American Home Shield is our pick for the best home warranty company in Florida, with rare coverage for undetectable preexisting conditions. Florida’s heat, humidity, and heavy rain can put added strain on important parts of your home, including your air conditioning and roof. A home warranty can help reduce out-of-pocket costs when covered systems and appliances break down from normal wear and tear.
Our team compared the best home warranty providers based on coverage, costs, and specific benefits for Florida homeowners. We also surveyed 2,000 homeowners nationwide in 2026 and analyzed responses from Florida residents to understand their coverage priorities and experiences. Read on to compare our top picks and find the right protection for your home.
Key Takeaways
- American Home Shield is our top choice for Florida homeowners, which is supported by our 2026 home warranty survey. The company was the most commonly selected home warranty provider among Florida respondents, chosen by 41% of homeowners in the state.
- A Florida home warranty costs $39–$77 per month or $454–$906 per year.
- Air conditioning was the top coverage priority among Florida homeowners in our survey, with 49% naming it the most important home system to protect.
Top Home Warranty Providers in Florida
After evaluating leading home warranty providers that offer service in Florida, we chose the following companies as the best options for homeowners:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
How Do the Best Florida Home Warranty Companies Compare?
When looking for the best home warranty providers in Florida, we focused on the features that matter most to homeowners in the state. We considered coverage options, national average plan costs, Better Business Bureau (BBB) ratings, and service call fees, which you pay for each repair visit. The table below compares our top picks based on these key factors.
| Provider | Plan Name | Our Score | Monthly Cost | Service Fee |
|---|---|---|---|---|
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Total Home Guard
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$68
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$65–$125
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Appliance Guard
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$57
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$65–$125
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Systems Guard
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$62
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$65–$125
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ShieldGold
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$28
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$100–$125
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ShieldPlatinum
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$85
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$100–$125
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Our Reviews of Top Providers in Florida
When reviewing home warranty companies in Florida, we looked at features that can benefit homeowners given the state’s climate. Coverage for air conditioning and electrical systems is especially important in the state’s hot, humid weather, where long heat waves and frequent storms can wear down major systems over time. We also considered providers that include roof-leak coverage, since heavy rain is common across the state, especially during hurricane season.
American Home Shield
Coverage Overview
- Bundles free roof-leak protection with its highest-tier plan, ShieldPlatinum
- Covers HVAC systems with a $5,000 cap, offering more coverage for expensive repairs
- Includes coverage for preexisting conditions and damaged items, which is a rare benefit in the industry
- Offers video chat with a pro through the company’s dedicated mobile app
Keep in Mind
- Charges slightly higher rates for its comprehensive plans than some providers we’ve reviewed
- Offers the smallest add-on catalog in this review
Why We Chose American Home Shield
American Home Shield stands out for Florida homeowners who want strong HVAC protection. The company offers a $5,000 annual limit for HVAC system coverage, double the typical $2,500 cap offered by many competitors. This higher limit can reduce your out-of-pocket costs if your air conditioner needs a major repair. AHS also covers undetectable preexisting conditions and offers discounts on HVAC tune-ups and filter replacements.
Plan Details and Cost
Below is an overview of American Home Shield’s plan options in Florida:
- ShieldSilver ($18 per month): This system-only plan includes 14 items, including plumbing, electrical, and water heaters.
- ShieldGold ($28 per month): A mid-tier plan that includes protection for 14 systems and nine home appliances, such as refrigerators, ovens, clothes washers and dryers.
- ShieldPlatinum ($85 per month): The company’s top plan tier includes ShieldGold coverage plus added perks, including free roof-leak coverage and a free HVAC tune-up.
We reviewed an American Home Shield sample contract and found that appliances come with a $2,000 coverage limit under the ShieldSilver and ShieldGold plans. This limit increases to $4,000 with ShieldPlatinum, while system coverage limits remain the same across all plans. You can select either a $100 or $125 service call fee with your plan. Choosing the lower fee will raise your monthly cost, while the higher fee lowers it.
