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The Smart Approach To Choosing A Home Warranty
A home warranty is straight-forward: you buy an annual policy that comes out to somewhere between $25 and $60 a month and when something goes wrong with one of your home systems or a major appliance, your policy covers the costs.
Choosing a home warranty, however, can be tricky and many homeowners purchase a policy from a company that isn’t reputable.
The two biggest mistakes homeowners make when purchasing a home warranty are:
1. Not checking customer reviews
2. Not reading the fine print.
If you don’t do both, you’ll find yourself with a warranty that you’ve paid for but won’t do much good when something goes wrong.
Or, some home warranties won’t cover costs associated with problems that were caused by improper maintenance... something that can be difficult for you to prove isn’t true.
Based on our extensive research we’ve narrowed down the 3 leading home warranty companies in 2026 with the best track records and the clearest terms.
1. Choice
- 2026 Top Pick
- $50 OFF & 1 month FREE
- Fast uber-style dispatch system
- FULL coverage of all HVAC systems & units
With a national network of over 15,000 technicians, Choice is our top industry pick for 2026 .
Choice offers a full array of appliance & home system coverage at competitive prices. Submitting a claim is easy and can be done at any time, including online.
One major benefit of Choice is that, unlike some of their competitors, the company does not impose an annual cap on pay-outs.
2. Select
- $150 OFF & 2 months FREE
- Best AC system coverage
- Response time within 2 days
Select Home Warranty provides comprehensive coverage for homeowners looking for coverage at an affordable price. The lower pricing combined with the fact that Select serves the entire United States, they are ideal for a basic, clear-cut policy that covers all major home systems.
3. Liberty Home Guard
- 24/7 support
- $125 OFF + 2 months FREE
- National network of vetted pros
- Extensive ad-on options for appliances
Liberty offers some of the most customized policies that give you 24/7 access to thousands of service technicians in their network. This means that you won’t have to search for contractors or repair technicians.
Their plans cost as little as $30 a month with a service fee for repairs running as low as $60. The company also offers optional add-on coverage for pools and spas, well pumps, and septic systems.
Written byTop10.com Staff
Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.