Best Home Warranty Companies (March 2023 Guide)

• Response Time: 48 hours
• State Availability: 49 states (excluding Wisconsin)

Liberty Home Guard is the best customer-rated home warranty provider on this list, in part due to its A- rating* with the Better Business Bureau (BBB) and its 4.7 out of 5-star rating on Google Reviews. Our team spoke with multiple customer representatives to consider how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative answering the phone quickly and answering all our questions thoroughly.

*Ratings are accurate as of March 2023.

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with a flexible service call fee, LHG assigns a service call fee to your account based on your plan, add-on selections, and the location of your home. According to the company, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and come with a 60-day workmanship guarantee.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
• Optional Add-ons: Up to 38 options, including pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage

• Response Time: 48 hours
• State Availability: 48 states (excluding Alaska and Hawaii)

We rated AHS as having “Best for Comprehensive Coverage” due to its three coverage plans, flexible service fees, and an solid industry reputation. Additionally it applies a $3,000 limit per covered system and appliance in its ShieldSilver and ShieldGold plans, and AHS doubles its coverage caps to $6,000 per covered item in its ShieldPlatinum plan.

AHS plans provide extensive coverage, and even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers built-in systems and doesn’t impose a coverage cap. ShieldGold has a $3,000 coverage limit on home appliances and doesn’t include an HVAC tune-up. ShieldPlatinum raises that coverage limit to $6,000 per appliance, and it adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.

You can choose a service call fee of $100 or $125. AHS allows customers to choose the service fee they want to pay—a higher service fee will result in a lower monthly premium and vice versa. Compare the monthly costs of AHS’ plans below. All AHS’ plans come with a 30-day workmanship guarantee.

Here are details on the covered items in each of American Home Shield’s plans:

• ShieldSilver ($29.99–$39.99 per month): Covers home systems, such as heating, cooling, and electrical
• ShieldGold ($49.99–$59.99 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
• ShieldPlatinum ($79.99–$89.99 per month): Covers systems and appliances and includes additional benefits, such as $1,500 for roof-leak repairs
• Optional Add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps

• Response Time: 48 hours
• State Availability: 47 states (excluding Nevada, Wisconsin, and Washington)

Select Home Warranty is a great option if you’re looking for an affordable home warranty since all its plans are less than $50 per month and include roof-leak coverage (up to $400 annually) in each standard plan. Roof-leak coverage isn’t typically offered by home warranty companies without an additional fee.

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. HVAC systems are covered up to $3,000, and plumbing, electrical, and appliances are covered up to $500 per item. Select’s plans include a 30-day workmanship guarantee.

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

• Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
• Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
• Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage-door openers and ceiling fans
• Optional Add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps

Through our research, we discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select is difficult to get ahold off. Therefore, we recommend you carefully consider your needs and budget before signing up for Select Home Warranty.

• Response Time: 24 business hours
• State Availability: 49 states (excluding Hawaii)

Along with its flexible service call fee model, the variety of plans offered by AFC Home Club is ideal for homeowners who want a personalized home warranty package and pricing.

AFC Home Club offers a portfolio of four plan options: a Platinum Plan, Gold Plan, Silver Plan, and Systems Plan. AFC Home Club offers a flexible service call fee model with options at $75, $100, and $125. Appliances are subject to a $3,000 coverage cap, which is set for each built-in system separately based on its depreciated value. All repairs and replacements are protected by a plan-length workmanship guarantee.

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

• Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
• Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
• Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage-door openers
• Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
• Optional Add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair

• Response Time: 48 hours
• State Availability: 35 states (excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

What makes First American Home Warranty stand out is its generous appliance limits. First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. It also offers the First American Advantage upgrade in its Essential and Premium plans. This upgrade protects systems and appliances that were improperly maintained, modified, or installed—a rarity in the home warranty business.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. First American offers flexible service call fees ranging from $75 to $125. The coverage limit for appliances is set at $3,500 per item in its Starter and Essential plans, and its Premium Plan increases appliance limits to $7,000 per covered appliance. The company doesn’t outline hard limits for built-in systems coverage, except for water heaters. All covered repairs are protected for 30 days.

