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Last Updated: Apr 2024
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We find the 10 best options, so you can make informed decisions on tons of products and services.

Our Top 3 Picks

  • 1
    Choice Home Warranty

    Choice Home Warranty

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

    Choice Home Warranty is a budget-friendly option ideal for first-time homeowners. Choose between their customizable Basic Plan (12 items) and Total Plan (16 items) to receive up to $3,000 in coverage for each successful claim.

    Jake Hill, CEO of DebtHammer, highlights that Choice Home Warranty is also "especially helpful for owners of older homes" since they don't "deny coverage based on the age of your home's systems or appliances."

    Instead of varying their service fees, they only charge a flat $85 per claim. You also get your first month free if you're a new customer.

    Why we chose Choice Home Warranty: A stand-out from other services, Choice Home Warranty responds swiftly to queries and claims, delivers reliable customer service, and has affordable annual premiums.

    Our experience: We were impressed with Choice Home Warranty's fast turnaround time when submitting online and phone claims. The support specialists we worked with were knowledgeable and quickly provided helpful information.

    Pros
    • Low premiums
    • First month free
    • 24/7 online and phone home warranty resolutions
    Cons
    • Coverage limits of $250 to $3,000 per item
    • Not available in California
  • 2
    Select Home Warranty

    Select Home Warranty

    • Best forCustomers seeking affordable premiums and fees
    • Average annual premium$432–$756
    • Service requests24/7 online and by phone

    Select Home Warranty provides competitively priced coverage for most major appliances and systems. Their premiums start at just $36/month, which is more affordable than other home warranty companies.

    Jennifer Spinelli, real estate professional, investment advisor, and founder and CEO of Cash For Houses, calls Select Home Warranty "reliable and trustworthy." She adds that she no longer worries about "costly repairs or replacements due to breakdowns or malfunctions."

    Three different plans are available and all of them include free roof leak coverage. However, Select Home Warranty's services aren't available in Nevada, Washington, or Wisconsin.

    Why we chose Select Home Warranty: Their affordable premiums and minimal fees elevate them above their competitors. It's also convenient that they offer two months free with their annual plan.

    Our experience: We were particularly impressed with Select Home Warranty's 24/7 friendly phone support and free roof leak coverage. 

    Pros
    • Affordable premiums and fees
    • 24/7 phone support
    • Free coverage for roof leaks
    Cons
    • Low coverage limits
    • Not available in Nevada, Washington, or Wisconsin
  • 3
    AFC Home Warranty

    AFC Home Warranty

    • Best forChoose your own contractor
    • Average annual premiumFrom about $350/year
    • Service requestsOnline or phone 24/7

    Offering coverage for a wide range of systems and appliances, AFC Home Warranty 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 Warranty 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 Serviced:

    AFC Home Warranty 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
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Choice Home Warranty
Choice Home Warranty
Choice Home Warranty
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Select Home Warranty
Select Home Warranty
Select Home Warranty
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AFC Home Warranty
AFC Home Warranty
AFC Home Warranty
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