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9 Best Home Warranty Companies (February 2024 Guide)

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed By Mike Qiu Updated 02/23/2024

Taking time to read through home warranty contracts and compare coverage options can be a major hassle. We’ve made the process easier by doing some of the legwork. Based on our research, we recommend Liberty Home Guard (LHG) as the best home warranty company for its extensive add-on selection and excellent customer satisfaction ratings. We also like American Home Shield (AHS) as our second choice for its comprehensive coverage and generous limits.

To determine our recommendations, we rated nearly 60 home warranty companies based on consumer research, industry insights, and our own secret shopping. We compared each home warranty provider on more than 30 key scoring factors, then narrowed down our list to the top nine.

The best home warranty company for you depends on your specific circumstances. Keep reading to find the home warranty best suited to protect your home.

Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


Summary of Top Home Warranty Companies

We used a detailed scorecard to evaluate 57 nationwide home warranty providers on 31 factors, then narrowed our list to the top nine companies shown below.

Select Home Warranty: Most Affordable

Compare Home Warranty Companies

We surveyed 2,000 homeowners and found that pricing was the leading consideration for most homeowners when choosing a home warranty plan, followed closely by the provider’s reputation. The table below compares these and other key attributes of our top nine recommended home warranty providers. It also shows how these top companies measure up against other providers that weren’t selected for our list.

Star Rating BBB Rating Monthly Cost Service Fee Response Time Link
Liberty Home Guard
A $49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield
B $29–$89 $100–$125 Up to 48 hours VISIT SITE
Select Home Warranty
B $44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty
B $42–$82 $75–$125 4-48 hours VISIT SITE
AFC Home Club
B $38–$64 $75–$125 24-48 hours VISIT SITE
Elite Home Warranty
A+ $44–$58 $70 Up to 48 hours VISIT SITE
Cinch Home Services
B $30–$56 $100–$150 2-24 hours VISIT SITE
2-10 Home Buyers Warranty
A- $27–$70 $65–$100 Up to 48 hours VISIT SITE
Liberty Home Guard
Star Rating
BBB Rating A
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Star Rating
BBB Rating B
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Star Rating
BBB Rating B
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
AFC Home Club
Star Rating
BBB Rating B
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
VISIT SITE
Elite Home Warranty
Star Rating
BBB Rating A+
Monthly Cost $44–$58
Service Fee $70
Response Time Up to 48 hours
VISIT SITE
Cinch Home Services
Star Rating
BBB Rating B
Monthly Cost $30–$56
Service Fee $100–$150
Response Time 2-24 hours
VISIT SITE
2-10 Home Buyers Warranty
Star Rating
BBB Rating A-
Monthly Cost $27–$70
Service Fee $65–$100
Response Time Up to 48 hours
VISIT SITE
Company BBB Rating Monthly Cost Service Fee Visit Site
A $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B $30–$56 $100–$150 VISIT SITE
A- $27–$70 $65–$100 VISIT SITE
No results were found.

Note: BBB ratings are accurate as of January 2024.
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,115-square-foot, single-family home in Tempe, Arizona. Your pricing may vary depending on your home’s location, size, type, and plan selections.


Our Home Warranty Research Process

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

To choose the best home warranty companies, our team reviewed 57 home warranty providers and compared 31 coverage plans, including service call fees, exclusions, and other key contract details. We read 57,000 customer reviews, surveyed 2,000 homeowners, and held focus groups to determine common pain points and home warranty experiences. We spoke with 15 home warranty experts to learn more about the industry. Finally, we conducted firsthand testing through secret shopping and by testing the claim process of several home warranty providers.

Based on our research, we developed a detailed methodology to score each company. We scored based on four categories: coverage, value, trust and transparency, and availability and service. We awarded points for each category and converted scores to a final 5-star rating scale.


Our Home Warranty Experts

We’ve spoken to more than 15 home warranty professionals throughout our home warranty research and coverage. We consulted the following three experts for insights on this article.
Arthur Chartrand: Chartrand served as legal counsel and former executive director for the National Home Service Contract Association (NHSCA). 
Timothy Meenan, JD: Meenan serves as executive director and general counsel for the Service Contract Industry Council (SCIC). 
Mark Buskuhl: Buskuhl is the Founder & CEO of Ninebird Properties, a cash house buyer based in the Dallas-Fort Worth area.

What Are the Basics of a Home Warranty?

Still unsure about the benefits of a home warranty? We’ll get into its purpose, plans, and average costs below.

Do I Need a Home Warranty?

How Much Does a Home Warranty Cost?

What Do Home Warranties Typically Cover?

What Do Home Warranties Typically Not Cover?

How Do Home Warranties Work?

Home warranties provide financial relief in case of unexpected repairs or replacements. They benefit homeowners with little do-it-yourself experience or limited repair savings. They also help protect residents with expensive appliances or older homes requiring more frequent repairs. 

While home warranties can benefit most homeowners, in some situations, they’re unnecessary.

