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5 Best Home Warranty Companies in Arizona (2024)

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

Arizona’s climate, characterized by intense heat, can stress your home’s built-in systems and appliances. Our survey of 1,000 homeowners found that more than 76% of respondents spent over $400 on a home appliance or system repair.

We recommend Liberty Home Guard for Arizona homeowners. The company offers 40 additional add-ons allowing you to customize your coverage based on your needs.

Having a home warranty can help you avoid expensive home repairs like these. We reviewed dozens of the best home warranty companies nationwide and selected the top Arizona providers.

Did You Know?

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


Comparing the Best Home Warranty Companies in Arizona

The table below outlines our recommended Arizona home warranty companies. Our team analyzed each provider’s plans, service fees, and industry reputation.

Monthly Cost Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard $49–$59 $65–$125 Up to 48 hours A VISIT SITE
American Home Shield American Home Shield $29–$89 $100–$125 Up to 48 hours B VISIT SITE
Select Home Warranty Select Home Warranty $44–$47 $60–$75 48-84 hours B VISIT SITE
First American Home Warranty First American Home Warranty $42–$82 $75–$125 4-48 hours B VISIT SITE
AFC Home Warranty AFC Home Warranty $38–$64 $75–$125 24-48 hours B VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A
VISIT SITE
American Home Shield
Logo American Home Shield
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
AFC Home Warranty
Logo AFC Home Warranty
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
VISIT SITE
Company BBB Rating Monthly Cost Service Fee Visit Site
A $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
No results were found.

BBB ratings are accurate as of November 2023.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,183-square-foot, single-family home in Tucson, Arizona. Your monthly premium may differ based on your home’s size and type, your location, and your plan and add-on selections. 

The 5 Best Home Warranty Companies in Arizona

To find Arizona’s best home warranty companies, our team reviewed provider plans, pricing, and reputations. We also evaluated each provider’s add-on coverages, customer service, and quote process before choosing our top picks.

Our research led to this list of Arizona’s highest-rated home warranty companies:


Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 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.

Do I Need a Home Warranty in Arizona?

When deciding if investing in a home warranty is worth it, consider that a solid warranty can provide a financial safety net for homeowners concerned about expensive home appliance 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 will only pay a service fee versus the entire repair cost.

Arizona had a record-breaking 145 days of 100° F or higher temperatures in 2020. A home warranty can save you from paying hefty repair or replacement costs if your AC breaks down in the scorching heat.

Home warranties are also a solid option for first-time homeowners who want extra protection for their new homes.

Item/SystemAverage Repair CostAverage Replacement Cost

Exhaust Fans

$16–$300

$250–$950

Refrigerator

$40–$350

$200–$5,000

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Washer

$50–$450

$400–$2,300

Dishwasher

$50–$500

$400–$3,000

Freezer

$90–$500

$160–$2,900

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Electric range

$100–$500

$230–$3,000

Gas range

$100–$500

$230–$3,000


How Much Does a Home Warranty Cost in Arizona?

After pulling quotes from each provider in this article, we found the average monthly premium for a home warranty is $56 in Arizona. Annually, expect to pay $672 on average. However, your total cost to own a home warranty depends on more than just your monthly premium. Most home warranty companies pair a service call fee with each plan. Our research shows that service call fees cost between $60 and $125 per claim.

Coverage type and amount cause cost variation between companies. For instance, we’ve 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.


Reviews of Home Warranty Companies in Arizona

Liberty Home Guard

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

Liberty Home Guard (LHG) maintains the highest BBB scores and customer reviews of our reviewed companies. Customers can choose from three plans with nearly 40 add-ons, allowing customers to customize their coverage. 

Why We Chose Liberty Home Guard

Liberty Home Guard scored 4.5 out of 5 stars in our review, thanks to its excellent customer review scores and A rating* on BBB. Our team contacted LHG representatives on several occasions and had positive experiences. We reached a representative in under one minute and received thorough answers to our questions. 

LHG offers 38 add-on options, making it the best warranty company for homeowners with more diverse coverage needs. The company offers several options for indoor and outdoor items, including pest control, standalone freezers, plumbing fixtures, and carpet cleaning.

Pros and Cons

Pros Offers 38 optional add-ons Covers its services with a 60-day workmanship guarantee included Provides excellent customer service based on online reviews Cons Can take up to 48 hours to respond to a claim Choosing a higher service fee doesn’t lower your monthly premium Doesn’t offer clear details on service call fee pricing

Plans and Pricing

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. The company’s service fees vary from $65–$125. When speaking to a representative, we learned the fees change based on your add-ons, location, and coverage plan. LHG has a $2,000 coverage cap on most covered items. Electrical and plumbing systems are the exception, with a $500 cap for each system. LHG includes a 60-day workmanship guarantee, double the 30-day industry standard for coverage. 

