Purchasing a home warranty is one of the best steps you can take to protect your home and major appliances. With a home warranty, you can avoid unexpected repair and replacement costs associated with appliances and other systems within your home that aren’t typically covered under a homeowners insurance policy. 

A home warranty can supplement your home insurance policy by covering costs for appliance and home system repairs. And if you’ve just started shopping for the best home warranty provider, we’ve rounded up some of our favorite home warranty companies so you can compare them.

Top 9 Best Home Warranty Companies

  1. Choice Home Warranty
  2. American Residential Warranty
  3. American Home Shield
  4. Cinch Home Services
  5. AFC Home Club
  6. Select Home Warranty
  7. Liberty Home Guard
  8. First American Home Warranty
  9. First Premier Home Warranty

Homeowners must eventually deal with failed heating and air conditioning systems, broken dishwashers, and refrigerators that won’t stay cool. When something breaks, it can be an expensive inconvenience. But when multiple appliances break down at the same time, the homeowner can wind up in financial trouble. 

A home warranty that protects everything from your garage door opener and garbage disposal to your heating and plumbing systems can make a huge difference in protecting you from unexpected repair costs and financial stress. With a home warranty, you typically pay a yearly contract fee, plus a small service fee when you submit a warranty claim for service.

Best Home Warranty Companies

Before you sign a contract with a home warranty provider, make sure you’re dealing with a company that you can trust. We’ve done the hard work of pulling together some of the most popular home warranty companies with the best customer service so you can compare them side-by-side – we’ll help you choose the home warranty provider that’s best for you.

1. Choice Home Warranty

In operation since 2008, Choice Home Warranty rises to the top of many home warranty customer reviews. The company is popular for its commitment to loyal customer service that is available 24 hours a day, seven days a week. Choice executes plans in every U.S. state except for Washington and offers affordable plans and reasonable service fees. 

Choice Home Warranty offers two different plans – the Basic and the Total – to meet customer needs. You can add services for pools/spas, limited roof leaks, septic tanks, and more for additional fees. Average costs for a Choice Home warranty range from $560–$660, and service fees are $85, payable directly to the service provider. The company is based in Edison, New Jersey.

2. American Residential Warranty

American Residential Warranty is a home warranty provider based in Boca Raton, Florida. It is top-rated by its customers, largely because of its transparent pricing structure, low service fees, customizable plans, and overall reasonable costs. 

With American Residential Warranty, you can choose your own technician when something breaks down, rather than being assigned someone. Home warranty coverage is available in all U.S. states, and the company has earned an A+ rating through the Better Business Bureau. Service is available in all states, and the company partners with AIG Warranty to provide service in California, Iowa, Texas, and Virginia. 

The average cost of an American Residential Warranty plan is $555 per year, and service fees range from $55 to $75. The company offers four basic plan choices. There are also two “bundles” that combine features of the basic plans while allowing customers to build their own customized plans. American Residential partners with some of the largest companies in the nation, such as AIG, GE Appliances, Asurion, Lowe’s, the Amynta Group, and ADT.  

3. American Home Shield

American Home Shield is a veteran in the home warranty industry, serving customers for more than five continuous decades. The company scores high customer reviews when it comes to customer service and comprehensive coverage options. American Home Shield offers three plans: Silver, Gold, and Platinum. Customers can choose a $75, $100, or $125 service charge. The lower the service charge, the higher the monthly cost for the plan, and vice versa. You can also add coverage for pools, septic tanks, and electronics.

American Home Shield is based in Memphis, and it offers coverage in 49 U.S. states, excluding only Alaska. The average monthly cost for American Home Shield premiums hovers between $30 and $75 per month for some of the most comprehensive home warranty coverage available.

4. Cinch Home Services

Cinch Home Services, which previously operated under the name Cross Country Home Services, is a long-time service provider in the home warranty industry. Cinch is a popular option among homeowners because of its willingness to cover pre-existing conditions and damage due to rust and corrosion. Cinch’s repairs also come with a 180-day service guarantee, which is one of the strongest in the home warranty industry.

Cinch, based out of Boca Raton, Fla., offers three different plans for homeowners: an appliance plan, a systems plan, and a comprehensive home plan. Cinch also allows for several add-ons, including coverage for spas, pools, septic tanks, and well pumps. 

Coverage is only available for homeowners in the lower 48 states. Plan prices range from $35 to $67 per month, depending on where you live and the particular plan you choose. Fees for service calls run from $75 to $150. The lower the service call fee you select, the higher your monthly cost.