Buskuhl says, “For those who have newer appliances and systems that are still under manufacturer’s warranty, a home warranty may not provide much added value.” He also said that a home warranty may not be worth it if you have significant savings put aside for home repairs.

Based on our research, a home warranty typically costs $644–$737 per year, or $53–$62 per month for a standard coverage plan. You should also factor in service fees, which typically range from $65–$125 per visit. Several factors can impact your total costs, including your chosen plan, home size, location, and add-on coverage.

A home warranty plan covers the repair, service, or replacement of major home systems and appliances when they break down due to wear and tear. Many companies split coverage options into systems, appliances, and combination plans.

The systems and appliances most commonly covered by home warranties include the following items:

  • Air conditioning
  • Built-in microwaves
  • Clothes dryers
  • Clothes washers
  • Dishwashers
  • Ductwork
  • Electrical
  • Garbage disposals
  • Heating systems
  • Ovens
  • Plumbing
  • Refrigerators
  • Water heaters

Home warranties don’t typically cover built-in systems and appliances incorrectly installed, modified, or malfunctioning due to neglect, misuse, accidental damage, or an “act of God.” Many companies exclude your home’s structural elements, such as the drywall or windowpanes. Additional exclusions include any items protected by a manufacturer’s warranty and miscellaneous items such as dials, knobs, or other nonessential components.

Home warranties protect home systems and appliances when faced with unexpected failures. Here’s an overview of the entire process:

  • Step 1: Enroll in a plan: Choose a reputable home warranty company and sign up for service. Plans typically last one year and require a 30 to 90-day waiting period before coverage begins.
  • Step 2: File a claim: File a claim with your home warranty company online, over the phone, or through the mobile app. Your company may ask for maintenance documentation or photos of the broken item.
  • Step 3: Schedule a repair: The home warranty company arranges for a service technician to complete the repairs. Depending on the company, you may be allowed to choose your preferred technician.
  • Step 4: Pay the service call fee: Once the claim is approved, the technician will visit your home to complete the repairs. You’ll be charged the preapproved service call fee for your visit.

Home Warranty Company Reviews

Here’s a closer look at our top picks for home warranty providers.

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $49–$59

We recommend Liberty Home Guard for homeowners with specific coverage needs. The company offers item-specific and comprehensive coverage plans and over 40 add-ons, more than any other provider we reviewed.

How We Scored Liberty Home Guard

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories:

  • Coverage (4.7 out of 5): LHG scored high for its extensive add-on catalog and plan coverage. 
  • Value (4.25 out of 5): LHG lost points for its unclear service fee policy and inflexible fee options. 
  • Trustworthiness and Transparency (4.8 out of 5): LHG scored high due to its A rating with Better Business Bureau (BBB) and excellent third-party customer review scores. 
  • Availability and Service (4.3 out of 5): LHG lost points for its inflexible service contractor policy.

Pros and Cons

Pros Extends a 60-day workmanship guarantee, double the industry standard Has live-chat customer service, a rare feature for providers Offers 42 unique optional add-ons, the highest of other reviewed providers Cons Doesn’t provide lower premium rates with a higher service fee Lacks service call fee flexibility, which is common with other providers Offers some of the lowest electrical and plumbing caps in this review

Plans and Cost

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Most home warranty companies offer at least three plans to offer better variety. After reviewing the Liberty Home Guard sample contract, we discovered the company offers $2,000 caps for most appliances and systems, which falls within the industry standard. However, electrical and plumbing systems only receive $500, which falls below many other reviewed company caps. All covered repairs are subject to a 60-day workmanship guarantee, double the 30-day industry standard.

We detailed LHG’s coverage plans below:

  • Appliance Guard: This appliance-only plan covers nine major appliances, such as dishwashers, clothes washers, and dryers. 
  • Systems Guard: Its system-only plan includes six essential built-in systems, such as air conditioning, heating, ductwork, and water heaters. 
  • Total Home Guard: The highest plan tier combines the Appliance Guard and Systems Guard for comprehensive home coverage.

Liberty Home Guard offers midrange premium rates for its monthly and annual plans. 

Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65–$125.

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

Liberty Home Guard offers 42 add-on options, including unique protection such as floor cleaning and generator coverage. The company offers midrange pricing, ranging from $3.00 to $35.99 per month. Popular coverage options include the following items:

  • Limited roof-leak protection
  • Professional series appliances
  • Window washing/cleaning

Our Experience With Liberty Home Guard

When we called for a sample quote, we connected with an LHG representative in under 30 seconds. The online chat feature works quickly but connects you to an automated bot. You must ask to speak to an agent twice before connecting to a real person. We also learned that LHG will send one of its in-network service technicians to repair your appliances. The company will let you select your own if no technicians are in your area.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $29–$89

We recommend American Home Shield (AHS) for homeowners seeking protection for their older homes, systems, or appliances. It’s one of the few providers that offers coverage for preexisting conditions and physical damage, which most companies in this review exclude.

