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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.

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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.

Best Home Warranty in 2024

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

Home warranty plans protect 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.

Before you sign a contract with a home warranty provider, make sure you’re dealing with a company that you can trust. We’ve researched the most popular home warranty companies so you can compare them side-by-side. We can help you choose the home warranty provider that’s best for you.

1. ARW Home (American Residential Warranty)

Formerly known as American Residential Warranty, ARW Home is a home warranty provider based in Boca Raton, Florida.  The company has home warranty plans for kitchen appliances, other appliances, and home systems. Although it’s not currently accredited with the BBB, ARW Home has an A rating. ARW Home is top-rated by its customers, largely because of its transparent pricing structure, low service fees, customizable plans, and overall reasonable costs.

Pros

  • Additional coverage options that aren’t offered by other companies
  • Available in all 50 states
  • Partnerships with Lowe’s and other leading industry brands
  • 24/7 online claims service
  • Service fee as low as $55

Cons

  • Automatic plan renews unless canceled by customer
  • Limited coverage for appliances and home systems older than 10 years
  • $5,000 cap on combined repairs and replacements per 12 months

Quick Facts

Locations Served: All 50 states

BBB Rating: A |  Accredited? No

Service Fee: $55-85

ARW Home is based in Boca Raton, Florida, but has home warranty plans available for customers across the United States. The company partners with some of the largest insurance, home renovation, appliance, and home security companies around the world to ensure that its customers have access to efficient and reliable replacements and repairs after submitting claims.

Locations: State Availability

ARW Home is one of the only home warranty companies to offer warranty coverage in all 50 states. However, customers in California, Iowa, Texas, and Virginia may have slightly different coverage options and claims processes than people in other states based on home warranty laws in those states. You can learn more about the specifics of coverage in your state with ARW Home by calling customer support at (800) 910-8538.

Why We Like American Residential Warranty

Homeowners often look for home warranty companies that aren’t just reliable and trustworthy but also provide one-of-a-kind coverages that other companies don’t. American Residential Warranty includes a few protections you don’t normally find in a home warranty, such as coverage for code violations and protection for video game systems. Expect to pay more than you would for the average home warranty plan with these optional coverages, but if you can afford the monthly cost, they might be worth it.

Customers also appreciate that ARW Home is usually quick to respond to claims and easy to work with through the claims process. Submit claims through your online dashboard or call customer service to have an agent assist you. The call center is available on Saturdays and throughout the week for your convenience.

Plans and Coverage Options

Kitchen Plus ($39.99 /mo.) – Covers interior electrical system, refrigerator, range, oven, cooktop, dishwasher, built-in microwave, garbage disposal, kitchen exhaust fan, and water heater. Optional Kitchen Plus upgrades include: Washer, dryer, water/sewer line combo, pool/spa combo, and electronics protection.

Platinum Premier ($64.99 /mo.) – This popular plan covers everything in the Kitchen Plus plan, plus central air conditioning, central home heating, humidifier, plumbing system, plumbing stoppages, ductwork, and garage door opener. Optional Platinum Premier Upgrades include: Washer, dryer, water/sewer line combo, pool/spa combo, and electronics protection.

4-in-1 Plan Full Coverage ($129.99 /mo.) – This full coverage plan includes everything covered in the Platinum Premier plan, plus a special service called Deluxe Advantage. All upgrades are included as well, except for optional pool/spa coverage, which can be added on to your plan for $23.99/mo.

Optional Coverage – Washer, dryer, water/sewer line combo, pool/spa combo, and electronics protection.

🛠️ ARW Home offers customizable plans, including unique coverages for video game systems and protection against code violations.

American Residential Warranty offers home warranty plans similar to other companies, splitting them into appliances-only and a combination of coverage for appliances and home systems. Named Kitchen Plus, the appliance-only plan covers kitchen appliances, like refrigerators, dishwashers, and built-in microwaves, but also includes coverage for laundry washers and dryers. On average, this plan costs $39.99 per month.

The Platinum Premier plan costs most customers about $64.99 per month. This coverage includes all appliances covered on Kitchen Plus, with the addition of ductwork, plumbing systems, garage door openers, ceiling fans, and other extra coverages.

Customers can also choose the 4-in-1 Bundle that combines everything from the first two plans and adds protection for sewer and water lines, electronics, garage door tracks, and more. This unique coverage also protects water faucets and fixtures, toilets, and fixes for incorrect installations. ARW Home customers can expect to pay $129.99 monthly for the 4-in-1 Bundle.