5. AFC Home Club

AFC Home Club wins high marks for its high level of customization. With four separate plans and several options for add-ons, AFC allows you to design the plan that best meets your needs. 

Additional services include coverage options like identity theft protection and credit monitoring. Best of all, parts and labor for repairs are guaranteed for the life of your membership.  

Based in Marietta, Georgia, AFC Home Club offers coverage in 48 U.S. states – all except Hawaii and California. Be aware that if you cancel after the first 30 days of your membership, you are required to pay a $75 cancellation fee.  

AFC Home Club offers four plans: Platinum, Gold, Silver, and Systems. The Silver plan only covers appliances, while the Platinum plan covers all major home systems and appliances. In addition, you can add coverage for sump pumps, septic systems, central vacuums, pools, spas, stand-alone freezers, and roof leak repair.  

Premiums range from $33 to $56, depending on the level of coverage you select, along with your chosen level of service fee. You can choose from service fees starting at $75 and topping out at $125. If you choose a low service fee, your monthly fee is higher. 

6. Select Home Warranty

Select Home Warranty gets high marks from customers for its exceptional customer service. Select offers three different plans for homeowners: Bronze Care, Gold Care, and Platinum Care. No matter which plan you choose, your major systems like heating, cooling, and electrical will be covered. With platinum coverage, you can make sure household appliances are also covered. Select’s plans also allow you to add coverage for your roof, pools, and septic systems. 

The company offers significant savings and promotions for new customers, ranging from $100 off to two months free plus free roof leak coverage when you pay an annual policy up front in full. Most contracts last for 12 months, though the company offers additional discounts for multi-year policies.    

Select Home Warranty is headquartered in Mahwah, New Jersey, serving all 50 states and the District of Columbia. The nationwide average annual cost for a Select Home Warranty plan is $500.

7. Liberty Home Guard

Liberty Home Guard consistently receives some of the highest customer satisfaction ratings from the Better Business Bureau, reflecting a strong and consistent pattern of putting its customers first. The company also offers a user-friendly website, transparent pricing options, a helpful live-chat feature, a wide variety of plan discounts, and optional add-ons that include coverage for pro-series appliances.  

Headquartered in New York, Liberty Home Guard provides coverage in all U.S. states, with the exception of Washington and Wisconsin. Liberty Home Guard is accredited through the Better Business Bureau business and holds an A rating.   

The average Liberty Home Guard Home Warranty plan costs $587, and service fees range from $80 to $125. The company offers three basic plans: the Appliance Guard, Systems Guard, and Total Home Guard. You also can choose from a long list of add-ons to supplement your coverage, including lawn sprinkler systems, electronics protection, and window washing coverage.

8. First American Home Warranty

First American Home Warranty policies often are listed among the best values in home warranties, largely because of the reasonably priced monthly premiums. With First American, you can choose from either the Basic or the Premier plan, and add optional coverage for AC systems, pools, wells and septic tanks, and more.  

Monthly premiums range from $37 to $45. Several exclusions apply to First American coverage policies, including heating systems, water heaters, and kitchen appliances. Service calls are billed at $85.  

First American Home Warranty is based out of Santa Rosa, CA, and offers coverage in 35 U.S. states. First American coverage is not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin.

9. First Premier Home Warranty

First Premier Home Warranty offers coverage for the average plan price of $424, and service fees ranging from $60 to $75 per service call. First Premier boasts a best-in-class response time of 20 minutes, plus low-cost plans, reasonable service fees, and high payout benefit limits. Based in Brooklyn, New York, the company provides service in all 50 U.S. states.  

First Premier offers two basic plans, Premiere and Platinum, with the option to add on a variety of appliances and systems for coverage, ranging from duplicate AC systems and appliances to pools and septic tanks. This warranty company gets high marks from consumers for its reasonable prices and its rapid response times. 

What Is the Best Home Warranty Company?

When it comes to choosing the best home warranty provider for your home, there are many things to consider. As you examine the unique needs of your household, be sure to consider factors like coverage options, plan pricing, service fees, and customer service. Quality customer service includes having a user-friendly website that allows you to submit and track warranty claims online. 

Home warranties can be a great investment. There are many coverage and plan options to choose from when it comes to partnering with a home warranty company. Once you complete an inventory of your home and decide what needs to be covered, you can choose a home warranty plan with the right coverage, pricing, and service fees.