How We Scored American Home Shield

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.7 out of 5): AHS scored high for its comprehensive coverage, even for damaged items.
  • Value (4 out of 5): AHS lost points for its bundled premium pricing, which is slightly higher than other providers.
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower customer review scores, which fall below a 3-star average.
  • Availability and Service (4.7 out of 5): AHS earned a high score for its prompt claim process and 24/7 claims line.

Pros and Cons

Pros Includes roof-leak coverage with its highest plan Provides coverage for unknown preexisting conditions and damaged items Sets higher built-in system caps than other providers Cons Charges slightly higher monthly premiums than other providers Doesn’t offer appliance-only coverage plans like many other providers Offers less coverage flexibility than most providers, with only six add-ons

Plans and Cost

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum.

After reading the American Home Shield sample contract, we discovered the company includes a $5,000 coverage cap for systems, one of the highest in this review. Its highest plan, ShieldPlatium, includes roof-leak coverage as part of its standard coverage. Many home warranty companies only offer this as an add-on feature. The company also offers coverage for items with preexisting conditions and damage from rust, corrosion, and sediment.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver: This system-only plan includes major home systems, such as heating, cooling, and electrical.
  • ShieldGold: The next plan covers major systems and appliances, such as garbage disposals, plumbing,and water heaters.
  • ShieldPlatinum: The highest plan offers ShieldGold coverage and adds additional benefits, such as roof-leak repairs and HVAC tune-ups.

AHS charges slightly higher for its plans compared to other providers. Using AHS’s quote tool allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa.

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5,000

ShieldGold

$49.99–$59.99

$100–$125

Systems: $5,000

Appliances: $2,000

ShieldPlatinum

$79.99–$89.99

$100–$125

Systems: $5,000

Appliances: $4,000

American Home Shield provides the least add-ons with only six options. Based on our research, most providers offer at least eight. You’ll pay $10.00 monthly to add roof-leak coverage to your plan. Additional add-on selections include the following items:

  • Electronics protection plan
  • Pools and built-in spa equipment  
  • Septic pumps

Our Experience With American Home Shield

One of our team members tested the AHS claims process and found it very efficient. He received a text and email confirmation immediately after submitting his online claim. The service technician connected him five minutes later to schedule a next-day appointment. Repairs took two hours, and he only paid the service call fee.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $44–$47

We recommend Select Home Warranty for budget-conscious homeowners looking for baseline home warranty protections. The company offers plans priced below $50 per month and free roof-leak coverage. 

How We Scored Select Home Warranty

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (3.7 out of 5): Select rated low for its coverage caps, which fall well below the industry standard.
  • Value (5.5 out of 5): Select earned a perfect score for its affordable premium pricing.    
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its low review scores across multiple third-party review sites.
  • Availability and Service (4.3 out of 5): Select scored lower in this category for its longer claims processing time frame.

Pros and Cons

Pros Includes a $3,000 HVAC system coverage cap Offers affordable premium prices below $50 per month Provides free roof-leak coverage with all plans Cons Charges multiple service fees even if there are multiple claims at the same time Doesn’t offer flexible service call fees like other providers Offers lower coverage caps than many competitors

Plans and Cost

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select stands out by offering roof-leak repair coverage in each protection plan. We also noted in Select Home Warranty’s sample contract that the company offers a generous $3,000 cap for HVAC systems but only $500 for all other items. These caps fall well below other reviewed companies and the industry standard.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care: The lowest plan covers major appliances only, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops.
  • Gold Care: This plan covers six major home systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork. 
  • Platinum Care: Its highest plan covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers, plumbing stoppages, and ceiling fans.

Select offers low-cost premiums for annual and monthly plans. The company charges a $60–$75 service call fee per claim, less than other providers. However, you cannot choose your service call fee. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only.

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select offers nine add-on options priced $9 and lower, well below most competitors. For example, you can add pool coverage for $8.33 per month versus $20 or more with other providers. However, coverage caps are lower than other providers with $400 of protection. Select add-on coverage options include the below items:

  • Central vacuums
  • Septic pumps 
  • Stand-alone freezers

Our Experience With Select Home Warranty

After speaking with Select customer service representatives, we learned that Select prefers resolving plan issues and processing claims over the phone. We also discovered that Select chooses a service technician from its network of contractors. If no technicians are in your area, the company will let you choose your own. However, Select must approve the choice before the repair process begins.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $42–$82

We recommend First American Home Warranty if you own high-end appliances due to its high appliance coverage caps. The company also offers a suite of add-ons plus a plan upgrade that covers miscellaneous fees home warranties typically don’t cover.

How We Scored First American Home Warranty

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.7 out of 5): First American scored well for its high appliance and unlimited systems coverage caps. 
  • Value (4 out of 5): First American lost points for its slightly higher service call fees. 
  • Trustworthiness and Transparency (4.8 out of 5): The company scored well for its excellent reputation and 3-star average customer reviews. 
  • Availability and Service (4.3 out of 5): First American lost points for its restrictive service technician policy.