American Residential Warranty Optional Add-Ons

ARW Home provides numerous add-ons in addition to its regular plans for homeowners to get the coverage they want. Optional upgrades include external water or sewer lines, pools and spas, well pumps, ice makers, and additional refrigerators or ovens. The A/C Advantage upgrade offers extra protection for A/C systems with Freon replacements, coil repairs, and more.

Read the full review of ARW Home >>


2. American Home Shield

Frequently rated as one of the best home warranty companies in the industry, American Home Shield has been accredited with the BBB since 1997 and, at the time of this writing, has a B rating with the Bureau.

Pros

  • Flexible service fee options ranging from $75-$125
  • Customizable monthly payments based on service fee
  • Unlimited number of covered repairs per term
  • Nationwide contractor network

Cons

  • Repairs limited to a 30-day guarantee
  • No coverage in Alaska
  • Does not offer email or live chat customer support

Quick Facts

Locations Served: 49 states (excludes Alaska)

BBB Rating: B |  Accredited? Yes

Service Fee: $75-$125

American Home Shield is also one of the first home warranty coverage companies with over 50 years in the business. As such, it’s continued to evolve to meet modern homeowners’ needs to offer global home protection for everything from electrical systems to roof leaks. The company boasts one of the largest networks of partnered contractors, too, to help homeowners get quality, quick service after submitting a claim.

Locations: State Availability

American Home Shield is available throughout the United States, except for Alaska. However, homeowners should remember that their contracts, pricing, inclusions, and exclusions may vary depending on where they live and the size of their homes.

Why We Like American Home Shield

If you search for the best home warranty company, you’ll likely find a lot of information about American Home Shield. One of the reasons many homeowners choose this company is because of its longevity in the industry, indicating that it’s a home warranty provider you can trust to service your home systems and appliances.

American Home Shield does appear to be a little more costly in terms of premiums than other companies, but it also provides a lot of perks for homeowners that other companies don’t. For instance, the highest-tier plan allows up to $6,000 for the repair or replacement of specific appliances, while other companies may cap their coverage at $1,000. Customers also have access to unlimited servicing for covered home systems.

Finally, transparency is a priority for American Home Shield. You can find sample contracts on its website to know what to expect if you were to sign up as a customer. The company also details exactly what it does and doesn’t cover and any limitations to know on its pricing page.

Plans and Coverage Options

Shield Silver (starts at $39.99 /mo.) – Covers heating and cooling systems, electrical systems, plumbing systems, discounted home maintenance services.

Shield Gold (starts at $59.99 /mo.) – Covers heating and cooling systems, electrical systems, plumbing systems, discounted home maintenance services, kitchen appliances, laundry appliances, and up to $3,000 per appliance for repair or replacement.

Shield Platinum (starts at $89.99 /mo.) – Covers heating and cooling systems, electrical systems, plumbing systems, discounted home maintenance services, kitchen appliances, laundry appliances, up to $6,000 per appliance for repair or replacement, roof leak repairs (up to $1500), up to $1,000 in coverage for code violations and permits, free HVAC tune-up, and unlimited A/C refrigerant.

🔧 With over 50 years in the business, American Home Shield provides a nationwide contractor network for reliable and extensive service.

Optional Upgrades: Additional coverage is available for a pool or spa, guest unit, septic pump, and well pump.

American Home Shield provides three plans for customers to choose from. The first, Shield Silver, is the company’s systems-only plan, including coverage for major parts of the home, like plumbing, electrical, and heating and cooling systems. This plan usually costs about $35-$40 per month, depending on your location.

The next plan, Shield Gold, is around $50-$55 per month. This plan includes everything from Shield Silver and adds a few appliance coverages for kitchen appliances and laundry machines. Customers get as much as $3,000 in coverage for each appliance.

The third plan is Shield Platinum, which offers the most comprehensive coverage for your home with additional roof leak repair, one HVAC tune-up, and broader coverage limits for covered appliances. Homeowners can expect to pay an average of $70 a month for this plan.

The company also has a few other inclusions in its plans that you won’t find from most of the best home warranty companies, like exclusive discounts for air filters and other home products, a $100 rekeying service, and covered A/C refrigerant when necessary.

American Home Shield Optional Add-Ons

American Home Shield includes a lot of coverage in each of its warranty plans, so its add-on options may not seem as robust as other companies. However, customers can add pool and spa, septic pump, and well pump coverage to any of the three main plans. There’s also a unique option for coverage for a guest unit up to 750 square feet in size.

Read the full American Home Shield review >>


3. Cinch Home Services

Cinch Home Services is another long-running best home warranty company with over 40 years in the home warranty business. As of this writing, it has a B rating with the BBB, with which it’s been an accredited business since 2019.