You can choose from monthly and annual premium rates for your coverage. Expect to pay between $499 and $599 annually for LHG plans. However, we learned that LHG doesn’t offer additional discounts or bonus coverage for an annual plan. These perks are fairly common with other home warranty companies. 

Here’s a breakdown of LHG’s monthly plans and add-on coverage:

  • Appliance Guard ($49.99 per month): This plan offers appliance-only coverage for major appliances, including dishwashers, clothes washers, and refrigerators.
  • Systems Guard ($54.99 per month): Your plan includes coverage for built-in systems, such as heating, ductwork, and electrical. 
  • Total Home Guard ($59.99 per month): The highest plan includes covered items and systems from the Appliance Guard and Systems Guard plans.
  • Optional add-ons: LHG offers 38 add-on coverage options, such as pest control, lawn sprinkler systems, floor cleaning, and generators.

We’ve outlined LHG monthly pricing below:

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

What To Expect

Liberty Home Guard offers quotes over the phone and through its online tool. The LHG tool requires basic and home-specific information for its quote process. You must first enter your name, phone number, and email. Next, you’ll provide your home address, home type, and whether your home is smaller or larger than 5,000 square feet. Finally, you receive a personalized quote with the option to switch between monthly and annual premiums. 

LHG will assign a service contractor from its in-network options to complete any repair work. However, if there are no local options for servicing, you can select your own contractor instead. 

Our team analyzed reviews from LHG homeowners. We learned they appreciated its helpful customer support team and prompt resolution of issues. We also tested the live chat features and were pleased with the responsiveness and ease of use.

American Home Shield

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

American Home Shield (AHS) offers the most comprehensive home system and appliance coverage. The company also covers unique issues, including rust or sediment corrosion, offering better protection for older homes.

Why We Chose American Home Shield

We scored American Home Shield 4.4 out of 5 stars. Homeowners can choose from three comprehensive coverage plans and two service call fees, allowing for better plan customization. AHS also includes excellent system coverage on all plan levels, including protection for HVAC systems. 

AHS makes a great choice for homeowners with older appliances and systems with preexisting conditions. You also receive protection for improper maintenance and physical damage, including rust and corrosion. These protections aren’t typically part of a home warranty plan. 

Pros and Cons

Pros Has coverage for preexisting conditions and improper installations Includes items with rust, sediment, or corrosion damage Offers three plans and two service call fees for improved customization Cons Costs more than other reviewed providers Doesn’t offer an appliance-only plan Only offers five add-on options

Plans and Pricing

American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver is its system-only plan and includes a $5,000 coverage cap per home system. With the ShieldGold plan, you add coverage for appliances with a $2,000 coverage limit. ShieldPlatinum is the highest option and has the same coverage as ShieldGold but with a $4,000 coverage cap. This plan also includes roof-leak coverage, an HVAC tune-up, air filter discounts, and up to $1,000 in code upgrades. 

AHS provides quotes over the phone or through its online tool. When we pulled a sample quote, we received three plan options with service fees of $100 or $125. When we chose the lower service fee, our monthly premium increased. Picking a higher fee decreased our monthly costs. Each plan included a 30-day workmanship guarantee. 

AHS does not offer annual premiums with its plans. Other providers offer monthly and annual options and typically include additional discounts and free months of service with the annual option. 

Here’s an overview of American Home Shield’s plans:

  • ShieldSilver ($39.99–$49.99 per month): Its lowest plan includes home-system-only heating, cooling, and electrical coverage.
  • ShieldGold ($59.99–$69.99 per month): The next tier covers major systems and appliances, including water heaters and plumbing lines. 
  • ShieldPlatinum ($89.99–$99.99 per month): This plan includes the ShieldGold coverage plus additional perks, including up to $1,500 for roof-leak repairs.
  • Optional add-ons: Add-on options include electronics, guest units, pools/spas, septic pumps, and well pumps.

Here is a table comparing American Home Shield’s Plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$39.99–$49.99

$100–$125

$5000

ShieldGold

$59.99–$69.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$89.99–$99.99

$100–$125

Systems: $5,000
Appliances: $4,000

What To Expect

We found American Home Shield’s online quote tool simple to use. You’ll need your home address, ZIP code, and email address to get a personalized quote. Homeowners can choose plan and service fee options to find the best fit. The site instantly updates with your adjusted premium costs. 