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

• Starter Plan ($47–$62 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, and refrigerators
• Essential Plan ($57–$72 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage-door openers, trash compactors, and water heaters
• Premium Plan ($72–$87 per month): Covers all items listed in the Essential Plan including full garage-door systems, instant hot water dispensers, and luxury appliance coverage
• Optional Add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps

• Response Time: 2 business hours or 24 hours outside business hours
• State Availability: 48 states (excluding Alaska and Hawaii)

Cinch Home Services brings a lot to the table, including its lengthy 180-day workmanship guarantee, which is significantly longer than the industry standard of 30 days. It also offers a unique $500 home insurance deductible reimbursement that comes with the Complete Home Plan. We recommend this provider to homeowners who want to get the most out of their plan with a lengthy reservicing guarantee.

Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. Cinch also offers a flexible service call fee model, and its options for service fees are $100, $125, and $150. Cinch’s workmanship guarantee is valid for 180 days (about six months) after the original repair date. The company sets its coverage caps at $1,500 for central air conditioning and $1,000 for plumbing systems, which will be subtracted from the policy’s total coverage limit of $10,000 for all covered items.

Here are more details about Cinch Home Services’ plans:

• Appliances Plan ($38.99–$48.99 per month): Covers appliances, such as clothes dryer, washer, built-in food center, freestanding ice maker, microwave, and refrigerator
• Built-In Systems ($43.99–$55.99 per month): Covers built-in systems, such as water heater, air conditioner, built-in trash compactor, smoke detector, and jetted tub
• Complete Home ($54.99–$66.99 per month): Covers all the items in the earlier plans, plus up to $500 per term for a homeowners insurance deductible reimbursement
• Optional Add-ons ($4.58 to $22 depending on the item): Pools, spas, pools with spas (heater included), septic tanks, well pumps, and a Premier Upgrade Package (increases limits up to $1,000 to help pay for unforeseen costs during a claim, such as debris removal or code upgrades)

• Response Time: 48 hours
• State Availability: 42 states (excluding Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota, and Wyoming)

Not only does 2-10 Home Buyers Warranty offer an affordable appliance plan, but its customizable service call fee, competitive add-on options, comprehensive policies, and easy-to-understand coverage caps make it a worthwhile consideration for any homeowner.

2-10 Home Buyers Warranty offers three plan options: Simply Kitchen, Complete Home, and Pinnacle Home. Simply Kitchen covers appliances, such as your range, dishwasher, and built-in microwave. Complete Home covers all the items in the Simply Kitchen plan, plus six built-in systems. Pinnacle Home is 2-10’s most comprehensive policy, and it covers all the items in the previous plans, plus concrete or encased systems, disposal fees, crane costs, and more.

2-10 offers a flexible service call fee model, which means you can select a $65, $85, or $100 service call fee. Like other companies with flexible service call fees, the higher your service call fee, the lower your monthly fees will be.

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

• Simply Kitchen ($22–$31 per month): Covers appliances, including built-in microwave, cooktop, dishwasher, oven, range, and refrigerator with ice maker
• Complete Home ($51–$60 per month): Covers appliances and home systems, including all the items in the Simply Kitchen plan, plus air conditioning, electrical, heating system, interior gas lines, plumbing, electrical, and thermostats
• Pinnacle Home ($65–$74 per month): Covers all the items in the two earlier plans, plus attic and bathroom exhaust fans; burglar and fire alarms; concrete encased or concealed water lines; concrete encased or concealed wiring; cosmetic appliance parts; crane costs; electrical cut-off switches; faucets and faucet handles; filters, gas, waste, and vent piping leaks or breaks in the plumbing system; haul away/disposal fees; interior and exterior hose bibbs; PEX manifold plumbing system; refrigerant recovery and recharge up to $150; shower heads, shower arms and tub spouts; and washer and dryer
• Optional Add-ons: Additional freestanding freezer, additional refrigerator, extended pipe leak, garage-door opener, HVAC surplus, luxury package (increases coverage limits), pool and spa, preseason HVAC tune-up, roof leak, septic system, washer and dryer, water softener, and well pump

• Response Time: 12 business hours
• State Availability: 49 states (excluding Wisconsin)

The Home Service Club lost points due to charging a $55 transfer fee plus a lack of a free cancellation period. Most providers offer a free cancellation period and a no-fee transfer of ownership policy. That said, HSC offers comprehensive home systems and appliance coverage with more than 40 home items, plus a 90-day workmanship guarantee for parts and 30 days for labor.

