American Home Shield is our top home warranty for condos because of its high coverage limits for major systems and appliances and protection for certain preexisting conditions. A condo home warranty can help cover repair and replacement costs for systems and appliances within your unit that your homeowners association (HOA) doesn’t maintain.
To find the best options, we selected leading home warranty providers that cover condos and compared their coverage, costs, and contract terms. We also analyzed our 2026 survey of 2,000 home warranty users nationwide to understand their experiences with coverage and claims. In addition, our team tested providers firsthand by filing claims and tracking repairs to see how the service process works.
Key Takeaways
- American Home Shield is our top home warranty pick for condos, offering high coverage limits and protection for older items.
- Condo-specific home warranty plans range from $20–$70 per month.
- Before choosing a condo home warranty, check your HOA’s responsibilities and prioritize coverage for the systems and appliances you’re responsible for repairing.
The Best Home Warranty Providers for Condos
These are the best providers of home warranty coverage for condos according to our research.
- American Home Shield: Best Comprehensive Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Compare Home Warranty Companies for Condos
The table below compares our top home warranty companies for condos based on key factors such as cost, coverage, and service fees. Costs reflect average national pricing and may vary based on your location, plan, and selected coverage.
| Provider | Our Score | Service Fee Cost | State Availability | Response Time |
|---|---|---|---|---|
$100–$125 | 48 states (ex. AK & HI) | 24–48 hours | ||
$65–$125 | All 50 states | 24–48 hours | ||
$100–$125 | 36 states | 4–48 hours | ||
$75–$125 | 47 states (ex. CA, HI, WA) | 24-48 hours |
Our Review of the Best Condo Home Warranty Companies
We prioritized providers that explicitly cover condos and evaluated how well their plans protect the systems and appliances condo owners may be responsible for. We also considered coverage limits, exclusions, and contract terms that could affect condo owners.
American Home Shield
Coverage Overview
- Covers certain undetectable preexisting conditions
- Includes up to $5,000 HVAC system coverage with every plan
- Offers up to $4,000 per covered appliance with its highest-tier plan
Keep in Mind
- Doesn’t offer roof-leak coverage for condos with shared roofs
- Offers fewer add-ons than many competitors
Our Review and Insights
We chose American Home Shield as our top home warranty provider for condo owners because of its comprehensive coverage, high limits for major systems and appliances, and protection for certain preexisting conditions. American Home Shield’s plans cover eligible heating, cooling, electrical, and plumbing components, while its two higher-tier plans add kitchen and laundry appliances.
American Home Shield works well for older condos or units with aging systems and appliances. The company doesn’t impose age limits on covered items or require maintenance records, and it covers certain undetectable preexisting conditions.
Plan Details and Cost
American Home Shield offers three plans for condo owners:
- ShieldSilver ($36 per month): The ShieldSilver plan covers 14 systems, including HVAC, electrical, and plumbing.
- ShieldGold ($50 per month): The ShieldGold plan covers 14 systems and nine home appliances, including dishwashers, laundry appliances, and refrigerators.
- ShieldPlatinum ($100 per month): The ShieldPlatinum plan includes ShieldGold coverage and adds higher appliance limits, HVAC tune-ups, roof-leak coverage, and other benefits.
American Home Shield covers eligible systems and appliances located within your condo, depending on your plan. It provides up to $5,000 per covered HVAC system, while ShieldGold covers appliances for up to $2,000 per item and ShieldPlatinum increases appliance coverage to $4,000 per item. Each service request requires a $100 or $125 service fee. Condos and townhomes generally must be under 5,000 square feet to qualify.
The company offers six add-on options, which is fewer than many competitors. Its electronics protection add-on covers an unlimited number of eligible devices, including laptops, TVs, tablets, gaming systems, and select smart home products. Although ShieldPlatinum includes up to $1,000 for eligible roof-leak repairs, this benefit isn’t available for condos with shared roofs.
First American Home Warranty
Coverage Overview
- Covers certain improper installations and code violations with First American Advantage
- Offers up to $7,000 in appliance overage under its highest plan
- Provides coverage for major systems including air conditioning and electrical
Keep in Mind
- Applies individual limits to certain system components and related expenses
- Requires condo owners to call for a quote
Our Review and Insights
First American Home Warranty stands out for its high appliance coverage limits, making it a strong option for condo owners with high-end appliances. Its Premium plan provides up to $7,000 in coverage per covered kitchen appliance, while the Starter and Essential plans provide up to $3,500. The company also covers major heating, plumbing, and electrical systems under all three plans, with air conditioning coverage starting with the Essential plan.
Plan Details and Cost
First American Home Warranty offers three plan tiers for condo owners:
- Starter Plan ($77 per month): Covers appliances and systems such as built-in microwaves, heating systems, and refrigerators. It excludes air conditioning, water heaters, clothes washers, and clothes dryers.
