Jump To: Compare Top Companies | American Home Shield | Choice Home Warranty | Select Home Warranty | Liberty Home Guard | Complete Care Home Warranty | First American Home Warranty | Cinch Home Services | Our Conclusion | FAQs | Methodology
The Best Home Warranty Companies in 2022
- American Home Shield
- Choice Home Warranty
- Cinch Home Services
- 2-10 Home Buyers Warranty
- The Home Service Club
Pool owners are well aware that their dream of a backyard oasis can quickly become a never-ending maintenance nightmare without the right degree of preparedness. According to our research, replacing a pool pump can cost as much as $650 and that’s not including filters, damaged plumbing, and other maintenance or repair costs. With a home warranty, you can enjoy your swimming pool with peace of mind and without worrying about the next big expense.
Home warranties seldom include coverage for pools, but it is available as an add-on option with many providers. Like other home protection plans, pool warranties safeguard your wallet from financial burden by covering pool maintenance costs associated with everyday wear and tear.
The This Old House Reviews Team has carefully reviewed the best home warranties in the U.S., analyzed their policies, and determined that these five providers offer the most comprehensive coverage for your home’s pool and spa equipment.
American Home Shield
American Home Shield (AHS) covers pools and spas as an add-on option for only $18 per month. This home warranty provider earns its best overall distinction for its longevity in the industry, higher-than-average coverage caps, flexible service call fee model, and comprehensive policies.
- Pool and spa coverage for less than $20 a month
- Flexible service call fee model allows customers to adjust their monthly fees to fit their budget
- Covers up to $3,000 to access, diagnose, repair, or replace pool and spa equipment
Learn More: American Home Shield Review
Plans and Pricing
AHS offers three plan options, all of which can cover your pool or spa. ShieldSilver covers built-in systems such as your HVAC and doorbells. ShieldGold builds on that coverage by covering 10 essential home appliances, such as your refrigerator and laundry machines. ShieldPlatinum covers all of the items in the ShieldGold plan plus roof-leak repairs up to $1,500.
Here are more details about American Home Shield’s plans and additional coverage:
- ShieldSilver ($24.27–$39.27 per month): Covers air conditioners, heating units, ductwork, built-in exhaust, vent, and attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters
- ShieldGold ($34.27–$49.27 per month): Covers all the items in the ShieldSilver plan plus refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, clothes washers, and clothes dryers
- ShieldPlatinum ($54.27–$69.27 per month): Covers all the items in the ShieldGold plan plus one discounted heat or AC tune-up, AC refrigerant, roof-leak repairs, and coverage for code violations, permits, and modifications
- Optional Add-Ons: Electronics Protection Plan, pool or spa, guest unit, septic pump, well pump, re-key services, discounted heat or AC tune-up, air filter discount program, limited roof-leak repair
- Service Fee: $75–$125
To request a free quote from American Home Shield, call 844-529-9298 or use this simple online tool.
Choice Home Warranty
Choice Home Warranty stands out for its affordable coverage of your home’s essential built-in home systems and appliances. Its pricing is straightforward with a standard $85 service call fee and you can purchase pool coverage as a monthly add-on for $15 a month or $180 for the year.
Like many other major home warranty companies have in the past, Choice Home Warranty is facing a class-action lawsuit in Arizona. Because these types of lawsuits are fairly common in the home warranty industry, we believe the potential red flags are outweighed by its positive reviews on customer review websites and its commitment to customer service by assigning a small team of representatives to consistently monitor accounts and promptly address concerns.
- Pool and spa coverage is $15 a month
- Covers more pool components than AHS, but only covers up to $500
- Basic Plan offers combination coverage for built-in systems and appliances
Learn More: Choice Home Warranty Review
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. Neither of those plans includes pool coverage as part of the base package, but it can be purchased as an add-on. The Basic Plan doesn’t cover your laundry machines, refrigerator, or air conditioner, however, so if those items are important to you, you may want to consider the Total Plan.
