We selected Choice Home Warranty as our top recommendation for the cheapest home warranty company, offering combined system and appliance coverage for under $70 per month. Elite Home Warranty is another budget-friendly choice, allowing you to customize a plan that fits your specific needs and budget.
Cheap home warranty coverage can help protect homeowners from costly repairs on essential appliances and systems by keeping expenses manageable. Keep reading to see our full list of cheap home warranty companies and find the best coverage for your needs.
Key Takeaways
- We chose Choice Home Warranty as the best budget-friendly option offering one of the lowest combined plans with generous $3,000 coverage limits.
- Home warranties typically cost $47–$82 per month, but budget-friendly options can sometimes start at $40 or lower.
- In our 2025 survey of 2,000 home warranty customers nationwide, only 25% of shoppers prioritized cost, while 58% chose plans based on the coverage.
Top Cheap Home Warranty Companies
We evaluated 13 of the best home warranty companies and selected the following five providers as the most budget-friendly options:
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Flexible Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
- Select Home Warranty: Best Budget Plan Option
Comparing the Cheapest Home Warranty Companies
The table below compares the cheapest home warranty companies, comparing overall scores from our analysis, plan costs, Better Business Bureau (BBB) ratings, and repair guarantees. To estimate nationwide home warranty pricing, we analyzed more than 4,000 quotes from 13 companies in every U.S. state. Quotes included homes both below and above 5,000 square feet, which allowed us to calculate national median ranges.
| Provider | Our Score (Out of 5) | Monthly Plan Cost* | Service Call Fee | BBB Rating** |
|---|---|---|---|---|
$57–$68 | $65–$125 | A+ | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$44–$82 | $75–$125 | B | ||
$44–$48 | $60–$75 | B- |
Note: Pricing may vary depending on your location, home details, and your chosen plan.
The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025. A “No Rating” or “NR,” indicates the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Our Reviews of the Cheapest Home Warranty Companies
In our reviews of the cheapest home warranty companies, we focused on key factors such as offering low monthly plan costs, competitive service call fees, and coverage value. While many providers offer similar pricing structures, we highlighted differences in plan flexibility, coverage options, and any hidden fees that can impact the overall cost for homeowners.
Choice Home Warranty
Coverage Overview
- Backs repair with a 90-day guarantee on parts and 60 days for labor
- Includes a $3,000 coverage limit for most items
- Offers comprehensive coverage for less than $70 per month
Keep in Mind
- Doesn’t offer service call fee flexibility, charging $100 for all repairs
- Excludes several key systems and appliances from its lowest-tier plan
Our Review
Choice Home Warranty balances affordability and solid coverage limits with two comprehensive plans priced under $70 per month. While Select Home Warranty offers cheaper plans, Choice offers higher coverage limits at $3,000 per item, which can help homeowners better handle costly repairs. Choice also includes a 90-day parts and 60-day labor guarantee, covering repeat issues without additional service fees. This added protection can save you money and ensure confidence in the quality of repairs.
However, Choice has some notable limitations. The company’s lower-tier Basic Plan excludes air conditioning systems, refrigerators, and clothes washers and dryers, requiring customers to upgrade to the more expensive Total Plan for these items. Choice is also currently involved in a consumer fraud lawsuit filed by the Arizona Attorney General. Before committing to any home warranty company, we recommend thoroughly researching the provider and reviewing a service contract.
Plan Details and Cost
Our review found that Choice Home Warranty’s Basic Plan offers the most savings based on monthly costs. Here’s an overview of each available plan:
- Basic Plan ($60 per month): The company’s lowest comprehensive plan, which covers six home appliances and eight systems, such as heating systems, garbage disposals, and dishwashers.
- Total Plan ($68 per month): This plan covers nine home appliances and nine systems, including air conditioning, clothes washers and dryers, and refrigerators.
According to a Choice Home Warranty sample contract, coverage limits remain the same for both plans, with caps of $3,000 for all items. The company charges a flat $100 service call fee for repairs, whereas other providers may offer multiple rates, allowing for more control over pricing. Flexible service call fees can also lower monthly costs if you choose a higher fee.
Choice offers 10 add-on options, priced between $5 and $15 per month, which is midrange compared to other providers we’ve reviewed. This catalog is average, as most providers offer 8–12 options. However, coverage limits for add-ons range from $250–$500, which is lower than those offered by providers such as Elite Home Warranty.
