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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.

In This Article:

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

#1 Best Overall: American Home Shield

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.

 

Get A Free Quote from American Home Shield

 

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. 

Pros:

  • Long tenure in the home warranty business
  • Excellent appliance coverage
  • Extensive network of repair technicians

Cons:

  • Most expensive service fee option of $125 is above national average
  • No roof coverage option

Plan Options

 

 

Appliance Plan

Systems Plan

Combo Plan

Oven, range, and cooktop

 

Built-in microwave

 

Dishwasher

 

Refrigerator

 

Built-in food center

 

Clothes washer and dryer

 

Free-standing ice maker

 

Garage door opener

 

Trash compactor

 

Electrical system

 

Air conditioning and ductwork

 

Heating system and ductwork

 

Ceiling fans

 

Plumbing and stoppages

 

Water heater

 

Water dispenser

 

Smoke detectors

 

Garbage disposal

 

Central Vacuum 

 

Optional Add-Ons

American Home Shield offers the following optional add-ons:

  • Pool and spa
  • Guest unit <750 sq. ft. 
  • Well pump 
  • Septic pump

Cost

The prices for each plan vary. A represenative shared with us that, on average, the plans cost around $20-$65. Your service fee will be $75, $100, or $125.

 

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

#2 Best for Older Homes: Choice Home Warranty

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. 

 

Get A Free Quote from Choice Home Warranty

 

Pros:

  • Discounts available all year round
  • High customer satisfaction ratings
  • 24/7 technician availability
  • Affordable plans

Cons:

  • California and Oklahoma aren’t covered
  • Some essential systems are only covered with a higher-priced plan

Plan Options

 

 

Basic Plan

Total Plan

Oven, stove, and cooktop

Built-in microwave

Dishwasher

Heating system

Ductwork

Water heater

Plumbing system

Plumbing stoppage

Electrical system

Exhaust and ceiling fans

Whirlpool bathtub

Garage door opener

Garbage disposal

Air conditioning 

 

Refrigerator

 

Clothes washer and dryer 

 

Optional Add-Ons

Choice Home Warranty offers the following optional add-ons:

  • Roof leak
  • Septic system
  • Septic tank pumping 
  • Well pump
  • Sump pump
  • Second refrigerator
  • Stand-alone freezer
  • Central Vacuum
  • Pool and spa  

Cost 

When we spoke to a representative, they shared that the average cost per month is around $29-$42, while the service fee is $85

 

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.”

 


 

select home warranty

#3 Best for Budget Shoppers: Select Home Warranty

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.

 

Get A Free Quote from Select Home Warranty

 

Pros:

  • Lower-than-average $75 service fee
  • No limit to the number of repairs
  • Repair people available 24/7

Cons:

  • Not BBB accredited 

 

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.”

 



first american

#4 Most Comprehensive Claim Coverage: First American Home Warranty

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. 

 

Get A Free Quote from First American Home Warranty

 

Pros: 

  • More than 30 years in business
  • Accredited by the Better Business Bureau
  • Add-on coverage available 

Cons:

  • Not widely available 
  • Difficult cancellation policy

 

According to a 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.”

 


 

americas first choice home club

#5 Most Flexible Plan Options: America’s 1st Choice Home Club

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

 

Get A Free Quote from America's 1st Choice

 

Pros: 

  • Choose your own service technician
  • Cancel anytime
  • A systems plan, appliances plan, and two combo plans

Cons: 

  • Doesn’t cover pre-existing conditions
  • The claims process isn’t as quick as others 

 

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. 

 


 

Honorable Mentions

the home service club logo

Best for Quick Coverage: The Home Service Club

Do you need home warranty coverage right away? Most plans take at least 30 days following a signed contract to go into effect, but The Home Service Club offers coverage as soon as within 10 days. The Home Service Club covers most states, making their plans available to most homeowners across the country. You can choose between two plan levels and get coverage on most states. 

 

Get A Free Quote from The Home Service Club

 

Pros:

  • Available nationwide 
  • Customizable coverage options
  • Positiver customer ratings 
  • Telephone wiring is included in their systems plan

Cons:

  • They have a varying service fee that can be quite high
  • Limited add-on coverage

 

This Home Service Club customer says:

“The service from Home Service Club is just excellent. From filing my claim down to the replacement of my air conditioner. The whole process is just seamless. I love it so much.”- Ty G. 

 

2-10 home warranty

Best for Newly Built Houses: 2-10 Home Warranty

This home warranty provider has been around for more than 30 years and has made it possible to choose between an appliances plan, a systems plan, and add-on coverage. They also provide a structural warranty plan, which most home warranty providers don’t. According to the Better Business Bureau, they have an A rating and have been accredited since 2005. 

 

Get A Free Quote from 2-10 Home Warranty

 

Pros:

  • Many years in the industry
  • Structural warranties

Cons:

  • High service call fees
  • Restrictions on coverage depending on your location

 

According to a 2-10 Home Warranty customer:

 “I like that they take care of your service claim quickly. They honor your repair according to the contract. They are quick with getting someone out to do the repair.”


 

Home Warranty Provider Comparison Table

We recommend comparing what’s available in the marketplace by getting a free quote from the best providers. Below you’ll find a side-by-side comparison of the top companies:

 

Rating

Provider

 

Number of Plans

Number of States Covered

Service Fee

Years in Business

Waiting Period

#1 Best Overall

American Home Shield

Get A Quote

4

49

$75, $100, or $125

48

30 Days

#2 Best for Older Homes

Choice Home Warranty

Get A Quote

2

48

$60-$85

11

30 Days

#3 Best for Budget Shoppers

Select Home Warranty

Get A Quote

3

49

$75

7

30 Days

#4 Most Comprehensive Claim Coverage

First American

Get A Quote

2

35

$75-$100

35

30 Days

#5 Most Flexible Plan Options

America’s 1st Choice Home Club

Get A Quote

4

50

$75, $100, or $125

10

30 Days

#6 Best for Quick Coverage

The Home Service Club

Get A Quote

2

47

$65, $95, or $125

12

10 Days

#7 Best for Newly Built Homes

2-10 Home Warranty

Get A Quote

3

42

$85

36

30 Days

 

The Benefits of a Home Warranty

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 include:

  • Home appliances, such as refrigerator, stove, dishwasher, microwave, dryer, and more.
  • Electrical systems, including interior wires, electrical lines, and more.
  • Plumbing systems, such as drains, valves, water lines, and more.
  • Heating and cooling systems, which cover your air conditioner and heater.

 

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.

How Do Home Warranty Protection Plans Work?

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:

  • When a covered system or appliance breaks, you make a claim through the company’s online system or by phone. 
  • The company will process the claim and send a qualified technician to your home.
  • You’ll pay a one-time service fee, as determined by your home warranty agreement.
  • The technician will diagnose the problem and determine the best plan for repairing or replacing. 

The process is easy, and best of all, can save you hundreds (even thousands) if you have a breakdown. 

 

Frequently Asked Questions 

Q: Do home warranties cover pre-existing conditions?

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.

Q: What should I look for in a home warranty provider?

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.

Q: What is not covered in a home warranty?

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.

Q: Which is the best home warranty provider in my state?

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. 

 

Photo Credit: Adobe Stock, © karamysh