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5 Best Home Warranty Companies in Arizona (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Mike Qiu Updated 05/29/2024

We researched and scored nearly 60 leading home warranty companies to find the best providers for Arizona homeowners. We recommend Liberty Home Guard as our top choice due to its 60-day workmanship guarantee, extensive add-on catalog, and solid HVAC coverage. Another solid choice is American Home Shield due to its comprehensive protection and generous caps for appliances and systems. 

Arizona’s hot and dry climate can cause your home’s AC system, plumbing, and appliances to be constantly under stress, leading to costly repair and replacement expenses. Our top Arizona home warranty providers can help keep your home in top condition. Keep reading to find the right home warranty company that offers comprehensive coverage and peace of mind.

Key Takeaways

The best home warranty companies in Arizona are Liberty Home Guard and American Home Shield, based on our extensive research of 57 home warranty providers.
An Arizona home warranty costs $662 annually on average, or $47-$64 per month, depending on your plan and coverage.
Our home warranty survey revealed that 92.7% of policyholders were satisfied with their home warranty plan, while less than 1% were dissatisfied.
Did You Know?

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


What Are the Top Home Warranty Companies in Arizona?

We reviewed 57 home warranty providers using our detailed methodology and selected the top five companies for Arizona homeowners:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best for Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Compare Home Warranty Companies

The following table compares our top Arizona home warranty companies based on key metrics, including cost, response time, and service fees.

Star Rating Monthly Cost in AZ Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$29–$89 $100–$125 Up to 48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
$44–$58 $70 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$45–$50 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$42–$87 $75–$125 4-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in AZ $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in AZ $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in AZ $44–$58
Service Fee $70
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in AZ $45–$50
Service Fee $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in AZ $42–$87
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
Company BBB Rating Monthly Cost in AZ Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $45–$50 $60–$75 VISIT SITE
B $42–$87 $75–$125 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,736-square-foot, single-family home in Phoenix, Arizona. Your pricing may vary depending on your home’s location, size, type, and plan selections.


The 5 Best Arizona Home Warranty Companies

Below is a more detailed look at our top Arizona home warranty providers.

Liberty Home Guard

Best Overall
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.

We recommend Liberty Home Guard (LHG) for Arizona homeowners who need affordable, unique home protections. The company provides three specialized plans and 42 add-on options, the most extensive catalog in this review.

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. We read the Liberty Home Guard sample contract and learned that the company provides $2,000 caps for most items except plumbing and electrical systems. These systems receive only $500, which is less than other competitors.

The company also doesn’t offer protection for preexisting conditions, making it a better choice for newer homes. However, LHG stands out for its add-on catalog, which offers added protection for roof leaks, additional plumbing, and high-end appliances. 

Monthly cost: $49–$59

How We Scored Liberty Home Guard

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

  • Coverage (4.7 out of 5): We awarded higher points for its three specialized plans and extensive add-on catalog. 
  • Value (4.25 out of 5): LHG lost points for its vague service call fee policy and lack of flexible fee options.
  • Trustworthiness and Transparency (4.8 out of 5): LHG received a high score for its excellent brand reputation and average 4.5 out of 5-star ratings on third-party review sites. 
  • Availability and Service (4.3 out of 5): LHG scored lower for its restrictive service technician policy.

Pros and Cons

Pros Extends a 60-day workmanship guarantee, twice the industry standard Includes HVAC and plumbing system protection under two of its three plans Provides 42 add-ons, including roof-leak coverage Cons Assigns its service call fees, limiting your customization Doesn’t disclose service call fees during the quote process Limits plumbing and electrical coverage to $500

Plans and Cost

Here’s an overview of Liberty Home Guard’s plans:

  • Appliance Guard: This appliance-only plan protects nine appliances, including clothes washers, dishwashers, and kitchen refrigerators.
  • Systems Guard: Its system-only plan covers six built-in systems, including HVAC, electrical, and plumbing. 
  • Total Home Guard: This comprehensive plan includes all items under the Appliance Guard and Systems Guard plans.

LHG offers monthly and annual premium plans. Our sample quote included two free months of service when we selected the annual option. Unlike other providers that include two or more service fee options, LHG assigns fees based on your plan, location, and selected add-on. Unfortunately, the company doesn’t disclose your fee during the quote process. Most companies offer full pricing disclosure before you sign up for service. Its fees can range from $65–$125. 