The Home Service Club offers two coverage plans: the Standard and Comprehensive plans. The Standard plan covers a variety of major systems and appliances, such as air conditioning, plumbing systems, dishwashers, and microwaves. The Comprehensive plan covers everything in the Standard, plus additional items such as alarm wiring and ductwork.

HSC includes a $2,000 coverage cap for air conditioning and heating systems. However, other systems, such as electrical and plumbing, are limited to $500 and $750, respectively. HSC also limits appliances to less than $1,000 per covered appliance.

HSC includes its standard $95 service call fee for each plan. Compare HSC’s plan costs and coverage details below:

• Standard ($51.25 per month): Covers a mix of essential home systems and appliances, such as electrical systems, water heaters, refrigerators, and cooktops
• Comprehensive ($62.50 per month): Covers all systems and appliances mentioned above plus additional coverage for gas and water leaks, ductwork, sump pump, smoke detectors, water dispensers, whirlpool motors, alarm and telephone wiring
• Optional Add-ons: Additional dishwasher, freezer, oven, range, cooktop, microwave, refrigerator and water heater, jetted bathtubs, plumbing sprinkler, pool and spa equipment, roof coverage, refrigerator dual compressor, second freezer, service line, sewage ejector pump, spa and spa heater, water softener, and well pump

• Response Time: 24–48 hours
• State Availability: 50 states

ARW Home offers one of the lowest service call fees in the industry, a range of customizable plans, comprehensive electronics coverage as an add-on, and coverage for items other providers exclude, such as humidifiers and food spoilage.

ARW Home provides five protection plans for your home systems and appliances: Kitchen Plus, Heating and Cooling, Platinum, Platinum Premier, and 4-in-1 Bundle plans. Its Kitchen Plus plan covers standard kitchen appliances, such as refrigerators. The Heating and Cooling plan protects humidifiers, heating, cooling, and electrical systems. The Platinum plan bundles the plans mentioned above, and the Platinum Premier plan adds plumbing systems coverage and more to the mix. Its 4-in-1 Bundle includes all the coverage options above plus optional add-on packages, such as its Ultimate Electronics Protection plan.

ARW Home pairs all plans with its standard $55 service call fee, which is lower than most providers’ service call fees.

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

• Kitchen Plus ($39.99 per month): Covers six kitchen appliances: cooktops, refrigerators, dishwashers, built-in microwaves, garbage disposals and kitchen exhaust fans. Also covers water heaters and interior electrical systems.
• Heating and Cooling ($43.78 per month): ARW Home’s basic plan. It covers heating and cooling systems, humidifiers, and interior electrical systems.
• Platinum ($54.50 per month): Covers everything in the Kitchen Plus and Heating and Cooling plans. The Platinum plan is available without air conditioning coverage, which lowers your monthly premium.
• Platinum Premier ($64.99 per month): Covers everything in the Platinum plan plus plumbing systems, ductwork, garage-door openers, and ceiling fans. The Platinum Premier plan is also available without air conditioning coverage if you wish to lower your monthly cost.
• 4-in-1 Bundle: ($129.99 per month): 4-in-1 Bundle is ARW Home’s most comprehensive plan. It includes all the items mentioned above, plus clothes washers, dryers, sewer and water line stoppage coverage, as well as stand-alone add-on packages, such as the Ultimate Electronics Protection and Deluxe Advantage plans.
• Optional Add-ons: Clothes washer and dryer, swimming pool and spa, swimming pool only, spa only, plumbing system (does not include fixtures or clogs), additional air conditioning system, additional central heating system, second refrigerator or freezer (does not include ice maker), food spoilage, ceiling fans, ice maker (in refrigerator or stand-alone), water heater, range, oven or cooktop, AC Advantage for refrigerant and coils, Plumbing Advantage for fixtures, Deluxe Advantage Package, and Ultimate Electronics Protection.