The Best Home Warranty in Florida (2020)

If you need a Florida home warranty, read our guide on the best home warranty companies in the Sunshine State to compare coverage plans, benefits, and pricing.
By Home Service Research Team
November 20, 2020
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Looking for the best home warranty company in Florida? Our review team analyzed all of the major home warranty companies in the industry and ranked them on factors like cost, plans, and reputation. In this article, we reveal the three best home warranty companies in Florida. Continue reading for details on these providers and to get a free quote.

Best Home Warranty Companies in Florida

  • #1: American Home ShieldBest Overall (Visit Site)
  • #2: Choice Home WarrantyBest for Older Homes (Visit Site)
  • #3: Select Home Warranty Best for Budget Shoppers (Visit Site)

In this article:

  • #1 - American Home Shield
  • #2 - Choice Home Warranty
  • #3 - Select Home Warranty
  • Conclusion
  • Frequently Asked Questions

#1: American Home Shield

American Home Shield (AHS) was founded in 1971 and currently operates a nationwide network of over 16,000 independent contractors. AHS provides quick claims service and responds to claims within 24 hours, 98% of the time. Because of its large contractor network, quick claims service, and years of experience, we named American Home Shield as the best overall home warranty company in Florida.

To get a free quote from American Home Shield, call 844-529-9298 or complete this form.

American Home Shield Plans

American Home Shield offers three pre-packaged plans: a Systems Plan, an Appliances Plan, and a Combo Plan. Ultimately, which plan is best for you depends on what items in your home are important to have covered.Compare these plans below, and keep reading for sample pricing for each.

The company's Appliances Plan covers:

  • Refrigerators
  • Ranges/Cooktops
  • Ovens
  • Dishwashers
  • Built-in Microwaves
  • Free-standing Ice Makers
  • Built-in Food Centers
  • Clothes Washers and Dryers
  • Garage Door Openers
  • Trash Compactors

However, the Systems Plan covers:

  • Air Conditioning
  • Heating
  • Ductwork
  • Built-in Exhaust/Vent/Attic Fans
  • Main Breaker/Fuse Panel Box
  • Doorbells/Chimes
  • Interior Electrical Lines and DC Wiring
  • Smoke Detectors
  • Ceiling Fans
  • Central Vacuum
  • Interior Plumbing Line Leaks and Breaks
  • Plumbing Stoppages
  • Toilets
  • Faucets
  • Plumbing Fixtures and Valves
  • Whirlpool Tub Motors and Components
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Garbage Disposals

The Combo Plan offered from the company combines the coverage of the Appliances and Systems plans. Keep in mind there's a small price increase, but you're getting a lot more coverage.

Because refrigerators and air conditioning systems are both important items to maintain during Florida’s hot summer months, we recommend the Combo Plan for the most comprehensive coverage.

Optional Add-ons

American Home Shield offers five optional add-ons:

  • Guest unit under 750 square feet
  • Pool and spa
  • Septic pump
  • Electronics extended warranty
  • Well pump

American Home Shield Cost

According to the sample quotes our team received, American Home Shield plans cost between $49.99–$59.99 per month, and the company charges a customizable service fee between $75–$125. Keep in mind that the lower service fee you choose, the higher your monthly premium will be and vice versa.

  • Systems Plan: $49.99 per month
  • Appliances Plan: $49.99 per month
  • Combo Plan: $59.99 per month
  • Service fee: $75–$125

Get a free quote from American Home Shield by calling 844-529-9298 or by completing this form.

#2: Choice Home Warranty

Founded in 2008, Choice Home Warranty has quickly become one of the most popular home warranty companies in Florida. Choice offers a generous service guarantee of 90 days on parts and 30 days on labor and responds to customers within 48 hours after a claim is submitted. 

Additionally, Choice covers home systems and appliances, regardless of their age. Because of these attributes, our review team named Choice as the best home warranty company for older homes in Florida.

You can get a free quote from Choice Home Warranty by calling 929-400-6165 or filling out this form.

Choice Home Warranty Plans

Choice Home Warranty offers two coverage options: a Basic plan and a Total plan. We recommend the Total plan because the Basic plan doesn’t cover air conditioning systems or refrigerators.

The Basic Plan covers the following:

  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppages
  • Water heater
  • Whirlpool bathtub
  • Oven/range/stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

The Total Plan covers everything in the Basic Plan, plus:

  • Air conditioning system
  • Refrigerator
  • Garbage disposal
  • Clothes washer
  • Clothes dryer

Optional Add-ons

Choice Home Warranty offers nine optional add-ons:

  • Second refrigerator
  • Stand-alone freezer
  • Septic system
  • Pool/spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic tank plumbing

Choice Home Warranty Cost

According to the sample quotes we received, Choice Home Warranty’s plans cost under $50 per month and the service fee costs between $60–$85.

  • Basic Plan: $36.17 per month
  • Total Plan: $43.85 per month
  • Service fee: $60–$85

To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this form.

#3: Select Home Warranty

Florida homeowners on a budget should consider Select Home Warranty as their provider because it offers three comprehensive coverage plans for under $40 a month. Additionally, Select Home Warranty offers free roof leak coverage and charges a low service fee of $75. 

You can get a free quote from Select Home Warranty by calling 888-370-3956 or filling out this form.

Select Home Warranty Plans

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan covers eight appliances,  the Gold Care plan covers six systems, and the Platinum Care plan covers all 14 of these items, plus plumbing stoppages, ceiling fans, and garage door openers.

We recommend the Platinum Care plan for Florida homeowners because it’s the only plan that covers a refrigerator and an air conditioning system—two home items worth protecting from the Florida heat.

The Bronze Care plan covers the following items:

  • Clothes washer
  • Garbage disposal
  • Refrigerator
  • Stove/oven
  • Built-in microwave oven
  • Cooktop
  • Dishwasher
  • Clothes dryer

The Gold Care plan covers the following items:

  • Electrical system
  • Heating system
  • Plumbing system
  • AC/Cooling
  • Water heater
  • Ductwork

Finally, the Platinum Care plan covers everything in the Gold and Bronze Care plans, plus:

  • Plumbing stoppages
  • Garage door opener
  • Ceiling fans

Optional Add-ons

Select Home Warranty offers seven optional add-ons:

  • Well pump
  • Sump pump
  • Central vacuum
  • Pool pump
  • Stand-alone freezer
  • Lawn sprinkler system
  • Septic system

Select Home Warranty Cost

As previously mentioned, Select Home Warranty premiums cost under $40 per month, making this home warranty provider one of the cheapest home warranty providers in Florida.

  • Bronze Care: $35.83 per month
  • Gold Care: $35.83 per month
  • Platinum Care: $37.50 per month
  • Service fee: $75

To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this form.


Our review team found that Choice Home Warranty, Select Home Warranty, and American Home Shield are the best home warranty companies in Florida for their comprehensive plans, 24/7 customer service, and affordable pricing. Before you purchase a home warranty, we recommend getting free quotes from all three companies so that you can compare specific prices and coverage for your Florida home.

Frequently Asked Questions

What is a home warranty?

A home warranty is a service contract that protects you from paying for expensive repairs and replacements on home appliances and systems that break down due to normal wear and tear.

Is a home warranty worth it?

Because of the potential cost savings and peace of mind that a home warranty can bring, some homeowners believe that having a home warranty is worth it. Not to mention, a home warranty can prevent you from having to look for a trusted contractor in your area when you’re in need of a repair or replacement.

What is the best home warranty in Florida?

Our review team found that American Home Shield is the best overall home warranty company in Florida, Choice Home Warranty is the best for older homes, and Select Home Warranty is the best for budget shoppers.