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Best Home Warranty Companies in Maryland

A Maryland home warranty can help you pay for appliances and systems in your home that break down due to age or normal wear and tear. Keep reading for our top home warranty picks for Maryland residents.

Home Exterior,Maryland iStock

Having a home warranty can give you the peace of mind that comes with knowing that you won’t need to suddenly worry about how you’ll cover that $2,000 HVAC repair or replace that $600 washer you bought last year. But with so many home warranty companies out there, how can you tell which ones are worth your money—and which don’t deliver on their promises?

Maryland’s Top 4 Home Warranty Companies

The highest rated home warranty companies in Maryland include:

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

At This Old House, we understand that you don’t want to purchase a home warranty policy that doesn’t save you money. The This Old House Reviews Team researched and compared a variety of home warranty providers to find the best home warranty companies in Maryland. Here’s a closer look at the top five providers.

1. American Home Shield

American Home Shield (AHS) is one of the best home warranty companies in Maryland. It’s a veteran in the home warranty industry and provides nationwide coverage, excluding Alaska.

Pros & Cons

Pros Cons
Pros Cons
Has more than 45 years in the home warranty industry Repairs are guaranteed for only 30 days
Can add additional coverage for electronics You are pre-assigned a technician by the provider
You set your own service call fee

AHS offers three plan options: ShieldPlatinum, ShieldGold, and ShieldSilver. The ShieldPlatinum plan is the most comprehensive coverage plan, covering 23 essential systems and appliances, while the ShieldSilver plan is American Home Shield’s most basic plan, covering 14 important home systems.

AHS also offers coverage for items with damage due to rust and corrosion and items with undetectable pre-existing conditions. Additionally, American Home Shield allows you to add coverage for any of the following appliances and systems:

  • Pool/spa
  • Well pump
  • Septic pump
  • Guest unit under 750 square feet
  • Additional electronics coverage

In general, you can expect to pay between $40 and $58 for an American Home Shield plan. Like other home warranty companies in Maryland, American Home Shield charges customers a service fee whenever you file a claim. AHS allows customers to choose between $75 and $125. The higher the service fee you choose, the lower your monthly premium.

To get a free quote from American Home Shield, call 844-529-9298 or fill out this online form with your zip code.

2. Choice Home Warranty

Choice Home Warranty is our top recommended home warranty provider for older homes in Maryland. It provides coverage regardless of the age of your home and doesn’t discriminate against older systems and appliances.

Pros & Cons

Pros Cons
Pros Cons
Covered items are guaranteed for repair within 90-days Customers can’t choose their own repair technicians
Customer service available is 24 hours a day and 7 days a week Doesn’t allow customers to build their own plan
Cancellation policy applies for first 30 days after contract begins May offer you cash in lieu of repairs or replacements if an item can’t easily be replaced

Choice Home Warranty offers two plans—a Basic Plan and Total Plan—along with the option to add coverage to either plan. The Basic Plan covers damage caused by normal wear and tear on 14 major home components like your water heater and electrical system, while the Total Plan offers comprehensive coverage for all components in the Basic Plan, as well as your air conditioning, refrigerator, clothes washer, and clothes dryer.

Here are the optional add-ons available with Choice Home Warranty:

  • Pool and spa
  • Central vacuum system
  • Well pump
  • Roof leaks
  • Sump pump
  • Septic system and septic tank pumping
  • Second refrigerator or stand-alone freezer

The pricing for CHW’s two plans, as well as the additional coverage option, are listed below:

  • Basic plan: $36.17 per month
  • Total plan: $43.85 per month
  • Optional coverage: $40.00–$180.00 per year

CHW charges a service fee between $60–$85 for service requests. This is on-par with other companies in the industry.

Get a free quote from Choice Home Warranty by calling 929-400-6165 or by filling out this simple online form.

3. Select Home Warranty

One of the most cost-effective home warranties in Maryland is available through Select Home Warranty. This company charges low monthly premiums and service fees and even provides free roof coverage, something rarely included in warranty plans. When you sign up with Select, you will also receive a $100 discount off any plan and get your first two months of coverage free.

Pros & Cons

Pros Cons
Pros Cons
Service fees are lower than those charged by other providers Cancellation fee is $75
Complementary two months of coverage for new customers Some reports of service contractors not being paid for their work
Provides 24/7 customer service No mobile app for consumers to use

Customers can choose from Select’s three affordable plans—Bronze Care, Gold Care, and Platinum Care. Gold Care is for systems, Bronze Care is for appliances, and Platinum Care is for both.

You can get coverage for more areas of your home with Select’s add-ons, including ones for these items:

  • Plumbing fixtures
  • Lighting fixtures
  • Switches and outlets
  • Pool and spa equipment
  • Well pump

The pricing for each Select Home Warranty plan can be found below.

  • Bronze Care: $35.83 per month
  • Gold Care: $35.83 per month
  • Platinum Care: $37.50 per month

You’ll also pay a $75 per-incident service fee every time you request service from a Select technician.

Get a free quote from Select Home Warranty by calling 888-370-3956 or by entering some basic information into their online form.

4. First American Home Warranty

First American Home Warranty is close to American Home Shield in terms of experience with 35 years in the home warranty industry. The company has two plans, which are both under $40 a month.

Pros & Cons

Pros Cons
Pros Cons
First Class Upgrade that covers installation and removal fees Not available in AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, or WI
Coverage for items regardless of items No air conditioning coverage without an add-on
35 years of experience

First American has a Basic Plan and Premier Plan. The Basic Plan protects eight appliances, including a washer, dryer, refrigerator, and dishwasher. The Premier Plan covers those eight appliances plus eight systems, like heating, electrical, and plumbing.

If you want more coverage, you have these add-on options:

  • Central air conditioning system
  • Secondary refrigeration
  • Pool and spa equipment
  • Well pump
  • First Class Upgrade

Here is the pricing information for the two plans:

  • Basic Plan: $25 per month
  • Premier Plan: $39.50 per month

The service fee for First American Home Warranty is $75 per visit.

To get a free quote from First American Home Warranty, fill out this online form or call 833-777-0049.

Our Conclusion

These four home warranty companies offer some of the best coverage in Maryland. Because plan pricing varies based on where you live, the square footage of your home, and the type of coverage you select, we recommend getting quotes from all four providers so you can compare coverage and select a plan that falls within your budget.

Frequently Asked Questions about Maryland Home Warranties

When should I buy a home warranty?

We recommend buying a home warranty when you buy a house (some real estate agents will include one during the closing process), but you can sign up for a home warranty at any time during homeownership.

Are home warranties worth the money?

If you have all-new appliances and systems in your home, you might not need a home warranty. However, if your home appliances are older, a home warranty could save you a significant amount of money on costly repairs and replacements.

What’s the difference between a home warranty and homeowners insurance?

A home warranty covers major systems and appliances that break down due to normal wear and tear, while homeowners insurance protects your home in the event of a fire, natural disaster, or theft.

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