5 Best Home Warranty Companies for HVAC Systems (2024)

Monthly cost: $49–$59

We recommend Liberty Home Guard for homeowners who need coverage for multiple heating and cooling units and unique home protections. The company includes two HVAC units under its standard coverage and offers over 40 add-on options.

We scored LHG 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories:

• Coverage (4.7 out of 5): LHG scored well for its extensive HVAC coverage, which includes multiple units in its base coverage.
• Value (4.25 out of 5): We deducted points for its inconsistent service fee policy, which varies in cost by location and plan selection.
• Trustworthiness and Transparency (4.8 out of 5): LHG received a high score for its excellent brand reputation, which includes a 4.51 out of 5-star rating with the Better Business Bureau (BBB).*
• Availability and Service (4.3 out of 5): LHG lost points for its limited service contractor policy.

LHG provides three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Two of its plans, Systems Guard and Total Home Guard, include HVAC coverage. Reading through the LHG sample contract told us that the company offers a $2,000 cap for up to two heating or central air conditioning systems. Other providers offer extra unit coverage as an add-on.

LHG’s air conditioning coverage applies to ducted central and wall units up to a 5-ton capacity. However, window and wall units without ducts aren’t covered. LHG also covers traditional heating systems, excluding solar and geothermal units, and leaks or breaks in the ductwork. In addition, if your current equipment falls below 13 SEER, all repairs and replacements will include 13 SEER equipment or higher.

We’ll explain LHG’s coverage plans below:

• Appliance Guard: The appliance-only plan protects nine appliances, including dishwashers and clothes dryers. You receive $2,000 for appliance coverage.
• Systems Guard: The next plan offers system-only protections, covering essential built-in systems, including air conditioning, heating, and ductwork. Most systems receive $2,000, while plumbing and electrical max at only $500.
• Total Home Guard: This comprehensive plan includes Appliance Guard and Systems Guard coverage. All coverage caps remain the same.

LHG offers monthly and annual plans at midrange pricing. Service call fees fall between $65 and $125. We spoke with a representative who said the company assigns your service call fee based on your plan, add-ons, and location. Other providers typically offer a choice of service call fees, which help raise or lower your monthly premium rates.

The company offers 42 add-on options, the most options of any company in this review. It doesn’t offer any additional HVAC protections, but it does provide other home protections, including roof leaks, pest control, and professional appliance protections. Pricing ranges from $3.00 to $35.99 monthly, making them very affordable. Some popular coverage options include the following add-ons:

• Pool and spa
• Second refrigerator
• Septic system pumping 
• Window washing/cleaning

We read through online reviews and noticed several customers complimented LHG for its prompt customer support lines. We tested the process by calling customer support and using its live chat feature. We reached a live representative in under 30 seconds, demonstrating its quick phone support. However, the online chat starts with an automated bot that requires asking twice to speak to a live agent.

Monthly cost: $39–$99

We recommend American Home Shield for homeowners who need comprehensive coverage for older HVAC units. The company offers a $5,000 HVAC cap and covers rust, corrosion, and sediment damage. Many providers exclude these coverage types from their plans.

We scored AHS 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): AHS scored high for its comprehensive coverage, damage protection, and generous coverage cap. 
• Value (4 out of 5): AHS lost points for its higher bundled pricing, making it more expensive than other reviewed providers. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its lower customer review scores, which fell below three stars on several sites.
• Availability and Service (4.7 out of 5): AHS earned a high score efficient claims process, which took less than 24 hours during our testing. 

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We reviewed the AHS sample contract and learned that the company offers a $5,000 coverage cap with all three coverage plans. Its system-only plan, ShieldSilver, offers the most affordable protection if you only want system and HVAC coverage. ShieldSilver and ShieldGold include a $100 discount for heating and cooling tune-ups, plus air filter discounts starting at $5.25 each.

AHS doesn’t have a dollar limit on the covered components of air conditioners, other than geothermal units, which have a $1,500 limit. It covers several heating and cooling options, including ducted central air conditioners, wall units, geothermal units, mini-splits, heat pumps, and floor furnaces. AHS excludes nonpermanent installations such as window and portable heating and cooling units. Plans include an industry-standard 30-day workmanship guarantee.

Here’s an overview of AHS’s plans:

• ShieldSilver: This system-only plan includes major home systems, such as heating, cooling, and electrical. You receive $5,000 for most built-in systems, but geothermal units receive a $1,500 coverage cap.
• ShieldGold: The next plan tier offers comprehensive appliance and system coverage and includes plumbing, refrigerators, clothes washers, and dryers. Appliances receive a $2,000 cap, while systems retain the same coverage limit.
• ShieldPlatinum: This plan includes ShieldGold protections and adds additional perks, such as one free annual HVAC tune-up and $1,5000 in roof-leak coverage. Appliance coverage doubles to $4,000, and system limits remain unchanged.