Pros and Cons

Pros Covers preexisting conditions with First American Advantage upgrade Includes up to $7,000 appliance cap on its highest plan Provides unlimited coverage caps on most home systems Cons Covers air conditioning only as an add-on in the Starter Plan Offers a smaller coverage area, with only 33 states included Omits some essential home system coverage from its basic plan

Plans and Cost

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. Our team reviewed First American’s sample contract and noted that although most systems receive unlimited caps, water heaters max out at $1,000. Some essential home systems and appliances, such as air conditioners and clothes washers and dryers, don’t come with the Starter Plan’s basic coverage. You can add central AC coverage as an add-on, but you must choose a higher plan for washer and dryer protections.

You can also add the First American Upgrade to the Essential and Premium plans for added protection for preexisting conditions.

Here are more details about First American’s plan coverage:

  • Starter Plan: The lowest plan offers appliance and system coverage for some major items, such as built-in microwaves, heating systems, and refrigerators.
  • Essential Plan: The next plan tier includes Starter Plan items, plus air conditioning, ceiling/attic/exhaust fans, and clothes washers and dryers.
  • Premium Plan: The highest covers all items in the Essential Plan, plus luxury appliances, roof leaks, and window air conditioning units

First American premiums are slightly higher, with pricing closer to American Home Shield. It offers $75, $100, or $125 service call fees for better pricing customization. Our sample quote included the highest service fee, which helped lower our premium costs.

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42.00–$57.00

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57.00–$67.00

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$67.00–$82.00

$75–$125

Systems: Remain the same Appliances: $7,000

First American includes 12 add-on options, including roof-leak protection for $8.33 per month, lower than some providers. Expect to pay $8.33 per month when adding roof-leak coverage for the Starter Plan and Essential Plan. You can add the First American upgrade to the Essential and Premium Plan at no charge.

First American offers the following add-on coverage:

  • HVAC tune-ups
  • Up to three additional refrigerators
  • Up to two pools/spa equipment

Our Experience With First American Home Warranty

A team member used First American to repair a broken garage door opener. After submitting his online claim on a Friday, he received a text with his technician’s information 30 minutes later. The technician contacted him to set a repair appointment for the following Monday. Repairs took less than 30 minutes, and he only paid the service call fee.

AFC Home Club

Best for Customization
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $38–$64

We recommend America’s First Choice Home Club (AFC Home Club) for homeowners seeking a more personalized home warranty package and pricing. The company offers four coverage plans, three service fees, and 13 add-ons for better plan variety.

How We Scored AFC Home Club

We scored AFC Home Club 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.3 out of 5): AFC Home Club lost points for its depreciated value policy, which reduces coverage caps for older items. 
  • Value (4.5 out of 5): AFC Home Club scored high for its plan variety and flexible service fees. 
  • Trustworthiness and Transparency (4.8 out of 5): AFC Home Club scored well for its plan-lenth workmanship guarantee.  
  • Availability and Service (5 out of 5): The company earned a perfect score for its flexible service technician policy, allowing you to choose your own technician.

Pros and Cons

Pros Backs its repairs with an unlimited workmanship guarantee Includes unique perks such as identity protection and credit monitoring Offers four coverage plans, more than most providers Cons Excludes coverage for unknown preexisting conditions Reduces caps for items five years and older Requires claim submissions at least one day after noticing a problem

Plans and Cost

AFC Home Club offers a portfolio of four plan options: a Platinum Plan, a Gold Plan, a Silver Plan, and a Systems Plan. We looked through AFC Home Club’s sample contract directory and learned that you could add free roof-leak protection on every plan. The company covers up to $3,000 for appliances and offers varying system coverage. However, the fine print states that the company only pays up to an item’s depreciated value if it’s older than five years. It covers all repairs and replacements with a plan-length workmanship guarantee.

Here are details on each plan offered by AFC Home Club:

  • Silver Plan: This appliances-only plan covers essential appliances, such as clothes washers and dryers, garbage disposals, and dishwashers.
  • Systems Plan: This system-only plan includes air conditioning, heating, water heaters, plumbing, and other major home systems. 
  • Gold Plan: The next plan tier includes Silver and System Plan coverage, offering more comprehensive protection. 
  • Platinum Plan: This highest plan includes all items and systems included with the Gold Plan, plus built-in microwaves, ice makers, and plumbing stoppages.

AFC Home Club offers midrange pricing for its plans. The company allows you to choose a $75, $100, or $125 service call fee. The lower service call fee raises your monthly premium and vice versa. It’s one of the few companies to offer multiyear plans for up to three years of protection.

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$38.33–$43.58

$75–$125

$3,000

Systems Plan

$46.17–$51.42

$75–$125

Caps vary by system

Gold Plan

$54.08–$59.33

$75–$125

Systems: varies

Appliances: $3,000

Platinum Plan

$59.33–$64.58

$75–$125

Systems: varies

Appliances: $3,000

AFC Home Club offers 13 different add-ons priced higher than most reviewed competitors. The lowest coverage begins at $25 per month and runs as high as $150. You can add roof-leak protection to these plans at no extra cost.