Pros

  • Super affordable coverage options
  • Offers deductible reimbursements on homeowners insurance for select plans
  • Customizable monthly payments
  • 180-day workmanship guarantee

Cons

  • Not available in Hawaii or Alaska
  • No roof leak protection add-on
  • Pricier service fees than other companies

Quick Facts

Locations Served: 48 states (excludes Alaska and Hawaii)

BBB Rating: B |  Accredited? Yes

Service Fee: $85-$150

Cinch Home Services markets itself as “more than a home warranty company” because of its additional coverages that other companies don’t offer. It also includes a 180-day guarantee on any of the appliances or home systems it helps homeowners repair or replace through its coverage.

The company was previously named Cross Country Home Services and is currently a part of the Cross Country Group, which is headquartered in Medford, Massachusetts.

Locations: State Availability

Cinch Home Services is available in all states except Alaska and Hawaii. Homeowners should be aware that, like other home warranty companies, Cinch Home Services may charge different rates for various states and geographic areas within each state. The best way to determine your exact rate and what your plan will cover is to get a free online quote from the company.

Why We Like Cinch Home Services

One feature that Cinch Home Services brings to the table that other companies don’t is its 180-day workmanship guarantee. While other companies typically guarantee the work their contractors do for 30-60 days, the Cinch Home Services guarantee covers repairs and replacements for 180 days. This means that homeowners can rely on the company to fix anything that might go wrong with the repair during that time, such as a problem stemming from an improper installation.

Another reason that Cinch Home Services is a popular choice is its customizable pricing. Homeowners can adjust their service fees to lower or increase their payments. They can also choose between monthly or annual payments to ensure that their warranty plan fits within their budget.

Plans and Coverage Options

Appliances (starts at $27.99 /mo.) – Covers clothes dryer, washing machine, cooktops, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range, range exhaust hood, wall oven, refrigerator, built-in trash compactor, and a $25 air conditioner or water filter credit.

Built-in Systems (starts at $32.99 /mo.) – Covers air conditioning (including ductwork), attic fan, ceiling fan, central vacuum, doorbell, electrical system, garage door opener, garbage disposal, heating system (including ductwork), instant hot/cold water dispenser, plumbing system, smoke detector, sump pump, toilet, water heater, built-in whirlpool or jetted tub, $500 homeowners insurance deductible reimbursement (one per year), plus a $25 air conditioner or water filter credit.

Complete Home (starts at $39.99 /mo.) – The Complete Home Plan covers everything included in the Appliances and Built-in Systems plans.

💡 Known for customizable monthly payments, Cinch Home Services allows customers to manage their budget effectively while enjoying a comprehensive home warranty.

Optional Upgrades: Additional coverage is available for pool or spa only (heater included), pool with spa (heater included), septic tank/plumbing, well pump, and a premier upgrade package that provides additional coverage for permits and code upgrades.

Cinch Home Services has three plans for homeowners that generally range from $30-$60 per month, depending on your location. Its Home Appliances Coverage is the basic plan with protection for kitchen and laundry appliances, like ovens, built-in microwaves, refrigerators, and clothes dryers.

Homeowners can also choose the Built-In Systems Coverage, which leaves off appliance protection but includes coverage for electrical, heating and cooling, and plumbing systems. Cinch Home Services’ systems coverage offers protection for items that other companies only offer as add-ons, such as a whirlpool tub, garage door opener, and sump pumps.

The broadest plan is Complete Home Coverage, which gives homeowners protection for everything covered in the other two plans. Customers choosing this plan also get the added benefit of receiving up to $500 per year in reimbursement for their homeowner’s insurance deductibles.

Cinch Home Services Optional Add-Ons

On the surface, Cinch Home Services does not appear to offer as many add-ons for home warranty plans as other companies. However, this is because many coverages that are add-ons for other companies are included in Cinch Home Services plans.

Still, customers do have some options for protecting additional items not covered in their plans, like septic tank coverage and spa and heater protection. The company also provides a Premier Upgrade Package, which can help homeowners pay for permit and coding problems, plumbing modifications, and disposal of the replaced equipment. This package pays up to $1,000 per claim and up to $2,000 per warranty term.

Read the full review of Cinch Home Services >>


4. AFC Home Club

AFC Home Club is a home warranty company based in Marietta, Georgia, that’s been in business for over a decade. It’s held accreditation with the BBB since 2015 and currently has a B rating on the site. You might also see this company being mentioned by its full name, America’s First Choice Home Club.