Below is a breakdown of Liberty Home Guard costs and coverage caps:

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

LHG provides 42 add-on selections, more than the other reviewed providers. Pricing ranges from $3.99 to $35.99. You can add roof-leak coverage for $11.99 per month and plumbing fixture coverage for $7.99. LHG also recommends add-ons in the online quote tool based on your location. Here are other popular options in Arizona:

  • Pools and spas
  • Lawn sprinkler systems
  • Septic system pumping 
  • Stand-alone freezers

Our Experience With Liberty Home Guard

One of Liberty Home Guard’s standout features is that it offers multiple contact options, including phone and online chat. We tested the phone support line and were connected with a representative in under one minute. The chat feature, however, connects you to a bot first. You must request a live agent twice before being connected. Liberty Home Guard also offers a dedicated app to submit online claims, check your warranty details, and make payments. 

American Home Shield

Best for Comprehensive Coverage
4.8 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.

We recommend American Home Shield (AHS) for its comprehensive appliance and system protection, which includes HVAC protection. The company offers HVAC coverage under every plan with a $5,000 cap, one of the highest in this review. 

American Home Shield offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. Reviewing the AHS sample contract informed us that it includes system coverage under every plan, including a system-only option. You receive $5,000 for HVAC and ductwork.

The sample contract doesn’t include coverage limits for most electrical and plumbing items, and we also found that $1,500 of roof-leak coverage comes included with the SheildPlatinum plan. You can add the roof-leak add-on to the other two plans. Plans include a 30-day workmanship guarantee, which is the industry standard.

Monthly cost: $29–$89

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 well for its comprehensive item coverage and generous coverage caps. 
  • Value (4 out of 5): We deducted points for its higher bundled premiums and service fees. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower average customer review scores. 
  • Availability and Service (4.7 out of 5): AHS received more points for its efficient claims processing.

Pros and Cons

Pros Includes roof leak coverage under its highest plan Offers generous coverage caps for systems and appliances Provides system coverage with every plan Cons Charges slightly higher bundled premiums than other reviewed providers Doesn’t include an appliance-only plan Offers the smallest add-on catalog in this review

Plans and Cost

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

  • ShieldSilver: This plan covers home systems, such as heating, cooling, electrical, and plumbing.
  • ShieldGold: The next plan offers comprehensive protection to major systems and appliances, such as ovens, refrigerators, clothes washers and dryers.  
  • ShieldPlatinum: The highest plan tier includes ShieldGold protections and adds additional perks, including roof-leak coverage, unlimited AC refrigerant, and a free HVAC tune-up. 

Unlike other providers that offer annual and monthly plans, AHS only provides monthly options. However, the company does offer frequent promotions with discounted rates for new customers. The company gives you a choice of a $100 or $125 service fee. We selected the highest service call fee in our sample quote, and our monthly rate decreased by $10. Your premium increases by the same amount if you choose the lower fee

Here are American Home Shield’s premiums and coverage limits:

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 only offers six add-on coverage options, the smallest catalog in this review. In comparison, other home warranty companies provide eight or more options. Pricing ranges from $5–$18 per month. You can add roof-leak coverage for $10 per month to the ShieldSilver and ShieldGold plans. Adding septic pump coverage only costs $5 monthly. 

Additional add-on options include these items:

  • Electronics protection
  • Guest unit
  • Pool and built-in spa equipment
  • Well pump

Our Experience With American Home Shield

We tested the American Home Shield claims process through one of our team members who has a home warranty plan. He filed a claim online for a leaky bathroom pipe and received text and email confirmations immediately after submission. A service technician reached out within an hour to schedule a next-day appointment. The technician took two hours to complete the repairs and only charged the service call fee. 

Elite Home Warranty

Best for Flexible Coverage
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.

We recommend Elite Home Warranty for Arizona homeowners who want more flexible coverage plan options. The company offers three plan options, one fully customized plan, and  27 add-on choices.

