Best Home Warranty Companies in Georgia (With Customer Feedback)

• Covers $5,000 in HVAC repairs—twice as much as most companies
• Offers discounts for heating and cooling tune-ups and air filters
• Provides roof-leak coverage in its highest-tier plan
• Offers live assistance from certified technicians via video call

Keep in Mind

• Has the highest prices of any company we reviewed
• Offers fewer ways to customize your coverage than other providers

We recommend American Home Shield (AHS) to Georgia homeowners for a few reasons. First, it has a generous HVAC coverage limit of $5,000, which is double the industry standard of $2,500. A coverage limit is the maximum amount a company will pay for specific repairs within your plan term. Having high HVAC limits is invaluable for Georgia homeowners, given the state’s intense summers and nearly year-round heat. AHS also has discounts for heating and cooling tune-ups and air filter replacements. These help keep your HVAC system in good shape, preventing breakdowns in the first place.

There are two areas where AHS could be better: its plan variety and price. AHS doesn’t offer an appliance-only plan, so it’s not the best choice if you’re only interested in protecting appliances like refrigerators and dishwashers. As for its price, AHS is the most expensive company on this list.

Here’s an overview of American Home Shield’s plans in Georgia:

• ShieldSilver ($23 per month): A system-only plan that covers 14 key items, including your home’s HVAC, plumbing, and electrical.  
• ShieldGold  ($33 per month): This next tier plan includes combined coverage for 14 systems and nine key home appliances, such as dishwashers, refrigerators, and ovens.
• ShieldPlatinum ($90–$100 per month): The company’s most comprehensive plan option includes ShieldGold coverage, plus added items like roof-leak protection and HVAC tuneups.

We read through an American Home Shield sample contract to learn more about its coverage limits between each plan. We learned that system coverage is set at $5,000 for each plan. The ShieldSilver and ShieldGold plans each provide up to $2,000 in appliance coverage, while the ShieldPlatinum plan doubles that limit to $4,000. However, all plans include the same coverage limits for systems, which we listed above. You can choose a $100 or $125 service call fee, with the higher option resulting in a lower monthly payment.

American Home Shield offers only six add-ons, which is lower than most providers we’ve reviewed that provide 8–10 options. Coverage limits for add-ons generally range from $500–$3,000, depending on the item, with monthly pricing ranging from $3– $24. Add-on options also include $1,000 in roof leak coverage, a valuable benefit given Georgia’s rainy seasons.

Some top add-on options we recommend for Georgia homeowners include:

• Electronics protection plan
• Pool and built-in spa equipment
• Roof-leak repair
• Septic pump
• Well pump

• Offers comprehensive coverage at reasonable prices
• Completes follow-up repairs if issues persist within 90 days, whereas most companies only do this within 30 days
• Covers up to $3,000 in claims for most items, $500 more than the industry average

Keep in Mind

• Doesn’t cover essential items in its basic plan
• Is facing a lawsuit filed by the Arizona Attorney General’s Office

Choice Home Warranty stands out in one area: its value. Choice’s most expensive plan costs only $55 per month, making it one of the most affordable home warranties on this list. The company also has coverage caps of $3,000 for most of its covered items, which is $500 more than the industry average. Considering its low cost, these caps are extremely generous compared to other providers. Overall, we think Choice is a reliable “middle of the road” option that can work for homeowners of all budgets.

Our biggest concern is the lack of coverage in Choice’s basic plan, which doesn’t include essential items like refrigerators and air conditioning units. If you want these items covered, you’ll need to upgrade to a higher-tier plan. Most other providers cover these must-have items in their basic packages.

Another issue is that Choice is currently being sued by the Arizona Attorney General’s Office. The lawsuit alleges that Choice denied claims in bad faith. We contacted Choice about the lawsuit, and a representative said that while they could not comment on pending litigation, the company is “committed to providing best-in-class service to every customer.”

Choice Home Warranty provides two plan options:

• Basic Plan ($59 per month): Choice’s lowest combined plan covers eight systems and six home appliances, including plumbing stoppages, heating, and water heaters. 
• Total Plan ($67 per month): The highest plan tier extends coverage to nine appliances and nine systems, adding air conditioners, laundry appliances, and refrigerators.

After reviewing a Choice Home Warranty sample contract, we found that the company offers a flat $3,000 coverage limit for most items. This limit remains the same across both of its plan options. In addition, Choice Home Warranty doesn’t offer flexibility with its service call fee, maintaining a fixed $100 rate for all technician appointments. This means customers can’t adjust their service fee to better fit their budget.

With 10 add-on options, Choice Home Warranty offers similar coverage flexibility to most competitors. Add-ons range in price from $3–$15 per month, with coverage limits of $250–$500. Roof leak coverage is capped at $500, half the amount offered by American Home Shield and First American Home Warranty.