AHS charges slightly higher for its comprehensive coverage compared to other providers. Unlike Select, AHS offers flexible service call fees that impact your premium costs. Our sample quote included options for a $100 or $125 service call fee. Our monthly premium lowered when we selected the higher service call fee.

AHS provides six add-on options, the smallest catalog in this review. Other providers offer at least eight or more. The company does offer options for additional HVAC protections, such as secondary unit coverage. Pricing ranges from $5 to $$18 per month.

Some add-on options include the following items:

• Guest units
• Pools and built-in spa equipment  
• Roof leak repair 
• Septic pumps

Our team member filed an online claim with AHS and received text and email confirmations almost immediately. AHS connected him with a technician within five minutes to schedule a next-day repair appointment. The repairs took two hours, and he only paid the standard service call fee. AHS had the most efficient claims process out of the home warranty companies we tested.

Monthly cost: $44–$47

We recommend Select Home Warranty for homeowners who need excellent HVAC coverage at an affordable rate. The company provides coverage plans priced below $50, some of the lowest rates in this review.

We scored Select 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (3.7 out of 5): Select lost points for its overall coverage caps, which fall well below the industry standard. 
• Value (5 out of 5): Select received a perfect score for its affordable premium pricing.     
• Trustworthiness and Transparency (4.5 out of 5): It lost points for its low review scores across several third-party review sites. 
• Availability and Service (4.3 out of 5): Select scored low for its limited service technician flexibility.

Select offers three plan options: Bronze Care, Gold Care, and Platinum Care. Analyzing Select’s sample contract shed light on the fact that the company offers a $3,000 cap for HVAC systems, double the industry standard. However, all other appliances and systems receive $500 limits.

Select covers central air conditioners with a capacity under 5 tons, including ductwork. However, the company excludes wall, window, and portable AC units from coverage. It also excludes solar or geothermal heating system coverage, refrigerant recapture, and disposal.

We’ve provided full details on Select’s plans below:

• Bronze Care: This appliance-only plan includes major appliances only, such as clothes washers and dryers, refrigerators, and cooktops. You receive a $500 cap per each system.
• Gold Care: The next plan covers six home systems, including air conditioning, heating, and ductwork. Coverage includes $3,000 for HVAC and $500 for all other systems.
• Platinum Care: Its highest plan combines the Bronze and Gold Care plans and adds garage door openers and ceiling fans. All coverage caps remain the same.

Select offers affordable pricing for its annual and monthly plans. The company will assign a service call fee of $60–$75. You can’t choose your service call fee. Speaking to a Select representative told us the fees are based on your chosen coverage plan, add-on items, and location.

Here’s a breakdown of Select’s pricing and service fees:

Select offers nine add-on options with pricing below $9, which is lower than that of other reviewed providers. However, add-on coverage caps don’t exceed $400 of protection, some of the lowest in this review. The company doesn’t offer additional HVAC coverage. Still, it does provide coverage for the following:

• Central vacuums
• Pools
• Roof leaks
• Stand-alone freezers

We learned during secret shopping that Select prefers processing claims and resolving account issues over the phone. We also discovered that the company uses its own network of technicians for its service repairs. Select lets you choose your own technician if there are no options in your area. However, the company must approve your contractor before repairs begin.

Monthly cost: $47–$87

We recommend First American Home Warranty if you need unlimited coverage caps for heating and cooling systems. The company offers up to $7,000 for appliance coverage and its First American Upgrade package, which covers physical damage and preexisting conditions.

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): The company received a high score for its unlimited HVAC coverage for most systems and generous appliance limits. 
• Value (4 out of 5): It lost points for its service call fees, which are slightly higher than other providers. 
• Trustworthiness and Transparency (4.8 out of 5): First American Home Warranty scored well for its higher average customer review scores. 
• Availability and Service (4.3 out of 5): It lost points for its limited service technician policy. 

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. Our team read through the First American’s sample contract and learned that the company offers coverage for heating systems in every plan. It excludes air conditioning protection in its Starter Plan but offers an add-on option. Other providers include air conditioning and heating system coverage within basic plans.

The company includes air conditioning protection in its Essential and Premium plans. Most HVAC systems receive unlimited coverage, but certain system types, such as geothermal and water source heat pumps, only receive $1,500 caps.

