A warranty can improve your property value and save you from unexpected home repair costs. From appliance damage by storms to your house's resale, there are multiple reasons why you should have a home warranty plan.
With the help of seasoned insurance producer and renovation specialist Sunday Odudu, we've selected five top home warranty services in Georgia. We chose them because they offer suitable coverage that can meet different home maintenance needs and budget constraints.
If you're looking for financial protection and peace of mind, explore our expert picks below.
» Check out our best home warranties for homeowners.
Our 5 Best Home Warranty Companies in Georgia in 2024:
- Choice Home Warranty - Best home warranty company in Georgia overall
- Select Home Warranty - Best for transparent pricing and 24/7 support
- American Home Shield - Best for large contractor networks
- Liberty Home Guard - Best for unique coverage options
- Home Warranty of America - Best for simplified claiming processes
How We Reviewed the Best Home Warranty Companies in Georgia - Our Methodology
Industry expert Sunday Odudu, who has over a decade of experience in insurance and home warranties, leads our team of researchers. His background equips him to evaluate these companies' offerings effectively. We also collaborate with other professionals to get well-rounded perspectives.
Evaluation Process
Our evaluation process involves gathering insights from multiple sources. The team connects with real customers to get first-hand insight into service responsiveness, claim processing, reliability, and satisfaction. In addition, we analyze academic studies and industry reports to benchmark these providers against the following criteria:
Evaluation Criteria
- Coverage for Georgia: Our team examines coverage for minor and major electrical appliances and systems, focusing on Georgia-specific needs by reviewing the state's unique climate and environmental factors.
- Pricing and cost: We look at each service's affordability and value and check that the pricing is transparent and easy to understand.
- Coverage details: Our team examines warranty coverage for your home's minor and major electrical appliances and systems.
- Exclusions and limitations: We also check what the warranty doesn't include, like preexisting conditions or stolen items, so you're not surprised later.
- Service quality and responsiveness: We scrutinize customer reviews to determine if the company is known for providing fast and helpful service.
- Contract terms and length: We inspect warranty contracts for details you need to know, like how long they last and how to renew or cancel them.
- Customer support and claims process: Our team tests how easy it is to file a claim, checks who's assigned to help customers, and surveys how quickly they handle queries.
- Company reputation and stability: We evaluate the company's history and financial stability to ensure it can help you when needed.
A Closer Look at Our Best Home Warranty Companies in Georgia in 2024: Our Quick Reviews
1. Choice Home Warranty
Best home warranty company in Georgia overall
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Budget-friendly plans for unique financial requirements
- Best for - Homeowners seeking affordable full-home coverage
- Average annual premium - $420–$720
- Contractors - 15,000 licensed contractors
- Service call fee - $65–$100
- Service requests - 24/7 online and by phone
Choice Home Warranty's Basic and Total plans protect various appliances and home systems like refrigerators, dishwashers, and plumbing. This is crucial for Georgian homeowners facing freezing temperatures and possible burst pipes.
Additionally, its service response time is quick as it has a large network of affiliated contractors. This ensures timely repairs and minimizes inconveniences for you when unexpected breaks occur.
Why we chose Choice Home Warranty: What makes Choice Home Warranty our number one option is its straightforward plan structure. This transparency makes it easy for you to understand the firm's coverage. It also has a money-back guarantee feature, so you can try its services risk-free and cancel if you're unsatisfied.
Client perspective: Mark (47) from Atlanta stated that "filing a claim online was easy." He was impressed with his plumber, who seemed "knowledgeable and warm." Mike said he was "very pleased with Choice Warranty because of this experience."
Choice Home Warranty's Plans and Coverage
Pros
60-day guarantee
No pest control limitations
Free roof leak protection up to $500
Cons
Garage doors and tracks are typically not covered
No flexibility for preferred service technician selection
2. Select Home Warranty
Best for transparent pricing and 24/7 support
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Warranty plans with various garden coverage for extreme weather climates
- Best for - Property buyers looking for quick response times
- Average annual premium - $432–$765
- Contractors - 10,000 in-network
- Service call fee - $60–$75
- Service requests - 24/7 online and by phone
What makes Select Home Warranty an ideal option for this rainy state is its free roof leakage repairs cover. Georgia-based Atlanta Property Inspections notes that homebuyers often miss irregularities in roofing materials.
It's also convenient that Select Home Warranty plans include coverage for pools and spas, which are popular during hot local summers. Septic systems, which can be at risk of overload in coastal areas due to seasonal increases in groundwater levels, are protected, too.
Why we chose Select Home Warranty: With flexible service fees, you can decide which price options suit you best when you need to pay for a technician visit. Select Home Warranty's comprehensive coverage spans various appliances, plumbing, and more, ensuring your plan has your back if things go wrong at home.