Here are more details about Choice Home Warranty’s plans and additional coverage:
- Basic Plan ($46.83 per month): Covers heating systems, water heaters, electrical systems, plumbing system, plumbing stoppage, oven, range, stove, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener, and whirlpool bathtubs
- Total Plan ($54.75 per month): Covers all the items in the Basic Plan plus clothes washers, clothes dryers, refrigerators, and air conditioners
- Optional Add-Ons: Pool/spa, limited roof-leak, additional spa, stand-alone freezer, central vacuum, second refrigerator, well pump, septic system, sump pump, and septic tank pumping
- Service Fee: $85
To request a personalized quote from Choice Home Warranty, fill out this quick form or call 929-400-6165.
Cinch Home Services
Cinch Home Services is another veteran of the home warranty industry with more than 43 years of experience. Cinch stands out for its comprehensive policies, which include coverage for items damaged by rust or corrosion, a flexible service call fee model, and affordable coverage for pool and spa components.
- All pool add-ons are $13.33 per month, according to our sample quote
- 180-day workmanship warranty on all pool repairs
- All plans include a free water sensor and a $25 credit for an air conditioner or water filter
Learn More: Cinch Home Services Review
Plans and Pricing
Cinch offers three standard plan options, and pool and spa coverage is available as an add-on option for all of them. The Appliance Plan covers 12 appliances, such as oven ranges and built-in food centers. The Built-in Systems Plan covers 16 built-in systems including your HVAC unit and ductwork. The Complete Plan combines the coverage of the two basic plans into one comprehensive package.
Here are more details about Cinch Home Services’ plans and additional coverage:
- Appliances Plan ($27.99–$37.99 per month): Covers clothes dryer, clothes washer, cooktops, dishwashers, built-in food centers, freestanding ice makers, built-in microwaves, ranges, range exhaust hoods, refrigerators, built-in trash compactors, wall ovens, air conditioner or water filter credit, and water sensor
- Built-in Systems Plan ($32.99–$44.99 per month): Covers air conditioning including ductwork, attic fans, ceiling fans, central vacuums, doorbells, electrical systems, garage door openers, garbage disposals, heating system including ductwork, instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, whirlpool/jetted tub, air conditioner or water filter credit, and water sensor
- Complete Home Plan ($39.99–$51.99 per month): Covers all the items in the two earlier plans
- Optional Add-Ons: Pool (heater included), spa (heater included), pool with spa (heater included), septic tank/pumping, well pump, and Premier Upgrade Package
- Service Fee: $100–$150
To request a quick quote from Cinch Home Services, fill out this simple form or call 844-979-0899.
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty allows customers to elect home warranty coverage that is specifically tailored to their needs. Compared to other providers on this list, 2-10 Home Buyers Warranty’s add-ons are more specific with coverage for freshwater pools, saltwater pools, and additional pools depending on your needs and pool equipment.
- Offers multiple types of pool coverage, such as freshwater pools and saltwater pools
- Can cover freshwater pools for $18 a month, saltwater pools for $30 a month, and additional pools for $15 a month
- Providers coverage tailored for home buyers, sellers, home builders, and real estate agents
Learn More: 2-10 Home Buyers Warranty Review
Plans and Pricing
All of 2-10’s plans can have pool coverage added to them. The Simply Kitchen plan is the most affordable option as it only covers six essential kitchen appliances. Complete Home expands that coverage to include built-in systems, such as heating, air conditioning, plumbing, and electrical. Pinnacle Home expands that coverage even further by adding the Supreme Package, which covers additional components and items such as crane costs.
Here are more details about 2-10 Home Buyers Warranty’s plans and additional coverage:
- Simply Kitchen ($22 per month): Covers built-in microwaves, dishwashers, ranges, ovens, cooktop, and refrigerator with ice maker/crusher and beverage dispenser
- Complete Home ($51 per month): Covers all the appliances in the earlier plan, plus heating, air conditioning, plumbing, and electrical systems
- Pinnacle Home ($60 per month): Covers all the items in the Complete Home plan plus the Supreme package which covers appliance handles, hinges, clocks, racks, shelves, baskets, rollers, knobs, dials, latch assemblies, springs, internal lining, turntable platforms, rotisseries, glass/ceramic cooktops, self-cleaning mechanisms when they affect the primary function of the appliance, crane costs, filters, and more.