Below are some add-on coverage options offered:

  • Double ovens
  • Hot water dispensers
  • Septic systems

Our Experience With AFC Home Club

After reviewing our sample contract, we learned AFC Home Club lets you pick your own contractor. Very few providers offer this benefit, preferring to use their own preapproved contractor network.

The company also offers unique membership perks not offered by other providers. These perks include free credit monitoring, emergency alert services, free identity monitoring, and dental, vision, and pet insurance.

Elite Home Warranty

Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $44–$58

We recommend Elite Home Warranty for homeowners needing flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee and 27 add-ons.

How We Scored Elite Home Warranty

We scored Elite Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 
  • Value (4.25 out of 5): We deducted points because the company only offers one service call fee option and charges a higher fee for high-end appliances.  
  • Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on Better Business Bureau (BBB) and other third-party sites.
  • Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t have an online quote tool.

Pros and Cons

Pros Includes a 90-day workmanship guarantee, three times the industry standard Offers three comprehensive standard plans Provides 27 add-ons, the second-largest catalog in this review Cons Charges higher service call fees for high-end appliances Excludes out-of-network contractors from workmanship guarantee Makes you call for a quote

Plans and Cost

Elite Home Warranty offers three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. It also provides a Customize Your Own policy, allowing you to add the exact item coverage you need. When reading through the Elite Home Warranty sample contract, we learned the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. However, claim limits vary among coverage items. For example, air conditioning systems receive up to $4,000, while electrical systems are capped at $2,000.

Below are the details of Elite’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, such as cooktops, clothes washers, and dishwashers. 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. 
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.

Based on our sample quotes, Elite Home Warranty charges a monthly premium around $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per item

Elite Systems

$49.99

$70

Varies per item

Elite Complete

$58.99

$70

Varies per item

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term.

We’ve highlighted some of Elite’s most attractive add-ons below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Geothermal heating and cooling systems

Our Experience With Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his high-end dishwasher. He received a call from an Elite claims specialist within 30 minutes and was given a next-day appointment. Although the technician needed to order parts, he returned the following Monday to successfully complete the repairs within an hour. Overall, the claim process was quick and effective despite needing a second visit to finish the repair.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

Cinch Home Services

Best Additional Perks
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $30–$56

We recommend Cinch Home Services for its added perks and unique coverage options. The company offers coverage for preexisting conditions and has a unique $500 home insurance deductible reimbursement with its highest plan.

How We Scored Cinch Home Services

We scored Cinch Home Services 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.4 out of 5): Cinch lost points for its limited add-on selection and lack of roof-leak coverage. 
  • Value (4.5 out of 5): Cinch lost points for its higher service call fees.  
  • Trustworthiness and transparency (4.8 out of 5): Cinch scored high for its 180-day workmanship guarantee, six times longer than the industry standard. 
  • Availability and service (4.6 out of 5): Cinch received high scores for its efficient claims response time, typically within 24 hours.

Pros and Cons

Pros Covers items damaged by rust and corrosion Includes a generous $10,000 annual coverage cap for all covered items Provides a $25 air conditioner or water filter credit with each plan Cons Charges slightly higher service call fees than competitors Does not offer roof-leak coverage Offers a short list of add-ons limited mostly to pools and spas

Plans and Cost

Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. After reading through Cinch Home Services’ sample contract, we found the company sets its coverage caps at $1,500 for central air conditioning and $1,000 for plumbing systems. These caps are lower than the $2,000 industry standard. Our research shows the company’s annual coverage limit is $10,000. When you file a claim, Cinch subtracts these amounts from the policy’s annual coverage limit.

Here are more details about Cinch Home Services’ plans:

  • Appliances Plan: This appliance-only plan covers 12 appliances, such as built-in food centers, freestanding ice makers, and refrigerators. 
  • Built-In Systems Plan: The next plan protects 16 built-in systems, such as water heaters, air conditioners, and jetted tubs.
  • Complete Home Plan: The highest plan offers comprehensive appliance and system protection, plus up to $500 per term for a homeowners insurance deductible reimbursement

Like American Home Shield, Cinch Home Services doesn’t offer an annual premium option.

Although the company has midrange premium pricing, its service fees are slightly higher at $100, $125, and $150.

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliances Plan

$30.99–$40.99

$100–$150

$2,000

Built-In Systems

$35.99–$47.99

$100–$150

Varies from $500–$3,000

Complete Home

$44.99–$56.99

$100–$150

Same coverage caps apply

Cinch Home Service only offers six add-ons, the same as American Home Shield. However, three options focus on pool and spa-related coverage. Add-on pricing ranges between $4.58 and $22.00 per month. We’ve listed a sample of Cinch’s add-ons below:

  • Pools
  • Septic tank/pumping
  • Well pump

Our Experience With Cinch Home Services

When reviewing our sample contract, we noticed that Cinch Home Service offered additional perks that were uncommon for home warranty providers. Most home warranty companies don’t offer credits for maintenance items or reimbursement for your homeowners insurance deductible. However, Cinch excludes roof-leak coverage from its baseline plan and add-ons. Most providers offer some form of roof protection coverage.

