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The Best Home Warranty Companies in Florida

If you live in Florida and want extra protection for your home systems and appliances, consider investing in a home warranty. In this article, we’ll discuss the top five home warranty companies in Florida and help you pick a home protection plan that gives you peace of mind.

Florida Home Exterior iStock

A Florida home warranty can protect residents from paying expensive repair and replacement costs if a major home system or appliance breaks down due to normal wear and tear. Not to mention, having a home warranty plan can help expedite necessary repairs or replacements and prevent people from spending hours looking for a local, trusted contractor.

To make your warranty search easy, the This Old House Reviews Team has done the work for you. In this review, we’ll discuss the best home warranty companies in Florida and help you find the right home appliance insurance plan for your home.

Florida’s Top 4 Home Warranty Companies

The highest rated home warranty companies in Florida include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. Select Home Warranty: Lowest Deductible
  4. First American Home Warranty: Best Value

Our team took plan options, pricing, coverage, customer reviews, claims processes, and a variety of other factors into account when determining the best home warranty providers in Florida. Here are our top four picks.


1. American Home Shield

American Home Shield (AHS) is the best home warranty provider for Florida homeowners. AHS covers a variety of systems and appliances in your home and has three plan options to choose from: ShieldPlatinum, ShieldGold, and ShieldSilver. These plans are all available for one-year timeframes.

Plan Prices

In general, AHS plans cost between $48 and $50 per month. The company also has three service fees to choose from: $75, $100, and $125. If you choose a higher service fee, you’ll likely receive a lower premium.

Here are some other benefits of American Home Shield:

  • Has been around for more than 45 years and is a veteran in the home warranty industry
  • Provides generous coverage caps on systems and appliances
  • Offers 24/7 customer service
  • Covers 49 states, excluding Alaska
  • Has a 30-day workmanship guarantee
To get a free quote from American Home Shield, call 844-529-9298 or fill out this online form.

Learn more: American Home Shield Review


2. Choice Home Warranty

If you have an older home, consider signing up for a Choice Home Warranty (CHW) plan. Appliances and systems tend to break down more often in older homes, and CHW is ideal for those who may have to make claims more frequently.

Choice Home Warranty offers two plan options—a Basic Plan and a Total Plan. The Basic Plan covers systems and appliances like your plumbing, water heater, electrical system, and dishwasher. The Total Plan offers complete-home coverage and protects important items like your air conditioning, refrigerator, clothes washer, and clothes dryer.

CHW also provides coverage for additional options such as your pool, spa, well pump, roof leaks, septic system, central vacuum, and second refrigerator.

Here are plan prices for a single-family home less than 5,000 square feet in Miami, Florida:

Plan Prices

Price by Month Price by Year
Price by Month Price by Year
$41.69 $470.25
$50.00 $570.00

Note: Homeowners are required to pay a $60–$85 trade service call fee per claim in addition to their plan’s annual cost, no matter what the actual cost of the repair or replacement for the covered item.

Here are some additional benefits of Choice Home Warranty:

  • Won awards from Best Company, Angie’s List, Consumer Affairs, and Trustpilot in the 11 years they’ve been in business
  • Provides 24/7 customer service
  • Doesn’t require a home inspection before coverage starts
To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this online form.

Learn more: Choice Home Warranty Review


3. Select Home Warranty

If you’re on a budget, Select Home Warranty may be a good choice. Select has been in business for seven years and offers three plan options: Bronze Care, Gold Care, and Platinum Care.

Gold Care covers home systems like cooling and ductwork, Bronze Care covers appliances like your garbage disposal and built-in microwave, and Platinum Care covers all major home systems and appliances. Select also offers optional coverage for items such as your pool or lawn sprinkler system.

Compare Select Home Warranty plan prices below:

Plan Prices

Plan Price by Month Price by Year
Plan Price by Month Price by Year
Gold Care $52.00 $529.00
Bronze Care $52.00 $529.00
Platinum Care $58.00 $599.00

For each claim, you will be required to pay a $75 service fee.

Here are some additional benefits of Select Home Warranty:

  • Provides free roof leak coverage and optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, and condos
  • Offers two extra months free of coverage when you sign up today
For a free quote, call Select Home Warranty directly at 888-370-3956 or fill out this online form.

Learn more: Select Home Warranty Review


4. First American Home Warranty

First American Home Warranty (FAHW) provides some of the most affordable plans in the industry. It provides two plans—a Basic Plan and a Premier Plan—at an average cost of $28–$43 per month.

The Basic Plan covers home appliances while the Premier Plan covers all major home systems and appliances. Other optional add-ons include additional refrigeration, central air conditioning, pool and spa equipment, and a well pump.

What makes First American stand out is its First Class Upgrade which covers improperly installed, modified, or maintained appliances.

Here are the prices for First American Home Warranty plans:

Plan Prices

Plan Price by Month Price by Year
Plan Price by Month Price by Year
Basic Plan $28.00 $336.00
Premier Plan $43.50 $522.00

All plans have a $75 service call fee, payable online or to the technician at the initiation of a claim.

Here are some additional benefits of First American Home Warranty:

  • Offers flexible payment options for customers
  • Has a risk-free, 30-day, money-back guarantee
  • Has a claims department open 24 hours a day, seven days a week
To get a free quote, call First American Home Warranty directly at 833-777-0049 or fill out this online form.

Learn more: First American Home Warranty Review


Our Conclusion

The This Old House Reviews Team recommends these four home warranty companies for Florida homeowners. Before buying a home warranty and making a final decision, we encourage you to get quotes from several of these providers. Once you have quotes from a few companies, compare coverage options and try to price match with your favorite company to get the best deal possible.

Frequently Asked Questions about Florida Home Warranties

Who needs a Florida home warranty?

If you’re a first-time homebuyer, real estate agent, home seller, or seasoned homeowner, a home warranty service contract can protect major systems and appliances and prevent you from paying expensive, out-of-pocket costs on home repairs and replacements.

What is the best home warranty in Florida?

We believe American Home Shield is the best overall warranty for Florida homeowners, however, we have provided other options for those looking for more other types of coverage or cheaper alternatives.

How much does a home warranty cost in Florida?

The average home warranty costs between $300 and $600 a year, with an additional $75 to $125 for each service call. The companies recommended in this article fall in line with this price range.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.