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All Reviewed Home Warranty Companies

American Home Shield
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Liberty Home Guard
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First American Home Warranty
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AFC Home Warranty
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Select Home Warranty
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Choice Home Warranty
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Elite Home Warranty
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Cinch Home Services
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2-10 Home Warranty
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HomeServe
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America’s Preferred Home Warranty
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The Home Service Club
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American Residential Warranty
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Overall Score

 4.8 / 5 4.4 / 5 4.6 / 5 4.6 / 5 3.7 / 5 4.7 / 5 4.6 / 5 4.3 / 5 4.1 / 5 3.3 / 5 3.9 / 5 3.3 / 5 3.2 / 5

BBB Rating

 B NR B B B- B B+ B+ A A+ A+ C+ A-

Monthly Cost

 $49–$109 $49–$59 $47–$87 $34–$92 $44–$47 $46–$55 $44–$59 $30–$56 $27–$70 $4–$70 $40–$50 $50–$60 $39–$130

Service Fees

 $100–$125 $65–$125 $75–$125 $75–$125 $60–$75 $100 $70 $100–$150 $65–$100 $100 $50–$125 $65–$125 $55

Customer Support Options

 Phone, Online Portal Email, Phone, Online Chat, Online Portal Phone, Online Portal Phone, Online Portal Email, Phone, Online Portal Email, Phone, Online Portal Email, Phone, Online Portal Email, Phone, Online Portal Phone, Online Portal Phone, Online Portal Phone, Online Portal Email, Phone, Online Portal Phone, Online Portal

Response Time

 Up to 48 hours Up to 48 hours 4–48 hours 24-48 hours 48-84 hours 24–48 hours Up to 48 hours 2–24 hours Up to 48 hours Within 24 hours 24–48 hours 12-48 hrs. 24–48 hours

Pros
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • Unlimited system coverage
  • Solid add-on catalog
  • Optional upgrade for preexisting condition coverage
  • Excellent plan flexibility
  • Technician flexibility
  • Unlimited HVAC coverage
  • Low-cost plan options
  • High HVAC coverage
  • Free roof leak protection
  • $3,000 coverage caps for most items
  • Bundled plan offerings priced under $60
  • Quick claims processing
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Coverage for unique components (doors, drawers, knobs)
  • 180-day workmanship guarantee
  • Coverage for items with unknown preexisting conditions
  • Flexible service call fees
  • Extended coverage upgrades available
  • Unlimited workmanship guarantee
  • Unlimited coverage caps on home systems
  • 24/7 repair hotline
  • 1-year workmanship guarantee
  • Additional coverage on select systems and appliances
  • Low $50 service fee option
  • Option for plan holders to choose own technicians
  • Home inspection not required for coverage to start
  • 30-day labor guarantee and 90-day parts guarantee
  • Coverage regardless of item age, make, or model
  • Coverage offered for multiple cooling and heating systems
  • Low $55 service fee
  • Six customizable plans offered

Cons
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • No AC coverage in the lowest plan
  • Excludes essential appliances from its lowest plan
  • Depreciation policy for older items
  • Immediate claim submission required
  • Low coverage caps for other items
  • No service call fee flexibility
  • Unresolved lawsuit with Arizona Attorney General's Office
  • One service fee more expensive than other providers
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • Limited additional coverage options
  • High service call fees compared to other providers
  • More limited contractor network
  • Processing fee imposed on monthly premiums
  • No add-on options
  • No à la carte options for appliances
  • Only one protection plan offered
  • Expensive coverage when paired with lowest service fee
  • Not BBB accredited
  • Higher than average service fee
  • No roof-leak coverage
  • Washer/dryer coverage as an add-on only

Summary

We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.

We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.

We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. 

We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems.

We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.

We recommend Choice Home Warranty for homeowners who want an affordable basic plan with generous coverage limits for most items.

We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.

We recommend Cinch Home Warranty for homeowners who want coverage for items most providers don’t cover, such as built-in food centers and free-standing ice makers.

We recommend 2-10 Home Buyers Warranty for homeowners who want the most affordable appliance-only coverage.

We recommend HomeServe for homeowners who want diverse plan options, as it offers up to 18 individual plans with varying coverage.

We recommend America’s Preferred Home Warranty for homeowners who want an easy claims process that can be completed online.

We recommend The Home Service Club for homeowners who want quick coverage without a home inspection required for it to kick in.

We recommend American Residential Warranty for homeowners who want an affordable service call fee paired with customizable plans.

Promotions

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Rating Categories

 American Home Shield Liberty Home Guard First American Home Warranty AFC Home Warranty Select Home Warranty Choice Home Warranty Elite Home Warranty Cinch Home Services 2-10 Home Warranty HomeServe America’s Preferred Home Warranty The Home Service Club American Residential Warranty

Coverage
4.8 / 5
2.9 / 5
4.9 / 5
3.9 / 5
2.1 / 5
4.7 / 5
3.4 / 5
3.1 / 5
2.6 / 5
1.4 / 5
2.4 / 5
1.5 / 5
1.4 / 5

Value
3.3 / 5
4.8 / 5
3.3 / 5
3.8 / 5
4.8 / 5
4.3 / 5
4.3 / 5
4.3 / 5
4.3 / 5
4.3 / 5
4.8 / 5
4 / 5
4 / 5

Trustworthiness
3.7 / 5
4.3 / 5
4 / 5
4.3 / 5
3.7 / 5
3.5 / 5
4.7 / 5
4.7 / 5
4.3 / 5
3.7 / 5
3.8 / 5
3.3 / 5
4 / 5

Plan Transparency
5 / 5
2.5 / 5
2.5 / 5
3.5 / 5
2.5 / 5
3 / 5
3 / 5
3 / 5
4.0 / 5
2.5 / 5
3.5 / 5
3.5 / 5
3 / 5

Customer Support
4 / 5
4.5 / 5
2.8 / 5
3 / 5
3 / 5
4 / 5
3.5 / 5
4 / 5
2.3 / 5
3.5 / 5
3.0 / 5
3.5 / 5
3 / 5

Flexibility
2.5 / 5
3.5 / 5
3 / 5
4 / 5
2.5 / 5
2 / 5
4.5 / 5
2.5 / 5
4.0 / 5
2.5 / 5
2.5 / 5
2 / 5
2 / 5