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Top 10 Best Home Warranty Companies in 2023 - Protect Your Investment

Cassidy Horton
Cassidy Horton
Last Updated: Nov 09, 2023
Top 10 Best Home Warranty Companies

In 2022, 49% of Americans said they couldn't cover a $400 emergency without going into debt. With a recession headed our way, coming up with ideas to save money and plan for the unexpected is more important now than it's ever been.

That's where a home warranty plan can help—it protects your investment and reduces repair costs that could drive you into debt. However, comparing home warranties can be confusing and time-consuming. Exclusions, coverage limitations, and service fees are just a few of the essential factors to research.

To make it easier on you and give you a better understanding of what to look for, we evaluated the most popular companies in the industry and compiled a list of the top home warranty providers.

Our Top 10 Best Home Warranty Companies:

  • Choice Home Warranty - Best home warranty company overall
  • Select Home Warranty - Reasonably priced premiums and fees
  • American Home Shield - Best for customizable plans
  • Home Warranty of America - Best for comprehensive appliance coverage
  • First American Home Warranty - Best for high payout caps
  • Home Service Club - Best for covering pre-existing issues
  • ARW Home - Best variety of warranties
  • Liberty Home Guard - Homeowners looking for a quick claims process
  • 2-10 Home Buyers Warranty - Best for fast service
  • AFC Home Club - Contractor selection and repair gurantees
Extended Holiday Sale
1
Choice Home Warranty -Award-winning provider with comprehensive coverageRead review
  • Cyber Monday Sale: $75 off + 1 month free
  • 15,000+ local pre-screened technicians
  • Handled over 6,600,000 service requests
  • Covers over 2 million homes across America
exceptional
9.9
Visit Site
2
Select Home Warranty -For excellent coverage at the lowest priceRead review
  • 24/7 claims + $150 off any plan
  • Will beat any competitor's price
  • AC, heat, and appliance coverage
excellent
9.0
Visit Site
3
American Home Shield -Over 50 years of industry experienceRead review
  • $50 off all plans
  • $4 billion in paid claims over 7 years
  • 2 million members across the U.S.
excellent
9.0
Visit Site
4
Home Warranty of America -25+ years of dedicated service in protecting homes from unexpected repair billsRead review
  • $150 off + 1 month free
  • 25,000+ technicians nationwide
  • 24/7 home warranty service
very good
8.7
Visit Site
5
First American Home Warranty -Experienced provider offering unique, custom plansRead review
  • Unlimited service calls
  • 24/7 service requests
  • Will replace systems that can't be repaired
very good
8.8
Visit Site
6
Home Service Club -Quick signup process, ensuring thorough & dependable coverage for home appliancesRead review
  • $75 off + 1 month free
  • Fix or replace guarantee
  • Covers all models and makes
very good
8.8
Visit Site
7
ARW Home -Cover your systems with a subscription protection planRead review
  • $200 off of any plan for a limited time
  • Forbes Home 'Best of 2022' winner
  • 4-in-1 bundle includes all major appliances
good
8.1
Visit Site
Call855-960-6658855-960-6658
8
Liberty Home Guard -Flexible policies at reasonable pricesRead review
  • 24/7 claims and dedicated account management
  • 4.7/5.0 on Google with 5,500+ reviews
  • Offers home insurance quotes, sponsored by Progressive
very good
8.7
Visit Site
9
2-10 Home Buyers Warranty -Covers both new and pre-owned propertiesRead review
  • Pays 97.5% of claims
  • Flexible cancellation policy
  • Get 1 month free
very good
8.5
Visit Site
10
AFC Home Club -Home warranty coverage with bonus shopping discountsRead review
  • Save up to $250 on coverage
  • Choose your own technicians
  • Lifetime work guarantee on repairs
very good
8.6
Visit Site
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Our Review Methodology: Evaluating the Best Home Warranty Companies

It's important that you get the best advice and information when comparing home warranty companies. That's why, in addition to the major criteria in our list below, we also considered public customer reviews and drew on industry expertise to recommend only top-quality services. Our methodology is based on the following factors:

  • Average annual premium
  • Number of contractors
  • Service call fee
  • When service requests can be made
  • Coverage span
  • Types of available plans (premier, gold, platinum, etc.)

