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Best HVAC Home Warranty Companies 2024

Top10.com Staff
Best Home Warranty Companies for HVAC
At the heigh of both summer and winter, A/C and heating units can often get overworked leading to costly repairs or replacements. Thankfully, a sound home warranty plan can make your life easier and save you money in the long run should the time come when your HVAC unit breaks down.

Home warranty companies offer service contracts that cover the cost of repairing or replacing damaged appliances and systems in your home. You pay a monthly or annual fee, and when something stops working, all you have to do is make a claim and a technician will be sent out to repair or replace it.

Breaking Down Our Choices: Top Home Warranty Companies for HVAC Systems

Not sure which home warranty company to sign up with to cover your HVAC units? Here is our round-up of the top 10 prepared best home warranty companies for A/C and Heating Units.

Choice Home Warranty: Best for contract transparency

Select Home Warranty: Best for pricing and discounts

American Home ShieldBest for coverage of older units and systems

Liberty Home Guard: Best for high tech systems

AFC Home Club: Best for a range of coverage options

First American Home Warranty: Best for fast service

Advanced Home Warranty: Best for around-the-clock service

Home Service Club: Best for unique coverage options

1. Choice Home Warranty

Best for contract transparency Visit Site


  • All Choice Home Warranty plans are 100% transferable, which enables you to pass it on if you sell your house before your plan expires

  • High reported levels of satisfaction with customer service

  • The first month of any plan is free

  • They have a call center which is open 24/7


  • Commercial grade equipment or systems in your home are not covered

  • There are certain exclusions to be aware of, including issues caused by rust or power surges

Choice Home Warranty has a large base of long-term customers, and is one of the well-established companies. If you’re looking for top rated customer service and a cost effective premium, this brand will tick the boxes.

It’s also perfect for landlords, realtors, and homeowners who may be selling their home in the near future, and can take advantage of the transferrable feature of the plans.

Read the full Choice Home Warranty review

Choice Home Warranty Choice Home Warranty Get Quote

2. Select Home Warranty

Best for pricing and discounts Visit Site


  • $100 off, plus 2 extra months free on all new plans

  • The limits of the warranty are made clear

  • An online chat facility is available to answer any questions you might have

  • Claims can be made in whichever way is most convenient for you


  • Warranty does not cover any items that have previously been repaired

  • Coverage value is limited in the first 3 months

Select Home Warranty is perfect for homeowners looking for comprehensive coverage at an affordable price, as well as the convenience of making a claim in a way that causes minimal disruption to their day.

Select Home is best suited to those with newer homes that have not undergone previous repair.

Read the full Select Home Warranty review

Select Home Warranty Select Home Warranty Get Quote

3. American Home Shield 

Best for coverage of older units and systems Visit Site


  • Refer a friend program

  • 24/7 service

  • Covers undetected pre-existing conditions


  • ‘B’ grade by the BBB

  • Coverage starts after 30 days

American Home Shield’s plans easily cover HVAC units, including tune ups and repairs in the ShieldSilver plan. Average annual premiums for the brand go for about $500 to $700 a year. Despite some negative reviews and a B-grade rating by the Better Business Bureau, American Home Shield has been in the business for decades and know their way around HVAC systems. Their multi-home and new appliances discounts may make AHS worthwhile to consider. 

Read the full American Home Shield review

American Home Shield American Home Shield Get Quote

4. Liberty Home Guard

Best for high tech systems Visit Site


  • 60-day guarantee on all work
  • Three comprehensive plans
  • Low premiums
  • Use out-of-network contractors upon request


  • Unavailable in some US states
  • Unclear if company covers damage due to rust or corrosion

Liberty Home Guard offers coverage of your air conditioning and heating units if you choose the Total Home Guard plan. Its coverage includes a quick visit from an expert technician and the cost of labor and parts to repair your appliances or home systems if they stop working due to standard routine use. 

Liberty is known for its consistency and accessibility, laying all of its information on the table and offering plenty of ways to contact customer service.

Read the full Liberty Home Guard review

Liberty Home Guard Liberty Home Guard Get Quote

5. AFC Home Club

Best for a range of coverage options Visit Site


  • No home inspection required before joining
  • Appointments set within 8 hours


  • Limited terms & conditions info
  • Little maintenance requirement details

AFC Home Club offers 3 basic levels of home warranty - Bronze, Silver and Gold. All plans include the Retail Buyers Rebate scheme, the Restaurants.com program and the emergency alert network.

A basic Bronze plan covers only a water heater, air conditioning and heating systems. This is a solid option for landlords whose tenants have their own appliances. Silver is a more appliance based plan which includes the washer and dryer, oven, range, dishwasher etc.

