A home warranty plan, unlike homeowners insurance, protects you from unexpected repairs or replacements. Home systems and appliances can last a while. For instance, HVAC systems can last more than a decade. However, if you're a homeowner of an older home, you might deal with a breakdown sooner than you expect.
When it comes to choosing the right plan, you'll want to check out the best home warranty companies, many of which offer comprehensive plans as well as numerous add-on options. In this article we review the top home warranty providers, exploring the pros and cons of each, and help you navigate the different options.
When you're shopping for home warranties, you want to consider multiple factors, from types of plans and customer service reliability, to network of technicians and pricing. We've done the research and found the best home warranty providers.
American Home Shield, our top-rated pick, has been in business since 1971. They are BBB accredited and receive top marks for their customer service. With their plan cost structure, you can vary the amount of your monthly or yearly premium to have a higher or lower service fee.
The provider's four plans include one for Appliances, one for Systems, one Combo plan, and a Build Your Own option. You've got the ability to customize your coverage with this well-respected industry leader.
✓ Long tenure in the home warranty business
✓ Excellent appliance coverage
✓ Extensive network of repair technicians
☓ Most expensive service fee option of $125 is above national average
☓ No roof coverage option
American Home Shield offers three plans—an appliance plan, a systems plan, and a combo plan. The prices for each plan vary. A representative shared with us that, on average, the plans cost around $20-$65. The service fee will be $75, $100, or $125.
American Home Shield also offers optional add-ons for pool and spas, guest units less than 750 square feet, well pumps, and septic pumps.
Kenny V says of his American Home Shield experience:
“I have been 10 years with AHS. I started when I moved into my new home. As you know equipment will fail over time. Over the years I have had multiple repairs thru AHS from washer, dishwasher, fridge, air conditioning, water heater, well pump etc. They have always stood by their agreement. They even changed out a contractor if the contractor did not look like they could do the job. I am extremely happy with them and will continue to rely on their help when needed. I can recommend them highly.”
Choice Home Warranty has a low service fee of $85, which can get even lower with discounts. We also like their add-on coverage, which includes limited roof leaks, septic tank pumping, septic system, pool/spa, and more. They also renew contracts and they cover items regardless of their age. They also provide clear, transparent contracts and excellent customer satisfaction.
✓ Discounts available all year round
✓ High customer satisfaction ratings
✓ 24/7 technician availability
✓ Affordable plans
☓ California and Washington aren’t covered
☓ Some essential systems are only covered with a higher-priced plan
Choice Home Warranty offers two plans—a Basic Plan and a Total Plan. When we spoke to a representative, they shared that the average cost per month is around $29-$42, while the service fee is $85.
Choice Home Warranty offers optional add-ons including roof leaks, septic systems, septic tank pumping, well pumps, sump pumps, second refrigerators, stand-alone freezers, central vacuum, and pool and spas.
Gwen describes her experience with Choice Home Warranty:
“I've been very pleased with the service thus far. Technicians have been prompt, courteous, and professional.”
A newer arrival on the block, Select Home Warranty has been in business for 7 years. They offer coverage to homeowners in every state except Alaska, and they are our top pick for budget-conscious shoppers. With a service of $75, three levels of plans, and discounts offered regularly, their prices are appealing to homeowners watching their spending.
To get a free quote from Select Home Warranty, call 317-204-4697 or fill out this simple form.
✓ Lower-than-average $75 service fee
✓ No limit to the number of repairs
✓ Repair people available 24/7
☓ Not BBB accredited
Select Home Warranty offers three home warranty plans—Broze Care, Gold Care, and Platinum Care. The Bronze Care plan covers seven items, including cooktops, dishwashers, garbage disposals, built-in microwaves, refrigerators, stove/ovens, and clothes washers and dryers. The Gold Care plan covers six systems, including AC/cooling, ductwork, electrical systems, heating systems, plumbing systems, and water heaters. The Platinum Care plan is the most comprehensive plan covering 16 items, including all items from the other two plans, plus coverage for garage door openers, plumbing stoppages, and ceiling fans.