American Home Shield offers six add-ons, fewer than the industry average range of 8–12 options. Add-on pricing and coverage vary by item, with monthly costs ranging from $3–$24 and limits ranging from $500–$3,000. The company does offer $1,000 in roof leak coverage, which is higher than many other providers we’ve reviewed.
Below is a sample of available add-ons with American Home Shield:
- Guest unit
- Pool and built-in spa equipment
- Roof-leak repair
- Septic pump
- Well pump
What American Home Shield Customers Say
Of the Florida homeowners who chose American Home Shield in our 2026 survey, 78% were satisfied or very satisfied with their plan, and 83% planned to renew coverage. Claims experiences were also largely positive, with most homeowners feeling happy with their most recent claim outcome. Homeowners also highlighted feeling peace of mind and satisfaction with their protection from unexpected repair costs, including repairs for aging appliances and air conditioning systems.
Choice Home Warranty
Coverage Overview
- Covers repairs with a 90-day guarantee on parts and 60 days on labor
- Includes a $3,000 coverage cap for systems and appliances
- Offers one of the lowest cost comprehensive plans in this review
Keep in Mind
- Doesn’t cover some key items under its lowest tier plan
- Only offers one service call fee option, which limits pricing customization
Why We Chose Choice Home Warranty
If you’re a Florida homeowner looking for an affordable home warranty plan that still offers solid coverage, Choice Home Warranty is a good option. Its plans cost less than $70 per month and include a $3,000 coverage cap for systems and appliances, which is competitive based on our review of Florida providers. Choice also offers a 90-day parts and 60-day labor guarantee, providing added protection if a covered repair fails. This can be especially useful for air conditioning systems that see heavy use in Florida’s climate.
However, Choice’s Basic Plan excludes refrigerators, laundry appliances, and air conditioning, so you’ll need to upgrade to the Total Plan for about $9 more per month to cover these items.
Plan Details and Cost
We’ve detailed Choice Home Warranty’s available plans in Florida below:
- Basic Plan ($59 per month): The plan includes eight major systems and six home appliances, such as dishwashers, heating systems, and ovens.
- Total Plan ($67 per month): The highest plan tier covers nine appliances and nine systems, including air conditioners, clothes washers and dryers, and refrigerators.
When we reviewed Choice Home Warranty’s sample contract, we saw the company excludes pre-existing conditions from coverage. While this is standard for most providers, it means Florida homeowners with items already showing signs of wear or damage won’t receive coverage for related repairs. Choice charges a flat $100 service call fee, and unlike some competitors, doesn’t let you adjust your rate to lower your overall monthly plan cost.
Choice offers 10 add-on options, which falls within the typical range for home warranty providers we’ve reviewed. Add-on prices range from $3–$15 per month, with coverage limits between $250 and $500. The company includes $500 in roof-leak protection, which falls below American Home Shield’s coverage.
We’ve highlighted some add-on options offered by Choice Home Warranty below:
- Central vacuum
- Limited roof leak
- Pool coverage
- Second refrigerator
- Septic system
What Choice Home Warranty Customers Say
In our 2026 home warranty survey, Florida homeowners with Choice Home Warranty generally had positive things to say about the value of their coverage. However, some homeowners expressed frustration with denied claims, lower-than-expected payouts, and repairs that didn’t fully resolve the original problem. Overall, experiences varied depending on the claim and how it was handled.
First American Home Warranty
Coverage Overview
- Doesn’t set coverage limits for HVAC and plumbing systems
- Protects items damaged by improper installation and modifications
- Provides up to $7,000 in appliance coverage under its highest plan
Keep in Mind
- Doesn’t offer appliance-only or system-only plan options
- Excludes coverage for some essential systems and appliances from its lowest plan tier
Why We Chose First American Home Warranty
If you are Floridian with high-end appliances, you should First American Home Warranty for your home protection. The company offers up to $7,000 in appliance coverage, the highest amount in our review, and unlimited coverage for most home systems, including heating, cooling, and plumbing. These higher limits can benefit homeowners with expensive appliances or HVAC systems that could lead to costly repairs. The First American Advantage upgrade also covers damage from improper installations and modifications, which home warranty companies typically exclude.
