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Top 10 Best Home Warranty Companies 2022 - Plans, Comparison & Reviews

Michael Graw
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A home warranty policy plays an important role in protecting your wallet from potentially costly issues with your home. But choosing the right home warranty for your needs can be challenging. After all, most homeowners don’t have a list on their fridge of all the potential problems that could arise or how much it might cost to fix them.


That's why we’ve done the hard work of identifying the best home warranty companies for you, regardless of the type of home you have or are planning to purchase. 


Here's a look at the 10 best home warranty companies of 2022:

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Our Top 10 Best Home Warranty Companies

  • 1
    Choice Home Warranty

    Choice Home Warranty

    • Best forHomeowners seeking affordable full-home coverage
    • Average annual premium$476–$660
    • Service requests24/7 by phone and online

    Choice Home Warranty offers affordable plans that cover most of your major appliances and systems. In addition, new customers qualify for a free month of coverage. You can submit a claim 24/7 online or via phone, and a service provider will contact you within 48 hours. However, services are not available in Washington or California, and Choice limits coverage to $3,000 per item per contract term.

    Key Benefits:

    • Customizable plans
    • 24/7 claims support
    • Coverage of up to $3,000 for appliances

    • Affordable service fee

    Plans and Pricing:

    Choice Home Warranty offers two plans, both of which can be customized for home systems like sump pumps and central vacuums.

    • Basic Plan: Covers 12 systems and appliances

    • Total Plan: Covers 16 systems and appliances, including everything covered by the Basic Plan

    States Serviced:

    Available in all states except Washington

    Pros
    • Low premiums
    • First month free
    • 24/7 online and phone claims support
    Cons
    • Coverage limit of $250–$3,000 per item
    • Not available in Washington
  • 2
    Select Home Warranty

    Select Home Warranty

    • Best forCustomers seeking affordable premiums and fees
    • Average annual premium$404.99-$756
    • Service requests24/7 online and phone

    Excluding Washington, Wisconsin, Nevada, and New York, Select Home Warranty provides coverage nationwide. Homeowners can choose between 3 different plans that cover most major appliances and systems. Although it offers discounts that make its premiums affordable, its coverage limits are lower than those of many competitors. However, Select includes free roof leak coverage with all of its plans and 24/7 customer service support via phone.  

    Benefits:

    • Two months of free coverage with annual plan

    • Free roof leak coverage

    • Affordable plan for appliances only

    • 24/7 claims support

    Plans and Pricing:

    Select Home Warranty offers three plans, all of which come with roof leak coverage.

    • Bronze Care: Covers nine appliances plus AC and plumbing systems

    • Gold Care: Covers six home systems and no appliances

    • Platinum Care: Covers all appliances and home systems included in Bronze Care and Gold Care plans

    States Serviced:

    Select Home Warranty has services available in all 50 states, including Washington, D.C.

    Pros
    • Affordable premiums and fees
    • 24/7 phone support
    • Free roof leak coverage
    Cons
    • Low coverage limits
    • Not available in Nevada, New York, Washington, or Wisconsin
  • 3
    American Home Shield

    American Home Shield

    • Best forCustomizable plans
    • Average annual premium$500–$700
    • Service requestsOnline or phone, 24/7

    American Home Shield offers you flexible, customizable cover with additional bolt-on plans and adjustable service fees. Although its contractor network of 17,000 isn’t the biggest out there, its 24/7 service—available by phone or online—means it can be on hand for you when needed. Despite some poor customer reviews, American Home Shield still has 1.8 million members and has been operating for over 50 years. Its offers and incentives, including friend referral and a $50 discount for additional home cover, could make this an attractive choice if you’re looking for cover you can tweak to suit your needs. 

    Benefits:

    • Highly customizable plans when compared to other home warranty companies

    • Trade service fees are adjustable

    • Annual discounted HVAC tune-ups

    • Covers unknown pre-existing conditions

    Plans and Pricing:

    American Home Shield offers three home warranty levels of coverage.

    • ShieldSilver Plan: Covers  home systems, including electrical, plumbing and HVAC systems

    • ShieldGold Plan: Kitchen and laundry applicance coverage in addition to items covered by ShieldSilver

    • Shield Platinum Plan: Same coverage as ShieldSilver and ShieldGold, but with higher coverage limits and coverage for leaking roof repairs.