- Essential Plan ($100 per month): Includes Starter Plan coverage and adds air conditioning, water heaters, clothes washers and dryers, and ceiling, attic, and exhaust fans.
- Premium Plan ($130 per month): Includes Essential Plan coverage and adds higher coverage limits, roof-leak protection, window air conditioning units, and other benefits.
First American provides up to $3,500 per covered kitchen appliance with its Starter and Essential plans, while Premium increases the limit to $7,000. Premium also removes the $3,500 coverage limit on clothes washers and dryers. The First American Advantage benefit covers certain costs related to improper installation, code violations, permits, and equipment access. The company excludes common areas and facilities, as well as common systems and appliances located outside individual units. You can choose between a $100 and $125 service call fee with your plan.
First American offers eight optional coverage choices. The following options are most applicable to condo owners:
- Additional refrigeration
- Central air conditioning (Starter Plan customers only)
- HVAC tune-ups
- Limited roof-leak coverage
AFC Home Warranty
Coverage Overview
- Includes a plan-length workmanship guarantee
- Lets homeowners choose their own licensed technician
- Offers four coverage plans and two service call fees for more customization
Keep in Mind
- Applies depreciation to covered items five years old or older
- Has relatively low electrical and plumbing coverage caps
Our Review and Insights
AFC Home Warranty gives condo owners more control over their coverage and repair process. The company offers four plans and two service call fee options, and it allows customers to choose their own licensed and insured technician. The provider also offers an unlimited workmanship guarantee on completed repairs. These features can appeal to condo owners who prioritize contractor choice and want more options for adjusting their plan to their budget and coverage needs.
Plan Details and Cost
AFC Home Warranty offers four coverage plans:
- Silver Plan (call for a quote): Covers nine major appliances, such as cooktops, kitchen refrigerators, and garage door openers.
- Gold Plan ($44 per month): Combines coverage for nine appliances with six major home systems, including heating, air conditioning, and plumbing.
- Platinum Plan ($51 per month): Expands coverage to 10 appliances and nine home systems, adding items such as built-in microwaves, faucets, and plumbing stoppages.
- Diamond Plan ($82 per month): Includes everything covered by the Platinum Plan, plus electronics and exterior water and sewer line protection.
AFC provides up to $3,000 per covered appliance under its sample Diamond contract, while some systems have lower individual limits, including $500 for plumbing and $150 for ductwork. New customers also have a 30-day waiting period before coverage begins.
Condo owners should note that AFC requires annual maintenance records for HVAC and tankless water heater claims. You can choose from a $75 or $125 service fee, with the higher service call fee lowering your monthly costs.
AFC offers eight optional add-ons, which are charged annually rather than monthly like other providers. The following options are most applicable to condo owners:
- Central vacuum
- Electronics coverage
- Stand-alone freezer
Liberty Home Guard
Coverage Overview
- Includes four plans, including an HVAC-only option
- Offers more than 40 add-on options
- Provides a 365-day workmanship guarantee
Keep in Mind
- Limits most covered items to $2,000
- Offers low coverage limits for plumbing and electrical systems
Our Review and Insights
Liberty Home Guard is a good option for condo owners who want more control over how they build their coverage. Its range of plans and optional coverage lets customers protect specialty items that a standard home warranty may not cover. Liberty also offers home services such as pest control, allowing customers to combine home warranty protection and certain maintenance services with one provider. The company backs completed repairs with a 365-day workmanship guarantee and offers a mobile app and live chat support for easier plan management and customer service.
Plan Details and Cost
Liberty Home Guard offers four plans covering appliances, systems, or a combination of both:
- HVAC Guard (call for a quote): Covers air conditioning and heating systems only.
- Appliance Guard ($50 per month): Covers nine major appliances, including refrigerators, dishwashers, ovens, washers, and dryers.
- Systems Guard ($55 per month): Covers six major home systems, including plumbing, electrical, heating, air conditioning, ductwork, and water heaters.
- Total Home Guard ($60 per month): Combines the appliance and system coverage included in the Appliance Guard and Systems Guard plans.
Liberty Home Guard covers repair or replacement costs up to $2,000 per covered item. Plumbing and electrical systems have lower $500 limits, which drop to $250 during the first 90 days of coverage. The company also charges a $65–$125 service call fee per claim. Liberty Home Guard assigns the fee after enrollment based on the selected plan and the home’s location, rather than allowing customers to choose their rate.
Liberty offers over 40 optional add-ons, including coverage for specialty items and additional home services. Options that may suit condo owners include:
- Central vacuum
- Electronics protection
- Plumbing fixtures
- Professional-series appliance coverage
- Second refrigerator
What Does a Home Warranty Cover in a Condo?
