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Best Home Warranty in Jacksonville, FL

Jacksonville homeowners have plenty of choices when it comes to affordable and comprehensive home warranty options. Keep reading for the best home warranty companies in Jacksonville that will protect your most important home systems and appliances.

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While homeowners insurance shields you from unexpected events, such as fires or floods, it doesn’t protect your major systems and appliances when they break down due to normal wear and tear. A home warranty is a service contract that protects items such as your refrigerator and air conditioning as they age, covering the costs of repairs and replacements. Having this policy in place helps ensure you’re not on the hook if your water heater suddenly breaks or your electrical system is on the fritz.

To help you find the best home warranty for your Jacksonville home, the This Old House Reviews Team researched the best home warranty companies in Florida to help you determine which coverage option is right for you. Keep reading for our top recommendations.

Top 4 Home Warranty Companies in Jacksonville

The best home warranty companies in Jacksonville, FL, include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Basic Plan
  3. Cinch Home Services: Best Additional Perks
  4. Liberty Home Guard: Most Responsive

1. American Home Shield

American Home Shield is a leading home warranty company that serves most areas in the United States, including Jacksonville. When the mid-summer Florida heat starts taking a toll on your appliances, the trusted provider’s access to more than 15,000 licensed technicians nationwide ensures your home will keep its cool without delay.

The company’s policies also cover a variety of home appliances and systems, have no age limits for covered items or limits to the number of repairs during a contract term, and come with a 30-day workmanship guarantee. Compare American Home Shield’s three plans below.

American Home Shield Plans

Coverage ShieldSilver™ ShieldGold™ ShieldPlatinum™
Coverage ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioner x x x
Heating Unit x x x
Ductwork x x x
Built-in Exhaust, Vent, and Attic Fans x x x
Main Breaker and Fuse Panel Box x x x
Doorbell and Chimes x x x
Interior Electrical Lines x x x
Ceiling Fans x x x
Garage Door Openers x x x
Interior Plumbing Lines x x x
Toilets x x x
Faucets and Valves x x x
Whirlpool Tub Motor and Components x x x
Water Heater x x x
Refrigerator x x
Range/Cooktop x x
Oven x x
Built-in-Microwave x x
Garbage Disposal x x
Instant Hot/Cold Water Dispenser x x
Laundry Appliances x x
Roof Leak Repairs x

With all of American Home Shield’s policies, you can choose to include additional coverage for your electronics, pool and spa, guest unit, septic pump, and well pump.

American Home Shield Prices

The cost of any home warranty comes down to two considerations: the monthly premium you’ll pay through your contract term and the per-visit service call fee.

With an American Home Shield policy, Jacksonville homeowners can select from three service fee options: $75, $100, or $125. Depending on which service fee you choose, your monthly premium adjusts accordingly. For example, here are the prices for American Home Shield’s three plans if you choose the $75 service fee.

Plan Pricing Breakdown

Plan Monthly Premium Yearly Premium
Plan Monthly Premium Yearly Premium
ShieldSilver $44.99 $539.88
ShieldGold $54.99 $659.88
ShieldPlatinum $74.99 $899.88

Your policy’s final cost will depend on the service fee option you choose, as well as factors like the size of your home and any add-on coverage you need. For a personal quote, call 844-529-9298 or fill out this easy online form.

2. Choice Home Warranty

Choice Home Warranty offers two coverage plans, both of which are affordable combo plans that cover essential systems and appliances, such as your plumbing and dishwasher. Policyholders can also expect a 30-day repair guarantee, flexibility with optional coverage add-ons, and lower-than-average service fees. Compare Choice Home Warranty’s plans below.

Choice Home Warranty Plans

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

In addition to these plans, you can add on coverage for the following items: pool or spa, central vacuum, well pump, stand-alone freezer, sump pump, septic system, septic tank pumping, and limited roof leak protection.

Choice Home Warranty Prices

Choice Home Warranty offers some of the most competitively priced policies on the market, thanks to its low service fees. While the average national cost of a service fee ranges from $65 to $125, Choice Home Warranty’s service fees max out at $85, regardless of your plan. Below are some sample quotes from Choice Home Warranty.

Plan Pricing Breakdown

Plan Monthly Premium Yearly Premium
Plan Monthly Premium Yearly Premium
Basic Plan $45.00 $510.00
Total Plan $53.33 $610.00

To get the most accurate quote for your Jacksonville home, contact Choice Home Warranty at 929-400-6165 or fill out this simple online form.

3. Cinch Home Services

Cinch Home Services ensures technician support within 24 hours guaranteed, and policyholders often get service within as little as two hours after their claim is submitted. Cinch is also known for its 180-day workmanship guarantee, which is six times longer than the industry average of 30 days, offers discounts on new appliances, and provides protection for unknown pre-existing conditions.

Compare Cinch’s three coverage plans below.

Cinch Home Services Plans

Coverage Appliances Built-in Systems Complete Home
Coverage Appliances Built-in Systems Complete Home
Clothes Dryer x x
Clothes Washer x x
Cooktop x x
Dishwasher x x
Food Center (Built-in) x x
Freestanding Ice Maker x x
Microwave (Built-in) x x
Range x x
Range Exhaust Hood x x
Refrigerator x x
Trash Compactor (Built-in) x x
Wall Oven x x
Air Conditioning Including Ductwork x x
Attic Fans x x
Ceiling Fans x x
Central Vacuum x x
Doorbells x x
Electrical System x x
Garage Door Openers x x
Garbage Disposal x x
Heating System Including Ductwork x x
Instant Hot/Cold Water Dispenser x x
Plumbing System x x
Smoke Detectors x x
Sump Pump x x
Toilets x x
Water Heater x x
Whirlpool/Jetted Tub (Built-in) x x
Homeowners Insurance Deductible Reimbursement - $500 x
Air Conditioner or Water Filter Credit x x x
Water Sensor x x x

Homeowners can also choose to add coverage for swimming pools, spas, septic systems, and well pumps.