    States Serviced:

    American Home Shield offers coverage in 49 sates, excluding Alaska.

    Pros
    • A range of add-on plans to customize your cover
    • Automatically covers duplicates of the same item
    • Covers older items, including rust and corrosion
    Cons
    • No repair timeframe guarantee
    • Some negative customer reviews
  • 4
    First American Home Warranty

    First American Home Warranty

    • Best forHigh payout caps
    • Average annual premium$372-$546
    • Service requests24/7 phone and online claims service No limit on number of service requests

    With more than 35 years’ experience, First American Home Warranty is a robust offering for those seeking strong all-round protection for their systems and appliances. Among its most attractive features are its promises to cover items regardless of age and to replace items that are beyond repair with a brand new equivalent.

    Although there are maximum payouts for multiple items, these are highly reasonable and affordable. Thanks to its clear and transparent application process, customers should also be well aware of which items fall within their coverage plans and which do not.

    Benefits:

    • Specialized plans for home buyers and sellers

    • First Class Upgrade add-on covers improper system installations

    • Up to $3,500 in coverage for most appliances

    • Competitive pricing and service fees

    Plans and Pricing:

    First American Home Warranty offers two plans, one of which specifically focuses on protecting your appliances.

    • Basic Plan: Covers eight appliances

    • Premier Plan: Covers everything included in the Basic Plan plus eight home systems

    States Serviced:

    First American Home Warranty is available in all states except Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin. 

    Pros
    • 24/7 claims service
    • Fully vetted tradespeople
    Cons
    • Only 2 standard plans
    • App not available
  • 5
    Home Service Club

    Home Service Club

    • Best for Homeowners looking for extensive coverage options
    • Average annual premium$552-$799
    • Service requests24/7 online and by phone during normal business hours

    Since 2008, HSC has provided home warranty coverage to homeowners nationwide. Its two service plans cover most of your home’s major appliances and systems. Although its premiums and service fees are higher than many of its competitors, it offers promotions to make its plans more affordable. With HSC, you can get coverage for pest damage as well as unique optional features such as utility line coverage. You can submit a claim online 24/7, and HSC will schedule your service request within 12 to 48 hours. 

    Benefits:

    • Covers damage that predates your policy

    • Service claims are addressed within 48 hours

    • 90-day warranty for services

    • Pest and utility line coverage available

    Plans and Pricing:

    Home Service Club offers two plans and you can add optional pest and utility line coverage to either of them.

    • Standard Coverage: Covers 12 appliances and home systems

    • Comprehensive Coverage: Covers 31 appliances and home systems, including all those in the Standard Coverage plan

    States Serviced:

    Home Service Club is available in all 50 states, including Washington, D.C.

    Pros
    • Provides coverage for pest damage
    • Available nationwide
    • 90-day workmanship guarantee on all repairs
    Cons
    • High base premiums and service fees
    • No 24/7 phone support
  • 6
    Liberty Home Guard

    Liberty Home Guard

    • Best forHomeowners looking for reliability, reviews & quick claims process
    • Average annual premium$499.99-$699.99
    • Service requestsPhone or online, 24/7

    Liberty Home Guard has an excellent reputation with its customers, a great customer service offering, and a host of deals and discounts when you purchase a plan. For example, you’ll get 2 free months when you purchase a year’s worth of cover. Although Liberty Home Guard has a slightly smaller network of technicians than some competitors, you can source your own technicians, too. 

    Benefits:

    • Inspection not required for coverage

    • Two months of free coverage when you pay annually

    • Wide selection of add-ons available

    • 10,000 in-network technicians in 48 states

    Plans and Pricing:

    Liberty Home Guard offers two plans and you can add optional pest and utility line coverage to either of them.

    • Appliance Guard: Covers nine appliances

    • Systems Guard: Covers six home systems

    • Total Home Guard: Covers all appliances and home systems included in the Appliance Guard and Systems Guard plans

    States Serviced:

    Liberty Home Guard doesn't offer services in Washington and Wisconsin, but is available in 48 states including Washington, D.C.

