A home warranty is a service contract that covers 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.
Here is a list of the best home warranty companies for A/C and Heating Units, tested and ranked for you:
1. Choice Home Warranty
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
2. Select Home Warranty
$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
3. American Home Shield
- Very wide range of systems and appliances covered
- Flexibility on fees
- Low premiums
- 24/7 service processing
- Some customers report long wait times for service
You can choose from 4 different service plans with American Home Shield, which makes it one of the more flexible warranty plans available. If you’re looking to just protect your appliances you can go with the appliance plan, or if it’s the house systems you’re worried about, there’s a plan for that too. You can also go with the combo plan—which protects both—or build your own custom, a la carte coverage.
The company has built up a strong reputation with more than 45 years in the business, and uses a network of more than 11,000 contractors to provide service.
Another feature of American Home Shield is that it allows you to opt for a higher per service call fee, in exchange for lower monthly payments.
Read the full American Home Shield review
4. First American Home Warranty
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
5. Total Home Protection
Pre-screened professionals local to customers
Monthly and annual plans to fit any household budget
$50 off, and the first month free
Round the clock support - including live chat functionality
Site can be intimidating when you first land on it
You have to dig deeper on the website to find more detailed information about plans and pricing
Total Home Protection offers fast and comprehensive coverage at an affordable price.
Its 24/7 support and low trade-service fee would suit anyone who wants assurance that help is only a call away, but also has a budget to stick to.
Read the full Total Home Protection review
6. AFC Home Club
- 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
7. Total Home Protection
- Plans are easy to understand
- Pre-screened contractors
- 24/7 claims filing
- No prices on the website
- Basic plan has less coverage than typical
Total Home Protection’s plans cover a wide variety of home appliances and systems, but you'll have to upgrade from the Gold plan to the Platinum plan if you are looking to cover your air conditioning system or heating system.
Read the full Total Home Protection review
8. Advanced Home Warranty
- 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
9. Home Service Club
- 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
10. Amazon Home Warranty
- Essentials covered with category-based plans
- Wide range of systems can be protected
- Wide network of 10,000 technicians
- Not all appliances are covered
- High copays at $75+
Amazon Home Warranty offers 3 type of warranty plans which provides warranty protection for systems such as electrics, heating and central AC. It boasts industry-leading customer satisfaction ratings and spells out the terms of its standard coverage in exhaustive detail on its website.
Read the full Amazon Home Warranty review
Do Home Warranty Plans Cover A/C and Heating Units?
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:
- Decide on your preferred home warranty company and plan.
- 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).
- The home warranty company will then call one of their known, local technicians, and arrange a suitable appointment with you.
- The technician will arrive, and you will pay them a small service fee (see below for average price).
- 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 2020 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.