Pros

  • Lifetime plan guarantee of up to three years
  • Several member benefits, including home security discounts and pet benefits
  • 24/7 claims submission
  • Unlimited service requests per term

Cons

  • Not currently available for Hawaii homeowners
  • Limited add-ons compared to other companies
  • Somewhat low payment caps on certain items (such as $150 max payments for ductwork and central vacuum repairs)

Quick Facts

Locations Served: 49 states (excludes Hawaii)

BBB Rating: B |  Accredited? Yes

Service Fee: $75- $125

AFC Home Club works with contractors across the United States to help homeowners fill in gaps by protecting appliances and home systems that typically are not covered by home insurance. A home warranty from this company can include protection for everything from indoor plumbing stoppages to electrical outlets.

Locations: State Availability

AFC Home Club serves homeowners in all states except for Hawaii. Homeowners can request a quote online or by calling AFC Home Club customer support to learn what coverage options and pricing is available in their state.

Why We Like AFC Home Club

The company positions itself as one with complete home coverage and excellent customer service, providing everything from its claims processing to customer support with in-house team members rather than outsourcing help globally. As such, customers should feel confident knowing that they can get help quickly and reliably when they need it most.

AFC Home Club also guarantees the work its contractors do on your home systems or appliances for up to three years, the lifetime of a home warranty plan. That’s one of the longest guarantees of any home service club competitor, which typically only guarantees their work for up to 60 days, on average.

Another reason AFC Home Club is a top choice among customers is that it allows homeowners to choose their technicians. Therefore, if you have someone you already know and trust, you’re free to request work from them once you get the green light on your claim from AFC Home Club.

Plans and Coverage Options

Silver Plan (starts at $43.99 /mo.) – Covers clothes dryer, clothes washer, kitchen refrigerator, oven, range, dishwasher, garbage disposal, and garage door opener.

Systems Plan (starts at $49.99 /mo.) – Covers air conditioning, heating system, water heater, electrical system, plumbing system, and ductwork.

Gold Plan (starts at $59.99 /mo.) – Covers clothes dryer, clothes washer, kitchen refrigerator, oven, range, dishwasher, garbage disposal, garage door opener, air conditioning, heating system, water heater, electrical system, plumbing system, and ductwork.

Platinum Plan (starts at $64.99 /mo.) – Covers clothes dryer, clothes washer, kitchen refrigerator, oven, range, ice maker, dishwasher. built-in microwave, garbage disposal, garage door opener, air conditioning, heating system, water heater, electrical system, plumbing stoppages, plumbing system, ductwork, and fans.

🏠 AFC Home Club offers additional perks like home security discounts and pet benefits that go beyond typical home warranty coverage.

Optional Upgrades: Additional coverage is available for electronics, sump pump, septic system, central vacuum, pool or spa, stand alone freezer, and roof leak repair.

AFC Home Club gives customers four plans to choose from to get the level of coverage they need for their homes. Although pricing varies by location, most plans range between $40-$60 per month, which is right in line with average home warranty costs.

AFC Home Club’s Systems Plan is its lowest tier covering major home systems like ductwork, a water heater, and the plumbing system. This plan might benefit homeowners who don’t want a hefty monthly bill but still would like some coverage for items that tend to have the costliest repairs.

Next is the Silver Plan, which adds nine appliances, like an oven, refrigerator, and clothes washer, to the Systems Plan. The best coverage comes with Gold and Platinum plans, with Platinum adding just a few more appliances to the Gold plan.

Unique to AFC Home Club is the added benefits customers get with any plan, like supplemental health insurance, cyber theft protection, and discounts on whole life insurance. These benefits are free, no matter what home warranty you buy from AFC Home Club.

AFC Home Club Optional Add-Ons

AFC Home Club doesn’t have as many add-ons as some competitors. However, it does have the basics you’d expect, like electronics, sump pump, and roof leak coverage. You’ll need to contact the company for a free quote to determine how much these additional coverages will add to your monthly bill.

Read the full AFC Home Club review >>


5. Select Home Warranty

Select Home Warranty is a New Jersey-based company that has complete home warranty plans for homeowners and realtors. The company has been in business for over a decade and, although it’s not currently accredited with the BBB at the time of this writing, it has a B- rating based on home warranty reviews and closed cases.

Pros

  • Available in all 50 states and the District of Columbia
  • Affordable pricing
  • Variable service fees based on type of service
  • 90-day repair guarantee

Cons

  • Can’t choose your own contractor
  • Low coverage caps compared to some companies
  • $75 cancellation fee

Quick Facts

Locations Served: 50 states

BBB Rating: B- |  Accredited? No

Service Fee: $75 – $100

Select Home Warranty allows customers to submit their claims by phone or through their online accounts, allowing for a simple and smooth claims process. With three home warranty plans to choose from, Select Home Warranty gives homeowners options beyond their regular homeowners insurance to protect their homes, home systems, and most-used items.

