5 Best Home Warranty Companies in Georgia (2024)
Living without air conditioning in the middle of a Georgia summer is uncomfortable, to put it mildly. A home warranty can help. These service agreements cover repair and replacement costs when your major home systems and appliances break down—including your air conditioning. This home protection plan can save you the time and hassle of locating a qualified AC repair technician.
We reviewed over 50 leading home warranty companies and chose the best options for Georgia residents. We chose Liberty Home Guard (LHG) as our top choice for its extensive add-on catalog and coverage for multiple cooling systems. American Home Shield (AHS) is our second pick due to its comprehensive plans and generous HVAC coverage. Learn more about our top home warranty picks to help protect your Georgia home.
Key Takeaways:
The 5 Best Home Warranty Companies in Georgia
Liberty Home Guard offers excellent add-on coverage plus protection for up to two AC units. American Home Shield provides comprehensive appliance and system coverage, including generous cooling and heating caps. We’ve listed our complete list of Georgia home warranty companies below:
Company | BBB Rating | Monthly Cost | Service Fee | Visit Site |
---|---|---|---|---|
B | $29–$89 | $100–$125 | VISIT SITE | |
B | $44–$47 | $60–$75 | VISIT SITE | |
A | $49–$59 | $65–$125 | VISIT SITE | |
B | $42–$82 | $75–$125 | VISIT SITE | |
A+ | $44–$58 | $70 | VISIT SITE |
The pricing information in this article uses a 2,180-square-foot, single-family home in Atlanta, Georgia. Your monthly premium may vary based on your home’s location, size, and type and your plan and add-on choices.
How We Rated Home Warranty Companies in Georgia
To select Georgia’s top home warranty companies, our team researched the common home appliance and system issues residents face. This research included contacting local real estate and repair professionals, discovering common Georgia home inspection failures, and determining essential home installations based on the state’s regional climates. We then contacted home warranty companies for sample quotes, spoke with representatives, and reviewed home warranty policies.
Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We reviewed coverage options to ensure key protection for HVAC and roof leaks appeared in baseline coverage or as an add-on. We weigh premium costs versus overall plan value. We verified brand reputation through the Better Business Bureau and by reading customer reviews on third-party sites. Finally, we reviewed availability and services based on customer support availability, the claims process, and the estimated processing timeline.
Georgia Home Warranty Company Reviews
Read more about our top Georgia home warranty providers below.
Do I Need a Home Warranty in Georgia?
A Georgia home warranty can save you money on expensive repairs and replacements if a major system or appliance, such as your water heater, air conditioning system, or refrigerator, breaks down due to normal wear and tear.
Without home warranty protections, you’re stuck with finding emergency repair services, which could cost hundreds or more in repair bills.
Our team researched the most common systems and appliances that Georgia homeowners often repair and their associated costs:
Item | Average Cost to Repair | Average Cost to Replace |
$30–$150 | $2,000–$7,000 | |
Refrigerators | $40–$350 | $200–$5,000 |
Ovens | $100–$430 | $400–$3,000 |
$100–$650 | $2,500 and $15,000 | |
$150–$2,000 | $5,000–$13,000 |
Data sourced from The Home Depot
How Much Does a Home Warranty Cost in Georgia?
Based on the pricing information we obtained for this article, you can expect to pay an average of $52 monthly or $624 annually for a Georgia home warranty. Additionally, service fees range between $75–$125 per claim. The cost of a home warranty can vary widely based on additional factors, such as home size, plan coverage, and add-ons. We’ll detail some key factors below:
- Add-on coverage: Choosing add-ons will increase your monthly and annual premium costs. We recommend assessing your coverage needs and only essential add-ons as needed. For example, only a few home warranty companies include roof-leak coverage in their plans, so expect to pay extra for this coverage.
- Home size: Based on the hundreds of quotes we’ve pulled, coverage costs increase roughly 10%–15% if your home is larger than 4,000 square feet. We suggest requesting quotes from at least three home warranty companies to compare coverage costs.
- Specialized vs. comprehensive coverage: The amount of coverage a provider offers in its standard plans and its selection of add-ons affect cost. Our research shows that companies covering over 20 items, such as add-ons, charge more for a coverage plan. We suggest getting a specialized plan if you only need coverage for specific systems or appliances.
How To Choose a Home Warranty in Georgia
Before buying a home warranty in Georgia, consider the following factors to help you get the most out of your plan:
- Check technician availability: Ensure the home warranty company you choose has in-network technicians near you, especially if you live in a rural area. If in-network service providers aren’t in your area, ensure your home warranty provider allows you to hire your own technician and reimburse your expenses.
- Consider your local weather: Take into account your local climate. For example, if you live in an area prone to heavy snowfall, such as Rabun County, consider a home warranty coverage with a generous heating coverage cap.
- Select your preferred communication: How do you prefer to communicate with your home warranty company? If you prefer the convenience of an online portal, choose a company that includes access to one. If you prefer using your smartphone, consider a company with a dedicated mobile app.
How Are Home Warranties Regulated in Georgia?
Our research shows that Georgia’s Office of Commissioner of Insurance and Safety Fire (OSISF) regulates insurance companies and automotive service contracts. However, there isn’t a clear indication that the OSISF includes home warranties within its jurisdiction. Georgia still protects consumers who purchase a home warranty through the state’s Attorney General’s Consumer Protection Division. You can file a complaint with this division if your home warranty provider refuses to resolve your dispute.
Although there isn’t clear government oversight for home warranties in Georgia, there are industry organizations that enforce self-regulation. For example, the National Home Service Contract Association (NHSCA), comprised of member companies that follow set requirements, has divisions in all states, including Georgia. Its Georgia division lists all the member companies available within the state to help you choose a reputable company.
Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
Life span and repair cost data sourced from InterNACHI and Home Depot
Other Resources for Residents in Georgia
- Best Homeowners Insurance in Georgia
- Best Solar Companies in Georgia
- Best Moving Companies in Georgia
FAQ About Home Warranties in Georgia
How much is a home warranty in Georgia?
On average, a Georgia home warranty costs slightly over $600 annually, with more comprehensive plans costing slightly more than basic plans. Your location, chosen plan, home size, and amount of add-ons you want in your plan will all affect pricing.
What’s the difference between homeowners insurance and a home warranty?
The difference between homeowners insurance and a home warranty is the type of home protection offered. Homeowners insurance covers exterior damage to your home due to weather and other “acts of god.” However, system and appliance failures are not included in that coverage. A home warranty will cover your major home items when they break down due to normal wear and tear. Having both types of protection offers complete coverage for your home and the systems within it.
When should you buy a Georgia home warranty?
A Georgia home warranty can be purchased at any time during the homeownership process.
We recommend that all first-time home buyers purchase a home protection plan to cover major systems and appliances. Typically, a real estate agent will include a home warranty in the closing process to sweeten the deal. If you’re an existing homeowner, we can purchase a home warranty whenever you feel you need additional protection.
Our Detailed Rating Methodology
We score each provider using a detailed rating methodology to score each provider objectively. We use four comparison categories and rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trustworthiness and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
- Claims process
- Guaranteed response time
- Service flexibility
Find Home Warranties in GA
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