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Best Home Warranty Companies in Cincinnati (2022)

Check out our list of the best home warranty companies in Cincinnati. Homeowners in southern Ohio don’t need to worry about unexpected repair bills if their home appliances and systems are covered by a home warranty.

Exterior of a house Adobe

Homeowners in Cincinnati know that they’ll get plenty of use from both their heating and air conditioning systems throughout the year. Over time, however, even properly maintained HVAC systems will wear out and finally break. Repairing these home systems can be costly, in the range of $600–$700, but replacing them can be even more expensive, with bills of $2,500 or above.

To keep from having to pay these unexpected maintenance costs, consider purchasing a home warranty. A home warranty is a contract that covers repairs and even replacements to your home’s important appliances and systems when they break down due to normal wear and tear. Many homeowners find that a home warranty is well worth the cost for the peace of mind it provides.

The This Old House Reviews team has compiled a list of the best home warranty companies in Cincinnati to make your search easier.

Top 4 Home Warranty Companies in Cincinnati

The highest-rated home warranty companies in Cincinnati include:

American Home Shield

For the best overall experience with a home warranty company, we recommend American Home Shield. This provider represents the best balance of coverage, value, and service, and you’ll get the benefit of the company’s 50 years in the home warranty industry.

American Home Shield Plans

Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Refrigerators -
Ranges, Ovens, and Cooktops -
Clothes Washer -
Clothes Dryers -
Dishwashers -
Built-In Microwave -
Trash Compactors -
Freestanding Ice Maker -
Garage Door Opener -
Built-In Food Centers -
Coverage Boost - -
Roof Leak Coverage - -

American Home Shield offers three home warranty plans: one to cover systems, one to cover appliances and systems, and one to cover both with extra perks. Below is a breakdown of what each plan covers.

American Home Shield also provides additional coverage for pools, spas, well pumps, septic pumps, and guest units up to 750 sq. ft. Each of these options is priced separately.

American Home Shield Prices

Payment Option ShieldSilver™ ShieldGold™ ShieldPlatinum™
Payment Option ShieldSilver™ ShieldGold™ ShieldPlatinum™
Monthly Premium $44.99 $54.99 $69.99
Yearly Premium $539.88 $659.88 $839.99

With every home warranty, you need to take into account two costs: the service call fee and the premium. The service call fee, or deductible, is what you’ll pay every time a contractor visits your home to diagnose or repair a problem. For American Home Shield, you can choose a service call fee of $75, $100, or $125.

You might choose a higher service call fee if you want to pay a lower premium. The premium is what you’ll pay for every month (or year) of your contract whether you use it or not. It might make sense to choose a higher premium and a lower service call fee if you anticipate needing a lot of contractor visits. Here are the premium prices for American Home Shield’s lowest deductible of $75.

For more information on pricing, call 844-529-9298 or fill out this online form to get a quote.

Choice Home Warranty

For those who find customer service to be the highest priority, Choice Home Warranty may be especially appealing. This company’s 90-day workmanship guarantee is three times the length of most of its competitors’ guarantees.

Choice Home Warranty Plans

Plans Basic Plan Total Plan
Plans Basic Plan Total Plan
Heating System
Electrical System
Plumbing System
Plumbing Stoppages
Water Heater
Whirlpool Bathtub
Built-In Microwave
Garbage Disposal
Garage Door Opener
Ceiling and Exhaust Fans
Air Conditioning System -
Refrigerator -
Clothes Washer -
Clothes Dryer -

Although Choice Home Warranty offers only two plans, even its Basic Plan covers most important home appliances and systems.

Here are the additional coverage options you can choose with either of Choice Home Warranty’s plans.

  • Pool/spa
  • Well/sump pump
  • Central vacuum
  • Limited roof leaks
  • Septic system
  • Second refrigerator
  • Standalone freezer
  • Septic tank pumping

Choice Home Warranty Prices

Payment Option Basic Plan Total Plan
Payment Option Basic Plan Total Plan
Monthly Premium $36.17 $43.85
Yearly Premium $397.87 $482.35

At $85, Choice Home Warranty’s service call fee is a bit higher than average, but its premium costs are very reasonable.

For a free quote, call 929-400-6165 or fill out this quick form to get started. Prices may vary based on location and home size.

Liberty Home Guard

Liberty Home Guard is the only provider on our list to receive an A+ from the Better Business Bureau for its transparent business practices and its satisfactory response to customer complaints.