However, First American doesn’t offer separate appliance-only or systems-only plans. Its Starter Plan also excludes air conditioning, water heaters, and laundry appliances. You can add AC protection separately, but you’ll need a higher-tier plan to get coverage for water heaters and laundry appliances.
Plan Details and Cost
Here are First American Home Warranty’s plans:
- Starter Plan ($66 per month): The lowest comprehensive plan that includes eight appliances and four systems, such as ductwork, kitchen refrigerators, and ranges.
- Essential Plan ($88 per month): A mid-level plan that covers 11 appliances and six systems, including heating systems, laundry appliances, and water heaters.
- Premium Plan ($118 per month): This comprehensive plan includes 11 appliances and eight systems, adding faucets, instant hot water dispensers, and luxury appliances.
The First American Home Warranty sample contract states that water heaters are the only systems with a coverage cap under the Essential Plan. The Premium Plan removes that cap and offers unlimited coverage. The highest-tier plan also includes free roof-leak protection. You can adjust your service call fee to $100 or $125, with the higher fee lowering your overall monthly plan cost.
The company offers 12 add-on options, priced between $2 and $21 per month, slightly lower than other providers in this review. Coverage limits for these add-ons range from $500–$2,500. You can add the First American Advantage at no cost, but only with the Essential and Premium plans. Here’s a list of some of the company’s add-ons:
- Additional refrigeration (for up to three appliances)
- HVAC tune-up
- Limited roof leak
- Pool and spa equipment (for up to two pools or spas)
- Water softener
What First American Home Warranty Customers Say
In our survey, Florida First American customers frequently pointed to protection from large, unexpected expenses as a reason they valued their warranty. Feedback on claims was more mixed, with some homeowners reporting smooth repair experiences while others mentioned claim denials or problems with repair quality and replacement payouts.
AFC Home Warranty
Coverage Overview
- Allows you to choose your own service technician, unlike most other companies
- Includes an unlimited workmanship guarantee on repairs
- Doesn’t set a coverage limit for certain systems, including your HVAC
Keep in Mind
- Issues reduced payouts for items five years and older
- Requires claims submission within 24 hours of noticing an issue
Why We Chose AFC Home Warranty
AFC Home Warranty offers more flexibility during the repair process by letting you choose your own technician, a perk many providers only offer when an in-network contractor isn’t available. This flexibility can benefit Florida homeowners who already have a trusted local technician for frequently used systems such as air conditioning. AFC Home Warranty also backs covered repairs with an unlimited workmanship guarantee for as long as your plan remains active, reducing the risk of paying another service fee if a covered repair fails.
However, AFC Home Warranty’s depreciation policy can reduce payouts for systems and appliances more than five years old, making it less appealing if your home has older equipment. You must also submit a claim within 24 hours of discovering an issue, which gives you less time to report problems than some other providers.
Plan Details and Cost
AFC Home Warranty offers the following plan options for Florida homeowners:
- Silver Plan (call for a quote): This plan provides appliance-only coverage for nine items, including clothes washer, dryers, and garage door openers.
- Gold Plan ($44 per month): A combination plan that covers nine appliances and six home systems, such as your HVAC, electrical, and plumbing.
- Platinum Plan ($51 per month): This plan expands coverage to 19 items, adding protection for faucets, built-in microwaves, and fans.
- Diamond Plan ($82 per month): The company’s highest plan tier includes Platinum Plan coverage plus electronics, exterior sewer lines, and exterior water lines.