AHS uses its own network of contractors for service requests. A team member has an AHS plan and tested the claim process firsthand to resolve a leaking bathroom pipe. The AHS representative found a local plumber within the hour and scheduled an appointment for the next day. Our team member’s pipe was fixed, and he only paid the service call fee. 

We read dozens of Better Business Bureau (BBB) customer reviews to gauge brand reputation and service. Overall, customers were pleased with American Home Shield and appreciated their prompt claims process. However, the company has mixed reviews for its customer support team. Some homeowners mentioned claim reimbursements that were lower than expected.

Select Home Warranty

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

Select Home Warranty offers some of the most affordable coverage plans on our list. The company provides appliance-only, system-only, and combined coverage plans, plus service call fees as low as $80. 

Why We Chose Select Home Warranty

Select Home Warranty received a 4.3 out of 5 in our review. The company offers low-cost plans starting under $50 per month. In addition, Select includes roof-leak repair coverage with each plan, which typically requires an additional fee with other companies. 

Homeowners looking for basic home protections should consider Select Home Warranty. We should note that Select offers lower coverage caps than other competitors. Although the lower premiums make it a more affordable choice, its lower coverage caps could impact your claims process. We’d recommend choosing Select if lower costs and baseline coverage options are your primary concerns.

Pros and Cons

Pros Cost less than $50 per month for premiums Includes free roof-leak coverage with every plan Offers additional discounts for its annual premiums Cons Charges multiple service fees even if claims are filed together Lacks tankless water heater coverage Offers coverage caps than other reviewed providers

Plans and Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Our team conducted secret shopping to learn more about the company’s plans. We learned that Select provides its lowest service fee exclusively through an over-the-phone deal. We also learned that homeowners receive up to $3,000 for HVAC systems but only a $500 coverage cap for other covered systems. All plans include a 30-day workmanship guarantee. 

You can choose from annual or monthly premium options. Expect to pay between $479 and $524 annually. Our sample annual quote included up to $150 off premium costs and two additional months of coverage for 14 months total. 

Here’s an overview of Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Its appliance-only plan includes major appliances, such as dishwashers, garbage disposals, and clothes washers and dryers.
  • Gold Care ($44.42 per month): The system-only plan includes major home systems, such as heating, plumbing, electrical systems, and air conditioning.
  • Platinum Care ($47.75 per month): The highest plan combines the Bronze and Gold Care coverage, plus additional items, such as garage door openers and luxury appliance coverage.
  • Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, stand-alone freezers, sump pumps, and well pumps.

Here is a table comparing Select Home Warranty’s Plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

What To Expect

Our team pulled quotes for Select Home Warranty via phone and using the online tool. With the tool, you must enter your ZIP code and then provide your name, phone number, and email before receiving the personalized quote. We did not need to enter a home address. Our team also learned that Select prefers solving customer issues and processing claims over the phone. 

Select will choose a service technician for your repairs in most cases. If the company cannot find someone in your area, you can select your own contractor. Select must approve your technician before having them complete the repairs. 

Based on customer reviews, we learned that homeowners appreciated the low-cost options but had issues reaching the customer service department.

First American Home Warranty

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

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

First American Home Warranty offers comprehensive coverage plans with excellent appliance coverage. The company also offers a plan upgrade covering several miscellaneous fees that other companies exclude. 

Why We Chose First American Home Warranty

We awarded First American Home Warranty with a 4.6 out of 5 stars in our review standards. The company provides a $3,5000 coverage cap with its two lowest plans, higher caps than other reviewed companies. First American is an excellent choice for homeowners needing coverage for high-end appliances. 

Homeowners can add the First American Advantage upgrade for enhanced coverage. This upgrade includes added protection for appliances and systems with improper modifications, installations, or maintenance. These issues are typically excluded from home warranty coverage.

Pros and Cons

Pros Covers working home systems and appliances regardless of their age Includes a $3,500 cap for appliances on its Starter and Essential plans Provides unlimited coverage caps on heating, cooling, and ductwork Cons Charges higher monthly premiums than other reviewed providers Doesn’t allow you to choose your service technician Requires add-on coverage for air conditioning under the Starter Plan

Plans and Pricing

First American Home Warranty offers three coverage options: the Starter Plan, the Essential Plan, and the Premium Plan. You can choose between a $75, $100, or $125 service call fee. 

Its Starter and Essential Plans include a $3,500 coverage cap per appliance but doubles to $7,000 under the Platinum Plan. The company includes a 30-day workmanship guarantee with every repair. 

Our sample quote included annual and monthly premium options. You can expect annual rates from $480–$960. Unlike other companies that offer bonus coverage and discounts for choosing an annual plan, First American lacks any perks for its annual plans. 