A condo home warranty can cover major systems and appliances within your individual unit, such as heating and cooling equipment, plumbing, ductwork, and kitchen appliances. It generally won’t cover common areas, shared systems or amenities, exterior walls, or other components your condo association maintains.
When evaluating home warranty providers, we focus on the systems and appliances condo owners typically maintain. The following are key condo components covered by the most comprehensive plans from our top providers:
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Ductwork
- Electrical systems
- Garbage disposals
- HVAC systems
- Ovens and ranges
- Plumbing systems
- Refrigerators
- Water heaters
Homeowner Insights
- According to our survey of 2,000 home warranty policyholders, 69% chose a combination plan covering both appliances and systems—making it the most popular plan type by a wide margin. When comparing condo warranties, look for combination plans that bundle the appliances and systems most relevant to your unit.
How Much Does a Home Warranty for a Condo Cost?
Condo-specific home warranty plans cost between $20 and $70 per month. The national average plan prices listed in our provider reviews may be higher and can vary based on your location, coverage level, optional add-ons, service fee, and other plan selections. By comparison, the average home warranty cost for a single-family home is $56 per month, with plans ranging from $47–$82 per month. Many companies also offer annual payment options.
The monthly or annual premium isn’t the only cost to consider. The providers on our list charge service call fees ranging from about $65–$150 each time you request service for a covered breakdown. Some providers let you choose your service fee, with a higher fee typically resulting in a lower premium and vice versa. Coverage limits also affect how much a provider will pay toward repairing or replacing certain systems and appliances.
Can a Home Warranty Lower Condo Repair Costs?
A home warranty can reduce out-of-pocket repair costs when a covered system or appliance in your condo breaks down. Instead of paying the full cost of an eligible repair, you typically pay a service fee when you file a claim, while the provider pays approved repair or replacement costs up to the plan’s coverage limits.
The amount you save depends on the repair, your service fee, and your plan’s coverage limits and exclusions. You may still have out-of-pocket costs if a repair exceeds your coverage limit or includes work that isn’t covered. This makes it important to consider both the warranty price and how much protection you’re getting for the systems and appliances you’re responsible for.
Homeowner Insights
- Our survey also found that service call fees—a key cost driver beyond your monthly premium—mostly range between $75 and $125 per visit, but homeowner dissatisfaction increases significantly when fees exceed $150. For condo owners making fewer large claims, choosing a plan with a lower service fee can be just as important as the monthly rate.
Reading the Fine Print of Your Condo Coverage Plan
Your home warranty plan’s fine print will break down important coverage exclusions. Reading the fine print before purchasing a plan helps avoid surprises or claim denials.
Common Exclusions in Fine Print
- Some home warranty providers won’t allow you to choose your own service contractor.
- Each system or appliance usually has a maximum coverage cap.
- Many plans won’t cover preexisting conditions.
- Some providers limit coverage for the first 30–90 days.
- Several providers won’t cover appliances they consider “luxuries,” such as KitchenAid, Smeg, or Bosch.
This isn’t an exhaustive list of potential exclusions. Read your condo’s home warranty plan before signing the paperwork to confirm any potential exclusions or fees.
Homeowner Insights
- It’s also worth considering overall satisfaction trends across the industry. In the same This Old House survey, 46% of all home warranty holders said they were “very satisfied” with the outcome of their most recent claim, and another 44% said they were “satisfied”—meaning nearly 9 in 10 respondents had a positive claims experience, regardless of provider.
How To Choose the Right Home Warranty Company
The right condo home warranty should protect the repairs you’re responsible for without adding unnecessary coverage. As you shop for a home warranty, use the following steps to narrow down your choices:
- Check your HOA’s responsibilities: Review your governing documents to determine which systems, appliances, and repairs you’re responsible for. This can prevent you from paying for coverage that overlaps with your HOA’s responsibilities.
- Compare protection for your most important items: Focus on systems and appliances that would be expensive to repair or replace, such as your HVAC system, plumbing, or major kitchen appliances. Compare coverage caps as well as whether each item is covered.
- Verify the plan fits your condo: Review the sample contract and confirm your property is eligible for coverage. Before purchasing a plan, ask about service fees, waiting periods, access-related costs, and exclusions that could affect your unit.
How We Evaluated Home Warranty Providers on Condo Coverage
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 conducting direct provider research. 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 condo recommendations, we conduct additional research into relevant coverage and features. We compare applicable coverage limits, exclusions, plan terms, add-on options, and other factors that can affect the protection homeowners receive. We also analyze relevant responses from our nationwide survey of 2,000 home warranty policyholders. This helps us understand the priorities and experiences of homeowners with these specific coverage needs.
We complement this research with hands-on testing. We test providers’ online quote tools and customer support, and over a two-year period, we purchased home warranty plans from 11 leading providers, allowing us 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.