Isaac recommends Select Home Warranty, sharing that:
“The contractor came to me within 3 hours I filed the claim, fixed my furnace, very polite, quick response time. Highly recommend.”
This provider has two plans, add-on coverage, and a $75 service fee. First American also offers unlimited service calls with 24/7 availability. The company isn’t as widely as available as other providers and we recommend reading the terms and conditions to know what it covered and what is not, but it’s a good option.
✓ More than 30 years in business
✓ Accredited by the Better Business Bureau
✓ Add-on coverage available
☓ Not widely available
☓ Difficult cancellation policy
First American Home Warranty offers a Basic Plan for both buyers and sellers, an Eagle Premier Plan, and a First Class Upgrade.
According to one First American Home Warranty customer:
“First American protects me from any of the major problems with my appliances and where I would normally pay, you know, thousands of dollars for new appliances. I rely on my First American home warranty to help me replace them or fix them as needed.”
This provider offers four different plan levels, including two combo plans. What makes this provider unique is the cancel-anytime option. However, you are required to get annual HVAC maintenance, if you want it covered. Accredited by the Better Business Bureau, America’s 1st Choice Home Club has a B rating.
To get a free quote from AFC Home Club, call 877-755-1115 or fill out this online form.
✓ Choose your own service technician
✓ You can cancel anytime
✓ A systems plan, appliances plan, and two combo plans
☓ Doesn’t cover pre-existing conditions
☓ The claims process isn’t as quick as others
AFC Home Club offers four plan options—Platinum, Gold, Silver, and a Systems Plan. The Platinum Plan is the most comprehensive option, covering 14 items, and it’s the only plan that covers built-in microwaves and ice makers. The Gold Plan is the second most comprehensive plan, covering twelve items.
The Silver Plan covers six appliances, including a clothes washer and dryer, refrigerator, oven, dishwasher, garbage disposal, and a garage door opener. Lastly, the Systems Plan covers six systems, including air conditioning, heating, water heaters, electrical, plumbing stoppages, and ductwork.
According to this America’s 1st Choice Home Club customer:
“It is refreshing when you log onto [the] website, and have NO problems. Everything you need is on one page.” - Paul B.
We recommend comparing what’s available in the marketplace by getting a free quote from the best providers.
Home warranties protect your home appliances and systems from everyday wear and tear. There are three different types of warranties typically available: an appliances plan, a systems plan, and a combo plan. The best providers offer add-on coverage, as well.
A home warranty covers major appliances and systems that are properly maintained and do not usually require a home inspection. Best of all, they can be purchased at any time, so home sellers, home buyers, and new homeowners can all benefit from them.
Typical items covered by home warranties include:
The best home warranty companies give you optional coverage to choose as well, which may include sump pumps, septic system, pool/spa, roof leak, second refrigerators, and more.
When you have a plan, typically you’ll receive coverage within 30 days, but some plans take longer to go into effect.
Here’s what you can expect from your home warranty provider:
The process is easy, and best of all, can save you hundreds (even thousands) if you have a breakdown.
A: Generally speaking, no. If you buy your home warranty coverage while your systems or appliances are in good working condition and are properly maintained, most providers will cover future repairs. Always make sure you read your contract to fully understand your specific coverage.
A: Factors to consider when you’re choosing a home warranty provider include what type of coverage you want, how much you want to pay per month, technician network, customer service availability, and the terms and conditions.
A: You might be surprised to learn that some parts of your appliances or systems are not covered. For example, air conditioner filters are typically not covered by your warranty protection plan. The following isn’t covered either: poorly-maintained systems or appliances, breakdowns or failures that occur due to natural hazards, theft, or other crimes.
A: This depends. Not all providers are available in all states. Make sure when you're shopping for a warranty plan, you check the company's coverage service areas.