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.
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
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.
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.
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.
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.
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.
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.
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
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.
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.
| Compare the Top Home Warranty Companies | 1  | 2  | 3  | 4  | 5  | 6  | 7  | 8  | 9  | 10  |
|---|---|---|---|---|---|---|---|---|---|---|
| Reviews | 118 reviews | 100 reviews | 25 reviews | 13 reviews | Write Review | 44 reviews | Write Review | Write Review | 18 reviews | 19 reviews |
Best for | Homeowners seeking affordable full-home coverage | Customers seeking affordable premiums and fees | Customizable plans
| High payout caps |
Homeowners looking for extensive coverage options
| Homeowners looking for reliability, reviews & quick claims process | Workmanship guarantee | Lower service fees | Customers seeking high coverage limits and fast service | Choose your own contractor |
Average annual premium | $476–$660 | $404.99-$756 | $500–$700 | $372-$546 | $552-$799 | $499.99-$699.99 | $335.88-$1,163.88 | $420-$540 | $239.88-$720 | $345-$550 |
Contractors | 15,000 in-network | 10,000 in-network | 17,000 vetted contractors
| Fully vetted local network
| 15,000 in-network | 10,000 in-network | 19,000 in-network | 15,000 in-network | 6,000 in-network | Both in- and out-of-network (number unspecified) |
Service call fee | $75–$85 | $60-$75 | $75-$125 | $85 | $65-$125 | $75-$150 | $100, $125 or $150 | $60–$75 | $65–$100 | $75-$125 |
Service requests | 24/7 by phone and online | 24/7 online and phone | Online or phone, 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 | Phone or online, 24/7 | 24/7 online and phone | Phone or email, 24/7 | 24/7 online and phone | Online or phone 24/7 |
A home warranty is a way to protect yourself against the potentially high costs of unforeseeable issues with your home. When an appliance breaks or you need repairs to an important home system like your heating or AC system, a home warranty pays for some or all of the repairs or replacements.
For homeowners who have enough to worry about, these policies can provide valuable peace of mind. In addition, many policies offer a 24/7 claims service so that you can get h