Client perspective: Janice (39) from Lawrenceville shared that she "likes how Select Home Warranty gave [her] a call and allowed [her] to ask questions." She also said the "agent was informative and knowledgeable about the company and the savings options." Overall, Janice was impressed by the "simple and easy" process.
Select Home Warranty Plans and Coverage
Pros
Local experienced contractors
Customizable plans
Multi-year discounts
Cons
Septic systems may not be included
Wine coolers are typically excluded
3. American Home Shield (AHS)
Best for large contractor networks
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Home coverage that caters to typical Georgia heavy, tropical storm damage
- Best for - Owner-occupiers who want basement flooding protection
- Average annual premium - $240–$1,080
- Contractors - 17,000 vetted contractors
- Service call fee - $75–$125
- Service requests - 24/7 online and by phone
American Home Shield doesn't require maintenance records before purchasing a contract. This can benefit homeowners who may not have access to their older property's information, especially in a state like Georgia, which has a diverse housing market with many historic homes.
American Home Shield offers three plan options for different home sizes, types, and budgets. The company also ensures robust protection with comprehensive plans covering 23 major home systems and devices.
Why we chose American Home Shield: AHS covers your appliances, systems, and unique conditions like rust, corrosion, and preexisting issues. The service's mobile app provides handy maintenance tips and repair guides at your fingertips.
Client perspective: Frank (61) from Valdosta wrote, "When I'm speaking to a customer service rep that's not outsourced, they're courteous. They understand if there's frustration." He also said his most recent renewal with the company "went smoothly."
American Home Shield Plans and Coverage
Pros
- Flexible service fee options
- 50+ years of experience
- Mobile app to submit service requests, track progress, and manage payments
Cons
Not BBB-accredited
Solar systems and components may be excluded
4. Liberty Home Guard (LHG)
Best for unique coverage options
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Unique coverage options like saltwater pools
- Best for - Purchasers who value client satisfaction
- Average annual premium - $600–$750
- Contractors - 10,000 in-network
- Service call fee - $65–$125
- Service requests - 24/7 online and by phone
With Liberty Home Guard, there aren't age restrictions on covered systems like washing machines or air conditioners, which is ideal if your appliance is nearing the end of its manufacturer's warranty. The service also has quick claim processing, which minimizes delays in repairs should you need them.
Liberty Home Guard provides emergency services for critical situations like electrical failures. Plus, it's one of our top home warranty services for HVAC units during extreme weather. Given Georgia's susceptibility to severe thunderstorms, LHG's lightning protection is also crucial for safeguarding electronic appliances.
Why we chose Liberty Home Guard: LHG offers affordable plans while keeping quality service. The firm provides double the usual repair warranty period with a 60-day workmanship guarantee. This means if issues return after a consultant has made repairs, you can have them fixed again at no extra cost.
Client perspective: Joshua (52) from McDonough is pleased with the "great customer service" and "all the help" he gets whenever he calls. He also appreciates the support representatives' "kindness and patience over the phone."
Liberty Home Guard Plans and Coverage
Pros
Positive customer reviews
Sump pump cover for flooding
60-day workmanship guarantee
Cons
Low coverage caps
Limited electrical and plumbing protection
5. Home Warranty of America (HWA)
Best for simplified claiming processes
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Transferable warranties with a money-back guarantee
- Best for - Covering older homes and appliances
- Average annual premium - $553–$720
- Contractors - N/A
- Service call fee - $75–$100
- Service requests - 24/7 online and by phone
Home Warranty of America (HWA) offers transferable warranties, which means you can pass on your warranty to the new owner when selling a property. This cover protects potential buyers from unexpected repair costs after moving in and can also increase your property value.
Home Warranty of America's exclusive GreenPlus Option is advantageous for environmentally-conscious homeowners in Georgia. It provides coverage for energy-efficient upgrades and eco-friendly appliances, aligning with Georgia's growing focus on sustainability.
Why we chose Home Warranty of America: Coastal Georgia residents are vulnerable to tropical storms. HWA covers home systems and appliances affected by wind damage and flooding, making it perfect for local owner-occupiers
Client perspective: Mandy (39) from Suwanee said she has "had HWA for five years" with "no problems in replacing fridge and dishwasher." She also mentioned that "sending out companies for service calls" has been hassle-free.
Home Warranty of America Plans and Coverage
Pros
No waiting period—cover begins immediately upon policy purchase
13-month plans available—extended cover beyond standard 12-months
No home inspection is required
Cons
Pest and termite damage not included
No optional add-on for roof leakages
» Find out if you can transfer your home warranty to a buyer.
Compare the Best Home Warranty Companies in Georgia
Why You Need a Home Warranty in Georgia
A home warranty is like insurance for your home's systems and appliances. It pays for the cost or a portion of the price of repairs if something breaks down. For example, hurricanes and tornadoes can damage your roof and electrical appliances, which can be very expensive to repair. Warranties take care of unexpected fees so you don't have to.