Our Top 10 Best Home Warranty Companies - Quick Reviews:

    1
    Choice Home Warranty
    Choice Best Home Warranty Companies
    Choice provides full coverage for lessVisit Site
    • Best for - Homeowners seeking affordable full-home coverage
    • Average annual premium - $476–$660
    • Service requests - 24/7 online and by phone
    Choice provides full coverage for less
    Visit Site

    Choice Home Warranty is a budget-friendly option ideal for first-time homeowners. Choose between their customizable Basic Plan (12 items) and Total Plan (16 items) to receive up to $3,000 in coverage for each successful claim.

    Jake Hill, CEO of DebtHammer, highlights that Choice Home Warranty is also "especially helpful for owners of older homes" since they don't "deny coverage based on the age of your home's systems or appliances."

    Instead of varying their service fees, they only charge a flat $85 per claim. You also get your first month free if you're a new customer.

    Why we chose Choice Home Warranty: A stand-out from other services, Choice Home Warranty responds swiftly to queries and claims, delivers reliable customer service, and has affordable annual premiums.

    Our experience: We were impressed with Choice Home Warranty's fast turnaround time when submitting online and phone claims. The support specialists we worked with were knowledgeable and quickly provided helpful information.

    Read Choice Home Warranty Review

    PROS

    Low premiums
    First month free
    24/7 online and phone home warranty resolutions

    CONS

    Coverage limits of $250 to $3,000 per item
    Not available in California
    choice-home-warranty logo
    Choice Home Warranty
    Visit Site
    2
    Select Home Warranty
    Select Best Home Warranty Companies
    Select offers affordable premiums and fees Visit Site
    • Best for - Customers seeking affordable premiums and fees
    • Average annual premium - $432–$756
    • Service requests - 24/7 online and by phone
    Select offers affordable premiums and fees
    Visit Site

    Select Home Warranty provides competitively priced coverage for most major appliances and systems. Their premiums start at just $36/month, which is more affordable than other home warranty companies.

    Jennifer Spinelli, real estate professional, investment advisor, and founder and CEO of Cash For Houses, calls Select Home Warranty "reliable and trustworthy." She adds that she no longer worries about "costly repairs or replacements due to breakdowns or malfunctions."

    Three different plans are available and all of them include free roof leak coverage. However, Select Home Warranty's services aren't available in Nevada, Washington, or Wisconsin.

    Why we chose Select Home Warranty: Their affordable premiums and minimal fees elevate them above their competitors. It's also convenient that they offer two months free with their annual plan.

    Our experience: We were particularly impressed with Select Home Warranty's 24/7 friendly phone support and free roof leak coverage. 

    Read Select Home Warranty Review

    PROS

    Affordable premiums and fees
    24/7 phone support
    Free coverage for roof leaks

    CONS

    Low coverage limits
    Not available in Nevada, Washington, or Wisconsin
    select-home-warranty logo
    Select Home Warranty
    Visit Site
    3
    American Home Shield
    American home shield Best Home Warranty Companies
    Customizable plans with adjustable service fees Visit Site
    • Best for - Customizable plans
    • Average annual premium - $500–$700
    • Service requests - 24/7 online and by phone
    Customizable plans with adjustable service fees
    Visit Site

    Operating since 1971, American Home Shield is the largest and most established company in the US home warranty market, with over two million members.

    Tommy Gallagher, former investment banker and founder of Top Mobile Banks, was "impressed with the range of contractors they have available and the quality of service they provide."

    Choose from their three customizable plans—ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan only covers 14 major systems, while the ShieldGold plan covers 23. 

    For additional perks, ShieldPlatinum comes with complete system and appliance coverage. This includes cost-saving add-ons like free HVAC tune-ups, unlimited A/C refrigerant, coverage for rooks leaks and code violations, and higher payout caps for repairs and replacements.

    Why we chose American Home Shield: They operate in 47 states and Washington DC, and you can customize your plan. American Home Shield automatically covers duplicate items, plus older items with rust or corrosion.

    Our experience: We found American Home Shield to be an excellent option for anyone seeking highly customizable plans and access to an extensive network of contractors. We could easily find a plan that suited our needs.

