Best Home Warranty Companies for Veterans (2024)

Monthly cost: $49.99–$59.99

We recommend Liberty Home Guard for veterans who have a range of systems and appliances that require coverage. LHG provides customers with comprehensive coverage through its three plans and more than 40 add-on options. Liberty offers discounts for veterans and allows plan holders to transfer coverage to new addresses within the 48 states it services.

We awarded Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how Liberty Home Guard performed in the following categories:

• Coverage (4.7 out of 5): LHG’s generous coverage plans and extensive add-on catalog earned it nearly full points in this category. 
• Value (4.25 out of 5): LHG’s reasonable prices earned it points in this category. It lost some points due to its unclear service fee policy. 
• Trustworthiness and Transparency (4.8 out of 5): LHG’s A rating with Better Business Bureau (BBB) and strong customer review scores earned it nearly full points in this category. 
• Availability and Service (4.3 out of 5): LHG’s limited contractor policy lost it some points in this category.

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. All three plans carry a coverage cap of $2,000 for appliances and home systems. The exceptions are electrical and plumbing systems, which have a cap of $500. It makes up for this with its 60-day workmanship warranty on all repairs.

• Appliance Guard: This plan covers nine home appliances, including clothes washers and dryers, garage doors, dishwashers, and refrigerators.
• Systems Guard: This plan covers six major home systems: air conditioning, heating, ductwork, plumbing, electrical, and water heaters. 
• Total Home Guard: LHG’s top-tier plan combines the other two plans for complete home systems and appliance coverage.

Liberty Home Guard’s monthly costs are higher than the industry standard with average-priced service fees. The following table summarizes Liberty Home Guard’s plans and prices.

Liberty Home Guard offers 42 optional add-ons such as pool and spa, sump pump, pest control, gutter cleaning, and lawn sprinkler system coverage. These add-ons range from $3 to $40 per month. Some of the most valuable add-ons include the following:

• Lighting fixtures
• Limited roof-leak 
• Septic system pumping
• Water softener

We were impressed with the customer communication from Liberty Home Guard. We reached out for a quote and were quickly connected to a customer service representative. Its website’s chat feature uses an automated bot. You’ll need to ask to speak to an agent twice to get in touch with a real person through the chat system. We learned that LHG lets you select your own technician if there are none available in your area’s preapproved list.

Monthly cost: $29.99–$79.99

We recommend American Home Shield (AHS) for veterans with older homes or systems and appliances nearing the end of their lifespan. Unlike most home warranty companies, AHS provides coverage for unknown preexisting conditions and physical damage. AHS also offers discounts to military personnel and veterans that can be applied on top of other promotions.

American Home Shield earned 4.4 out of 5 stars in review standards. Here’s how it scored in key categories:

• Coverage (4.7 out of 5): Its comprehensive coverage earned it nearly full points in this category.
• Value (4 out of 5): Its bundled premium pricing with higher-than-average costs lost AHS some points in this category.
• Trustworthiness and Transparency (4.25 out of 5): AHS’s lower-than-average customer review scores cost it some points in this category.
• Availability and Service (4.7 out of 5): AHS’s efficient claims process and 24/7 customer service earned it nearly full points in this category.

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Its system coverage cap exceeds the industry standard at $5,000. One of the most impressive elements of AHS’s plans is the inclusion of roof-leak coverage in its ShieldPlatinum plan. Roof-leak coverage is typically an add-on and is not commonly included in baseline coverage.

• ShieldSilver: This plan covers basic home systems, such as heating and electrical.
• ShieldGold: This plan is a direct upgrade from ShieldSilver and includes appliances and additional systems such as garbage disposals, water heaters, and plumbing.  
• ShieldPlatinum: AHS’s highest-tier plan covers everything from the ShieldGold plan with additional coverage for roof leaks and HVAC tuneups.

American Home Shield’s plan prices are higher than the industry average. It makes up for this with generous coverage caps and moderately priced service fees. The following table outlines AHS pricing:

AHS has the smallest add-on selection out of every company on this list. It offers the following six add-on options:

• Electronics
• Guest units
• Pool and built-in spa equipment
• Roof leak repair
• Septic pumps
• Well pumps

A member of our team reached out to AHS to test its claims and repair process. AHS was efficient and prompt. After submitting an online claim, our team member received a text and email confirmation within minutes. A technician reached out and scheduled an appointment for the following day. The repairs took about two hours and only required the payment of a service call fee.

Monthly cost: $44.42–$47.75

We recommend Select Home Warranty for veterans who want to get the most out of their dollar and save on home warranty costs. Select offers some of the most competitively priced plans that cost below $50 per month. Select’s generous pricing system may be a good fit for veterans on fixed incomes or those trying to budget.

We scored Select Home Warranty 4.3 out of 5 stars. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): Select lost points in this category due to its low coverage caps, which are significantly below the industry standard.
• Value (5 out of 5): Select’s affordable monthly pricing earned it full points in this category.    
• Trustworthiness and Transparency (4.5 out of 5): Select’s mixed customer review scores across independent review sites lost some points in this category.
• Availability and Service (4.3 out of 5): We docked points due to Select’s longer-than-average claim processing time.

Select offers three home warranty plans: Bronze Care, Gold Care, and Platinum Care. It has a low $500 dollar coverage cap for all appliances and home systems. The exception is its HVAC coverage cap of $3,000. Here’s a more detailed outline of Select’s home warranty plans:

• Bronze Care: This plan covers essential home appliances such as cooktops, clothes washers, and refrigerators. 
• Gold Care: This plan covers six home systems: heating, air conditioning, electrical, plumbing, water heaters, and ductwork.
• Platinum Care: This plan covers all items included in the Bronze and Gold Care plans and garage door openers, plumbing stoppages, and ceiling fans.