Reading through Elite’s sample contract told us the company imposes a $15,000 annual limit for its plans. This means you can’t exceed this total amount for claims within your contract period. You receive a $8,000 limit for systems and $7,000 for appliances. In addition, the company provides varied coverage caps per item.

Other companies usually offer a standard cap for systems and appliances. Air conditioners receive a $4,000 cap, while electrical systems are limited to $2,000. Elite offers the Customize Your Own plan along with its three standard plans, which lets you choose your specific systems and appliances.

Monthly cost: $44–$58

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 well for its plan variety and extensive add-on catalog, the second-largest in this review.  
  • Value (4.25 out of 5): Elite lost points since it only offers one standard service call fee and charges extra for certain service calls. 
  • Trustworthiness and transparency (4.8 out of 5): Elite received more points for its high customer review scores across third-party sites. 
  • Availability and service (4.5 out of 5): We deducted points for its limited online services, including not offering an online quote tool.

Pros and Cons

Pros Offers comprehensive and customizable plan options Provides 27 add-on options, the second largest catalog in this review Extends a 90-day workmanship guarantee, three times the industry standard Cons Charges higher service call fees for specific service call types Doesn’t cover out-of-network contractors with its workmanship guarantee Doesn’t offer an online quote tool

Plans and Cost

Elite Home Warranty’s coverage plan details are listed below:

  • Elite Appliances: This appliance-only plan protects eight appliances, including cooktops, clothes washers, and dishwashers. 
  • Elite Systems: This system-only plan includes eight home systems, including air conditioning, heating, and plumbing systems. 
  • Elite Complete: The highest plan offers comprehensive protection and combines the Elite Appliances and Elite Systems plans.

Elite’s premiums range from $44–$58. The company charges a standard service call fee of $70. High-end appliance repairs and service calls outside regular business hours will incur a $150 charge. 

Here’s a breakdown of Elite’s pricing and coverage limits:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

$500–$3,000

Elite Systems

$49.99

$70

$750–$4,000

Elite Complete

$58.99

$70

Coverage caps remain the same

Elite’s premiums range from $44–$58. The company charges a standard service call fee of $70. High-end appliance repairs and service calls outside regular business hours will incur a $150 charge. 

Below is a sample of Elite’s add-on options: 

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

Our Experience with Elite Home Warranty

One of our team members filed an online claim with Elite Home Warranty when his high-end dishwasher broke down. An Elite claims specialist called him to schedule a next-day repair appointment within 30 minutes. The technician arrived as promised on a Tuesday evening but didn’t have the necessary parts. He returned first thing the following Monday morning with the required parts and fixed the dishwasher in under an hour.

We also learned that Elite Home Warranty dispatches technicians from its approved network. These repairs come with a 90-day workmanship guarantee. However, if you use your own technician instead of one from Elite’s network, you won’t receive the workmanship coverage.

Select Home Warranty

Best Value
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.

We recommend Select Home Warranty for Arizona homeowners who need cheap coverage with baseline coverage. The company offers plans for under $50 and includes free roof leak coverage, a rare benefit. 

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. We reviewed the Select sample contract and learned that most of the company’s coverage caps fall below the industry standard. Select protects HVAC systems with a $3,000 limit, but all other systems and appliances receive only $500.

The company also doesn’t cover preexisting conditions, so it wouldn’t be a good fit for older Arizona homes. We recommend Select for homeowners looking for affordable HVAC coverage only. 

Monthly cost: $45–$50

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 lost points for its $500 and under coverage limits, which ranks lower than most reviewed providers. 
  • Value (5 out of 5): Select received a perfect score for its affordable premiums and lower service call fees. 
  • Trustworthiness and Transparency (4.5 out of 5): Select scored lower due to its low customer review scores.  
  • Availability and Service (4.3 out of 5): Select lost points for its extended claim processing time line, which is longer than that of its competitors.

Pros and Cons

Pros Includes a generous $3,000 cap for HVAC systems Offers affordable warranty plans under $50 Provides free roof-leak coverage with each plan Cons Doesn’t cover unknown preexisting conditions Has some of the lowest coverage caps in this review Limits service call fee flexibility

Plans and Cost

Here’s a breakdown of Select Home Warranty’s plans:

  • Bronze Care: Its lowest plan covers appliances only, including dryers, ovens, and refrigerators.
  • Gold Care: Its system-only plan includes key built-in systems, such as HVAC, electrical, and plumbing.
  • Platinum Care: The highest plan tier combines the Bronze and Gold Care plans and adds garage door openers, ceiling fans, and luxury appliances.