    Read American Home Shield Review

    PROS

    Highly customizable plans
    Includes undetectable pre-existing conditions
    Covers older items, including rust and corrosion

    CONS

    No guarantee for repair times
    Not available in Alaska, New York City, or Hawaii
    american-home-shield logo
    American Home Shield
    Visit Site
    4
    Home Warranty of America
    Home Warranty of America
    Comprehensive coverage for all your appliancesVisit Site
    • Best for - Comprehensive appliance coverage
    • Average annual premium - $550-$720
    • Service requests - 24/7 online, by phone during normal business hours
    Comprehensive coverage for all your appliances
    Visit Site

    Home Warranty of America has comprehensive policies that cover most appliances and indoor systems. Offering up to $15,000 in annual coverage for repairs and replacements, they also have 24/7 online or phone service requests and a 30-day money-back guarantee.

    They may be a little pricier than some competitors, but you get a lot for your money—all plans come with a deductible per-service visit.

    Why we chose Home Warranty of America: Home Warranty of America provides nationwide service and is good value for money when covering all appliances.

    Our experience: We were impressed with Home Warranty of America's extensive coverage and efficient customer service. It was easy to set up a plan, and we appreciated their 30-day money-back guarantee.

    Read Home Warranty of America Review

    PROS

    Covers most home appliances
    High coverage limits
    30-day money-back guarantee

    CONS

    30-day waiting period
    10% cancelation fee
    home-warranty-of-america logo
    Home Warranty of America
    Visit Site
    5
    First American Home Warranty
    First American Best Home Warranty Companies
    Covers items regardless of ageVisit Site
    • Best for - High payout caps
    • Average annual premium - $360–$546
    • Service requests - 24/7 phone and online claims service No limit on number of service requests
    Covers items regardless of age
    Visit Site

    First American Home Warranty is an ideal choice for those seeking robust home protection for their systems and appliances. The company has been in business since 1984 and claims it's saved homeowners over $219 million in repair costs. 

    Coverage comes in the form of two basic plans and a premium plan. First American Home Warranty's best features include that they protect items regardless of age and replace faulty items with brand-new equivalents if they can't repair them.

    Why we chose First American Home Warranty: First American Home Warranty offers specialized plans for both real estate professionals and service providers. They also have 24/7 claims service, fully vetted tradespeople, and a transparent application process.

    Our experience: We liked First American Home Warranty's response times, which were significantly faster than other companies.

    Read First American Home Warranty Review

    PROS

    24/7 claims service
    Fully vetted tradespeople
    Low pricing and service fees

    CONS

    Difficult to understand pricing breakdown without a personal quote
    Their app is poorly rated
    first-american-home-warranty logo
    First American Home Warranty
    Visit Site
    6
    Home Service Club
    Home Service Club’s Best Home Warranty Companies
    HSC offers unique coverage options nationwideVisit Site
    • Best for - Homeowners looking for extensive coverage options
    • Average annual premium - $552-$799
    • Service requests - 24/7 online, by phone during normal business hours
    HSC offers unique coverage options nationwide
    Visit Site

    Home Service Club (HSC) offers two service plans: Standard and Comprehensive. The Standard plan covers 18 basic appliances and systems, while the Comprehensive plan covers 33. Optional add-ons, such as pool and roof coverage, are available for an extra fee.

    HSC's unique plans include pest damage and utility line cover, setting them apart from other home warranty services. You can also choose your service fee amount from three options ($65, $95, and $125), and all repairs have a 90-day guarantee.

    However, HSC charges higher service fees and premiums than average. You must also live in a single-family residence, condo, townhouse, or multi-family property to qualify for a plan.

    Why we chose Home Service Club: HSC has a broad selection of optional add-ons, including coverage of gas lines, grinder pumps, ductwork, pools, and spas. Additionally, the company's services are available nationwide with no exclusions.

    Our experience: We appreciated that HSC provides coverage for pest damage, which many competitors don't. 

    Read Home Service Club Review

    PROS

    Provides coverage for pest damage
    Available nationwide
    90-day workmanship guarantee on all repairs

    CONS

    High base premiums and service fees
    Don't list pricing on the website
    home-service-club logo
    Home Service Club
    Visit Site
    7
    ARW Home
    ARW Home Warranty
    Choose your own contractor for repairs Visit Site
    • Best for - Customizing your home warranty and choosing your contractor
    • Average annual premium - $300–$1,560
    • Service requests - 24/7, 365 days/year
    Choose your own contractor for repairs
    855-960-6658Visit Site

    ARW Home (formerly American Residential Warranty) is an ideal choice if you prefer to customize your plans. With four standard plan types and a wide range of add-ons, you can tailor-make an effective solution that meets your needs.