Below is an overview of First American’s plan options:

  • Starter Plan ($42–$57 per month): The Starter Plan includes built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
  • Essential Plan ($52–$67 per month): The next tier includes the Starter Plan plus additional coverage, such as air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, garage door openers, trash compactors, and water heaters. You can also add the First American Advantage upgrade. 
  • Premium Plan ($67–$82 per month): This coverage includes the Essential Plan coverage and adds additional items, including full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
  • Optional add-ons: Homeowners can add air conditioning coverage to the Starter Plan and additional refrigeration to any plan option. Additional add-ons include HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.

Here is a table comparing First American Home Warranty’s Plans:

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–$82

$75–$125

Systems: Remain the same Appliances: $7,000

What To Expect

You can request a quote over the phone or online with its quote tool. When we used the online quote tool, we had to enter our name, phone number, email, and home address. We also chose our home types and estimated square footage. When we received our sample quote, we could adjust our service call fee and switch between annual and monthly premiums. The online tool also offers full details on each plan below the premium pricing, making it easy to compare options. 

First American resolves repair requests with its own network of service technicians. If a technician isn’t in your area, the company lets you choose your own. A member of our team has a First American plan and tested the claims process for a garage door opener repair. He contacted the company on a Friday and received a technician by the following Monday. The repairs took less than 30 minutes and only required payment of the service call fee. 

After analyzing dozens of customer reviews on First American, we learned that the company received mixed reviews. Although homeowners were pleased with the quick claims process, some experienced delays when the company fulfilled service requests. 

AFC Home Warranty

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

America’s First Choice Home Club (AFC Home Club) offers the best customization options, including four plans and add-on coverage. The company offers flexible service call fees and additional discounts for annual premiums. 

Why We Chose AFC Home Club

AFC Home Club received a 4.6 out of 5 in our review standards. The company’s plan variety and service fee options make it ideal for homeowners looking for personalized warranty options. AFC Home Club includes additional membership benefits, such as free credit monitoring and identity fraud protection. 

The company also stands out for its workmanship guarantee. Many companies offer the industry standard of 30 days, with a few exceptions providing 60-day coverage. AFC Home Club includes an unlimited workmanship guarantee that protects your system for as long as you keep the plan.

Pros and Cons

Pros Allows you to choose your own contractor for service repairs Guaranteed workmanship for your plan’s entire length Offers four plan options for better coverage options Cons Includes a depreciation value clause, which could reduce your cap Excludes coverage for unknown preexisting conditions Requires an add-on for roof-leak coverage

Plans and Pricing

AFC Home Club includes four plan options: Platinum Plan, Gold Plan, Silver Plan, and Systems Plan. You can choose from a $75, $100, or $125 service call fee. Choosing a higher fee results in a lower premium. 

While getting a sample quote, we learned that HVAC systems have an unlimited coverage gap. The only exception was thermostats, which received a $80 limit. Appliances receive up to $3,000 per item but could receive a lower cap due to age. We discovered that AFC Home Club pays the depreciated value of an item older than five years old. All replacements and repairs include a workmanship guarantee with unlimited coverage. 

You may choose between an annual or monthly plan premium. Expect to pay between $347 and $629 annually for AFC Home Club plans. The company does offer added savings for choosing an annual option. Selecting a one-year plan includes a $100 discount, while a three-year commitment includes a $250 discount. 

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

  • Silver Plan ($35.25–$40.08 per month): The first coverage tier protects appliances only and includes refrigerators, clothes washers, and dryers.
  • Systems Plan ($42.50–$47.33 per month): The next plan focuses on home systems only, including air conditioning, heating, and plumbing.
  • Gold Plan ($49.75–$54.58 per month): You receive coverage for appliances and systems, such as ductwork, oven, range, and garage door opener.
  • Platinum Plan ($54.58–$59.42 per month): The highest tier includes coverage under the Gold Plan and includes protection for your built-in microwave and ice maker. 
  • Optional add-ons: Add-ons include central vacuum, double oven, electronic coverage, hot water dispenser,  pool, roof-leak repair, septic system, spa, stand-alone freezer, and sump pump.

Here is a table comparing AFC Home Club’s Plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$35.25–$40.08

$75–$125

$3,000

Systems Plan

$42.50–$47.33

$75–$125

Appliances: $3,000

Systems: Unlimited

Gold Plan

$49.75–$54.58

$75–$125

Coverage caps remain the same

Platinum Plan

$54.58–$59.42

$75–$125

Coverage caps remain the same

What To Expect

Homeowners can receive AFC Home Club quotes through a representative or online. When we tested the online tool, we found it simple to use but ran into issues trying to compare plans. Unlike other companies that offer all plan details on one page, AFC requires you to select a plan first, then takes you to a separate page with details. You must switch back and forth between two screens for comparison shopping. These extra steps make the quote process less efficient than other providers. 