Select offers monthly and annual premium options. We received a $150 discount and two additional months when we chose an annual plan in our sample quote. Unfortunately, Select doesn’t let you choose your service fee, limiting your ability to adjust premium costs.  

The pricing and coverage limits for Select Home Warranty are provided below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$45.67

$60–$75

$500

Gold Care

$45.67

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$50.25

$60–$75

Coverage caps remain the same

Select offers nine add-on options, which is the average for most companies. However, Select’s pricing undercut many competitors, with its add-ons priced below $9. The company does offer lower caps than other providers, though. Select only offers $400 coverage caps, compared to other companies offering $500 or more.  

Some examples of available additional add-ons include the following:

  • Lawn sprinkler systems
  • Pools
  • Septic systems
  • Stand-alone freezers

Our Experience With Select Home Warranty

We discovered that Select Home Warranty prefers resolving issues and processing claims over the phone. We also learned that the company offers its lowest service call fee through an exclusive over-the-phone deal. We recommend contacting the Select sales team to initiate a quote. 

First American Home Warranty

Best Appliance Coverage
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.

We recommend First American Home Warranty for Arizona homeowners who own high-end appliances and need extended system coverage. First American offers a $7,000 appliance cap on its highest plan and unlimited coverage built-in systems.

First American Home Warranty provides three plan options: the Starter Plan, the Essential Plan, and the Premium Plan. Reading First American’s sample contract told us that its lowest plan, the Starter Plan, excludes coverage for air conditioning, clothes washers, and dryers. You must add the air conditioning add-on to receive coverage. You must move to the Essential or Premium plan for washer and dryer coverage.

Protection against roof leaks is only available with the Premium plan and requires add-ons for the Starter and Essential plans. Adding the First American Advantage upgrade to the Essential and Premium plans adds protection for items that have been improperly maintained, installed, or modified.

Monthly cost: $42–$87

How We Scored First American Home Warranty

We scored First American 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 high for its high appliance coverage caps and unlimited system protections. 
  • Value (4 out of 5): The company lost points for its coverage costs and service fees, which are slightly higher than other providers. 
  • Trustworthiness and Transparency (4.8 out of 5): First American received a high score for its excellent customer review scores and brand reputation. 
  • Availability and Service (4.3 out of 5): First American lost points for its longer claim processing timeline.

Pros and Cons

Pros Includes unlimited coverage caps for built-in systems Offers a free plan upgrade that includes protection for damaged items Provides up to $7,000 appliance coverage caps Cons Charges slightly higher monthly premiums compared to other providers Excludes some essential appliances from its basic plan Requires an add-on for air conditioning coverage on its lowest plan

Plans and Cost

Here is a summary of First American Home Warranty’s plans:

  • Starter Plan: The comprehensive plan covers a mix of systems and appliances, such as electrical and heating systems, as well as refrigerators.
  • Essential Plan: The next plan extends coverage to more essential systems and appliances, such as air conditioning, washers, dryers, and water heaters.  
  • Premium Plan: The highest plan tier offers Essential Plan coverage and adds luxury appliances, showerheads and arms, and window air conditioning units. 

Our secret shopping experience revealed that First American doesn’t provide free months of service or other discounts for choosing an annual policy. However, the company does run seasonal promotions that offer reduced rates for new customers  First American offers three service call fees: $75, $100, or $125. We chose the highest service call fee in our sample quote and received a lower premium rate. 

Here’s an overview of First American’s costs and coverage caps:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42–$57

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$52–$67

$75–$125

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

Appliances: $3,500

Premium Plan

$67–$87

$75–$125

Systems: Remain the same Appliances: $7,000

First American Home Warranty provides 12 add-ons, which aligns with most home warranty providers. The company offers moderate pricing, with add-ons ranging between $2 and $20. You can add limited roof-leak coverage for $8.33 per month. Adding the central air conditioning add-on to the Starter Plan will cost $8.33 monthly. You can also upgrade to the First American plan at no extra cost with an Essential or Premium Plan.