    Their service fees are competitively priced at around $55 per call, and you can expect a technician on site within 48 hours. The only downside is that all claims must be filed via phone, and cancellation notices must be sent in writing.

    Why we chose ARW Home: ARW Home stands out for its flexible plans with plenty of additional coverage options. Its service call fee is also much lower than other companies.

    Our experience: We were impressed with the level of customization available with ARW Home. The range of plans enabled us to design exactly the type of financial protection we needed according to our budget.

    Read ARW Home Review

    PROS

    Choose your own contractor
    Optional coverage available for electronics
    Build custom plans with additional coverage options

    CONS

    30-day waiting period for new customers
    30-day waiting period for new customers10% cancellation fee may apply
    arw-home logo
    ARW Home
    855-960-6658Visit Site
    8
    Liberty Home Guard
    Liberty Home Best Home Warranty Companies
    Live chat customer serviceVisit Site
    • Best for - Homeowners looking for reliability, reviews & quick claims process
    • Average annual premium - $365–$699.99
    • Service requests - 24/7 online and by phone
    Live chat customer service
    Visit Site

    With high ratings and great reviews, Liberty Home Guard has a reputation for delivering reliable service to customers. 

    They have three plans available (Systems Guard, Appliance Guard, and Total Home Guard) with optional financial protection for roof leaks, standalone freezers, generators, carpet cleaning, and power washing. New policyholders also get free limited roof leak protection and two free months of coverage.

    Liberty Home Guard's exceptional claims process sets them apart from other home warranty providers. They have a 24/7 call center and guarantee to assign a contractor to a claim within 24 to 48 hours. They also have a network of over 10,000 qualified technicians in all 50 states.

    Liberty Home Guard has launched a comprehensive mobile app, revolutionizing how homeowners manage their home warranty accounts, file claims, and access real-time information. The app offers features like effortless access to warranty details, efficient claims management, streamlined payment tracking, seamless communication with technicians, real-time notifications, and a wealth of knowledge on home maintenance.

    Why we chose Liberty Home Guard: Liberty Home Guard's rates start at just $1/day, and their technicians arrive within 24 to 48 hours of claim submissions.

    Our experience: We were pleased with Liberty Home Guard's reliability, rapid claims processing, and excellent customer service.

    Read Liberty Home Guard Review

    PROS

    Excellent customer service
    Currently offers two free months
    Highly rated by customers

    CONS

    Not available in Wisconsin
    Fewer technicians compared to other companies
    liberty-home-guard logo
    Liberty Home Guard
    Visit Site
    9
    2-10 Home Buyers Warranty
    High annual coverage limit in 48 statesVisit Site
    • Best for - Customers seeking high coverage limits and fast service
    • Average annual premium - $239.88-$720
    • Service requests - 24/7 online and phone
    High annual coverage limit in 48 states
    Visit Site

    2-10 Home Buyers Warranty has 40 years of experience in the home warranty industry. It offers 3 plan tiers for $19.99 per month, $51 per month, and $60 per month. Service fees are adjustable, ranging from $65–$100 per visit, but the base fee is $85. 2-10 HBW offers a generous $25,000 annual coverage limit, so you’re protected in case of multiple appliance or system failures.

    To start, simply visit 2-10 HBW’s website or call customer service. You can purchase a warranty anytime, whether you are buying, selling, or currently living in your home. Support is available 24/7, and you can expect a service call within 24–48 hours of submitting your claim.

    Benefits:

    • Annual coverage limit up to $25,000

    • Covers everyday wear and tear

    • Refund for service fee if an item isn’t covered

    • Customers receive discounts on GE and Whirlpool appliances

    Plans and Pricing:

    2-10 Home Buyer’s Warranty offers three plans and optional add-on coverage.

    • Simply Kitchen: Covers six kitchen appliances

    • Complete Home: Covers 22 appliances and home systems, including all those covered by the Simply Kitchen plan

    • Pinnacle Home: Covers 32 appliances and home systems, including all those covered by the Complete Home plan

    States Serviced:

    2-10 Home Buyers Warranty is availalbe in 42 states, but is not available in Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, and Wyoming. 

