Our team chose American Home Shield as the best home warranty company in Delaware for its robust coverage, including generous limits and protection for items with preexisting conditions. Choice Home Warranty is our second pick, thanks to its affordable and comprehensive plans.
A home warranty protects Delaware homeowners by covering the cost of unexpected repairs or replacements for essential systems and appliances. Given the state’s varying weather conditions, which can accelerate system and appliance wear and tear, a home warranty can provide both peace of mind and financial security. Our review includes a comprehensive list of our top-rated providers, average costs, and additional insights to help you choose the right plan for your needs.
Key Takeaways
- We selected American Home Shield as the best home warranty company in Delaware, thanks to its comprehensive protection.
- A home warranty costs $33–$72 per month in Delaware, depending on your provider and coverage.
- Our 2025 home warranty survey showed that coverage was the top feature most homeowners considered when choosing a plan.
Delaware’s Top 5 Home Warranty Companies
Our top-rated home warranty companies for Delaware homeowners include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Comparing the Best Home Warranty Companies in Delaware
The table below compares our top Delaware providers based on key factors, including Better Business Bureau (BBB) scores and national average monthly costs.
| Company | Star Rating | BBB Rating* | Monthly Cost** | Service Fee |
|---|---|---|---|---|
A+ | $57–$68 | $65–$125 | ||
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $44–$82 | $75–$125 |
*The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025.
**Your actual pricing may vary based on factors such as your home’s location, size, type, and selected plan.
Reviews of the Best Home Warranty Companies in Delaware
Below are our detailed reviews of the top home warranty providers in Delaware.
American Home Shield
Since 1971, American Home Shield (AHS) has provided home warranty protection to homeowners in Delaware. The home warranty provider offers three plans and provides comprehensive coverage with rare protection, like coverage for items that have undetectable preexisting conditions. American Home Shield also provides monthly premium flexibility, for those who want affordable and customizable coverage.
Why We Chose American Home Shield
We consider American Home Shield to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.
We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.
AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees to fit their budget
- Sets generous coverage caps (up to $5,000 on built-in systems and $4,000 on appliances with its ShieldPlatinum plan)
- Provides coverage for unknown preexisting conditions, items damaged by rust and corrosion, and items that have been improperly installed or modified
Cons
- Charges higher monthly premiums than other providers
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
The ShieldSilver plan covers home systems, and the ShieldGold adds home appliance protection to the ShieldSilver’s existing coverage. The ShieldPlatinum covers all of the ShieldGold plan, increases coverage limits, covers roof leaks, and provides one free HVAC tune-up per contract term.
AHS also offers optional coverage for the following items: Electronic extended warranty, pool and spa, well pump, septic pump, roof leak repair, and guest unit up to 750 square feet
AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.
While pulling our quote, we discovered that AHS only offers monthly premium options. Unlike other providers on this list, it doesn’t include an annual premium.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($21 per month): Covers home systems, such as heating, cooling, and electrical
- ShieldGold ($31 per month): Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
- ShieldPlatinum ($92 per month): Covers systems and appliances and adds additional benefits, such as $1,000 for roof-leak repairs
- Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.
Choice Home Warranty
Choice Home Warranty is a good option for Delaware residents due to its affordability. The company offers budget-friendly yet comprehensive plans that cover both systems and appliances, making it a solid choice for homeowners seeking extended coverage without high costs.
Why We Chose Choice Home Warranty
The company offers consistent coverage caps of $3,000 for most key items, including HVAC systems and refrigerators. Choice also provides a repair guarantee that exceeds many competitors, covering parts for 90 days and labor for 60 days. This gives homeowners extended protection and reliable service for covered repairs.
Pros and Cons
Pros
- Backs repairs with a 90-day parts guarantee and 60-day labor guarantee
- Offers $3,000 in coverage caps for most items
- Provides affordable plans priced under $70 per month
Cons
- Charges a $2.50 fee with its monthly payment option
- Currently involved in an ongoing case with the Arizona Attorney General’s office
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. The Basic Plan provides broad coverage for 14 home systems and appliances but excludes key items like air conditioning, clothes washers, dryers, and refrigerators. The Total Plan includes these essential items, making it the better option for homeowners seeking more comprehensive protection.
