State guide · INNo paid placement
Home warranty
in Indiana.
Cold winters placing extended load on furnaces and boilers drives the local claim mix. Service contracts in Indiana are regulated by the Indiana Department of Insurance.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why Indiana is different
Service contracts in Indiana are regulated by the Indiana Department of Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Contracts must disclose cancellation and refund terms.
Source: Indiana Department of Insurance (State regulator, accessed 2026-05)
Coverage-priority context · IN
What breaks in Indiana.
Issue 01
Cold winters placing extended load on furnaces and boilers
Issue 02
Freeze-thaw cycles raising burst-pipe risk in basements and crawl spaces
Issue 03
Humid summers driving air-conditioning load and compressor wear
§ 02Best providers in Indiana
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
SHW
Select Home Warranty
Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.
Score
3.4/5
From
$44/mo
BBB
B-
§ 03By city
City 01
Indianapolis
City 02
Fort Wayne
§ 04Common questions for Indiana
Are home warranties regulated in Indiana?
Service contracts in Indiana are regulated by the Indiana Department of Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Contracts must disclose cancellation and refund terms.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.