We’ve highlighted a few add-on options below:
- Central vacuum
- Limited roof leak
- Pool and spa
- Second refrigerator
- Septic tank pumping
Elite Home Warranty
Coverage Overview
- Includes a 90-day workmanship guarantee with its repairs
- Offers three specialized plans under $60 per month plus a fully customizable option
- Provides over 30 add-on options to help customize your coverage
Keep in Mind
- Sets an overall $15,000 limit on annual claims payouts
- Charges a higher $150 service call fee for certain repairs
Our Review
Elite Home Warranty is the only provider in this review that offers a fully customizable plan. This means you can select the exact systems and appliances you want covered, helping to keep costs down. Or, the company’s predefined plans offer appliance-only, system-only, or comprehensive protection, making it easier to choose the coverage you need. In addition, you can customize your plan further with a catalog of over 30 add-on options, additional sewer line coverage, and upgrades to appliance and system coverage limits.
Elite offers a $15,000 aggregate or overall limit per plan term, setting clear limits for system and appliance repairs. This allows homeowners to understand how much coverage they have for repairs over the course of a year. However, we recommend that homeowners looking for cheaper home warranty plans carefully consider these limits. While low premiums might seem attractive upfront, you could face additional costs if you have an item that needs multiple or major repairs over your plan term, especially if the total costs exceed the $15,000 overall limit.
Plan Details and Cost
Elite offers three plan options for homeowners, with Elite Appliances offering the cheapest coverage option. Here’s an overview of the company’s available plans:
- Elite Appliances ($45 per month): This appliance-only plan covers 10 appliances, such as ceiling fans, built-in microwaves, and cooktops.
- Elite Systems ($50 per month): The system-only plan includes eight systems, including heating, cooling, and electrical systems.
- Elite Complete ($60 per month): The highest plan tier includes comprehensive protection, covering all 18 items from the previous two policies.
After reading through an Elite Home Warranty sample contract, we found that coverage limits vary by item, ranging between $250–$3,000 for appliances and $250–$5,000 for systems. While the company’s standard service call fee is $70, after-hour and weekend calls and repairs for high-end appliances and add-ons result in an increased $150 fee. These fees can increase overall repair costs for budget-conscious homeowners, especially for frequent or emergency calls.
Elite’s extensive catalog of over 30 add-ons offers coverage with limits ranging from $500–$7,000. However, add-on costs vary based on your location and selected plan, so we recommend requesting a sample quote to determine your exact pricing.
We’ve highlighted a few add-on options below:
- Guest house
- HVAC annual maintenance
- Limited roof patching
- Premium appliances
- Water heater annual maintenance
AFC Home Warranty
Coverage Overview
- Doesn’t cap coverage for HVAC systems and water heaters
- Includes a plan-length workmanship guarantee with its repairs
- Provides four plans and two service call fees for better budget customization
Keep in Mind
- Charges more for its highest comprehensive plan than other providers we’ve reviewed
- Offers low coverage limits for some major systems, including $500 in plumbing protection
Our Review
AFC Home Warranty offers extended protection for repeat repairs with its plan-length workmanship guarantee. This means you won’t pay additional service fees if an item needs additional repairs for the same issue, helping you save on repeat service calls. The company also doesn’t cap coverage for certain systems, including HVAC and water heaters, which could save you more over time if these items require frequent repairs.
However, the company falls short with its depreciation policy by reducing payouts for items five years and older. This can make AFC Home Warranty a less ideal choice for homeowners with aging systems and appliances, as you may pay more out of pocket for repairs and replacements. The company also sets lower coverage limits for some items, including plumbing and electrical, which could leave you with gaps in protection if you face major repairs in those areas.
Plan Details and Cost
AFC Home Warranty offers four plans—one covers appliances only, while the others cover a mix of systems and appliances. Homeowners can achieve the most monthly cost savings with the Silver Plan. Here’s an overview of each plan:
- Silver Plan (call for a quote): This appliance-only plan includes nine items, including cooktops, kitchen refrigerators, and ovens.
- Gold Plan ($44 per month): The lowest-tier combination plan includes nine appliances and six home systems, including your HVAC, electrical, and plumbing.
- Platinum Plan ($51 per month): The next plan level covers 10 appliances and nine home systems, such as built-in microwaves, faucets, and plumbing stoppages.
- Diamond Plan ($82 per month): The highest plan tier includes Platinum Plan coverage, plus protection for electronics and exterior water and sewer lines.
After reviewing AFC Home Warranty’s sample contracts, we found that coverage limits range from $150–$3,000 for appliances and $150–$500 for certain systems, including plumbing and electrical. AFC Home Warranty also stands out by allowing you to choose your own technician for repairs, which is an uncommon perk in the industry. Comparatively, most providers assign technicians from a pre-approved network. AFC Home Warranty’s policy gives you the flexibility to instead hire a trusted local professional for service calls.