Cinch Home Services Prices

Cinch Home Services charges higher-than-average service fees at $100, $125, and $150. Jacksonville homeowners paying $150 per technician visit can expect the following home warranty costs.

Plan Pricing Breakdown

Plan Monthly Premium Yearly Premium
Plan Monthly Premium Yearly Premium
Appliances $27.99 $335.88
Built-in Systems $32.99 $395.88
Complete Home $39.99 $479.88

Call Cinch Home Services at 844-979-0899 for a free quote or use this simple online form to get started.

4. Liberty Home Guard

Liberty Home Guard is known for its quick service and often sends a technician out to perform a repair within 24–48 hours of receiving a claim. It also has a user-friendly online portal that allows customers to track the progress of a service request and submit reviews.

Other benefits of Liberty Home Guard include no contract requirement, optional coverage for 30 additional items on any plans, and a 60-day workmanship guarantee.

Liberty Home Guard Plans

Coverage Appliance Guard Systems Guard Total Home Guard
Coverage Appliance Guard Systems Guard Total Home Guard
Clothes Washer x x
Clothes Dryer x x
Refrigerator with Ice and Dispenser x x
Built-In Microwave Oven x x
Dishwasher x x
Garbage Disposal x x
Range/Oven/Cooktop x x
Ceiling and Exhaust Fans x x
Garage Door Openers x x
Air Conditioning System x x
Heating System x x
Ductwork x x
Plumbing System x x
Electrical System x x
Water Heater x x

Liberty Home Guard also offers optional coverage and maintenance services for the following items:

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

Note: This is not a full list of add-ons. For a complete list of optional coverage, click here.

Liberty Home Guard Prices

For each of its home warranty policies, Liberty Home Guard requires Florida homeowners to pay a set $60 service call fee for each technician visit—a highly competitive rate compared to other home warranty providers. In other states, Liberty Home Guard charges an $80 service call fee for one-year plans and a $70 service call fee for multi-year plans.

While this low fee impacts the company’s premium prices, its monthly and annual costs are still within the range of the national average of $40–$60 per month.

Plan Pricing Breakdown

Plan Monthly Premium Yearly Premium
Plan Monthly Premium Yearly Premium
Appliance Guard $44.99 $539.88
Systems Guard $49.99 $599.88
Total Home Guard $54.99 $659.88

Call Liberty Home Guard at 866-452-9107 or fill out this simple online form to receive a free, personalized quote.

What Does a Home Warranty in Jacksonville Cover?

In general, home warranties cover important systems and appliances, such as your air conditioning, plumbing, refrigerator, dishwasher, clothes washer, and clothes dryer. Below is a list of common items covered under a home warranty:

Home Warranty Coverage Breakdown

Systems Appliances
Systems Appliances
Heating Refrigerator
Air Conditioning Standalone Freezer
Electrical Clothes Washer/Dryer
Plumbing Stove/Range/Oven/Cooktop
Ductwork Dishwasher
Water Heater Built-in Microwave
Garbage Disposal

Benefits of a Home Warranty in Jacksonville, FL

Appliances and home systems aren’t built to last forever, and a home warranty offers financial protection against unforeseen costs when problems do arise. With access to pre-screened professional technicians, quick service times, and workmanship guarantees, home warranties make it easier to keep your systems and appliances running smoothly.

How Much Does a Home Warranty Cost in Jacksonville?

Given the many add-on options, plan tiers, and service fees available among home warranty companies in Jacksonville, the cost of a home warranty can vary. Home warranty providers may also adjust quotes based on factors like your location and the size of your home.

In general, homeowners in Jacksonville can expect to pay between $25 and $75 per month in premiums—or $300 to $900 per year—and between $65 and $125 for service fees (paid at the time of service).

Our Conclusion

For the best home warranty in Jacksonville, look no further than American Home Shield for its comprehensive coverage options and flexible service call fees. American Home Shield’s breadth of scope comes at a premium price, making the low plan prices from Choice Home Warranty ideal for more budget-conscious homeowners.

That said, industry newcomer Cinch Home Services is making waves with its quick technician turnaround times and coverage of aesthetic parts, such as knobs and handles. If you aren’t ready to make a long-term commitment—and still expect responsive service—Liberty Home Guard has you covered with its no-contract policy options.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

How is a home warranty different from homeowners insurance?

Homeowners insurance protects your belongings and home’s structure from events that you have no control over, such as fallen trees, theft, or weather-related damage. A home warranty protects your systems and appliances when they break down unexpectedly, ensuring you’re financially protected against run-of-the-mill wear and tear that occurs over time.

While a home warranty primarily covers the costs to repair or replace parts of home systems and appliances, your provider may also include maintenance services to keep your home in its best condition between repairs.

Will a home warranty cover pre-existing conditions?

Most home warranty providers don’t cover pre-existing conditions. Ask a service representative or review your contract to understand what—if any—pre-existing damage is covered by your plan.

When does my home warranty coverage start?

In general, your home warranty coverage will take effect 30 days after signing your provider’s contract. There are some exceptions to this industry standard, so ask your provider about your home warranty’s activation date and how long the waiting period is.

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