Locations: State Availability

Select Home Warranty has plans for homeowners in all 50 states plus the District of Columbia. Still, pricing for each plan varies by location, so the best way to get an accurate rate for your home warranty plan is by requesting a free quote from the company.

Why We Like Select Home Warranty

Select Home Warranty has frequent deals for homeowners signing up for one of its plans for the first time. For example, a current deal includes two months free on any plan plus free roof leak coverage for a total of about $150 in savings.

Aside from that, customers also enjoy Select Home Warranty’s affordable pricing, which ranges between $35-$55 per month, on average. Customers also pay different service fees for various services, which could save them money on smaller repairs compared to other companies that charge a flat fee for any service request, big or small.

Select Home Warranty vets the contractors it works with for service requests. As a result, contractors must be fully licensed and insured, prove that they’re legally able to work, and complete a contract. Although this prevents homeowners from choosing their own contractors, it can also reassure them that each contractor has been evaluated to meet the company’s standards.

Plans and Coverage Options

Bronze Care (starts at $44.99 /mo.) – Covers clothes washer, garbage disposal, refrigerator, stove/oven, built-in microwave oven, cooktop, dishwasher, and clothes dryer.

Gold Care (starts at $44.99 /mo.) – Covers AC, cooling, heating system, plumbing system, electrical system, water heater, and ductwork.

Platinum Care (starts at $54.99 /mo.) – Covers AC, cooling, heating system, plumbing system, electrical system, water heater, ductwork, plumbing stoppage, clothes washer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, dishwasher, clothes dryer, garage door opener, and ceiling fan.

💰 Known for its affordability, Select Home Warranty provides cost-effective options for home warranty coverage.

Optional Upgrades: Additional coverage is available for a pool or spa, sump pump, sprinkler system, roof leak, fireplace, garage door, and electronics.

Select Home Warranty’s three plans for homeowners include an appliances plan (Bronze Care), a home systems plan (Gold Care), and a plan that combines appliances and home systems (Platinum Care). The Bronze and Gold plans are similar prices, while the Platinum Care plan adds a modest $10-$15 per month for most homeowners.

This company doesn’t offer a lot of benefits or additional features outside of the usual home warranty protections. However, customers do get a 90-day repair guarantee on most service repairs, which is slightly longer than the usual 30-60-day guarantees offered by other best home warranty options.

Select Home Warranty Optional Add-Ons

Select Home Warranty has a few select add-ons for homeowners to include in their plans for an additional cost. These upgrades include coverage for a second refrigerator, a refrigerator ice maker, pool and spa equipment, and a lawn sprinkler system. Because this company doesn’t include any fixtures in its original plans, homeowners can also include lighting fixtures and plumbing fixtures as add-ons.

On average, expect to pay an additional $30-$120 per year for upgrades from Select Home Warranty.

Read the full review of Select Home Warranty >>


6. Liberty Home Guard

Liberty Home Guard is one of the newest home warranty companies. In business for just about five years, the company still offers a lot of protections to homeowners when it comes to covering appliances and home systems that can quickly become costly to repair or replace.

Pros

  • Customizable service fees and plan pricing
  • Customers can cancel plans at any time
  • Extensive list of add-ons
  • Vetted technician partners

Cons

  • No coverage in Washington or Wisconsin
  • Some customers have waited a while for technicians to arrive
  • Low coverage caps on some older appliances and components

Quick Facts

Locations Served: 48 states (excludes Wisconsin and Washington)

BBB Rating: A |  Accredited? No

Service Fee: $50 – $125

Although not BBB accredited, Liberty Home Guard has an A- rating and easily some of the highest customer reviews in the industry. At the time of this writing, customers have given the company an average of 4.59 out of 5 stars.

Locations: State Availability

Liberty Home Guard currently serves all states except for Wisconsin and Washington state. However, Washington, D.C. is included in its list of areas covered. Homeowners interested in a Liberty Home Guard home warranty plan should request a quote from the company to get their rate, as pricing varies by location.

Why We Like Liberty Home Guard

Liberty Home Guard claims to help homeowners by using technology to deeply evaluate what your home needs most based on its age, location, and other factors. For instance, older homes with new appliances may not need protection from an appliance plan as much as they would a home systems plan. Therefore, the company might recommend the home systems plan with a few key upgrades that give you the coverage you need.

Many customers are also pleased with how easy the process is to submit a claim to Liberty Home Guard. Homeowners can request service online, by calling the customer service line, or through live chat, making the claims process available at any time. Once you submit a claim, the company goes to work finding a technician who can help.

The company has affordable service fees that customers can personalize to fit their budgets. The fees range from $65-$125, with lower service fees making monthly payments slightly more.