AFC Home Warranty offers flexible service call fees of $75 or $125 per visit, allowing you to lower your premium by selecting a higher fee. The company also provides eight add-on options, priced between $2 and $21 per month in value, but billed annually instead of monthly. Coverage limits for these add-ons range from $150–$500.
Here are a few examples of available add-ons:
- Electronics
- In-ground pool
- Standalone freezer
- Sump pump
- Well pump
Liberty Home Guard
Coverage Overview
- Includes a 60-day workmanship guarantee, which is double the industry standard length
- Offers three specialized coverage plans for more tailored protection
- Provides 42 add-on options priced as low as $3 per month
Keep in Mind
- Limits electrical and plumbing systems with a $500 cap
- Varies service call fee rate based on your location, plan, and add-on choices
Our Review
Budget-conscious homeowners with unique coverage needs may appreciate Liberty Home Guard. With three specialized plans priced under $70 per month, Liberty Home Guard offers a solid $2,000 coverage cap for most items. The company also provides a range of 42 add-on options, a benefit for homeowners looking to customize their coverage to fit specific needs, such as additional protection for appliances, plumbing, or sewer lines. This flexibility allows homeowners to tailor their plans while staying within budget.
However, Liberty’s coverage for electrical and plumbing systems is capped at $500, which may not cover more extensive repairs. The company’s service call fee also varies based on your location, plan, and selected add-ons, making it harder for homeowners to predict exact out-of-pocket costs. While the company’s low pricing is appealing, these trade-offs could affect homeowners with higher repair needs or those seeking more consistent rates.
Plan Details and Cost
Liberty Home Guard offers three plans to protect your home. Appliance Guard offers the lowest monthly costs. Here’s an overview of all plan options below.
- Appliance Guard ($57 per month): The company’s appliance-only plan covers nine key items, including exhaust fans, kitchen refrigerators, and garage door openers.
- Systems Guard ($63 per month): With this system-only plan, you get protection for six systems, such as electrical, heating, and plumbing.
- Total Home Guard ($68): If you need a complete home protection plan, this comprehensive plan includes all 15 items listed above.
The Liberty Home Guard sample contract states that the company offers a $2,000 coverage limit for most items. However, electrical and plumbing systems only include $500 limits, which falls below many other competitors, including Choice Home Warranty and Elite Home Warranty. Liberty Home Guard assigns a service fee between $65 and $125 based on your plan, location, and add-ons, rather than letting you choose your rate. Most home warranty companies offer multiple service fee options for more pricing flexibility.
Pricing for the company’s 42 add-on options ranges from $4–$36, depending on the coverage. While some items have a listed $500 limit, the company doesn’t include specific coverage limits for other add-ons. We recommend speaking with Liberty Home Guard to clarify any unlisted coverage limits and ensure you have the details needed for your plan.
Check out the add-on options we’ve highlighted below:
- Carpet cleaning
- Electronics protection
- Limited roof leak
- Pro-series washing machine
- Sump pump
Select Home Warranty
Coverage Overview
- Covers HVAC systems with a $3,000 limit
- Includes three plans priced below $50 per month, the lowest cost in this review
- Offers free roof-leak coverage with every plan
Keep in Mind
- Doesn’t disclose service call fees during the quote process, similar to Liberty Home Guard
- Limits coverage for appliances and select systems to $500, which is lower than some competitors
Our Review
Select Home Warranty is a good option for homeowners who want baseline coverage for their home. With three plans priced below $50 per month, it’s the most budget-friendly provider in this review. Select also stands out by offering coverage for roof-leak repairs with every plan, providing this extra protection at no additional cost. Homeowners needing HVAC systems coverage may also appreciate the $3,000 limit on these units, which is higher than companies such as Liberty Home Guard.
However, there are some trade-offs to consider for the lower cost. While Select’s low premiums make it a highly affordable choice, protection for most appliances and select systems is capped at just $500, which may not cover costly repairs. Additionally, the company doesn’t disclose service call fees during the quote process, which can lead to unpredictable costs, similar to Liberty Home Guard. This lack of transparency, along with the lower coverage caps, may not suit homeowners with higher repair needs or those seeking more comprehensive protection.
Plan Details and Cost
Select offers two plans that cost $44 per month each: one covers appliances, and the other focuses on systems. Below, we detail all three plan options:
- Bronze Care ($44 per month): This appliance-only plan includes eight appliances, such as stoves, clothes washers, and refrigerators.