- Optional Add-Ons: Supreme Package, Luxury Package, HVAC Surplus, additional refrigeration, service fee options, pre-season HVAC tune-up, septic system, well pump, washer and dryer, plumbing and electrical, garage door openers, extended pipe leak, pool/spa equipment, roof-leak, and water softener
- Service Fee: $65–$100
To request a quote from 2-10 Home Buyers Warranty, fill out this quick form or call 855-498-4719.
The Home Service Club
The Home Service Club is one of the few providers in the industry that will accept claims from new customers in as little as 10 days compared to the typical 30-day waiting period. It also stands out for the inclusion of pest control, telephone wiring, and other uncommonly covered items in its Comprehensive Plan.
- Wide contractor network of more than 10,000 licensed and insured technicians
- 90-day workmanship guarantee on parts and labor, which is three times the length of the standard 30-day workmanship guarantee
- Responds within 12 business hours of receiving your claim
Learn More: The Home Service Club Review
Plans and Pricing
The Home Service Club offers two plan options, both of which cover a combination of appliances and systems. The Standard Plan covers items such as your air conditioning, refrigerator, and water heater. The Comprehensive Plan covers all the items in the Standard Plan plus ductwork, gas leaks, plumbing stoppages, and other instances of wear and tear.
Here are more details about The Home Service Club’s plans and additional coverage:
- Standard Plan ($51.25 per month): Covers air conditioning, ceiling fans, central vacuums, dishwashers, clothes washer, clothes dryer, electrical system, food center, garage door opener, trash compactor, heating system, refrigerator ice maker, microwave, oven, stove, cooktop, refrigerator, and water heater
- Comprehensive Plan ($62.50 per month): Covers all the items in the Standard Plan, plus alarm wiring, doorbells, ductwork, gas leaks, hot water pump, pest control, plumbing stoppages, plumbing systems, smoke detector, sump pump, telephone wiring, dispenser hot water, water leak, and whirlpool tub
- Optional Add-Ons: Pool/spa equipment, roof coverage, additional refrigerator, jetted bathtubs, spa and spa heater, sewage ejector pump, refrigerator dual compressor, freestanding freezers, water softener, well pump, additional dishwasher, additional water heater, additional oven, range, or cooktop, additional microwave, plumbing sprinkler, service line, and additional freezer
- Service Fee: $95
To request a quote from The Home Service Club, call 800-842-9334 or fill out this simple form.
Whether you recently purchased a home with a pool, have owned a pool for years, or have taken the leap to install a new pool on your property, purchasing a home warranty can help you cut back on the costs of maintenance, repairs, and replacements.
Although we recommend that you request a quote from as many providers as possible, our research suggests that American Home Shield offers one of the most generous coverage limits for pools at $3,000. As far as affordability is concerned, Cinch Home Services offers one of the lowest cost add-on packages on this list, while 2-10 Home Buyers Warranty offers packages tailored for freshwater and saltwater pools.
Compare the Best Home Warranty Companies of 2021
|Provider||Visit Site||Monthly Cost*||Service Call Fee||States Covered|
|Provider||Visit Site||Monthly Cost*||Service Call Fee||States Covered|
|American Home Shield||ahs.com||$24.27–$69.27||$75–$125||49|
|Choice Home Warranty||choicehomewarranty.com||$46.83–$54.75||$85||48|
|Cinch Home Services||cinchhomeservices.com||$27.99–$51.99||$100–$150||49|
|2-10 Home Buyers Warranty||2-10.com||$22–$60||$65–$100||42|
|The Home Service Club||hscwarranty.com||$51.25–$62.50||$95||49|
*All cost data used in this article is based on sample quotes for a single-family home smaller than 5,000 square feet located in Phoenix.
Other Home Warranty Resources
- First American Home Warranty vs. American Home Shield
- Select Home Warranty vs. Choice Home Warranty
- Choice Home Warranty vs. American Home Shield
- Choice Home Warranty vs. First American Home Warranty
- Liberty Home Guard vs. American Home Shield
- Select Home Warranty vs. American Home Shield
How to Find the Best Home Warranty
When shopping for a home warranty, it’s important to take the time to do your due diligence, understand the industry language, read sample agreements, and request a quote from more than one provider before making a final decision. Below you’ll find some helpful tips to keep in mind when shopping for a home warranty.