Plans and Coverage Options

Appliance Guard (starts at $34.99 /mo.) – Covers clothes washer, clothes dryer, kitchen refrigerator, built in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling fan, exhaust fan, and garage door opener.

Systems Guard (starts at $34.99 /mo.) – Covers air conditioning, heating system, ductwork, plumbing system, electrical system, and water heater.

Total Home Guard (starts at $64.99 /mo.) – The Total Home Guard plan combines all the coverage of the Appliance Guard and Systems Guard plans into one low price.

📞 Offering the flexibility to cancel plans at any time, Liberty Home Guard provides a customer-friendly approach to home warranty service.

Optional Upgrades: Additional coverage is available for a sump pump, well pump, central vacuum, septic system pumping, stand alone freezer, limited roof leak, lighting fixtures, re-key, gutter cleaning, pest control, carpet cleaning, water softener, lawn sprinkler system, electronics protection, swamp cooler, trash compactor, ice maker, and more.

Liberty Home Guard has three plans for homeowners: Appliance Guard, which covers kitchen and laundry appliances, Systems Guard, which takes care of air conditioning, heating, plumbing, and other home systems, and Total Home Guard, which combines both into a convenient package for full-home protection. Appliance Guard adds some value over other companies by including ceiling fans, exhaust fans, and garage door openers to the appliance plan rather than making it an add-on only.

In addition to the value each plan offers, Liberty Home Guard adds a few benefits to customers, regardless of which plan they choose. For instance, current customers can get a discount on an additional home warranty plan to cover second homes or rental properties. Policies also come with exclusive discounts on appliances from partnered companies, helping homeowners upgrade their most-used appliances at affordable costs.

Liberty Home Guard Optional Add-Ons

Liberty Home Guard has an impressive list of optional upgrades for homeowners to add to their home warranty coverage, several of which you won’t find at most other best home warranty companies. For instance, the company extends coverage for wine coolers, trash compactors, saltwater pools, generators, and water softeners.

Additionally, customers can get help with simple maintenance services, like power washing, window washing, pest control, TV mounting, and gutter cleaning, when they sign up for any Liberty Home Guard plan.

Read the full review of Liberty Home Guard >>


7. First American Home Warranty

First American Home Warranty has been serving homeowners for almost 40 years and has been BBB-accredited since 2000. At the time of this writing, the company has a B rating with the BBB. The company states that more than half of its customers put their home warranties to use each year by filing claims for repairs or replacements.

Pros

  • Affordable coverage and service fees
  • Optional coverage for luxury appliances
  • Annual and monthly payment options
  • Responsive customer service

Cons

  • Not available in 15 states
  • No coverage for central air conditioning
  • Only 30-day guarantee for repairs and replacements

Quick Facts

Locations Served: 35 states (excludes Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

BBB Rating: B |  Accredited? Yes

Service Fee: $50 – $125

This company competes with other best home warranty companies, like American Home Shield and Choice Home Warranty, by providing homeowners with different plans to cover appliances and home systems. It also makes submitting claims as easy as possible with its simple online claims portal that customers can access 24/7.

Locations: State Availability

First American Home Warranty is somewhat limited in the areas it serves. The company does not offer warranty coverage in these 15 states: Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin. Customers can verify that their state is covered by the home warranty company by requesting a free online quote.

Why We Like First American Home Warranty

Many home warranty companies have similar complaints from customers who have been dissatisfied with the service. A top complaint is that it sometimes takes a while to get a problem solved with a covered appliance or home system, like a refrigerator or air conditioner. First American Home Warranty gets similar complaints, but it sets itself apart in its customer service. The company’s complaints through BBB and other review sites seem to get responded to promptly for quick resolutions, which is something many homeowners can appreciate.

Unlike many other warranty companies, First American Home Warranty offers generous caps on appliance replacements. For instance, while a standard limitation for a company is to pay no more than $1,000 per appliance – some, even less – First American Home Warranty offers homeowners up to $3,500 for select appliances. Additionally, the company also doesn’t place a dollar limit on air conditioning refrigerant replacements as some competitors do.

Plans and Coverage Options

Starter (starts at $34.99 /mo.) – Covers plumbing system, electrical system, heating system, dishwasher, refrigerator, oven, cooktop, and built-in microwave oven.

Essential (starts at $44.99 /mo.) – Covers plumbing system, electrical system, heating system, dishwasher, refrigerator, oven, cooktop, built-in microwave oven, clothes washer, clothes dryer, water heater, air conditioning, garage door opener.

Premium (starts at $64.99 /mo.) – The Premium plan includes everything in the Starter and Essential plans, plus luxury appliance coverage, garbage disposal, full garage door system, faucets, instant hot water dispenser, and additional coverage and enhancements.