- Gold Care ($44 per month): This system-only plan includes six major home systems, including heating, ductwork, and plumbing.
- Platinum Care ($48 per month): This plan offers comprehensive coverage for 17 items, including plumbing stoppages and garage door openers.
The company offers only $500 in coverage for appliances, plumbing, and electrical systems, according to a Select Home Warranty sample contract. Select provides both annual and monthly plans, with annual options including two free months of service. Service call fees range from $60–$75, limiting pricing flexibility but offering lower rates than many competitors.
Select offers nine add-on options, fewer than other providers we’ve reviewed, but pricing is more affordable, ranging from $3–$8 per month. However, the company extends lower coverage limits than other providers, with only $400 in protection available for add-ons.
Below are some of the add-on options you can choose from:
- Central vacuum
- Lawn sprinkler system
- Pool
- Stand-alone freezer
- Well pump
The Cheapest Home Warranty Plans by Cost
The average home warranty costs about $56 per month, with most plans ranging from $47–$82, or $564–$984 per year. However, some basic plans start as low as $40, depending on the level of coverage. Choosing a lower-cost plan can reduce monthly expenses, especially if you just want protection for key home appliances and systems. But cheaper plans often exclude high-end appliances or certain systems, which may lead to higher out-of-pocket costs if issues arise. We recommend weighing upfront savings against your home’s needs and the potential for service fees throughout the year.
Compare the cost of the cheapest plan offered by our top picks review below.
| Provider | Cheapest Plan Cost* |
|---|---|
| Choice Home Warranty | $60 |
| Elite Home Warranty | $45 |
| AFC Home Warranty | $44 |
| Liberty Home Guard | $57 |
| Select Home Warranty | $44 |
How Much Money Can a Home Warranty Save You?
A home warranty can help you save on costly appliance and system repairs. For example, air conditioner repairs cost can range from $130–$2,000 without home warranty coverage, while refrigerator repairs may range from $300–$1,000. A home warranty typically reduces these expenses for covered items, only requiring you to pay a service fee for technician visits and resulting repairs. This can help you avoid the often high costs of emergency service calls, providing peace of mind for homeowners dealing with unexpected breakdowns.
The table below highlights average repair costs for common home systems and appliances without warranty coverage, based on market research.
| Appliance | Repair Costs Without a Home Warranty |
|---|---|
| Air conditioner | $130–$2,000 |
| Furnace | $130–$500 |
| Refrigerator | $300–$1,000 |
| Dishwasher | $160–$300 |
| Washing Machines | $125–$450 |
Our Experience Filing Home Warranty Claims
In addition to reviewing the most affordable home warranty companies, we tested the claims process for one provider on our list: Select Home Warranty. Below, we’ve summarized our experience with the company’s service.
Testing Select Home Warranty
Our Select Home Warranty tester found the claims process initially smooth but ultimately frustrating. Filing a claim for a leaking washing machine was quick and intuitive using the company’s online portal, and a technician arrived the same day to assess the issue. The contractor recommended a replacement due to unavailable parts, but Select sought a second opinion, causing delays. Communication was a challenge for our tester, with limited updates via the portal and slow follow-ups from Select. The claim remained unresolved nearly three weeks after filing, leaving our tester dissatisfied with the lack of progress and responsiveness.
While our tester experienced difficulties filing a claim with the company, note that your experience may vary.
Survey Insights on Choosing Cheap Home Warranties
In 2025, we surveyed 2,000 home warranty users across the U.S. to learn how homeowners balance affordability and protection. The results show that even when price is a concern, most people aren’t willing to sacrifice essential coverage. Here’s what else we found:
- Coverage matters more than cost alone: Only 25% of respondents said price was their top priority when shopping for a plan. Fifty-eight percent of respondents chose a plan based on coverage, suggesting a cheap plan needs to offer more than just a low price tag—it has to provide reliable protection when it’s needed.
- Protection for aging systems is a top priority: Fifty-four percent of homeowners chose a warranty to protect aging systems and appliances. Affordable plans covering major items like HVAC systems or water heaters were especially attractive to these homeowners.
- Respondents preferred combo plans: Seventy percent of users selected combination coverage instead of appliance-only or system-only plans. This suggests the best cheap home warranty plan balances price with comprehensive coverage, not just a low monthly fee.
- Homeowners worry about high-cost repairs: Heating, air conditioning, water heaters, and refrigerators were ranked as the most important items to cover with a home warranty. A budget-friendly plan that includes these systems offers more peace of mind than one that only covers minor repairs.
