, and more member perks. With American Home Shield Indiana, it’s easy to cover the items that keep your home running smoothly and choose a plan that’s right for you.

A home warranty is one of the best ways to protect the parts and components of covered home systems and appliances in the event of breakdowns. A home warranty can help protect your budget—whether you’re a first-time homebuyer in Indiana, a long-time homeowner, or somewhere in the middle. It can help you avoid expensive, out-of-pocket costs to repair covered items. What’s more, if an item is beyond repair, a home warranty like AHS will replace covered systems and appliances based on the limits and exclusions in your plan agreement.

The best way to compare home warranty plans is to look beyond the monthly price and evaluate what you’re actually getting. Here’s a checklist to help you make the most informed decision:

  • Coverage details - Review which systems and appliances are included, and whether coverage applies to the parts and components most likely to fail.

  • Coverage limits - Check the payout limits per item and per contract term to understand your potential out-of-pocket costs.

  • Service fees – Evaluate and compare the service call fee you’ll pay each time you request service.

  • Exclusions and limitations - Read the fine print to see what isn’t covered and whether pre-existing conditions, improper maintenance, or code violations affect eligibility.

  • Flexibility and add-ons - See if the company offers optional coverage for items like pools, spas, well pumps, or roof leaks.

  • Service Request process - Check how easy it is to request service, whether online, by phone, or through a mobile app.

  • Company reputation - Research customer reviews, years in business, and overall industry experience.

When you compare plans using this criteria, you can better determine which option fits your home and budget. American Home Shield offers three different plan options, a national network of trusted Pros, and coverage for many major home systems and appliances - regardless of age or condition - making it easier to find protection that works for you.
If you’re interested in American Home Shield coverage, including the fine print, you can check out a sample plan agreement here.

There’s no such thing as a one-size-fits-all home warranty plan. Choose a plan for your home based on what you need covered:


  • If you worry about systems like your HVAC and your appliances, choose a plan that covers both like American Home Shield’s most popular plan, ShieldGold™.

  • If you want a plan that includes premium coverage like roof leak repair and higher limits on appliances, choose a plan like American Home Shield’s ShieldPlatinum™ plan.

  • If you mainly worry about HVAC-related failures (AC, heating, ductwork) pick a plan that simply includes systems, like American Home Shield’s ShieldSilver™ plan.

  • If you own a pool/spa, well, septic, or an older roof/plumbing, add optional coverage for those items.

  • For older homes, lean toward broader coverage and higher item limits to reduce out‑of‑pocket risk. Compare plans’ service fees, limits, and exclusions, and select the one that covers your highest-risk items. American Home Shield’s three plan options let you mix base coverage and add-ons so you can tailor the plan to your local and personal priorities.
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1 https://climatecheck.com/indiana
2 https://raci.org/wp-content/uploads/HousingFacts-HowardCounty.pdf#:~:text=Elevated%20mortgage%20rates%20are%20also%20impacting%20inventory:,significantly%20older%20than%20the%20U.S.%20%2840%20years%29%2C.

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