We reviewed an AFC Home Warranty sample contract and found that some systems, like your plumbing, have lower coverage limits ranging from $150–$500. Appliance coverage varies, with caps between $150 and $3,000 depending on the item. Service call fees fall between $75 and $125. A lower service fee may save you money on individual repairs, while a higher fee can help reduce your overall monthly premium.
You can choose from eight add-ons typically offered by home warranty providers. However, AFC Home Warranty lists add-on prices annually rather than monthly. Costs range from $25–$150 annually, with coverage limits between $150 and $500. Although roof leak coverage is included with all plans at no extra cost, the company caps this benefit at $250 per year, the lowest limit among our Florida picks.
We’ve highlighted some add-on options available with AFC Home Warranty below:
- Electronics
- In-ground spa
- Roof-leak coverage
- Septic system
- Standalone freezer
What AFC Home Warranty Customers Say
In our survey, AFC Home Warranty customers in Florida often pointed to peace of mind and protection from large repair bills as reasons they valued their coverage. Some customers were less satisfied with unexpected out-of-pocket costs or payouts that fell short of what they expected.
What Happens When You File a Home Warranty Claim?
To better understand the home warranty claims experience, our team tested AFC Home Warranty and First American Home Warranty. We submitted real claims through each company’s online portal and documented the process from filing through repair. These experiences gave us firsthand insight into response times, contractor service, and out-of-pocket costs.
Testing AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a toilet that wouldn’t stop running. Submitting the claim through the company’s online portal took about five minutes, and our tester found the process easy to navigate. AFC Home Warranty found a contractor even though our tester lives in a rural area, and an appointment was available within two to three days. The first repair didn’t resolve the problem, but AFC Home Warranty arranged a second visit with another technician who successfully fixed it. The entire process took about a week and a half, and AFC Home Warranty covered both visits without additional out-of-pocket costs.
Testing First American Home Warranty
Our First American tester filed a claim online for a broken garage door opener, which took less than two minutes. First American immediately confirmed the claim and sent the assigned contractor’s information by text, and the contractor called within an hour to schedule service. The technician arrived on time, explained the problem, and completed the repair in about 20 minutes. First American covered the repair, leaving our tester responsible only for an $85 service call fee.
Homeowner Insights
Florida homeowners typically experienced quick results after filing a claim. In our 2026 survey, 53% of respondents said their most recent issue was resolved the same day or within one week.
How Much Does a Home Warranty Cost in Florida?
Home warranty costs in Florida typically range from $39–$77 per month or $454–$906 per year. This is slightly below the average cost of a home warranty, which falls between $47 and $82 per month or $564–$984 annually. Service call fees usually range from $65–$125 per visit, which is also important to consider when comparing plans. To get the best value, choose a plan that fits your coverage needs and keeps service fees manageable, especially if you expect to use your warranty frequently.
Compare the cost of our top-rated home warranty companies in Florida below. Note that your total cost will depend on your location, plan, and any additional coverage you buy.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $18–$85 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| First American Home Warranty | $66–$118 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How Do Florida Home Warranty Costs Compare to Nearby States?
The average monthly home warranty cost in Florida is $55, which is 2% cheaper than the national average cost of $56. This cost is 11% cheaper than the closest five states’ average cost of $62.
| State | Average Monthly Cost | % Cost Difference from Florida |
|---|---|---|
| Georgia | $61 | +11% |
| Alabama | $48 | -13% |
| South Carolina | $72 | +31% |
| North Carolina | $65 | +18% |
| Tennessee | $66 | +20% |
How We Determined Home Warranty Pricing
We collected nearly 4,000 quotes from 13 home warranty providers across all 50 U.S. states to estimate coverage costs in Florida and nationwide. We used sample addresses for single-family homes both above and below 4,000 square feet to calculate average prices. In Florida, we requested quotes for homes in Orlando, Steinhatchee, Tallahassee, and Winter Garden to reflect both urban and rural areas. We also averaged the costs for plans in each state to determine a national price range.
How Does Where Live in Florida Impact Home Warranty Coverage?