    Pros
    • Excellent customer service
    • 2 free months with annual billing
    • Highly rated by customers
    Cons
    • Not available in 3 states (WA, WY, WI)
    • Lower number of technicians
  • 7
    Cinch Home Services

    Cinch Home Services

    • Best forWorkmanship guarantee
    • Average annual premium$335.88-$1,163.88
    • Service requests24/7 online and phone

    Since 1978, Cinch Home Services has provided home warranty services to homeowners nationwide. It offers 3 plans that cover most of your home’s major appliances and systems. While its service fees are on par with most of its competitors, Cinch’s premiums can be very affordable depending on your state.

    Unlike many of its competitors, it provides coverage for corrosion and rust damage as well as pre-existing conditions. You can submit a claim 24/7, and best of all, Cinch’s 180-day service guarantee ensures that you keep your service fees low for repeat calls.

    Benefits:

    • 180-day warranty for services

    • Covers unknown pre-existing conditions

    • 24/7 claims support with service in as little as two hours

    • Free leak detection sensor with every plan

    Plans and Pricing:

    Cinch Home Services offers three plans, all of which offer new customers their first two months free when paying annually. 

    • Appliances: Covers 11 appliances

    • Built-in Systems: Covers 16 home systems 

    • Complete Home: Covers everything included in the Appliances and Built-in Systems plans

    States Serviced:

    Cinch Home Services is available in 47 states, including Washington, D.C, but is not available in Alaska, India or Hawaii.

    Pros
    • Covers rust and corrosion damage and pre-existing conditions
    • 180-day workmanship guarantee
    • First 2 months free on all plans
    Cons
    • Not available in Alaska or Hawaii
    • Not as many add-ons offered as some competitors
  • 8
    First Premier

    First Premier

    • Best forLower service fees
    • Average annual premium$420-$540
    • Service requestsPhone or email, 24/7

    First Premier Home Warranty has reasonable prices that are slightly cheaper than some competitors, and two free months included with your plan, making it a good choice if you’re on a budget. Its basic plan, Premier, includes a decent range of appliances and systems, with the option of upgrading or adding extras if you need more cover. 

    There’s also a 30-day guarantee on labor and a 90-day guarantee on parts. While the contractor network isn’t the biggest out there, First Premier aims to get your problems looked at within 48 hours.

    Benefits:

    • Very affordable service fee

    • 24/7 customer support and claims service

    • 90-day warranty on repairs

    • Wide range of add-on coverage options

    Plans and Pricing:

    First Premier offers two plans, both of which offer your first two months free when you pay annually.

    • Premier Plan: Covers 15 appliances and home systems

    • Premier Platinum Plan: Covers 20 appliances and home systems, including all those covered by the Premier Plan

    States Serviced:

    First Premier Home Warranty is available in 32 states

    Pros
    • $60 service fee
    • Two free months
    • Quick customer service response
    Cons
    • Full details not on website
    • Not many plan options
  • 9
    2-10 Home Buyers Warranty

    2-10 Home Buyers Warranty

    • Best forCustomers seeking high coverage limits and fast service
    • Average annual premium$239.88-$720
    • Service requests24/7 online and phone

    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. 

    Pros
    • Available in 48 contiguous states
    • Purchase a plan anytime
    • $25,000 annual coverage limit
    Cons
    • Expensive annual premium
    • High base service fee
  • 10
    AFC Home Club

    AFC Home Club

    • Best forChoose your own contractor
    • Average annual premium$345-$550
    • Service requestsOnline or phone 24/7

    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.

    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
Breaking Down our Top10 Choices: Which is Best For Your Needs:
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Choice Home Warranty-Affordable full-home coverage
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Select Home Warranty-Reasonably priced premiums and fees
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First American Home Warranty-Lower costs for premium plans
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Home Service Club-Comprehensive nationwide coverage
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Liberty Home Guard-Reliability, reviews & claims process
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Cinch Home Services-Comprehensive workmanship guarantee
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First Premier-Coverage on a budget
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2-10 Home Buyers Warranty-Affordable appliance and system coverage
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AFC Home Club-Contractor selection and repair gurantees
Compare the Top Home Warranty Companies
1
Choice Home Warranty
2
Select Home Warranty
3
American Home Shield
4
First American Home Warranty
5
Home Service Club
6
Liberty Home Guard
7
Cinch Home Services
8
First Premier
9
2-10 Home Buyers Warranty
10
AFC Home Club
Reviews