👍 First American Home Warranty offers robust warranty plans, including optional coverage for luxury appliances.

Optional Upgrades: Additional coverage is available for additional refrigeration, pool or spa, well pump,  circulating pump, ceiling and exhaust fan, toilet tank and bowl, and central vacuum system.

Home warranty coverage with First American Home Warranty typically costs between $40-$60, depending on where you live and what plan you choose. Uniquely, this company does not offer an appliance-only plan as many do. Instead, its base plan includes a few kitchen appliances plus plumbing, electrical, and heating systems. The mid-tier Essentials plan adds laundry machines, water heaters, garage door openers, and air conditioning.

Homeowners get the most for their money with Premium, which covers faucets, instant hot water dispensers, luxury appliances, and a few other parts of the home that some companies leave out of their plans.

First American Home Warranty Optional Add-Ons

First American Home Warranty gives homeowners the option to upgrade their plans to include more non-standard coverages, like an additional refrigerator and pool and spa equipment. Overall, the upgrade options are somewhat limited.

However, the company does offer a comprehensive First Class Upgrade with one-of-a-kind inclusions, like knobs, dials, and accessories on certain appliances, heating registers and filters, and lifting equipment needed to repair or replace an air conditioning system. Homeowners choosing this option also get coverage for building code and permit violations, refrigerant disposals, and improper installations or modifications.

Read the full review of First American Home Warranty >>


8. First Premier Home Warranty

First Premier Home Warranty has roots in the home warranty business dating back over 30 years. Headquartered in Brooklyn, New York, the company offers home warranty coverage across the country, providing quick and responsive customer service to homeowners needing repairs or replacements for appliances or home systems.

First Premier Home Warranty is not accredited with the BBB, but it currently has a B- rating with the agency.

Pros

  • Affordable plans and add-ons
  • $15,000 annual cap on select items
  • Several add-on options
  • Platinum Plan pays for up to two heating and air conditioning units

Cons

  • Not available in California and Texas
  • No appliance-only plan
  • Website isn’t as transparent as others about pricing and exclusions

Quick Facts

Locations Served: 48 states (excludes Texas and California)

BBB Rating: D |  Accredited? No

Service Fee: $75

Locations: State Availability

Currently, First Premier Home Warranty covers most states, leaving out only Texas and California. Prices for plans vary by state, and getting a free quote is the most accurate way to check pricing in your area.

Why We Like First Premier Home Warranty

First Premier Home Warranty doesn’t necessarily have much that makes it stand out from other companies, as it offers the typical home systems and full home coverage plans you’d expect from a home warranty company. However, for homeowners who don’t want to pay for extra bells and whistles they don’t need, this kind of company could be a good match.

First Premier Home Warranty has competitive pricing for its plans, probably because it does not include all those extras. In most cases, homeowners pay between $45-$65 per month for their plans, which works out to about $500-$800 a year. With service fees as low as $60, these prices are affordable for most homeowners for additional protection outside of their homeowners insurance.

Customers also note that this company has a senior discount, saving eligible seniors about $50 for an annual plan. This perk isn’t common among the best home warranty companies, so it’s something worth considering if you’re a senior homeowner on a limited income.

Plans and Coverage Options

Premier Plan (starting at $39.99 /mo.) – Covers plumbing system, plumbing stoppage, water heater, whirlpool bathtub, electrical system, oven, range, stove, cooktop, sump pump, built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener, ceiling and exhaust fan.

Platinum Plan (starting at $64.99 /mo.) – The Platinum Plan includes everything in the Premier Plan, plus A/C system (2 units), heating system (2 units), refrigerator, clothes washer, and clothes dryer.

🔧 The Platinum Plan covers up to two heating and air conditioning units for extensive protection of major home systems.

Optional Coverage – Addons include pool or spa, limited roof leak, central vacuum, sump pump, well pump, septic system, septic pumping, second refrigerator, stand alone freezer, water softener, refrigerator ice maker, free standing ice maker, and sprinkler system.

Rather than including an appliances-only plan in its lineup, First Premier Home Warranty has two plans with a mix of both appliances and home systems. The Premier Plan includes plumbing and electrical systems but leaves off air conditioning and heating systems. With this plan, homeowners also get protection for ovens, water heaters, dishwashers, and ductwork.

Platinum Plan adds more protection by including heating and air conditioning systems, a refrigerator, and a clothes washer and dryer. For most homeowners, this plan will probably make the most sense.

The company typically has a sale happening at any time throughout the year, giving homeowners savings like two free months or a dollar amount or percent-off discount on annual pricing. If you’re on the fence about signing up, consider coming back in a month or two to see what deal First Premier Home Warranty is currently offering.