Florida’s climate can feel different depending on where you live in the state, which means your home systems face various challenges. Whether you’re in a humid coastal city, a cooler northern area, or a storm-prone zone, it’s important to choose a home warranty plan that fits your region’s specific needs.
South Florida
South Florida’s year-round heat and humidity can put extra strain on HVAC systems, making strong home warranty coverage a must. Many homes in this region also have aging plumbing and electrical systems, especially in older neighborhoods. Look for a plan with comprehensive HVAC protection and consider adding protection for plumbing, electrical, and roof leaks.
Central Florida
Central Florida’s frequent rain and high water tables make plumbing coverage especially important. Many homes in this area also have pools or spas that could benefit from extra protection. Choose a home warranty plan that covers both HVAC and plumbing systems, and consider add-ons for pool equipment and appliances.
North Florida
North Florida has a mix of older and newer homes, along with cooler winters and hot summers. HVAC systems still work hard during the warmer months, and older homes may have aging plumbing or septic systems. A balanced home warranty plan that covers both systems and appliances is a smart choice here, with optional add-ons for septic or well pumps as needed.
Florida Panhandle
In the Florida Panhandle, coastal storms, salt air, and humidity can take a toll on home systems. Power surges and moisture often impact HVAC units and appliances. Look for a plan that includes both, and consider roof leak protection if it’s available. If your home is used seasonally or as a rental, extended appliance coverage is also a solid add-on.
Inland and Rural Florida
Rural and inland Florida homes often rely on well water, septic systems, or private utilities, which require specialized coverage. These aren’t always included in standard plans, so look for extended plumbing protection and add-ons for septic and well pumps. Since service can vary by location, make sure your provider offers technician support in your area.
Homeowner Insights
In our 2026 survey, nearly 49% of Florida homeowners named air conditioning as the most important system they wanted to cover, well above electrical (19%) and plumbing (11%). Refrigerators led appliance priorities, selected by 54% of respondents.
Does Florida Regulate Home Warranty Companies?
Florida doesn’t require home warranty companies to obtain a license from the state’s Office of Insurance Regulation, but many providers register with the Florida Department of Agriculture and Consumer Services (FDACS). Companies must provide written contracts outlining coverage, exclusions, and cancellation terms.
While not heavily regulated, home warranties in Florida are still subject to consumer protection laws under the Florida Deceptive and Unfair Trade Practices Act. If a company misrepresents coverage or fails to deliver service, homeowners can file complaints through the FDACS, the Florida Attorney General’s Office, or the BBB.
Quick Tip
- When shopping for a reliable home warranty provider, look for clear contract terms, transparent pricing, and confirmation that repair technicians are Florida-licensed.
What Our Survey Shows About Florida Home Warranties
Our 2026 survey of 2,000 home warranty customers nationwide included Florida residents, giving us insight into what they prioritize when choosing and using home warranty coverage.
Coverage Is a Main Priority
Florida homeowners prioritized home warranty coverage details over finding the lowest price. About 54% of our survey respondents said coverage was the most important factor when choosing a home warranty, compared with 11% who prioritized price. Protecting older systems and appliances was also the most common reason for purchasing a warranty, cited by 30% of respondents.
Comprehensive Coverage Is Worth Considering
About 75% of Florida respondents chose combination plans covering both systems and appliances, and their claim outcomes show why comprehensive protection is worth considering.
- Appliance and system claims: Around 44% of home warranty claims involved appliances, while 42% focused on home systems, showing that Florida homeowners use both sides of their coverage.
- Air conditioning is a priority: Nearly 49% of homeowners named air conditioning as the most important system to protect with a home warranty, a particularly relevant consideration given Florida’s warm weather.
- Replacements over repairs: About 39% of homeowners said their most recent claim resulted in a replacement, compared with 29% who received a repair.