2-10 Home Buyers Warranty

Cheapest Appliances Plan
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $27–$70

We recommend 2-10 Home Buyers Warranty (2-10 HBW) for homeowners that need low-priced, appliance-focused coverage. Each plan comes with an unlimited workmanship guarantee and access to 24/7 emergency services.

How We Scored 2-10 Home Buyers Warranty

We scored 2-10 Home Buyers Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (4.3 out of 5): 2-10 HBW lost points for its varied coverage caps, which fall below other providers. 
  • Value (5 out of 5): 2-10 HBW received a perfect score for its affordable premiums and service call fee flexibility. 
  • Trustworthiness and Transparency (4.8 out of 5): 2-10 HBW scored high for its plan-length workmanship guarantee and A- rating with BBB. 
  • Availability and Service (4.3 out of 5): 2-10 HBW lost points for charging a processing fee on monthly premiums and limiting service technician options. 

Pros and Cons

Pros Includes 24/7 emergency services with every plan Offers an add-on that raises coverage caps to $5,000 Provides a plan-length workmanship guarantee Cons Charges a 9.4% processing fee for monthly premiums Excludes baseline washer and dryer coverage from its lowest appliance plan Provides a limited service contractor network

Plans and Cost

2-10 HBW offers three home warranty coverage plans for homeowners: Simply Kitchen, Complete Home, and Pinnacle Home. While reading the 2-10 Home Buyers Warranty sample contract, we learned the provider offers unique perks, such as an appliance color match and its “Even If” Service Fee Guarantee. The “Even If” guarantee refunds your service call fee upon your request if 2-10 labels your issue ineligible for coverage. The Luxury package add-on extends coverage limits to $5,000 for many items.

You can compare 2-10’s monthly prices below:

  • Simply Kitchen: This appliance-only plan covers kitchen appliances, such as built-in microwaves, cooktops, and refrigerators with ice makers.
  • Complete Home: This plan includes Simply Kitchen items and adds home systems, such as air conditioning, electrical, and heating.
  • Pinnacle Home: Its highest plan includes the Complete Home protection and adds more items, such as clothes washers and dryers and fire alarms.

The company offers midrange premiums compared to other reviewed providers. When reviewing our sample quote, we learned that  2-10 Home Buyers Warranty adds a 9.4% processing fee for monthly premiums. This fee does not appear when you select an annual option. Other home warranty providers don’t include such fees with their premiums. You can select a $65, $85, or $100 service call fee with your plan.

Plan

Monthly Cost

Service Fee

Coverage Cap

Simply Kitchen

$27–$36

$65–$100

Varies from $500–$2,000

Complete Home

$47–$56

$65–$100

Varies from $500–$2,000

Pinnacle Home

$61–$70

$65–$100

Coverage caps remain the same

2-10 Home Buyers Warranty includes 21 plan add-ons with competitive pricing ranging from $4–$30 monthly. You can add $1,000 of roof-leak coverage for $8.00, priced lower than many competitors. The Luxury add-on upgrade adds $6 per month to your premiums. Here are additional add-ons available from 2-10 HBW: 

  • Extended pipe-leak 
  • Saltwater pools
  • Up to two additional pools

Our Experience With 2-10 Home Buyers Warranty

Our sample quote revealed a unique policy regarding service contractors. If 2-10 Home Buyers Warranty cannot find one of its approved technicians in your area, you may choose your own contractor. However, you must obtain 2-10’s approval before authorizing any repairs. Additionally, if you opt for your own technician, you’re responsible for paying any rate difference above what 2-10 would have paid to its contracted provider.

ARW Home

Affordable Service Call Fees
4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $45–$84

We recommend ARW Home (formerly known as American Residential Warranty) for homeowners that need affordable, comprehensive coverage with lower service fees. The company offers service fees as low as $55 and provides comprehensive protection for under $70.

How We Scored ARW Home

We scored  ARW Home 4.0 out of 5 stars in our review standards. Here’s how we rated it in key categories.

  • Coverage (3.4 out of 5): ARW Home lost points for its limited plan protections and add-on selection.
  • Value (4 out of 5): We deducted points for its slightly higher pricing and inflexible service fee policy.
  • Trustworthiness and Transparency (4.5 out of 5): ARW Home scored well for its A rating with the BBB and positive customer review scores. 
  • Availability and Service (4.6 out of 5): ARW earned a high score for its flexible service technician policy.

Pros and Cons

Pros Doesn’t impose age limits on covered items Offers service technician flexibility Provides specialty and comprehensive plan options Cons Doesn’t provide clear coverage caps for its plans Offers fewer add-ons than any other reviewed provider Priced slightly higher than other providers

Plans and Cost

ARW Home offers three coverage plans: Appliance Max, System Max, and Total Max. The provider partners with multiple companies, such as ADT, Amynta, Asurion, GE Appliances, Ironwood, and Lowe’s. Because ARW Home underwrites with numerous companies, the company doesn’t provide a sample contract. Each company has separate terms and policies. Based on our research, we discovered ARW Home includes an annual $5,000 per term, significantly lower than other providers.