- State pricing varies: Our survey results showed that home warranty costs differ by state. For example, respondents in Alabama and Arizona paid lower premiums of around $30–$37, while New York and Rhode Island can reach $64–$76, highlighting the impact of location on plan pricing.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners across the country to learn more about their experiences with home warranties. We asked about their satisfaction with coverage, reasons for buying a plan, and interactions with customer service and the claims process. The survey also examined pricing, available add-ons, and whether homeowners planned to renew their coverage.
How To Choose the Best Affordable Home Warranty Provider
Finding the most affordable home warranty provider involves more than choosing the plan with the lowest monthly rate. It’s important to consider a plan’s overall value, including service call fees, which apply each time a technician visits your home. Choosing a plan with a lower service fee can lead to meaningful savings over time if you need multiple repairs. Comparing quotes from multiple providers can also help you spot the best value, especially when factoring in available promotions like reduced rates for annual payments or a free month of coverage.
Start by listing the systems and appliances you want covered. Budget-friendly plans sometimes leave out key items like refrigerators or air conditioning, so it’s important to review the home warranty coverage included in the base plan. Look for providers that allow you to customize your coverage through add-ons. This flexibility helps you avoid paying for items you don’t need while still protecting the essentials.
Review the terms and conditions closely before selecting a plan. Low-cost plans sometimes include coverage caps or exclusions that limit how much the provider will pay per claim. Understanding these details can help you avoid unexpected out-of-pocket costs and ensure the plan you choose strikes the right balance between affordability and protection.
FAQs About Cheap Home Warranties
What does a typical home warranty cost?
A typical home warranty costs about $56 per month on average, but can range from $47–$82 per month. Cheap home warranty usually falls below that average, starting at around $40 per month. Final costs vary based on your provider, plan type, location, and any add-on options you select.
Is having a home warranty worth it?
A home warranty is worth it if you want financial protection for unexpected appliance or system repairs. While a plan may not cover all issues in your home, it can save you money on unexpected repairs, especially with older systems and appliances.
Is a home warranty a tax write-off?
Home warranties are generally not tax-deductible unless the property is a rental, which may qualify as a business expense.
How We Evaluated the Cheapest Home Warranty Providers
When selecting the most affordable home warranty providers, we conducted a thorough research process. We consulted with industry experts to gain insights, requested sample quotes from each provider, and reviewed sample contracts to better understand their coverage.
We also considered homeowner experiences by analyzing customer reviews on third-party sites such as the BBB and Trustpilot and visiting home warranty websites. To gain further insight, we reached out to customer support teams, tested online quote tools, and signed up for plans with 11 leading home warranty companies.
We then rated each company against our detailed rating methodology on six rating factors, giving each provider a final 5-star score.
Below is a breakdown of how were selected the best providers for affordable home warranty plans:
- Coverage: When choosing a cheap home warranty plan, it’s important to find a company that offers baseline protection for key items without charging extra. Companies that provide $500 or more in coverage for major systems and appliances ranked higher in our review for affordability. We didn’t consider providers with limits below $200, which we determined doesn’t offer enough value for the cost.
- Cost: The cost of a home warranty is a key factor in affordability. Companies that rated higher on our list offer plans starting below $50 per month while still providing essential coverage. We excluded providers with basic plans priced at $60 or more per month because these rates exceed budget-friendly thresholds.
- Trustworthiness: Trustworthiness is important when selecting an affordable home warranty plan to avoid denied coverage and unexpected costs down the road. Companies rated higher for having solid reputations, positive customer reviews, and including at least a 30-day workmanship guarantee for reliability. Providers without these assurances were not prioritized, as these options pose a higher risk for homeowners.
- Plan Transparency: For a cheap home warranty, it’s important that companies offer clear terms so you can understand what you’re paying for and avoid hidden costs. Companies that scored higher in our review offer detailed contracts with clear limits, exclusions, and pricing, which can help homeowners make informed, budget-friendly choices. Providers with vague or unclear terms can cause unexpected expenses, making the overall plan less affordable.
- Customer Support: Reliable customer support ensures claims get handled efficiently, preventing delays or additional costs. Companies that scored higher offer knowledgeable, responsive customer assistance through multiple channels, making the claims process smoother. Providers with slow or unhelpful support can create stress and unexpected out-of-pocket costs for homeowners.
- Flexibility: Flexibility in plan options allows homeowners to customize their coverage to create an affordable plan tailored to their needs. Providers that ranked highest in our review offer a variety of plan options, competitively-priced service call fees, and multiple add-ons, giving homeowners more control over costs. Companies with rigid plans and few customization options can make it harder to find budget-friendly coverage, so we ranked those options lower.
