clock menu more-arrow no yes

Best Home Warranty Companies in Miami

If your home systems or appliances break down due to normal wear and tear, you’ll wish you had a home warranty. We’ve compiled a list of the best home warranty companies in Miami to help south Florida homeowners find the right home warranty for their needs.

Exterior of a home in Miami with a green front yard and tropical plants Adobe

Between high winds and flooding, homeowners insurance is a vital purchase in Miami. However, this insurance won’t cover damage to home appliances and systems that happens outside of a natural disaster. If your air conditioner breaks down simply because it’s old and has to work hard, you’ll be on the hook for expensive repair or even replacement bills.

This is where a home warranty is most useful. These residential service contracts cover the costs of repairing or replacing covered home systems and appliances. No one wants to face a south Florida summer without a working air conditioner. To reduce the likelihood you’re surprised by huge repair bills, we’ve compiled a list of the best home warranty companies in Miami.

Top 4 Home Warranty Companies in Miami

The highest-rated home warranty companies in Miami include:

1. American Home Shield: Best Overall

2. Choice Home Warranty: Best Service

3. Liberty Home Guard: Most Trusted

4. First American Home Warranty: Best Value

1. American Home Shield

We find that American Home Shield provides the best overall home warranty in Miami. This company offers decades of experience in the industry, generous coverage caps, and customizable plans to fit every homeowner’s needs.

American Home Shield Plans

American Home Shield’s three plans cover systems, appliances and systems, and both with additional benefits. Here is a breakdown of what each plan covers:

Plans

Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioning
Heating System
Ductwork
Electrical
Doorbells
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

If you need additional coverage for outdoor systems, American Home Shield offers add-on options for pools, spas, well pumps, septic pumps, and guest units.

American Home Shield Prices

Every home warranty comes with two price tags. The first is the service call fee, or deductible, which you’ll pay every time a technician comes to your home to diagnose or repair a problem. American Home Shield allows you to customize this fee. You can choose a deductible of $75, $100, or $125.

If you choose a higher deductible, your monthly premium will be lower. You pay this premium every month of your contract whether or not you use it. Homeowners who anticipate getting a lot of use out of their home warranty may want to choose a lower deductible with a higher premium.

Here are American Home Shield’s premium prices for a service call fee of $75:

Prices

Plans Monthly Premium Yearly Premium
Plans Monthly Premium Yearly Premium
ShieldSilver™ $44.99 $539.88
ShieldGold™ $54.99 $659.88
ShieldPlatinum™ $69.99 $839.88

Keep in mind that all listed prices may vary by your location and home size. For a personalized quote from American Home Shield, call 844-529-9298 or fill out this easy online form.

2. Choice Home Warranty

If customer service is the most important aspect to you, we recommend Choice Home Warranty. If any of its technicians’ work fails within 90 days of repairs, the company will send another technician to fix the problem for free.

Choice Home Warranty Plans

Note that Choice Home Warranty’s Basic Plan covers both systems and appliances, but only the Total Plan covers refrigerators, washers, dryers, and air conditioning systems.

Plans

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

Choice Home Warranty also offers add-on coverage for some other common home systems.

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

Choice Home Warranty Prices

The service call fee for a Choice Home Warranty plan is $85, which is $10 higher than the industry average. However, the company’s premiums are accordingly on the lower end of the scale.

Prices

Plans Monthly Premium Yearly Premium
Plans Monthly Premium Yearly Premium
Basic Plan $36.17 $397.87
Total Plan $43.85 $482.35

Call 929-400-6165 or fill out this form to get more information about Choice Home Warranty’s plans and prices.

3. Liberty Home Guard

Although Liberty Home Guard has only been in business for two years, its excellent customer reviews and Better Business Bureau rating tell us that it’s a highly trustworthy company.

Liberty Home Guard Plans

As with some other home warranty companies, Liberty Home Guard offers three plans: one for appliances, one for systems, and one for both.

Plans

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

Liberty Home Guard’s list of additional coverage options includes some unique systems and services that other companies don’t cover.

  • 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

Liberty Home Guard’s service call fee of $60 is well below the industry average, making it a good choice for people who need to use their home warranty frequently.

Prices

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

Call 866-452-9107 or fill out this quick form to receive a personalized quote from Liberty Home Guard.

4. First American Home Warranty

Finally, First American Home Warranty earns a place on our list by offering excellent value for the money you’ll pay. First American’s plans cover rust, corrosion, and unknown pre-existing conditions, which most home warranty providers exclude.

First American Home Warranty Plans

In Florida, First American Home Warranty offers two plans: the Basic and the Eagle Premier. The only difference is that the Eagle Premier includes coverage for washers and dryers as well as the company’s First Class Upgrade. This option adds coverage for repair-related expenses like refrigerant recapture, building permits, and code upgrades.

Plans

Plans Basic Plan Eagle Premier Plan
Plans Basic Plan Eagle Premier Plan
Heating
Ductwork
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
Dishwasher
Oven/Range/Cooktop
Garbage Disposal
Instant Hot Water Dispenser
Trash Compactor
Re-Key Service
Kitchen Refrigerator
Clothes Washer and Dryer
First Class Upgrade

With either of the above plans, you can also purchase add-on coverage for the following.

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

First American Home Warranty Prices

The $75 deductible from First American is in line with the industry average, as are the premium prices.

Prices

Plans Monthly Premium Yearly Premium
Plans Monthly Premium Yearly Premium
Basic Plan $35.00 $420.00
Eagle Premier Plan $45.83 $550.00

Fill out this form or call 833-777-0049 to get a free First American Home Warranty quote.

Our Conclusion

Overall, we recommend American Home Shield for the best home warranty in Miami. However, depending on your budget and other needs, you may find one of the other companies on our list more appealing. Choice Home Warranty, for instance, provides its customers with superior service. Liberty Home Guard is the most trustworthy company on our list. For budget shoppers, First American Home Warranty offers the best value for money with its comprehensive coverage.

Frequently Asked Questions

How much does a home warranty cost in Miami?

Home warranties in Miami tend to be no more expensive than in other parts of the country. The average deductible is $75, and premiums tend to range from $30-$60 a month, or $360-$720 a year.

What does a home warranty cover in Miami?

Unlike homeowners insurance and manufacturers warranties, home warranties cover wear-and-tear damage. If a covered appliance or system breaks down in the course of normal use, a home warranty will cover repairs. Additionally, if repairs are impossible, the warranty will cover replacement of the item, though at slightly below retail value.

What Are the Benefits of a Home Warranty in Miami?

In addition to covering the costs of repairs or replacements, home warranties offer peace of mind to Miami homeowners. While these contracts don’t cover all types of damage, they do ensure that you won’t pay huge sums of money out of pocket for appliances and systems that wear out due to age and normal use. You will also have a company on your side that can connect you to its network of contractors so you don’t have to deal with the headache of finding a reputable technician on short notice.

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