Liberty Home Guard Plans

Plans System Guard Appliance Guard Total Guard
Plans System Guard Appliance Guard Total Guard
Clothes Washer -
Clothes Dryer -
Kitchen Refrigerator -
Built-In Microwave -
Dishwasher -
Garbage Disposal -
Range/Oven/Cooktop -
Ceiling and Exhaust Fans -
Garage Door Opener -
Air Conditioning -
Heating -
Ductwork -
Plumbing -
Electrical -
Water Heaters -

Similar to other companies, Liberty Home Guard’s three plans are a systems, appliance, and combination plan.

If you need coverage for additional items, check Liberty Home Guard’s list of add-ons, some of which are fairly uncommon in the industry.

  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Standalone freezer
  • Re-key
  • Second refrigerator
  • Well pump

Liberty Home Guard Prices

Payment Option System Guard Appliance Guard Total Guard
Payment Option System Guard Appliance Guard Total Guard
Monthly Premium $49.99 $39.99 $59.99
Yearly Premium $599.88 $479.88 $719.88

Liberty Home Guard’s service call fee is only $60, well under the industry average. Here are the associated premium costs.

To confirm the price for your home's coverage, call 866-452-9107 or fill out this form.

First American Home Warranty

We find that First American Home Warranty offers excellent value for the money you’ll spend, particularly with the company’s First Class Upgrade addition. First American’s offerings vary from state to state, but in Ohio, the company offers three plans.

First American Home Warranty Plans

Plans Basic Plan Value Plus Plan Eagle Premier Plan
Plans Basic Plan Value Plus Plan Eagle Premier Plan
Central Air Conditioning
Electrical System
Garage Door Openers
Attic, Ceiling, and Exhaust Fans
Central Vacuum System
Plumbing System and Stoppages
Toilet Tanks and Bowls
Water Heater
Circulating Pump
Sump Pump
Pressure Regulators
Built-In Microwave
Garbage Disposal
Instant Hot Water Dispenser
Trash Compactor
Kitchen Refrigerator -
Clothes Washer and Dryer -
First Class Upgrade - -

Only First American offers the First Class Upgrade, which covers associated costs like refrigerant disposal, building permits, and limited code upgrades. It will also cover damage from improper installation or modification, which is unusual for a home warranty company. You can also purchase coverage for any of the following.

  • Additional refrigerators (up to 4 units)
  • Pool and/or spa equipment
  • Limited roof leak
  • Septic tank pumping/system
  • Well pump

First American Home Warranty Prices

Payment Option Basic Plan Value Plan Eagle Premier Plan
Payment Option Basic Plan Value Plan Eagle Premier Plan
Monthly Premium $31.67 $40.83 $46.25
Yearly Premium $380.00 $490.00 $555.00

All of First American’s plans come with a $75 service call fee. Here are the premiums for Ohio, Indiana, and Kentucky.

Fill out this easy form or call 800-891-9778 to get a personalized quote.

Our Conclusion

We assigned each of these companies a superlative to help you easily identify which is right for you. American Home Shield earns Best Overall for its comprehensive home warranty coverage, value, and 50 years of experience in the industry. Best Service is awarded to Choice Home Warranty for the provider’s unique 90-day workmanship guarantee. Liberty Home Guard, the only provider to receive an A+ from the Better Business Bureau, ranks as the Most Trusted. Lastly, First American Home Warranty is the Best Value, particularly when considering the company’s First Class Upgrade addition.

To better understand provider offerings across the state, check out our Best Home Warranty Companies in Ohio article.

Frequently Asked Questions

How much does a home warranty cost in Cincinnati?

Home warranty costs are measured in both monthly premiums and service call fees, or deductibles. Typically, a 12-month home service contract will have a monthly premium of between $30 and $60 plus a service call fee of between $60 and $125. Generally speaking, the more expensive your plan, the more appliances and systems your contract will cover.

What does a home warranty cover in Cincinnati?

Home warranties typically cover wear-and-tear damage on appliances and systems that have been properly maintained, no matter how old they are. If the item can’t be repaired or parts are no longer available, a home warranty will cover replacement of the item at cost.

However, it’s also important to know what a home warranty won’t cover. A few may cover rust and corrosion damage or unknown pre-existing conditions, but many don’t. In general, home warranties don’t cover accidental damage, acts of God, or breakage due to manufacturing defects.

What are the benefits of a home warranty in Cincinnati?

Homebuyers and sellers especially appreciate the comfort in knowing that they won’t face large, unexpected repair bills if something in the home wears out. However, even homeowners who have been in their current houses for a while can benefit from the peace of mind that a home warranty provides.

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