We’ll review First American’s coverage plans below:

• Starter Plan: This plan offers selective appliance and system coverage for built-in microwaves, heating systems, refrigerators, and more. You receive a $3,500 cap for appliances and no coverage cap for built-in systems.
• Essential Plan: The next tier extends the Starter Plan coverage to include more essential items, including air conditioning and clothes washers and dryers. Most coverage caps remain the same. Water heaters only receive a $1,000 limit. 
• Premium Plan: The most comprehensive plan includes the Essential Plan coverage and adds luxury appliances, roof leaks, and window air conditioning units. Systems caps remain the same, but appliance coverage doubles to $7,000.

First American Home Warranty offers annual and monthly premiums priced slightly higher than other providers. Using First American Home Warranty’s online quote tool showed us that the company allows you to choose from a $75, $100, or $125 service call fee. Our sample quote included the lowest service fee, which increased our premium costs.

We’ll detail First American Home Warranty’s premiums and fees below:

The company offers 12 add-on options, with pricing ranging from $2.08–$20.83. Additional HVAC coverage includes HVAC tune-ups for $2.08 monthly and central air conditioning for $8.33. You can also add the First American upgrade to the Essential and Premium Plan at no charge.

First American offers other add-on protections, including the following items:

• Limited roof leak coverage 
• Septic tank pumping/systems
• Up to three additional refrigerators

Our team member used First American Home Warranty to fix a garage door opener. He submitted an online claim on a Friday and received the technician’s information in 30 minutes. The technician scheduled a repair appointment for the following Monday, which took less than 30 minutes to complete. He paid only the service call fee.

Monthly cost: $34–$92

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for homeowners who need unrestricted HVAC coverage and extended repair protections. The company provides an excellent plan variety with four coverage plans, three service fees, 13 add-ons, plus an unlimited workmanship guarantee with every repair.

We scored AFC Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.3 out of 5): AFC Home Warranty received a lower score for its depreciation policy for items five years or older. 
• Value (4.5 out of 5): The company scored high for its flexible service fees and plan variety. 
• Trustworthiness and Transparency (4.8 out of 5): It received a high score thanks to its unlimited workmanship guarantee. 
• Availability and Service (5 out of 5): AFC Home Warranty earned a perfect score for its flexible service technician policy. 

AFC Home Warranty provides four plan options: a Silver Plan, a Gold Plan, a Platinum Plan, and a Diamond Plan. We read through the AFC Home Warranty’s sample contract directory and learned the company covers two air conditioning and heating units up to a 5-ton capacity. Covered items include compressors, condenser coils, defrost heating elements, electronic circuits, and thermostat controls. Most HVAC items receive unlimited coverage, but thermostats are limited to $80. Ductwork is covered up to $150 per plan term.

We also found a clause in the sample contract stating that AFC Home Warranty will cover up to its prorated value if your system is over five years old. AFC Home Warranty prorated systems based on compatible HVAC units of the same age.

We’ve listed AFC Home Warranty’s coverage plans below:

• Silver Plan: This appliances-only plan covers nine appliances, including clothes washers, dryers, and dishwashers. Coverage ranges between some items, with limits from $150–$3,000 for covered appliances. 
• Gold Plan: The next plan covers 15 systems and appliances, including air conditioning, heating, and plumbing. You receive the same appliance limits and varied system coverage ranging between $150 to unlimited caps. 
• Platinum Plan: This next plan includes 20 appliances and home systems, adding built-in microwaves, plumbing stoppages, and faucets. All caps remain the same. 
• Diamond Plan: The most comprehensive plan includes the Platinum Plan protection, plus coverage for electronics and interior and exterior sewer lines. Electronics and sewer lines receive $5,000 caps, while all other caps remain the same. (Note: The Diamond Plan is unavailable in AK, CA, HI, MT, MS, NC, NJ, UT, VA, WA, WV, and WI.)

AFC Home Warranty lets you customize your service call fee pricing, offering a choice of a $75, $100, or $125 fee. The higher service call fee lowers your monthly premium and vice versa. You can choose monthly or annual premiums. AFC Home Warranty is one of the few companies to offer a multiyear deal, with an annual option for three years. One-year plans include a $1,000 discount, while three-year options include $250 off.

We’ve listed AFC Home Warranty’s pricing in the following table:

AFC Home Warranty offers 13 different add-ons that are charged at an annual rate. The lowest coverage begins at $25 per year and runs as high as $150. The company doesn’t offer additional HVAC protections with its add-ons.

Some of AFC Home Warranty’s add-ons include the following items:

• Double ovens
• Hot water dispensers
• Septic systems

Reviewing our sample contract showed that AFC Home Warranty allows you to select your preferred contractor. This is a rare benefit, as most providers prefer to use their own preapproved contractor network. We also learned that the company offers unique membership perks, including free credit monitoring, emergency alert services, identity monitoring, dental, vision, and pet insurance.