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Best Home Warranty Companies in Utah

Residents in Utah face a unique climate year-round that can cause wear and tear on home systems and appliances. To protect items like washers, dryers, air conditioning, and heating, consider investing in a Utah home warranty plan.

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A Utah home warranty can offer financial assistance to cover the costs of repairs or replacements when systems and appliances fail due to normal wear and tear. Policies will cover systems up to a specific amount per contract, and the types of equipment that are protected will vary by provider.

Because there are so many home warranty companies available, The This Old House Reviews Team did the research for you and analyzed plan options, coverage, piercing, and customer reviews to help you find the best home warranty. Keep reading for the top five home warranty providers in Utah.

Utah’s Top 5 Home Warranty Companies

The highest rated home warranty companies in Utah include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Service
  3. First American Home Warranty: Best Value
  4. Select Home Warranty: Lowest Deductible
  5. AFC Home Club: Best for Customization

1. American Home Shield

American Home Shield (AHS) is one of the best home warranty companies in Utah, providing comprehensive plans, a variety of optional add-ons, and flexible pricing. As a veteran in the home warranty industry, AHS has over 45 years of experience and has served over 1.8 million homeowners nationwide.

Pros & Cons

✔ Allows you to choose your own contractor
✔ Provides additional benefits, like discounts on appliances and electronic extended warranties
✔ Covers items with undetectable pre-existing conditions

✘ No coverage for roofs or standalone freezers
✘ Relatively high premiums compared to other home warranty companies

Plans & Pricing

American Home Shield offers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver plan covers 14 major systems, including your HVAC units. The ShieldGold adds to the ShieldSilver plan with coverage for appliances, totaling 23 items. The ShieldPlatinum covers the same items as the ShieldGold plan, but coverage limits are increased, and every homeowner with the ShieldPlatinum plan receives one free HVAC tune-up per year.

American Home Shield’s limits are generous compared to other home warranty companies. However, AHS doesn’t protect against cosmetic items, pre-existing conditions, or repairs caused by poor maintenance.

In addition to a monthly premium, American Home Shield charges policyholders a service fee of $75, $100, or $125. A higher service call fee will result in lower premiums.

Here’s a pricing breakdown of American Home Shield plans with a $100 service fee:

  • ShieldSilver: $44.99 per month
  • ShieldGold: $54.99 per month
  • ShieldPlatinum: $69.99 per month
To get a free quote from American Home Shield, fill out this quick online form or call 888-751-6014.

Learn more: American Home Shield Review


2. Choice Home Warranty

Another option for those seeking a reliable home warranty company in Utah is Choice Home Warranty (CHW). The company has been in business since 2008 and prides itself on its commitment to customer service, providing customers with a claims center that’s open 24 hours a day, seven days a week.

Pros & Cons

✔ Covers systems and appliances regardless of age
✔ Offers coverage without requiring a home inspection
✔ Has a 90-day repair guarantee

✘ Coverage cap of $1,500 is low compared to the $3,000 offered by American Home Shield
✘ Provides only two plans, whereas AHS and other companies provide up to four
✘ Customers can’t build their own plan

Plans & Pricing

Choice Home Warranty offers both basic and comprehensive coverage with its two packages: Basic Plan and Total Plan. Both protection plans cover systems and appliances, but the Total Plan includes protection for your air conditioning, refrigerator and ice maker, clothes washer, and clothes dryer.

Like American Home Shield, Choice Home Warranty covers essential components of systems and appliances but excludes pre-existing conditions and issues caused by sediment buildup, misuse, and cosmetic parts.

CHW also offers optional add-on coverage for the following items: Pool, spa, central vacuum, second refrigerator, well pump, limited roof leak, stand alone freezer, sump pump, septic system, septic tank pumping

As for service fees, Choice Home Warranty requires a $60–$85 fee to be paid to the technician when they arrive to diagnose your broken item.

Here’s a pricing breakdown of Choice Home Warranty plans:

  • Basic Plan: $36.17 per month
  • Total Plan: $43.85 per month
To get a free quote from Choice Home Warranty, fill out this form or call 929-400-6165.

Learn more: Choice Home Warranty Review


3. First American Home Warranty

First American Home Warranty (FAHW) is another top home warranty provider in Utah. It was established in 1984 and provides affordable monthly premiums and deductibles.

Pros & Cons

✔ Covers systems and appliances regardless of age
✔ Offers coverage without requiring a home inspection
✔ Has a 90-day repair guarantee

✘ Coverage cap of $1,500 is low compared to the $3,000 offered by American Home Shield
✘ Provides only two plans, whereas AHS and other companies provide up to four
✘ Customers can’t build their own plan

Plans & Pricing

First American Home Warranty offers two plans: a Basic Plan and Premier Plan. The Basic Plan covers home appliances, while the Premier Plan covers systems and appliances like your dishwasher, air conditioning, water heater, and ductwork.