- Find the industry leaders. Reading articles like ours will give you a robust understanding of the home warranty industry and how the top-rated providers compare to one another. It’ll also bring you up to speed on the types of plans available and what they cover.
- Define your priorities. Every homeowner will have different needs so it’s important to consider what coverage items are most important to you. If you live in a home with older appliances, that may be your primary focus over coverage for built-in systems.
- Set your budget. After reviewing what’s available in your area and requesting quotes from a variety of providers, you’ll have an idea of how far your money can go. From here, you can decide how much you are willing to pay for your policy. This will help you narrow down the best plan for you within that budget.
- Read sample contracts. Most providers make it easy to find their terms and conditions on the website, so it’s important to thoroughly read each contract and make sure you are informed about any possible exclusions and limitations of the policy.
What Is a Home Warranty?
A home warranty is a type of home protection plan that homeowners pay for monthly or annually. When a covered item, such as an appliance, built-in system, or in-ground pool malfunctions, policyholders can file a claim with their provider by paying a previously agreed-upon service call fee. The provider will then send a licensed and insured technician to assess, diagnose, repair, or replace the malfunctioning components or unit.
Compared to homeowners insurance, which covers your home’s structural components and personal property in events of peril, such as fire or theft, home warranties protect your home’s internal components in events of everyday wear and tear.
How Does a Home Warranty Work?
Though it’s not an official insurance policy, a home warranty functions similarly to insurance. To keep the policy active, you will have to be current on all monthly fees and service fees. When you file a claim, you will be responsible for a previously agreed-upon service charge, which is typically paid to the contractor or technician that diagnoses your malfunctioning item.
If the claim is approved and determined to be a covered item, the home warranty provider will pay to repair or replace the malfunctioning item up to the coverage limits outlined in the service agreement.
What Does a Home Warranty Cover?
Home warranties cover your home’s internal components, such as built-in systems and appliances. Built-in systems typically include items such as your HVAC unit, ductwork, electrical, and plumbing. Commonly covered appliances include dishwashers, ranges, ovens, stoves, laundry machines, refrigerators, and built-in microwave ovens.
How Much Does a Home Warranty Cost?
According to our research of 39 providers, the typical service call fee in the home warranty industry is about $77 a month. The monthly fees across these providers came out to an average of roughly $39 on the lower end up to $63 on the higher end.
These prices reflect base plan options without add-on options factored in. You may be eligible for additional discounts if you cover more than one property, pay annually, or select a multi-year plan term.
Are Home Warranties Worth It?
Home warranties are worth it for any proactive homeowner that wants to save money on future repairs and replacements for their home’s essential items. One of the most helpful ways of framing the usefulness of a home warranty policy is considering the most expensive and most likely repair that may arise during the plan term, typically about a year.
If this repair seems out of your budget, a home protection plan can help you minimize the amount of financial burden you’re under in the long run when the repair or replacement becomes necessary.
Frequently Asked Questions About Home Warranties
Does a home warranty cover pool leaks?
Home warranty policies don’t typically include coverage for pools. To enroll in a home warranty with pool coverage, you’ll have to confirm that the provider offers pool and spa protection as an add-on option.
While every provider will offer a different degree of coverage, normal damage to your vinyl pool liner, fill valves, and other items that may be susceptible to leaks are typically covered. It’s important to note that home warranties typically only cover in-ground pools.
What is the best home warranty?
Choosing the best home warranty plan for your needs will depend on your budget, desired coverage, and the plans available in your area. With that said, American Home Shield tops our list as the best overall provider due to its high coverage caps, excellent coverage caps on pool repairs, and its longevity in the industry.
Do I need a home warranty?
While home warranties are not mandatory, they can be a prudent financial investment for homeowners that want to prepare for future home maintenance expenses, such as the cost of repairing pool components that are no longer covered by a manufacturer’s warranty or pool builder’s guarantee.
Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies
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. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, 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.
To share feedback or ask a question about this article, send a note to our Reviews team at email@example.com.