First Premier Home Warranty Optional Add-Ons

First Premier Home Warranty keeps its base plans affordable by excluding coverage for items that many homeowners don’t have, like a pool or spa, well pump, water softener, or a second refrigerator. Instead, you can purchase these as add-ons, adding an annual amount to your base plan. Depending on the add-on, you might pay an additional $25 to $150 per year.

A popular upgrade is the limited roof leak repair, which offers replacements for lost shingles and other minor roof repairs. You can also add a clothes dryer or washer to the Premier Plan if you don’t want to jump to the Platinum Plan’s higher pricing. A freestanding ice maker, additional oven, and sprinkler system are other options to choose from.

Read the First Premier Home Warranty full review >>


9. Choice Home Warranty

Based in Edison, New Jersey, Choice Home Warranty offers warranty protection for homeowners across the United States. The company is a member of the National Home Service Contract Association (NHSCA) and Service Contract Industry Council (SCIC), focusing its attention on giving homeowners peace of mind when it comes to protecting their homes and home systems.

Pros

  • Affordable $85 service fee
  • 24/7 customer service
  • First month is free with any sign-up
  • Service requests can be made online or by phone

Cons

  • Not available in Washington
  • No coverage for known or unknown preexisting conditions
  • Customers cannot select their own service providers
  • Allows only up to $500 in roof leak coverage

Quick Facts

Locations Served: 49 states (excludes Washington)

BBB Rating: C |  Accredited? No

Service Fee: $85

Choice Home Warranty is not yet accredited with the Better Business Bureau (BBB) as of the time of this writing. However, the BBB gives it a D+ rating based on its customer reviews and complaints, most of which relate to problems with technicians not correcting a problem or taking a long time to address the issue.

Locations: State Availability

Choice Home Warranty is available in all states except Washington. Customers in Georgia and California may receive slightly different coverage options than residents of other states due to those states’ laws governing home warranty services. You can learn more about these options by calling Choice Home Warranty customer service.

Why We Like Choice Home Warranty

Despite its low BBB score, it’s clear that many customers choose and are happy with their coverage from Choice Home Warranty. The company has received recognition from several ranking and review websites and currently has a 3.8-star rating on Trustpilot.

One of the reasons Choice Home Warranty is one of the best home warranty options considered by homeowners is its affordable plans. Most homeowners, depending on the size of their home and where they live, will pay less than $60 per month for coverage, which is a small price to pay for home systems and appliance protection. There are also several add-ons for homeowners to get just the right coverage for their needs.

Choice Home Warranty also makes submitting claims simple with its online submission portal, which customers can use simply by logging in to their accounts. Customers can also call the company 24/7 if they prefer to have a representative help them with their claims.

Plans and Coverage Options

Basic Plan ($46 – $65 /mo.) – Covers home systems including heating system, electrical system, plumbing system, plumbing stoppage, water heater, whirlpool or jetted bathtub, oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, and garage door opener.

Total Plan ($55 – $85 /mo.) – Covers everything included in the Basic Plan plus ceiling and exhaust fans, washing machine, clothes dryer, air conditioning system, and refrigerator.

💡 With availability in 49 states and a range of customizable plans, Choice Home Warranty is a top choice for homeowners nationwide.

Optional Coverage – Optional coverage is available for pool, spa, well pump, sump pump, central vacuum, limited roof leak, septic system, 2nd refrigerator, stand-alone freezer, and septic tank pumping.

Choice Home Warranty offers a Basic Plan for home systems coverage and a Total Plan that covers both home systems and appliances. Heating systems, plumbing systems, ductwork, dishwashers, and washers and dryers can all be included in your coverage, depending on the home warranty plan you choose.

The company provides comprehensive coverage for many included home systems and appliances. You won’t have exclusions on things like garbage disposals, ovens and cooktops, and ceiling and exhaust fans, so you won’t have any unexpected costs to pay out of pocket.

Each service, regardless of how small or large, requires an $85 service fee paid to the servicing contractor. However, Choice Home Warranty does not require you to pay the service fee if the work cannot be completed within 30 days of your claim.

Choice Home Warranty Optional Add-Ons

If your home has a sump pump, septic system, pool, or other items that aren’t covered under a Choice Home Warranty plan, you can pay extra monthly for additional coverage. The company has optional coverage for a second refrigerator, a stand-alone freezer, and central vacuum systems.

One of the most popular add-ons from this warranty company is its roof leak repair coverage, which allows for up to $500 to repair leaks in livable parts of the home. Choice Home Warranty add-ons typically range between $40-$200 per year.

Read the Choice Home Warranty full review >>


What Is the Best Home Warranty Company?

When it comes to choosing the best home warranty company 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.