Compare ARW Home’s monthly prices and coverage options below:

  • Appliance Max: The appliance-only plan covers eight major appliances, such as built-in microwaves, garbage disposals, and refrigerators. 
  • Systems Max: The next plan protects seven essential home systems, such as central air conditioning, heating, and plumbing. 
  • Total Max: The highest plan includes the Appliance and Systems Max plans, plus additional items, such as humidifiers, ceiling fans, and garage door openers.

ARW Home’s pricing falls slightly higher than other providers, with its highest pricing close to American Home Shield and First American. Based on several sample contracts we reviewed, ARW Home service fees range between $55 and $100. The company also doesn’t disclose its service fees in online quotes. Your fee is assigned once you complete your sign-up.

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Max

$45.99

$55–$100

Varies by provider

System Max

$59.99

$55–$100

Varies by provider

Total Max

$84.99

$55–$100

Varies by provider

ARW Home offers one of the smallest add-on catalogs in this review, with only four options available for its highest plan. The Appliance Max and Systems Max plans include just three options. Pricing ranges from $10.99–$24.99 per month for additional coverage. The company offers an Ultimate Electronics protection plan that includes laptops, gaming systems, printers, and other essential items.

Below is a full list of available add-on options from ARW Home:

  • Pool (available with the Total Max plan only)
  • Sewer line
  • Water line 
  • Ultimate Electronics

Our Experience With ARW Home

During our research, we learned that ARW Home offers more flexibility with its service technicians than other providers. Although the company does use a network of preapproved technicians, you have the option to choose your own provider. However, ARW must approve your chosen technician before repairs begin.


Which Home Warranty Companies Didn’t Make the List?

When we narrowed down our list of top home warranty providers, we eliminated some companies based on their limited plan selection, coverage, and availability, as well as their reputations. 

We don’t recommend questionable home warranty companies, such as Choice Home Warranty, for homeowners. Below are some reputable home warranty providers that didn’t make our list but are still viable options for homeowners with specific coverage needs.

The Home Service Club (HSC)

The Home Service Club only offers two coverage plans, with coverage caps as low as $500 and assigned service call fees. The company currently holds a C rating with BBB and offers limited hours for its claims line. However, you might consider HSC if you need affordable premiums under $65 backed by an extended 90-day workmanship guarantee.

HomeServe

HomeServe has 17 coverage plans with system-only protection and no add-ons. Plan availability and exclusion vary by area and offer differing coverage caps per system. However, the company doesn’t charge service call fees for most of its plans and includes a year-long workmanship guarantee. HomeServe works best for homeowners seeking specific coverage for one or two essential systems.

America’s Preferred Home Warranty (APHW)

America’s Preferred Home Warranty provides limited plan options, offering two plans made for single and multifamily homes only. The company has few service fee options, and its lowest plan includes a $125 service call fee. In addition, the company offers a 30-day workmanship guarantee for home-systems only. APHW may be a good option for budget-conscious homeowners needing system-only coverage for under $60.


How To Choose a Home Warranty

Choosing a home warranty company requires careful research and assessments to ensure the company meets your needs. We’ve provided the following steps below to aid in your home warranty shopping.
Determine your coverage needs: Assess your current appliances and systems to determine which ones need the most coverage. While newer items won’t need immediate servicing, older items may require more frequent repairs.
Plan your budget: Consider how much you can spend for monthly and annual premiums. These costs should include potential add-ons and service call fees. 
Confirm availability: Research available home warranty companies in your area and confirm coverage for your area or ZIP code. We also recommend verifying each company’s technician’s network and available technicians in your area. 
Request multiple quotes: We recommend getting quotes from at least three providers. You should compare coverage plans, costs, add-on pricing, and technician policies.
Read sample contracts: Review sample contracts for coverage caps, exclusions, add-on limits, and coverage details. Meenan suggests choosing a home warranty company that provides easily accessible sample contracts with excluded items clearly listed. 
Check customer reviews: Read feedback on third-party review sites to gauge customer satisfaction and experiences. You should also consult friends, family, and neighbors about their home warranty providers and experiences.

Does a Home Warranty Cover Existing Problems?

Typically, home warranties do not cover existing conditions. However, American Home Shield is an exception, as it’s home warranty plans do cover items with pre-existing conditions. You can read our American Home Shield review to learn more.

How Can You Avoid Home Warranty Scams?

As you shop for home warranty companies, you may come across fraudulent or untrustworthy providers. If you notice one or more of the following warning signs, the potential home warranty provider might be a scam.

  • Aggressive sales tactics: Be wary of any providers using high-pressure sales tactics, making unsolicited calls, or pitching door-to-door. These pushy salespeople try to force you into making a quick decision. 
  • Negative reviews and complaints: We recommend researching each company and checking third-party online reviews. Be cautious of any company with many negative reviews, complaints, or legal issues.
  • Poor communication: Untrustworthy companies will limit communication by offering one or two contact methods and maintaining limited office hours. Delayed or unanswered calls and emails could also indicate a poor home warranty company. 
  • Unclear contract terms: Check for any ambiguous or vague contract terms, such as coverage caps, exclusions, and other crucial details. Reputable home warranty companies provide contracts with transparent policies and terms. 
  • Unusual payment requests: Be mindful of any company asking for large up-front payments or unusual payment methods. Respectable providers will offer monthly and annual premiums instead.