You can choose your own contractor for service calls, a rare option with home warranty companies. Although this is a welcomed feature, the company offers mixed coverage limits for home systems, lowering its plans’ overall value compared to other companies. 

Based on our online review analysis, we learned that AFC Home Club received mixed reviews from homeowners. Customers appreciate the prompt claims process but were disappointed with the depreciation value policy included with the plans.


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 are 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.


Annual Home Warranty Cost Calculator

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

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.


How Do Home Warranties Work in Arizona?

A home warranty is a service contract you purchase to safeguard your home’s major systems and appliances. Unlike homeowners insurance, home warranties only cover breakdowns caused by normal wear and tear. Home warranty plans typically last a minimum of 12 months. Most providers allow you to purchase a multi-year policy.

To use your home warranty, you must file a claim when you notice your appliance or system breakdown and pay the agreed-upon service call fee. Then, your provider will send an in-network technician to your home. This can take up to 48 hours on average. Note that you are responsible for the extra cost if the repair or replacement costs exceed your provider’s coverage limit.


Factors To Consider Before Buying a Home Warranty

Before investing in a home warranty, consider the following factors:

Coverage Exclusions

Review a provider’s fine print to ensure it covers all the items and components you need protected. Due to Arizona’s hot climate, most providers offer air conditioning coverage. However, providers may exclude specific cooling system components, which defeats the purpose of the home warranty.

Contract Length and Renewal

It’s important to know how long your policy will last once you purchase it. Most home warranties offer annual contracts that automatically renew each year if you have a credit card on file. Talk to your provider if you wish to renew your policy manually. Also, check if there is a free cancellation period in case you believe a provider isn’t right for you.

Cost vs. Value

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


How Can You Choose the Best Home Warranty in Arizona?

When selecting a home warranty provider in Arizona, choose one that meets your specific needs for ultimate peace of mind. Below are a few things to consider when deciding on a provider:

  • Additional coverage perks: While you may pay a bit more per month, providers that include coverage perks that suit your needs could benefit you. For example, consider a company that covers sediment damage if you own items kept outside.
  • Customer service accessibility: We suggest choosing a provider with more than one way 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.
  • Transparency: This may seem obvious, but homeowners often overlook it. Consider a company that is fully transparent about the services it offers, where it sources contractors, and total plan costs. Confirm what customer service representatives say is true with a copy of the company’s sample contract.

What Does an Arizona Home Warranty Cover?

A home warranty covers your home’s most common systems and appliances. For example, home warranties cover air conditioners, clothes washers and dryers, dishwashers, furnaces, garbage disposals, microwaves, ovens, plumbing systems, refrigerators, and water heaters. Some home warranties also cover items with rust or corrosion damage.


Expert Takes on Home Warranties

We interviewed industry experts to supplement our home warranty research. We asked them a few of the most common questions homeowners have about home warranties. Their answers are the following:

  • Are there things I should know about the claims process? David Tully, owner of LPT Realty, suggests the following: “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
  • Can I start using my Arizona home warranty once I sign up? Chuck Vander Stelt, a Realtor for Quadwalls, mentions most home warranty companies don’t accept claims directly after you sign up for a plan. He adds, “If you already own the home you’re getting a home warranty for, there is typically a 30- to 90-day blackout period where you can’t make claims.”
  • Do Arizona home warranties offer other reimbursement options? Kurt Walkera Mill City Home Buyers real estate expert, says many home warranty companies offer cash reimbursement for repairs or replacements. “However, you must be aware that the cash payout might not cover the cost of replacement,” he cautions.

Our Conclusion

We recommend Liberty Home Guard as our top choice due to its extensive 60-day workmanship guarantee and add-on catalog. Another solid choice is American Home Shield since it provides extensive coverage options and protections. Finally, Select Home Warranty is worth considering if you’re on a budget.

We suggest reading the sample contracts of three providers to understand coverage exclusions and limitations.


Other Resources for Residents in Arizona


FAQ 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.

How long do home warranties guarantee their work?

A home warranty company typically guarantees its work for 30 days after it repairs or replaces your covered item. Some companies, such as AFC Home Club, guarantee their work for the length of your plan.

What is considered 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.


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

Find in-depth reviews on the best home warranty companies for major cities in AZ below!


Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score on a 5-point rating scale.To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.