Here are some additional add-ons offered by First American Home Warranty:

  • Additional refrigeration 
  • HVAC tune-up 
  • Septic tank pumping/system 
  • Water softener

Our Experience With First American Home Warranty

One of our team members submitted a claim to First American Home Warranty for a faulty garage door opener. He received a text confirmation with the technician’s information after just 30 minutes. The technician reached out 30 minutes after that to schedule a service appointment. The repairs were completed in less than half an hour, and the only out-of-pocket cost was the service call fee.


Avoid These Home Repair Costs With a Home Warranty Plan

A home warranty plan costs an average of $600 annually. However, repair and replacement costs can quickly add up without oneespecially if you need multiple home repairs. Below, see what you’d pay to repair or replace common items in your home without home warranty protection.

Refrigerator
Avg. repair cost: $250
Avg. replacement cost: $2,500
Oven
Avg. repair cost: $220
Avg. replacement cost: $2,000
Washing Machine
Avg. repair cost: $180
Avg. replacement cost: $1,500
Dishwasher
Avg. repair cost: $200
Avg. replacement cost: $2,000
AC System
Avg. repair cost: $450
Avg. replacement cost: $7,500
Heating System
Avg. repair cost: $350
Avg. replacement cost: $5,000

On average, a home warranty plan can save you over $1,200 in repair/replacement costs a year for any of the appliances above.



How Much Does a Home Warranty Cost in Arizona?

We found that the average monthly premium for a home warranty is $55 in Arizona, and you can expect to pay $570-$774 on average annually. These numbers come from averaging the quotes for each provider in our review.

However, your total home warranty cost depends on more than just your monthly premium. Most home warranty companies pair a service call fee with each plan, which can cost between $60 and $125 per claim.

Coverage type and amount cause cost variation between companies. For instance, we found that providers that include your home’s major systems and appliances in one plan tend to cost more than those that offer appliance or system-only plans.

We recommend analyzing the coverage plan’s cost in relation to its value. A cheap plan may sound ideal, but it might limit its coverage breadth. We suggest comparing three companies to see which provides the most value for your situation.


Is a Home Warranty Worth It in Arizona?

A solid Arizona home warranty can provide a financial safety net if you’re concerned about expensive home appliances and system repairs. For example, if your air conditioning system repair costs roughly $500 and your provider covers up to $2,000 per repair, you’ll only pay a service fee versus the entire repair cost. Home warranties are worth the investment for current and first-time homeowners who want extra home protection.

Arizona summer temperatures can climb as high as 107℉ in some areas. A home warranty can save you from paying hefty repair or replacement costs if your AC breaks down in the scorching heat.

Here are the estimated costs for common system and appliance repairs in Arizona to show how unexpected repairs can impact your finances and daily life:

Air Conditioning

Electrical Issues

Plumbing Leaks

Refrigerators

Roof Leaks

An air conditioning failure during Arizona's sweltering summers can be miserable for families. Temperatures commonly exceed 100°F, leaving homes hot and humid without AC. This uncomfortable environment can also degrade indoor air quality and waste energy, hiking electricity bills. Minor AC repairs costs range between $100 and $650. However, replacing the entire AC unit runs $2,500–$15,000.
Malfunctioning electrical wiring could shut down your home’s lighting, appliances, and essential systems. Faulty wiring also poses severe fire and shock hazards that can damage your home. Unreliable circuits may hike up your utility bills over time, too. Hiring an electrician for minor electrical repairs runs $150–$600. However, extensive wiring replacements or repairs can cost $9,000–$15,000.
A small leak in your plumbing can quickly become a big problem. Dripping pipes waste water and drives up utility bills. Leaks can also promote mold growth and cause water damage across ceilings, floors, cabinets, and walls. A minor leak fix runs $150–$450, but a new plumbing installation can exceed $5,000 in unexpected costs. 
A malfunctioning refrigerator could compromise your food safety. The longer it's left unfixed, the higher the risk of foodborne illness from spoiled perishables. You could also lose hundreds of dollars in food waste. On average, minor appliance repair for refrigerators can cost around $200–$500. Investing in a new refrigerator could cost $5,000 or more. 
Arizona receives 286 sunny days yearly, exceeding the 205-day national average. Constant sun exposure can cause shingles to wear down and warp. In addition, your roof will slowly deteriorate when faced with high winds, dust storms, and heavy rains during monsoon season. Over time, you could find small leaks in your roof, which, left untreated, could lead to mold, mildew growth, and extensive damage to your walls and ceiling. Roof repairs could range between $150 and $2,000 based on the damage. Partial to complete roof replacement costs fall between $3,800 and $10,000.