How Are Home Warranties Regulated?

Each state independently regulates home warranties and service contract licensure. For example, the Department of Licensing and Regulation handles service contracts in Texas. Arizona’s Consumer Protection Division of the Department of Insurance regulates home warranties in that state. 

Many states have rules based on the Service Contract Model Act that the SCIC and National Association of Insurance Commissioners (NAIC) promoted to state legislatures. Since 1988, the SCIC has worked to promote industry regulation nationwide. Regulation ensures your home warranty company is financially sound and can fulfill its promises. State regulations also ensure various consumer protections, such as the following measures:

  • Contracts that are clear and use easy-to-read print
  • Extensive disclosures of what is covered and excluded
  • The ability to cancel and receive a full refund within a certain period (typically 30–45 days)
QUICK Tip
While you’re shopping for a home warranty policy, it’s a good idea to check with your state’s regulatory body to confirm the company is licensed to operate where you live. You can also read through a sample contract. Many sample contracts have state-specific clauses that clarify the protections and exclusions you’re subject to.

How To Read Home Warranty Service Contracts

Although home warranty contracts vary, providers use similar policy terminology and provisions. As you review home warranty contacts, check for sections covering items, exclusions, and coverage limits. The tips below outline how to read and understand your home warranty company’s policy terms.

  • Check plan coverage: Look through the fine print to see if the provider includes all the home items you’d like protected. Most companies cover systems and appliances, but it’s important to confirm that your choice covers what you need.
  • Review exclusions: Your company will have certain instances or components that it won’t cover even on a covered item. Your home warranty company may exclude appliances and systems with preexisting conditions from coverage. Be aware of your company’s specific coverage exclusions and limitations to reduce denied claims and unwelcome surprises.
  • Understand the claims process: Find out what steps your home warranty provider takes to process claims. Confirm how soon it will send a service technician to your home after processing your claim. In addition, ask how long emergency claims or claims outside normal business hours take to process. 
  • Verify technician availability: Find out if the service providers it enlists are local to your area. Doing so can eliminate the headache of waiting for your warranty company to find an in-network technician. Chartrand recommends asking your company where it sources its service technicians. 
  • When in doubt, ask questions: Call your provider and ask a representative to clarify sections you don’t understand in the service contract. We recommend verifying plan length, renewal policies, and cancelation fees.
QUICK Tip
You should verify each company’s in-service technician network availability in your area. Our experts also recommend asking your company where it sources its service technicians. 

Home Warranty Cost Calculator

Our team created a calculator to break down a home warranty’s estimated annual cost. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Use the table below to compare your calculated cost to repair and replacement costs for common appliances.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Life span and repair cost data sourced from InterNACHI and Home Depot


FAQ About Home Warranties

What is a home warranty?

A home warranty is a service contract between you and a home warranty provider that covers repair and replacement costs for major appliances and systems. These plans help lower the costs of unexpected appliance or system breakdowns.

What’s the difference between home warranties vs. homeowners insurance?

Home warranties and homeowners insurance differ in their offered protections. Home warranties cover appliance and system breakdowns that result from normal wear and tear. Homeowners insurance covers structural damage to your home due to covered perils, such as theft, natural disasters, and fire.

What are common home warranty complaints?

The most common home warranty complaints include the following issues:

  • Inexperienced technicians
  • Long wait times for appliance or part replacements
  • Slow or refused claims payouts
  • Slow responses to complaints
  • Unclear coverage limits

These traits are the hallmarks of poor home warranty service and are not typical of every provider on the market. Before buying, we recommend asking questions about claim policies, wait times, and coverage limits to ensure you understand your home warranty company’s terms.

What is a service call fee?

A service call fee (or trade service call fee) is an out-of-pocket expense you pay to a home warranty company for a service call. Home warranty companies outline these fees in your home warranty plan and may offer a choice between two or more fee options. Service fees vary between home warranty providers, but typically range between $65 and $125 per service call.

Is a home warranty required to buy a new home?

A home warranty isn’t required to buy a new home, but we recommend getting coverage as an extra layer of financial protection on your important home systems and appliances. Many sellers offer a home warranty as an added perk for potential buyers.

How important is a longer workmanship guarantee?

A longer workmanship guarantee means a warranty will cover a previously repaired system or appliance past the 30-day industry standard. Typically, you are responsible for paying another service call fee if a repaired item breaks again after the workmanship guarantee window ends. Having an extended workmanship guarantee provides extra peace of mind and value for those with older systems and appliances.


How Can You Find the Best Home Warranty Company in Your Area?

Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.


We’ve compiled several easy-to-digest guides based on our extensive home warranty coverage research. Learn more below.

More on Home Warranties

Related to Home Systems

Related to Home Appliances

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.