Select has among the lowest-priced premiums for annual and monthly plans. It has low service fees at only $60 to $75 per claim. The downside is that you cannot choose your service call fee. The following table breaks down Select’s plan costs:

Select has nine add-ons to choose from at $9 or less per month. The coverage caps for these options are low at $400. Select’s add-on options include the following:

• Central vacuum
• Lawn sprinkler system
• Pool
• Roof leak (FREE)
• Septic system
• Spa
• Standalone freezer
• Sump pump
• Well pump

We reached out to Select and spoke with a customer service representative. We learned that Select chooses which service technician from its network will arrive at your home. Select will let you choose your technician if no one from the preapproved network is in your area. However, Select must verify and approve the company before sending a technician to make repairs.

Monthly cost: $41.25–$72

We recommend First American Home Warranty for veterans with high-end appliances or a new home. First American has high appliance coverage caps, allowing you to protect expensive items while minimizing out-of-pocket payments.

First American Home Warranty earned 4.6 out of 5 stars. Here’s a breakdown of its rating in key categories:

• Coverage (4.7 out of 5): First American’s high appliance and unlimited systems coverage caps earned it nearly full points in this category. 
• Value (4 out of 5): We docked First American points in this category because of its high service call fees. 
• Trustworthiness and Transparency (4.8 out of 5): First American’s reputation and above-average customer reviews earned it nearly full points in this category. 
• Availability and Service (4.3 out of 5): First American’s restrictive service technician policy resulted in a loss of points in this category.

First American Home Warranty offers three plans: Starter Plan, Eagle Premier Plan, and Max plan. First American has a series of increasingly comprehensive plans, unlike other companies that offer two equal plans for appliances and systems. You can mix appliances and system coverage no matter what plan you buy. The downside is that each plan is more restrictive and covers fewer overall items. These plans are moderately priced with high coverage caps.

• Starter Plan: This is the most basic plan that covers essential appliances and systems, such as dishwashers, heating systems, and ductwork.
• Eagle Premier Plan: This is a direct upgrade to the starter plan and covers everything above, along with other essential items such as water heaters, air conditioners, and clothes washers.
• Max Plan: This is the most comprehensive plan that covers everything from the previous plan and luxury items such as faucets, garbage disposal, and roof leaks.

First American’s monthly premiums are moderate to high compared to the industry standard. It has higher-than-average service fees but generous appliance coverage caps and unlimited caps for most home systems.

First American provides 12 add-ons at varying price ranges. One of its most popular options is its roof-leak coverage for $8.33. The add-ons available to homeowners include the following:

• Additional refrigeration
• Central air conditioning (Starter Plan only)
• HVAC tune-up
• Limited roof-leak
• Pool/spa equipment 
• Septic tank pumping/system
• Water softener
• Well pump

A member of our team reached out to First American for a garage door opener repair. They submitted an online form and received a text message from a First American-approved technician within 30 minutes. The technician set up an appointment for the repairs in three days. Our team member paid a service call fee, and the repairs took less than half an hour.

Monthly cost: $31.50–$54

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for veterans looking for a customizable coverage plan. Its multiple plan options and add-ons let you pick a plan that suits your home’s unique needs.

AFC Home Warranty earned a score of 4.6 out of 5 stars in our review standards. Here’s how it performed in key categories:

• Coverage (4.3 out of 5): AFC Home Warranty uses a depreciating value policy that reduces coverage caps for older items. This policy isn’t customer-friendly and lost AFC points in this category. 
• Value (4.5 out of 5): AFC Home Warranty’s diverse plan variety and wide selection of add-ons earned it high points in this category. 
• Trustworthiness and Transparency (4.8 out of 5): AFC Home Warranty’s workmanship guarantee and above-average customer review scores earned it high points in this category.  
• Availability and Service (5 out of 5): AFC Home Warranty’s generous service provider policy that allows customers to pick their own technician earned it full points in this category.

AFC Home Warranty offers four protection plans: Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. Our research found that AFC Home Warranty will only pay up to an item’s depreciated value if the item is older than five years. This policy makes the provider less ideal for homeowners with older systems or appliances. AFC Home Warranty makes up for this by providing unlimited workmanship guarantees on all its plans.

• Silver Plan: This plan covers nine essential home appliances, such as clothes washers and dryers, dishwashers, and refrigerators.
• Gold Plan: This plan covers 15 major home systems and appliances, such as air conditioning, heating, plumbing, clothes washer and dryer, and ductwork.
• Platinum Plan: This plan covers everything in the previous two plans, plus plumbing stoppages, refrigerator ice makers, and built-in microwaves.
• Diamond Plan: This is the highest tier plan that AFC Home Warranty offers. It includes everything from the Platinum Plan plus electronics and exterior water and sewer lines.

The following table summarizes these plans and their associated costs, fees, and coverage caps.

AFC Home Warranty has 13 add-ons. The least expensive add-on is $25 (central vacuum), and the most expensive is $150 (in-ground pool and spa). These prices are significantly higher than the industry standard for add-ons. AFC Home Warranty’s add-ons include the following: 

• Built-in microwave
• Electronic coverage
• In-ground pool
• Roof leak
• Septic system
• Tankless water heater

We used AFC’s online portal to request a quote for a 2,000-square-foot home. The system required us to enter a home address, name, email account, and phone number. We received options and prices for each of AFC’s plans within less than a minute after entering our information. The process was quick, efficient, and user-friendly.