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Best Home Warranty in Tampa, FL

Don’t let faulty home systems or appliances take a toll on your finances. With a Tampa home warranty, you can protect your most important home items from costly repairs and replacements and avoid paying expensive out-of-pocket costs. Keep reading for the four best home warranty companies in Tampa.

Mid-century modern home painted white with yellow front door and palm trees. Adobe

Like many places in Florida, Tampa has high levels of humidity, and its subtropical climate can take a toll on homes. The excess water vapor in the air can make the weather feel warmer and the air thicker, and it can wreak havoc on your home’s systems and appliances. For example, the higher the humidity, the harder your fridge has to work to keep your food cold. Moisture in the air can also seep into appliances and electrical systems, leading to corrosion and rust.

Fortunately, a home warranty can protect you from the unexpected costs associated with repairing or replacing home systems and appliances that break down due to normal wear and tear. To help you find the best home warranty, the This Old House Review Team reviewed the top home warranty providers in Florida and compared them on coverage, plans, and pricing. Here are our recommendations for the four best home warranties in Tampa.

Top 4 Home Warranty Companies in Tampa

The best home warranty companies in Tampa, 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 (AHS) is one of the oldest home warranty companies in the industry and offers homeowners some of the best value for their money. Its most basic coverage, the ShieldSilver plan, protects more than a dozen major systems, including your air conditioning and plumbing. It also provides more comprehensive protection with its ShieldPlatinum plan, covering a total of 23 systems and appliances.

Unlike other home warranty companies, American Home Shield covers appliances that break down from humidity-induced corrosion, improper installation, or a lack of maintenance. Its policies also cover most wear-and-tear scenarios, and the company backs its technicians’ repairs with a 30-day workmanship guarantee. Compare all three American Home Shield home warranty plans below.

American Home Shield Plans

Plans ShieldSilver ShieldGold ShieldPlatinum
Plans 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 x

Homeowners can customize each of American Home Shield’s plans with coverage for a pool or spa, guest unit under 750 square feet, septic pump, and well pump. AHS also provides an optional Electronics Protection Plan that includes coverage for items like TVs, computers, tablets, and video game consoles.

American Home Shield Prices

The cost of a home warranty includes a monthly payment and a service call fee, which is the amount you’ll pay for each technician visit over the course of your policy. With American Home Shield, homeowners can choose from one of three service call fees: $75, $100, or $125. The lowest service call fee best serves those expecting regular repairs and replacements, but that benefit comes at a higher monthly premium.

Your policy’s total cost will depend on which service call fee you choose, as well as any add-on coverage your home requires. The rates below reflect plan pricing with the $75 service call fee option.

Plan Pricing Breakdown

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

Call 844-529-9298 or fill out this easy online form to receive a personalized quote.

2. Choice Home Warranty

Choice Home Warranty makes coverage simple for homeowners by offering two straightforward plans. While there are fewer ways to customize this coverage than with other home warranty companies, Choice’s policies provide affordable protection to homeowners.

Unlike other providers that offer separate appliance and home systems coverage, Choice Home Warranty provides two plans that cover a combination of systems and appliances. Its Basic Plan includes coverage for items such as your heating, plumbing, and dishwasher, while the Total Plan covers everything in the Basic Plan and adds coverage for your air conditioning, refrigerator, clothes washer, and clothes dryer.

No matter which plan you choose, Choice Home Warranty has no system or appliance age limits when it comes to coverage eligibility, making it a great option for those with older homes. Its technicians’ repairs also come with a reliable 30-day workmanship guarantee. Compare Choice Home Warranty’s two plan options below.

Choice Home Warranty Plans

Plan Total Plan Basic Plan
Plan 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 two plans, you can add on coverage for items such as a pool or spa, septic system, or second refrigerator.

Choice Home Warranty Prices

Choice Home Warranty charges a flat service call fee of $85, regardless of which policy you choose. Compare Choice’s plan rates below.

Plan Pricing Breakdown

Plans Monthly Premium Yearly Premium
Plans Monthly Premium Yearly Premium
Basic Plan $46.66 $560.00
Total Plan $55.00 $660.00

While these monthly premiums are standard, yours may vary depending on factors like the size of your home and any additional coverage you add to your plan. Call Choice Home Warranty at 929-400-6165 or fill out this simple online form for a free quote.

3. Cinch Home Services

With more than 40 prestigious customer service awards, the South Florida-based Cinch Home Services aims to simplify homeownership with affordable and comprehensive home warranty plans. The company stands out for its digital service request tools, a vetted network of service professionals, and a 180-day workmanship guarantee—a promise that exceeds guarantees offered by other industry players.

