Home warranties in Kentucky
Partially regulatedIn Kentucky, home warranties are partially regulated. 16 of the companies we track operate here.
Warranty registry plate
Sheet KY · Kentucky 16 cos. · #29/51
- REG-PARTIAL Partially regulated
- LIC-NONE No license required
- RANK-MID #29/51
- PHOTO-FINISH ±0 cos.
- COST-PAR ~$500/yr
- DESK-AG AG consumer desk
- OWN-MID 67.4% owners
- BOOK-FULL 7/7 fields
Nearest inventory peer: California (+ 0 tracked companies)
Instrument codes from this state’s regulation posture, licensing, inventory rank, peer gap, advertised plan cost, complaint desk, homeownership, and registry book, not a moving recommendation.
Kentucky's inventory neighbours
Lowest/highest poles plus states nearest Kentucky on tracked company inventory. Full ladder: /states.
Nationwide states with similar plan cost or homeownership
Peer states for Kentucky ranked by tracked issuer inventory first; advertised plan cost and Census homeownership fill the second column when present.
Peer states by average annual plan cost
Nearest advertised annual costs ($500 here).
Peer states by homeownership rate
Nearest Census homeownership rates (67.4% here).
Partial regulation posture
What this means for you: Kentucky regulates home warranties partially. You have some statutory protection, but recourse may run through the Attorney General's consumer-protection division rather than an insurance regulator.
Consumer protections in Kentucky
Consumer protection covers service contracts.
File a complaint in Kentucky: https://www.ag.ky.gov/Resources/Consumer-Protection
Who covers Kentucky
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Liberty Home Guard 2 of 3 signals | 88A |
| America's Preferred Home Warranty | 87A |
| AFC Home Club | 79B |
| Cinch Home Services | 74B |
| First American Home Warranty | 73B |
| American Home Shield | 64C |
| Choice Home Warranty | 63C |
| Home Warranty of America | 63C |
| 2-10 Home Buyers Warranty | 60C |
| ServicePlus Home Warranty | 60C |
| Select Home Warranty | 57C |
| First Premier Home Warranty | 54D |
| Total Home Protection | 46D |
| HSA Home Warranty 1 of 3 signals | 30F |
| Porch Home Warranty 1 of 3 signals | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change. Scores blend Better Business Bureau ratings/reviews with Trustpilot scores, see methodology.
Score basis. A Reliability Score normally blends three signals, and a review signal counts once a company has 5 reviews. 3 companies here rest on fewer, so their scores carry less evidence than the rest of the table: Liberty Home Guard: BBB reviews and Trustpilot only (BBB profile not rated); HSA Home Warranty: Trustpilot only (BBB profile not rated, 1 BBB review); Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews). How the score is built.
Partial regulation posture
Home warranties in Kentucky: standing desk
Kentucky regulates home warranties partially; recourse may run through the Attorney General consumer division rather than an insurance regulator.
Kentucky is partially regulated for home-warranty contracts. 16 of the companies we track operate here, with homeownership about 67.4%. Advertised annual plan costs average around $500.
Compare the Reliability Score table for issuers listing Kentucky, then open each company card for plan-tier coverage and BBB/Trustpilot sources.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed. According to PlainWarranty's corpus ranking, Kentucky ranks #29 of 51 states by tracked home-warranty company inventory. How we place states.
Source: Kentucky Department of Insurance / Attorney General Home-warranty regulation, licensing, and complaint-filing channel · 2026 State population and homeownership: U.S. Census Bureau, American Community Survey. Company reliability: BBB & Trustpilot.