Top Home Warranty Companies 2025
Protect yourself from unexpected repair costs

Choice Home Warranty stands out with its two straightforward plans and uniform $100 service fee. Its Basic Plan covers essential home systems and appliances, while the Total Plan covers air conditioning, refrigerators, and washers. It’s also our top home warranty for plumbing since it covers your entire plumbing system, including your water heater and garbage disposals. It also covers parts of your electrical system that regulate water pressure.  

As Jake Hill, CEO of DebtHammer, notes, Choice Home Warranty is "especially helpful for owners of older homes" since it doesn't "deny coverage based on the age of your home's systems or appliances." 

Choice Home Warranty offers substantial protection, covering up to $3,000 per successful claim. Plus, you get your first month free if you purchase any single-payment home warranty plan. 

Why we chose Choice Home Warranty: Choice Home Warranty's straightforward plan structure and single $100 service fee make it our top option. In addition to its homeowner plans, CHW provides professional coverage for buyers and sellers. It also offers a 30-day trial, so you can try its services risk-free before fully committing. 

Client perspective: Irene Smith (53) notes, "My last repair for my garage door was the best experience I’ve had in all the years I've had home warranty service. “ She also adds that the service person was on time, explained the issues, and fixed a major problem in about 15 minutes. “It was quick, professional, and couldn’t have been easier.”

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.

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.