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.
Regardless of the type of home you have or are planning to purchase, we’ve done the hard work of identifying the best home warranty companies for you.
On this page, you can find our reviews of the best home warranty companies, features, plans, and costs. So, you can read research and compare brands using the handy comparison table and choose the most suitable home warranty plan.
Here's a look at the 10 best home warranty companies of 2023:
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:
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
Why we chose Choice: Super quick response time
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.
Why we chose Select: Low deductible
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.
Why we chose American Home Shield: Coverage in the majority of states, including Washington D.C.
Home Warranty of America offers comprehensive home warranty policies that cover most appliances and home systems. The company accepts service requests 24/7 online and by phone and automatically assigns a licensed technician to address your issue. Home Warranty of America provides up to $15,000 in annual coverage for repairs and replacement.
Home Warranty of America plans are more expensive than those of some competitors, in part because the company provides such extensive coverage. All plans come with a deductible for each service visit as well as a 30-day money-back guarantee. Overall, Home Warranty of America provides good value for your money if you want protection for all your appliances.
Why we chose Home Warranty of America: Nationwide coverage
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.
Why we chose First American: One of the oldest home warranty brands in the business
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.
Why we chose Home Service Club: Home inspection not required before signing up
ARW is an excellent home warranty option for those seeking extensive coverage and a variety of plan options. Six standard plans are available, and you can choose from a number of unique add-ons, such as the Ultimate Electronics Protection, the Deluxe Advantage Package, food spoilage coverage, and more.
The biggest downside to ARW is that you can only file claims via phone. However, ARW will usually get a service tech out to you within 48 hours. Also, keep in mind that you’ll need to send a written notice to cancel your plan. But these are fairly small drawbacks for a plan that offers customizable, comprehensive coverage and service fees as low as $55.
Why we chose ARW: Competitive service call fee
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.
Why we chose Liberty: No contract requirement
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.
Why we chose Cinch: Unknown pre-existing conditions are covered
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
Why we chose First Premier: Affordability of coverage
| Compare the Top Home Warranty Companies | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Reviews | 142 reviews | 127 reviews | 25 reviews | Write Review | 56 reviews | 17 reviews | Write Review | 59 reviews | 20 reviews | Write Review |
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 | Workmanship guarantee | Lower service fees |
Average annual premium | $476–$660 | $404.99-$756 | $500–$700 | $550-$700 | $372-$546 | $552-$799 | $300-$1500 | $499.99-$699.99 | $335.88-$1,163.88 | $420-$540 |
Contractors | 15,000 in-network | 10,000 in-network | 17,000 vetted contractors
| Provided by Home Warranty of America | Fully vetted local network
| 15,000 in-network | Unlimited (Choose your own) | 10,000 in-network | 19,000 in-network | 15,000 in-network |
Service call fee | $75–$85 | $60-$75 | $75-$125 | $75-$125 | $85 | $65-$125 | $55-$75 | $75-$150 | $100, $125 or $150 | $60–$75 |
Service requests | 24/7 by phone and online | 24/7 online and phone | Online or phone, 24/7 | 24/7 | 24/7 phone and online claims service
No limit on number of service requests
| 24/7 online and by phone during normal business hours | 24/7, 365 days/year | Phone or online, 24/7 | 24/7 online and phone | Phone or email, 24/7 |
