5 Best Home Warranty Companies in Arizona (2024)

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.  

Monthly cost: $49–$59

We scored LHG 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.

LHG 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. 

Here’s an overview of LHG 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 LHG costs and coverage caps:

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

One of LHG’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. LHG also offers a dedicated app to submit online claims, check your warranty details, and make payments. 

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. 

Monthly cost: $29–$89

We scored AHS 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.

AHS 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.  

Here are more details on each of AHS’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:

AHS 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

We tested the AHS 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. 

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

Monthly cost: $44–$58

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.

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.

Elite’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:

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

One of our team members filed an online claim with Elite 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 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.

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. 

Monthly cost: $45–$50

We scored Select 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.

Select 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. 

Here’s a breakdown of Select’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 are provided below:

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

We discovered that the company 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. 

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.

Monthly cost: $42–$87

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.

First American 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.

Here is a summary of First American’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:

First American 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:

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

One of our team members submitted a claim to First American 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.