Like most home warranty companies, Cinch offers three coverage plans: one that covers appliances, one that covers systems, and one that protects a combination of both systems and appliances. Compare all three plans below.

Cinch Home Services Plans

Plan Appliances Built-in Systems Complete Home
Plan 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

In addition to these plans, Cinch offers optional coverage for swimming pools, spas, septic systems, and well pumps.

Cinch Home Services Prices

Whether you choose to cover your home’s appliances, systems, or both, you can opt for a $100, $125, or $150 service call fee with Cinch Home Services. All plans also include a $25 credit towards an air conditioner or water filter, a free water sensor to detect leaks, and discounts on new appliances.

The prices below reflect what monthly payments you can expect if you choose the $100 service call fee.

Plan Pricing Breakdown

Plans Monthly Premium Yearly Premium
Plans Monthly Premium Yearly Premium
Appliances $37.99 $455.88
Built-in Systems $44.99 $539.88
Complete Home $51.99 $623.88

To get a personalized quote, contact Cinch Home Services at 844-979-0899 or fill out this easy online form.

4. Liberty Home Guard

Whether your ceiling fans slow to a halt or your cooktop breaks just in time for dinner, problems with your home systems and appliances are never convenient. With a policy from Liberty Home Guard, homeowners can rely on the support of professional service technicians the moment it’s needed—24 hours a day, seven days a week, 365 days a year. The company includes this guarantee with each of its three warranty plans, which you can compare below.

Liberty Home Guard Plans

Plan Appliance Guard Systems Guard Total Home Guard
Plan Appliance Guard Systems Guard Total Home Guard
Clothes washer x x
Clothes dryer x x
Refrigerator with ice 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 x x
Heating x x
Ductwork x x
Plumbing x x
Electrical x x
Water heater x x

You can also add coverage for a wide range of home appliances and systems, including a sump pump, pool and spa, central vacuum, stand-alone freezer, limited roof leak repairs, well pump, and second refrigerator. Optional maintenance services, such as pest control, floor and carpet cleaning, re-key, and septic system pumping, can also be added to any plan.

Liberty Home Guard Prices

No matter what plan you choose, you can expect to pay a competitively priced $60 service call fee anytime you require technician support. Compare Liberty Home Guard’s plan rates below.

Plan Pricing Breakdown

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

Get in touch with a Liberty Home Guard representative at 866-452-9107 or fill out this simple online form to receive a personalized quote.

What Does a Home Warranty in Tampa Cover?

While each policy varies in terms of coverage, there are several standard systems and appliances that most home warranty plans in Tampa will cover. Compare the items commonly covered under a home warranty below.

Common Items Covered Under a Home Warranty

Systems Appliances
Systems Appliances
Heating Refrigerator
Air conditioning Stand-alone 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 Tampa, FL

Each of the home warranty companies listed in this review aims to serve a common goal: provide affordable, comprehensive coverage that can stand up to Florida’s demanding climate. When a covered system or appliance fails, customers have access to vetted technicians and workmanship guarantees on the services they provide.

Additionally, houses with home warranties sell 50% faster on average than those without one, according to the National Home Warranty Association.

How Much Does a Home Warranty Cost in Tampa?

Multiple factors determine the cost of a home warranty policy, from the extent of its coverage to the size of your home and how often you expect to file a claim. Generally speaking, a home warranty in Tampa will cost you between $25 and $75 per month and $60 to $150 in service call fees whenever you need a repair or replacement.

Our Conclusion

For the best home warranty in Tampa, consider American Home Shield. It has over 50 years of experience in the home warranty industry and offers affordable, comprehensive coverage. For a no-frills approach, Choice Home Warranty stands out for its plans that cover both systems and appliances, with optional upgrades available for more extensive protection. If reliability is your top priority, Cinch Home Services shines through with its 180-day workmanship guarantee. For around-the-clock customer service and a responsive team, consider Liberty Home Guard.

To help you make your final decision, get a free quote from multiple home warranty companies to compare pricing in your area.

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 provides coverage for your home’s structure and belongings when they receive damage due to unexpected events, such as fallen trees, fires, flooding, and theft. While no one expects their dishwasher to break or roof to leak, this type of damage from everyday wear and tear is typical for homeowners—and those are the gaps in insurance coverage that a home warranty fills.

Will a home warranty cover pre-existing conditions?

A pre-existing condition refers to any issue with your systems or appliances that’s present before your policy begins. While many companies offer coverage on items regardless of their age, most policies will require that appliances and systems are in good working order to qualify for home warranty protection.

When does my home warranty coverage start?

Home warranty coverage usually begins after a 30-day waiting period, but some providers like The Home Service Club have a shorter waiting period of 15 days. Read your sample contract to determine when your policy coverage starts.

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