Transferrable warranties can also give new buyers peace of mind about acquiring your home when you're ready to sell. They'll know which appliances the warranty covers when purchasing the house from you.
Additionally, home warranty companies have relationships with repair companies. So they can send a trusted technician to your home quickly. This saves you the time of having to find someone.
» Want to relocate? Read what's important about home warranties when selling.
Regulations and Specifics for Georgia
In Georgia, home warranties are regulated under the Service Contract Provider Act and overseen by the Georgia Department of Insurance. To operate, companies must register with the department, prove financial stability, and inform customers about their contracts. Their terms should clearly outline what's covered, what isn't, and how to file claims.
The Georgia Department of Insurance investigates complaints and ensures compliance. These regulations aim to protect consumers and promote fairness in the home warranty industry, ensuring companies provide valuable coverage while maintaining clarity and accountability.
They also include consumer rights such as the ability to cancel and ways to resolve disputes. The rules and regulations of the state of Georgia are available online for you to read so you can make sure your investments and claims are handled legitimately.
What to Consider When Choosing a Home Warranty in Georgia
When selecting a home warranty in Georgia, look at a company's:
- Affordability: Monthly or yearly costs should fit within your financial situation so you can make payments and keep that security.
- Weather-specific coverage: Look for plans that include protection against extreme weather conditions typical in Georgia. You want plumbing, appliances, electrical, and property damage included in case of destructive weather like hurricanes, tornadoes, heavy rainstorms, or heat waves.
- Service fees: Compare service fees and deductibles across companies to get a good idea of where you may experience extra charges and what they're for.
- Reputation: Read what actual Georgia homeowners say about customer service and claims. Reviews from real customers can show you what to expect from that company.
- Limits and exclusions: Understand the facts about home warranties for preexisting conditions. Make sure you're aware of limitations specific to Georgia, such as coverage for pest or termite damage frequently found in the state.
- Georgia-specific home systems: Choose a warranty that covers home systems prone to issues in Georgia's climate, such as air conditioning and heating systems for managing hot summers and cold winters effectively. Additionally, you'll want to include your plumbing systems to address high humidity and water damage.
- Local contractor networks: Opt for a home warranty provider with a network of licensed contractors familiar with Georgia's building codes and environmental challenges.
- Response time in Georgia: Prioritize a warranty company known for prompt response times, considering the unpredictable nature of Georgia's weather. Look for 24/7 availability, including weekends and holidays, to address urgent repair needs.
How Much Do Home Warranties Cost in Georgia?
The average cost of a home warranty in Georgia falls between $40 and $60 per month, with annual plans costing around $600. However, prices can range from $240 to $1,080 annually, depending on:
- Plan coverage: Basic plans that cover just essential appliances and systems are less expensive than more comprehensive ones.
- Home size and age: Bigger and older homes usually need more coverage, which can raise the insurance cost.
- Location: Costs may vary across Georgia since they're influenced by local weather or the availability of service providers.
- Deductible: A higher deductible can reduce your monthly payments but mean you'll pay more when you need to make a claim.
- Company reputation and service network: Larger, well-known companies might cost more than smaller services.
Plans That Protect What Matters Most
Home warranties are vital for Georgia homeowners. They protect against unexpected repair costs due to weather and appliance failures. When you choose a provider, factors like coverage, fees, and reputation are crucial, so base your decision on your unique needs.
While these are our top choices, compare all your options to find the right fit. Your home warranty should give you peace of mind and safeguard your property and finances.
» Try these DIY ideas to increase your home's value.
FAQs
What are common home warranty claims in Georgia?
Georgia homeowners often claim for electrical home systems like heating, cooling, and plumbing issues. They also encounter problems and deterioration with household appliances like refrigerators, ovens, and dishwashers. These components can be damaged by extreme weather and experience wear and tear over time, leading to breakdowns or malfunctions.
Are labor costs included in warranty claims?
Yes. Labor costs are typically included in home warranty claims. When you need a repair or replacement, the price of parts and labor are usually taken care of unless otherwise specified in your original agreement.
What are the benefits of a home warranty in Georgia?
Warranties provide financial relief by covering repair costs for major systems and appliance failures due to unpredictable weather. Georgians experience extreme climates, with scorching summers, chilly winters, and high humidity that can corrode property over time or damage it instantly.
How do service and premium fees differ in home warranty plans?
You pay a service fee whenever you submit a claim. It's a predetermined amount paid per repair incident. On the other hand, monthly or annual premiums maintain the warranty coverage. Think of it as the subscription cost for having the warranty itself. Remember that some plans may have higher service charges per visit, so consider both factors when choosing a plan.