Most Floridians Have Positive Claim Experiences
Our Florida survey respondents generally had positive experiences when they used their home warranty coverage. About 86% of homeowners had their most recent claim approved, while roughly 82% were satisfied or very satisfied with the outcome. Nearly 87% of respondents plan to renew their home warranty after their current contract ends, suggesting many see value in their coverage.
How We Collected Our Survey Data
In 2026, we surveyed 2,000 homeowners across the country to learn more about their experiences with home warranties. We asked about their satisfaction with coverage, reasons for buying a plan, and interactions with customer service and the claims process. The survey also examined pricing, available add-ons, and whether homeowners planned to renew their coverage.
What Do Florida Homeowners Think About Home Warranties?
Keeping your HVAC system in top shape is important for Florida homeowners, especially with the state’s summer heat. Daniel V., a homeowner living in Kissimmee, Florida, experienced an air conditioner breakdown when a clogged exhaust pipe caused the coils to freeze. Without a home warranty, Daniel was lucky to have a technician nearby, and the repair cost him just $150. However, he acknowledges that with a bit of preventive maintenance, he could have avoided the problem entirely.
Advice from a Florida Homeowner
Daniel recommends “flushing the pipe regularly” as an important step in air conditioner maintenance. This involves using distilled vinegar to clean out your system’s exhaust pipe. In Florida’s humid climate, cleaning the exhaust pipe every month can help avoid clogs and keep your system running smoothly.
If you’re considering a home warranty, it’s important to remember that most providers require regular maintenance to qualify for system repairs. Some companies, like American Home Shield, offer discounts on HVAC tune-ups and air filter replacements, making staying on top of your system’s care easier and more cost-effective.
FAQs About Home Warranties in Florida
Are home warranties worth it in Florida?
A home warranty is worth considering if you have aging systems or appliances in your Florida home or want more predictable repair costs. Coverage is especially useful for protecting expensive systems you rely on heavily, like air conditioning. However, compare the annual cost of a plan with its coverage limits, service fees, and exclusions before purchasing.
Do Florida home warranties cover air conditioning?
Most home warranty plans with systems coverage include air conditioning, but the amount of protection varies. Check the plan’s HVAC coverage limit, exclusions, and whether cooling is included in the base plan or requires an upgrade. This is particularly important in Florida, where homeowners can rely heavily on cooling systems year-round.
Do Florida home warranties cover hurricane damage?
Home warranties generally cover breakdowns caused by normal wear and tear, not damage caused by hurricanes or other natural disasters. Homeowners insurance may cover certain storm-related damage depending on your policy and the cause of the loss.
What does a home warranty not cover in Florida?
Home warranties generally exclude damage from improper maintenance, misuse, natural disasters, and other causes outside normal wear and tear. Coverage can also vary for preexisting conditions and improperly installed or modified systems. Review a provider’s sample contract for exclusions that could affect your home before purchasing coverage.
Our Rating Methodology for Florida Home Warranty Companies
We back up our home warranty ratings and recommendations with a detailed methodology designed to objectively evaluate each provider. Our research includes reviewing coverage options, analyzing sample contracts, and researching providers directly. We also collected nearly 4,000 quotes from 13 home warranty companies across all 50 states, using sample addresses for homes of different sizes to analyze pricing.
For our Florida recommendations, we conduct additional research to understand the needs and experiences of homeowners in the state. We analyze responses from Florida homeowners in our nationwide survey of 2,000 home warranty policyholders, focusing on factors such as coverage priorities, plan choices, claims experiences, and satisfaction. We also research local home and climate considerations that may affect coverage needs and analyze quotes from different parts of the state to evaluate local pricing.
We supplement this research with hands-on testing. We test providers’ online quote tools and customer support, and over two years, we purchased home warranty plans from 11 leading providers to experience the enrollment and claims processes ourselves.
We use these findings to evaluate each provider across 23 factors in six weighted categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%). Each factor receives a point value based on its importance to homeowners, for a total possible score of 100 points. We then convert each provider’s score to a 5-star rating.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