    Read 2-10 Home Buyers Warranty Review

    PROS

    Available in 48 contiguous states
    Purchase a plan anytime
    $25,000 annual coverage limit

    CONS

    Expensive annual premium
    High base service fee
    2-10-home-buyers-warranty logo
    2-10 Home Buyers Warranty
    Visit Site
    10
    AFC Home Club
    AFC Best Home Warranty Companies
    Choose your own contractorVisit Site
    • Best for - Choose your own contractor
    • Average annual premium - From about $350/year
    • Service requests - Online or phone 24/7
    Choose your own contractor
    Visit Site

    Offering coverage for a wide range of systems and appliances, AFC Home Club could provide essential peace of mind if one of the key items in your home were to fail. It offers 4 plan types (Systems, Silver, Gold, and Platinum), with each providing 24/7 in-house claims support. 

    Although its prices are roughly in line with industry standards, the provider does have a number of advantages over its rivals, including the longest workmanship guarantee in the industry and a range of attractive benefits.

    Benefits:

    • Guaranteed repairs for the life of your plan

    • 24/7 customer service and claims service

    • Choose your own contractor for services

    • Multiple plan options and add-ons

    Plans and Pricing:

    AFC Home Club offers four plans and optional add-on coverage.

    • Systems Plan: Covers six home systems

    • Silver Plan: Covers eight appliances

    • Gold Plan: Covers all appliances and home systems included in the Systems and Silver Plans

    • Platinum Plan: Covers 17 appliances and home systems, including all those covered by the Gold Plan

    States Servicedd:

    AFC Home Club services all states except Hawaii.

    Read AFC Home Club Review

    PROS

    Home inspection/maintenance records not required
    Unlimited number of service requests
    Freedom to choose own contractor

    CONS

    Live chat not available
    App not available
    afc-home-club logo
    AFC Home Club
    Visit Site


Comparing the Top Home Warranty Companies

Now that you have more information about the top 10 home warranty companies, it’s time to compare them. The home warranties chart below outlines each company’s features and services, including coverage details, average annual premiums, and customer experiences.

When reviewing the chart, consider the coverage inclusions and limitations. Look closely at service fees to ensure you don't overpay for actual repairs in an attempt to save on the annual premium. Finally, read customer reviews to learn how each company performs and the quality and timeliness of their repairs. With this information, you can effortlessly determine which company offers the best plans at the most affordable prices.

Compare the Top Home Warranty Companies
1
Choice Home Warranty
2
Select Home Warranty
3
American Home Shield
4
Home Warranty of America
5
First American Home Warranty
6
Home Service Club
7
ARW Home
8
Liberty Home Guard
9
2-10 Home Buyers Warranty
10
AFC Home Club
Reviews142 reviews127 reviews25 reviewsWrite Review56 reviews17 reviewsWrite Review59 reviews18 reviews19 reviews
Best for
Homeowners seeking affordable full-home coverage
Customers seeking affordable premiums and fees
Customizable plans
Comprehensive appliance coverage
High payout caps
Homeowners looking for extensive coverage options
Customizing your home warranty and choosing your contractor
Homeowners looking for reliability, reviews & quick claims process
Customers seeking high coverage limits and fast service
Choose your own contractor
Average annual premium
$476–$660
$432–$756
$500–$700
$550-$720
$360–$546
$552-$799
$300–$1,560
$365–$699.99
$239.88-$720
From about $350/year
Contractors
15,000 in-network
10,000 in-network
17,000 vetted contractors
Provided by Home Warranty of America
Fully vetted network
15,000 in-network
Unlimited (choose your own)
10,000 in-network
6,000 in-network
Choose your own
Service call fee
$75-$125
$60-$75
$75-$125
$75-$125
$85
$65-$125
$55-$75
$65-$125
$65–$100
$75 to $125
Service requests
24/7 online and by phone
24/7 online and by phone
24/7 online and by phone
24/7 online, by phone during normal business hours
24/7 phone and online claims service No limit on number of service requests
24/7 online, by phone during normal business hours
24/7, 365 days/year
24/7 online and by phone
24/7 online and phone
Online or phone 24/7