What Does an Arizona Home Warranty Cover?

An Arizona home warranty covers your home’s most common systems and appliances for normal wear and tear. Wear and tear is the deterioration of a covered system or appliance due to regular use over time. Normal wear and tear applies to appliance and system breakdowns that occur without tampering from the homeowner and without being improperly installed or maintained. Some home warranties also cover items with preexisting conditions or physical damage, but this coverage is rare. 

Most home warranty companies offer repair and replacement options, but cash reimbursements could also be an option. This typically happens when the repair doesn’t improve the item’s condition or a replacement is unavailable, but you shouldn’t expect a reimbursement equal to your listed coverage cap. Kurt Walker, a Mill City Home Buyers real estate expert, cautions that these cash payouts could be less than the replacement cost. 

We’ve detailed typical coverage, exclusions, and add-on options for Arizona home warranty plans to help you as you shop for home warranty coverage.

Common Inclusions

Common Exclusions

Common Add-ons

A home warranty usually covers essential home appliances and systems. They should include the following items:

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

We recommend reviewing each sample contract in detail to verify item coverage. A few companies exclude essential systems, such as air conditioning, from their base coverage. 

Specific exclusions differ between providers, but most home warranty plans don’t cover the following conditions:

  • Cosmetic defects that don't affect an item's functionality
  • Issues caused by improper installation or maintenance
  • Physical damage 
  • Preexisting conditions 

It's important to note that home warranty plans usually have a waiting period of 30–90 days. This means that the warranty won’t cover any issues that arise during this time frame. We recommend checking with your home warranty provider to confirm the length of the waiting period before signing up.

Home warranty companies often offer supplementary coverage for additional appliances, outdoor installations, or home maintenance services. We’ve listed some examples below: 

  • Carpet cleaning 
  • Central vacuum
  • Guest units
  • Electronics protection
  • Exterior sewer and water lines
  • HVAC maintenance
  • Pest control services
  • Professional and high-end appliances
  • Rekey service
  • Roof leaks
  • Saltwater pools
  • Secondary appliances
  • Septic pumping 
  • Septic tanks
  • Stand-alone freezers
  • Sump pumps
  • Swimming pool and spa equipment
  • Trash compactors
  • Water softeners
  • Well pumps

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
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 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.

We learned about the type of coverage residents need for their homes to find the best home warranty companies in Arizona. We spoke to home warranty experts to learn more about the industry and help us identify common homeowner pain points. We also spoke with customer service representatives to go over their plan options, pulled sample quotes, and analyzed contract terms. Finally, we gained firsthand experience by testing the claims process for some providers and through secret shopping. 
We then scored each California provider against our detailed methodology in four categories: coverage, value, trust and transparency, and availability and service. We ensured each company provided solid coverage for HVAC and plumbing systems and roof-leak protection through its standard plans or with add-on coverage. We compared monthly costs against included coverage, analyzed third-party customer reviews, and accounted for claims processing times. We then awarded points for each category and converted scores to a final 5-star rating scale.

We spoke with over 15 professionals while researching the home warranty industry to help us better understand what's most important to customers. We consulted the following two home warranty experts to gain key insights for this article:
Shannon Feick: Feick is the co-owner and co-founder of ASAP Properties.
Kurt Walker: Walker is a real estate expert at Mill City Home Buyers.

Which Home Warranty Companies Didn’t Make the List?

We excluded some companies that lacked certain coverage options or had limited coverage caps. The providers below didn't rank among the top for Arizona, but they remain legitimate choices worth considering if their coverage matches your specific needs.

