Do You Need a Home Warranty in Indiana? Here’s What to Know

Owning a home is one of life’s biggest milestones — and one of its biggest investments. Whether you’re a new homeowner in Carmel, Indianapolis, or Central Indiana, it’s worth asking: should you get a home warranty?

A home warranty is a service contract that helps cover the cost of repairing or replacing major home systems and appliances due to normal wear and tear, unlike homeowners’ insurance, which protects against things like fire, storms, or theft. A home warranty steps in when your HVAC, plumbing, electrical, or kitchen appliances break down from everyday use.

Even newer homes can experience surprises. A home warranty can help you:

 

• Avoid large, unexpected repair costs
• Gain 24/7 access to pre-screened service professionals
• Simplify the repair process with one call or online claim
• Enjoy peace of mind knowing that most major systems are protected

 

Many homeowners in Indianapolis and Carmel choose to renew their warranty annually, especially during their first few years of ownership.

If you’re considering a plan, here are several reputable options serving Central Indiana homeowners:

 

• American Home Shield (AHS) – Flexible service fees, broad coverage, and a trusted nationwide reputation. Learn more.
• Liberty Home Guard – Excellent customer support and easy claim process. Visit the website.
• First American Home Warranty – Competitive pricing with strong coverage. Explore plans.
• Choice Home Warranty – Affordable and straightforward coverage. See details.
• America’s Preferred Home Warranty (APHW) – Customizable coverage and responsive service. Read more.
  
  

If you’re a first-time buyer or simply want to avoid the stress of unexpected repairs, a home warranty can be a smart choice. And if you already have one, now is a great time to review your plan and decide whether to renew.

If you’d like recommendations or help comparing plans, I’d be happy to connect you with trusted local providers.