Read the full AFC review

AFC Home Warranty AFC Home Warranty Get Quote

6. First American Home Warranty

Best for fast service Visit Site


  • Extensive sample contract is available to view on the website, which details limits of coverage, warranty dollar amount limitations, buyer's responsibilities, etc 

  • May cover issues caused by rust, corrosion, lack of maintenance, sediment, and even pest control in some areas (see your plan for details)

  • Listing coverage available for sellers

  • Sample policy clearly highlights elements that are not covered

  • Repair jobs are dispatched to service contractors within 4 hours during regular business hours


  • Service fee is $75 for each item (the industry average is $60)

  • Repair or replacement of ice makers, ice crushers, beverage dispensers, and their respective equipment will only be completed when parts are available

First American Home Warranty is suited to anyone who is looking for a fast service, and a wider ranging list of service inclusions.

Anyone living in a townhouse, mobile home or condominium is also able to take advantage of their lower premium offerings.

Read the full First American Home Warranty review

First American Home Warranty First American Home Warranty Get Quote

7. Advanced Home Warranty

Best for around-the-clock service Visit Site


  • Limits of liability clearly displayed
  • 24/7, dedicated toll-free customer service


  • Site not comprehensive
  • Not liable for contractor work

Advanced Home Warranty provides 2 plans that cover a mixture of appliances and systems. Its ‘Basic’ plan covers the majority of the appliances and systems in your home from the heating system to the garage door opener. The ‘Total’ plan includes all of the elements in ‘Basic’ but also includes air conditioning, washer, dryer, and refrigerator.

Read the full Advanced Home Warranty review

Advanced Home Warranty Advanced Home Warranty Get Quote

8. Home Service Club

Best for unique coverage options Visit Site


  • More than 10,000 contractors
  • Flexible plans
  • 24/7 claims filing


  • No pricing listed
  • Cumbersome website

HSC Warranty has only been around for a few years, but it has already become known for its wide-ranging packages, including optional additional coverage that caters for appliances and systems untouched by many of its rivals.

Read the full Home Service Club review

Home Service Club Home Service Club Get Quote

Do Home Warranty Cover HVAC?

Most home warranty companies offer a range of different plans at different price points. Some of these include A/C and heating units, while others don’t. There may also be occasions when your A/C or heating unit may not be covered, even if you have these systems included in your plan.

It’s important to check these details before selecting a plan, and ensure you are covered for the systems and items you need cover for. Ask to see a sample copy of a policy before you commit to a plan.

When Are They Covered by a Home Warranty Plan?

An A/C or heating unit will usually be covered by a home warranty plan if it stops working due to deterioration over time, or one of the parts needs replacing. 

When Are They Not Covered by a Home Warranty Plan?

A home warranty company may refuse to provide a repair or replacement service if it looks like your A/C or heating system hasn’t been maintained properly, has unusual wear and tear, if it hasn’t been installed properly, or if it has a pre-existing condition. 

Why Is a Home Warranty Plan a Good Idea? 

When it comes to something like an A/C or heating unit—these usually make a noticeable difference to your home environment. You don’t want to be living in a freezing house during the winter months, and equally you don’t want to be sweltering in the hot summers.

A home warranty plan will give you peace of mind. You won’t have to worry about something potentially breaking down at the most inconvenient moment, or how much it’s going to cost to repair. 

And since most plans cover a multitude of items and systems, it makes sense for most homeowners to invest in one.

How to File a Claim with a Home Warranty Company

Filing a claim with a home warranty company is simple. Here’s what it will look like with the majority of companies:

  1. Decide on your preferred home warranty company and plan.
  2. When something breaks down or needs repairing, make a claim using the details provided by the company in your plan (usually by phone, or email).
  3. The home warranty company will then call one of their known, local technicians, and arrange a suitable appointment with you.
  4. The technician will arrive, and you will pay them a small service fee (see below for average price).
  5. They will fix the item, or you will be ordered a replacement free of charge.

Pricing of Claims and Repairs

Most home warranty companies offer a range of homeowners warranty plans to suit different homeowners and their needs. Monthly plans usually range from between $30 to $50, while annual plans range from $300 to $600.

Most companies charge a standard $60 service fee for each item to be repaired, which is payable to the contractor upon arrival. This is the industry average, but some companies do charge a little more.

Choose the Right Home Warranty Plan Today

Whatever your budget or requirements, one of the best home warranty companies of 2024 can help. Use the information provided above to help you select a suitable plan that covers A/C and heating units. Investing in a home warranty plan will reduce stress, save you time, and give you the peace of mind you’ve been searching for.

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Best Home Warranty Plans for Homeowners

Frequently Asked Questions
Is getting a home warranty plan worth it?+-

Yes, HVAC home warranty plans for units are definitely worth it, especially if you consider how expensive components are for air-conditioners and heating units.

Do home warranty plans cover HVAC systems with pre-existing conditions?+-

No, not all homne warranty plans will cover pre-existing conditions with HVAC units. When choosing a home warranty plan, it is important to understand the terms and conditions to make sure you're not denied coverage.

Can I get an emergency repair for my HVAC system?+-

Mosty home warranty companies do offer 24/7 emergency contact and repair services.

Top10.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.