We’ve highlighted some of Choice’s add-on options for Georgia homeowners below:

• Central vacuum
• Limited roof leak
• Second refrigerator
• Septic system
• Well pump

• Covers unlimited repairs for HVAC and plumbing
• Covers up to $7,000 for appliances in its top plan, over three times the industry standard
• Will cover improperly installed or damaged items as a free upgrade

Keep in Mind

• Doesn’t have appliance- or system-only plans
• Has higher-than-average prices

First American Home Warranty is a good option for Georgia homeowners thanks to its unlimited coverage caps for HVAC and plumbing systems. If you have a larger home or a higher-end HVAC system, an unlimited coverage cap will keep you from paying out of pocket when things break down.

Similarly, the company’s “First American Advantage” upgrade can benefit owners of older homes or those with already damaged items. This add-on covers items damaged from poor upkeep or faulty installation. Few other home warranty companies offer this kind of protection.

Similar to American Home Shield, First American doesn’t offer system- or appliance-only plans, so you’re likely better off with a different company if that’s the only coverage you want. Another issue is that its cheapest plan, the Starter Plan, doesn’t cover roof leaks. Not all companies offer roof leak protection in their basic plans, but it’s a valuable perk for Georgians who regularly experience summer thunderstorms. You can buy this coverage as an add-on from First American for an extra $8.33 extra per month.

Here’s an overview of First American Home Warranty’s plan options: 

• Starter Plan ($45–$50 per month): The lowest level comprehensive plan covers eight appliances and four systems, including dishwashers, plumbing stoppages, and heating systems.
• Essential Plan ($60–$65 per month): The mid-tier plan covers 11 appliances and six systems, including air conditioning, laundry appliances, and water heaters.
• Premium Plan ($80–$85 per month): The highest plan tier includes 11 appliances and eight systems, including instant hot water dispensers and luxury appliances.

According to a First American Home Warranty sample contract, the Starter and Essential plans include $3,500 in appliance coverage, while the Premium Plan increases that limit to $7,000. Most systems have no coverage caps, though water heaters under the Essential Plan have a $1,000 limit. Customers can choose between a $100 or $125 service call fee, with monthly costs adjusted based on the option you select.

First American’s 12 add-on options are competitively priced between $2 and $21 per month, with coverage limits ranging from $500–$2,500. The Premium Plan adds $1,000 in roof leak protection at no extra cost. Roof leak protection is also offered as an add-on for the Starter and Essential plans, but at an extra monthly cost. In addition, the First American Advantage upgrade comes free with the Essential and Premium plans.

Below is a quick list of examples of available add-ons from First American Home Warranty:

• Additional refrigeration
• Central air conditioning (Starter Plan only)
• HVAC tune-up
• Limited roof-leak
• Septic tank system/pumping

• Offers a 24/7 live chat for any-time customer service
• Includes a 60-day workmanship guarantee, double the industry average
• Has the largest add-on selection at over 40 items

Keep in Mind

• Doesn’t reveal its service call fee rates until after signup
• Has low plumbing and electrical coverage caps of $500

We recommend Liberty Home Guard to Georgia homeowners because of its impressive add-on selection of 42 items. This means that you can cherry pick almost any additional coverage you want without having to upgrade to a more expensive plan. Liberty’s add-ons include coverage for items that many homeowners in Georgia would find helpful, such as two AC units, wells, sump pumps, and roof leaks. It also has coverage options for gutter cleaning, which can be a massive time-saver for homes in forested areas.

Liberty Home Guard comes up short on its service call fee policy and certain coverage caps. A service call fee is the one-time payment you make when a repair person comes to your home. Typically, a home warranty company will let you pick a higher service call fee if you want a lower monthly premium or vice versa. Liberty doesn’t let you choose your fee. However, its service call fees range from $65–$125, which is in line with the industry standard.

Liberty’s coverage falls within the industry average for most items, with the exception of plumbing and electrical systems. It only offers $500 of coverage for these, which is $2,000 below the standard.

Liberty Home Guard offers three plan options:

• Appliance Guard ($57 per month): This plan includes coverage for nine appliances, like built-in microwaves, dishwashers, and kitchen refrigerators.
• Systems Guard ($63 per month): The company’s systems-only plan covers six systems, including heating, electrical, and plumbing.
• Total Home Guard ($68 per month): The highest plan tier offers comprehensive coverage protection for nine appliances and six systems.

According to Liberty Home Guard’s sample contract, appliance coverage limits reach $2,000, while system limits vary by category. The company covers HVAC systems, ductwork, and water heaters up to $2,000, but caps plumbing and electrical systems at $500. Liberty also doesn’t offer flexible service call fee rates. Instead, the company assigns fees based on your chosen plan, add-ons, and locations. Fees can vary between $65 and $125.

Liberty Home Guard offers the largest add-on catalog in this review, with more than 40 options available. Pricing ranges from $4–$36 per month, depending on the item. The company doesn’t list coverage limits for all add-ons online, which may make pricing comparisons difficult. However, roof leak coverage costs $12 per month and includes a $500 limit, which is less than what many competitors offer.

Here’s a list of some of Liberty Home Guard’s add-on options:

• Gutter cleaning
• Limited roof leak
• Pro-series refrigerator
• Septic system pumping
• Well pump