First American is different from other home warranty companies in Utah because it covers systems and appliances that have been improperly installed, modified, or maintained.

FAHW also offers policyholders with more extensive coverage by including these optional add-ons: Additional refrigeration, central air conditioning, first-class upgrade, pool and spa, well pump

Service fees are a flat $75 for policyholders in the Mountain State of Utah.

Here’s a pricing breakdown of First American plans:

  • Basic Plan: $28.00 per month
  • Premier Plan: $42.50 per month
To receive a free quote from First American Home Warranty, fill out this form or call 833-777-0049.

Learn more: First American Home Warranty Review


4. Select Home Warranty

Select Home Warranty (SHW) is another home warranty provider in Utah. The company offers three plans that are all under $40 a month, and if you sign up today, you get $100 off and two months free.

Pros & Cons

✔ Free roof coverage in every plan
✔ Unique add-ons for fixtures, switches, outlets, and lawn sprinkler systems
✔ 90-day repair guarantee

✘ Low coverage caps
✘ Less experience than the other Utah providers

Plans & Pricing

Select Home Warranty has three plans: Bronze Care, Gold Care, and Platinum Care. Gold Care protects systems, and Bronze Care protects appliances. Platinum Care covers the systems and appliances in the other two plans and adds coverage for garage door openers and plumbing stoppages.

You can customize your coverage with these optional add-ons: Second refrigerator, stand-alone freezer, lawn sprinkler system, septic system coverage, refrigerator’s ice maker, plumbing fixtures, lighting fixtures, switches and outlets, pool and spa equipment, well pump, sump pump, central vacuum

Every time a technician visits your home to repair or replace a covered item, you will pay a service fee of $60-$75.

Here’s a pricing breakdown of Select Home Warranty plans:

  • Bronze Care: $35.83 per month
  • Gold Care: $35.83 per month
  • Platinum Care: $37.50 per month
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3956.

Learn more: Select Home Warranty Review


5. America’s First Choice Home Club

While most home warranty companies offer two or three protection plans, America’s First Choice Home Club (AFC Home Club) offers four, which allows customers to find the right plan to fit their home’s needs.

Pros & Cons

✔ Lifetime service guarantee
✔ Four plans instead of the industry norm of two or three
✔ Other membership perks, like free credit monitoring

✘ $75 cancellation fee
✘ Must submit a claim within 24 hours of the breakdown

Plans & Pricing

AFC Home Club’s four plans are called Systems, Silver, Gold, and Platinum. The Systems Plan protects six systems, while the Silver Plan protects six appliances. The Gold Plan protects all 12 systems and appliances, and the Platinum Plan adds coverage for the ice maker and built-in microwave.

AFC Home Club has add-ons for these items: Sump pump, well pump, pool and spa, septic system, hot water dispenser, standalone freezer, central vacuum, tankless water heater

Like American Home Shield, you can choose a service fee between $75 and $125.

Here’s a pricing breakdown of AFC Home Club plans:

  • Systems Plan: $43.18 per month
  • Silver Plan: $43.18 per month
  • Gold Plan: $52.27 per month
  • Platinum Plan: $59.09 per month
To get a free quote from AFC Home Club, fill out this online form or call 877-755-1115.

Learn more: America’s First Choice Home Club Review


Our Conclusion

American Home Shield, First American Home Warranty, Choice Home Warranty, Select Home Warranty, and AFC Home Club are five of the best providers in Utah and will protect major systems and appliances in your home. We recommend getting a quote from all five companies so you can compare coverage options and choose a plan that best fits your budget and home protection needs.

Frequently Asked Questions

If you’re still not sure which Utah home warranty is best for you, take a look at the most commonly asked questions below when it comes to buying a home warranty.

Are home warranty plans worth it?

For many homeowners, comprehensive coverage from a home warranty Utah provider is one of the best ways to ensure systems or appliances are protected from normal wear and tear. These service contracts are also ideal for homeowners who don’t have an emergency budget to spend on expensive repairs or replacement costs.

Will home warranty plans replace the HVAC system?

When an air conditioning system or central heating unit fails, a home warranty can cover some of the costs to replace an inoperable system. Check your sample contract to determine how much your home warranty company will pay for a replacement.

Do home warranties cover pre-existing conditions?

Home warranty service contracts almost always exclude pre-existing conditions. However, companies like First American Home Warranty cover items that were improperly installed, modified, or maintained.

When should I buy a home warranty?

Consider signing up for a home warranty when buying a home. In some instances, a real estate agent will include a home warranty in the sale to offer you protection for your first year of homeownership. Even if you don’t invest in a home warranty when you purchase a house, you can purchase one at any point during homeownership.

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