AFC Home Warranty

AFC Home Warranty offers unlimited coverage caps for most systems, including HVAC and plumbing. It’s also one of the few to offer a plan-length workmanship guarantee. Unfortunately, AFC Home Warranty includes a depreciation policy with its plans that reduces payout for items five years or older. This provider could better fit new Arizona homeowners who want extended workmanship protection plus unlimited system caps. 

Cinch Home Services

Cinch offers up to $1,500 of coverage for HVAC systems under two of its plans. However, this coverage cap falls short compared to other providers, including AHS and LHG. The company also imposes an annual $10,000 cap for claims, which is lower than Elite. In addition, Cinch doesn’t offer any roof-leak solutions, which Arizona homeowners would need. Cinch may be a great solution for homeowners seeking mainly HVAC coverage.


How To Choose a Home Warranty in Arizona

It's important to remember the following steps as you search for the perfect home warranty for your Arizona home:

  1. Start with a clear coverage goal: Determine which appliances and systems need added protection. Assess their current condition, maintenance record, and age. Some companies don’t offer protection for older or damaged items. In addition, some providers offer lower payouts based on depreciation value. Consider any add-on coverage you may need, such as septic tank pumping, roof leak coverage, or pool protection.
  2. Check online reviews: Reading customer reviews helps verify a company’s brand reputation and helps distinguish providers with similar offerings. Feick says, “Customer reviews give real insight into how a company treats its customers and handles claims which will help you avoid providers with poor service.” Check for patterns of poor customer support, denied claims, and undervalued payouts. 
  3. Confirm contract and policy transparency: Consider a company that is fully transparent about its services, contractor network, and total plan costs. Confirm what customer service representatives say is true with a copy of the company’s sample contract. Home warranty companies should offer clear disclosures for their policies and fees. 
  4. Review coverage exclusions: Review a provider’s fine print to ensure it covers all the items and components that need protection. Most providers offer air conditioning coverage in Arizona because of its hot climate. However, providers may exclude specific cooling system components, which defeats the purpose of the home warranty.
  5. Check customer service accessibility: We suggest choosing a provider with multiple ways to contact its customer service department. Most companies provide a dedicated hotline or email address for customer inquiries. Some, however, go a step further and feature an online chat tool on their website.
  6. Verify the contract length and cancellation policy: Knowing this information will help you plan and make decisions accordingly. Most home warranties offer annual contracts that automatically renew each year if you have a credit card on file. Also, check if there is a free cancellation period in case you believe a provider isn’t right for you.

How Are Home Warranties Regulated in Arizona?

Arizona’s Department of Insurance and Financial Institutions (DIFI) regulates home warranty companies. According to § statute 20-1095.1–20-1095.10, providers must first receive approval from the DIFI before selling service contracts. In addition, the state provides a resource to help consumers with the home warranty buying process.
There are several ways to file a complaint if you’re in a dispute with your provider. You can complete a complaint form on the DIFI website. The Arizona Attorney General also provides a complaint form.


Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. 

You can use the following steps to calculate your projected annual cost:

  1. Enter your monthly premium.
  2. Enter your service call fee.
  3. Enter your estimated number of claims.

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 The Home Depot.


Other Resources for Residents in Arizona


FAQs About Home Warranties in Arizona

How do I cancel or renew my home warranty in Arizona?

You can cancel or renew your home warranty by contacting your provider over the phone or online. Providers typically automatically renew your policy for renewals if you have a card on file. For cancellations, some providers accept a phone call. Others, however, require a cancellation request in writing.

Do home warranties cover older Arizona homes?

Generally, home warranties do cover older homes. Some providers, however, require a home inspection before granting coverage on an older home. The home inspection ensures that your home’s appliances and systems are in good working condition the day you sign up.

Can you purchase a home warranty at any time in Arizona?

Yes, you can purchase a home warranty in Arizona at any time. Some home sellers include a home warranty with the purchase, but if they don’t, you can still add a home warranty when you need coverage. Keep in mind that a home warranty can take up to 30 days to go into effect, so purchase coverage before you need it. 

Can a home warranty be transferred to a new homeowner in Arizona?

Yes, most Arizona home warranties can be transferred to a new homeowner. However, exact transfer policies can vary between companies. We recommend contacting your home warranty provider for full details about its transfer policy. 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for cities throughout the state. 

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