Choice includes a $100 service call fee with its plans, while many providers offer multiple options to help customize pricing. This limited flexibility means homeowners must pay the set fee per claim, regardless of repair costs or provider preferences.
Below are the coverage and pricing details for Choice Home Warranty:
- Basic Plan ($59 per month): Covers 14 systems and appliances, such as built-in microwaves, heating, and plumbing
- Total Plan ($67 per month): Covers 18 appliances and systems, adding air conditioning units, clothes washers, clothes dryers, and refrigerators
- Optional add-ons: Up to 10 options, including second refrigerators, central vacuums, septic tank pumping, and limited roof-leak coverage
Elite Home Warranty
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee—a lower rate than many providers—and over 30 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Requires you to call for a quote
Plans and Cost
When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
We also learned that the company charges a standard service call fee of $70 and $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit.
- Elite Systems ($50 per month): This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.
- Elite Complete ($60 per month): The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.
- Optional add-ons: Up to 30 add-ons, including attic exhaust fans, generators, jetted/hot tubs, pool equipment, and water softeners.
AFC Home Warranty
AFC Home Warranty is a good choice for Delaware homeowners who want more control over their service technicians. It’s one of the few companies that lets you choose your own technician, making it a flexible option for those who prefer working with trusted local professionals.
Why We Chose AFC Home Warranty
AFC Home Warranty offers four plans and two service call fee options, allowing homeowners to customize their coverage. It also includes a plan-length workmanship guarantee, which keeps repairs covered as long as your account is active. This makes AFC Home Warranty a good option for homeowners looking for long-term repair protection without worrying about limited guarantees.
Pros and Cons
Pros
- Allows homeowners to choose their own technicians, a unique benefit not always offered by other companies
- Includes a plan-length workmanship guarantee
- Provides four plans and two service call fees for extended pricing flexibility
Cons
- Covers high-end appliances only with add-on purchase
- Includes lower systems coverage compared to other providers
Plans and Pricing
AFC Home Warranty offers four plan options: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. The Silver Plan offers appliance-only coverage while the other plans three provide combination protection for both systems and appliances.
The company offers flexible service call fees, allowing you to choose between a $75 or $125 option. Higher fees lower your monthly costs and vice versa. You can also select between monthly and annual billing. AFC Home Warranty also includes a three-year plan option, which provides long-term coverage and potential savings for homeowners seeking extended protection.
Here’s an overview of AFC Home Warranty’s monthly pricing and coverage:
- Silver Plan (call for a quote): Covers nine major home appliances, including clothes washers, dryers, and stoves
- Gold Plan ($44 per month): Covers 15 appliances and home systems, such as dishwashers, air conditioning, and plumbing
- Platinum Plan ($51 per month): Includes 20 covered items, including plumbing stoppages, refrigerator ice makers, and built-in microwaves
- Diamond Plan ($82 per month ): Includes everything in the Platinum Plan plus electronics, exterior water lines, and exterior sewer lines
- Optional add-ons: Up to eight options, including electronics, in-ground pool, in-ground spa, roof-leak coverage, septic system, standalone freezer, sump pump, and well pump
Liberty Home Guard
Liberty Home Guard (LHG) offers Delaware residents over 40 unique add-on options, and coverage for working systems and appliances regardless of age. Liberty also offers a 60-day workmanship guarantee on all completed repairs, which is double the industry standard of 30 days.
Why We Chose Liberty Home Guard
We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners. Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.
Pros and Cons
Pros
- Extends a 60-day workmanship guarantee
- Offers 38 unique optional add-ons, including pest control and gutter cleaning
- Provides a live-chat customer service feature
Cons
- Covers high-end appliances only with add-on purchase
- Lacks transparency about service call fees during the quote process
Plans and Pricing
Liberty Home Guard offers three coverage plans: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers nine home appliances, the Systems Guard covers six major systems, and the Total Home Guard covers all 15 home systems and appliances.
Liberty Home Guard assigns its $65–$125 service call fee to you based on your home’s size, type, and location, as well as your selected plan and add-ons. LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($57 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($62 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heaters
- Total Home Guard ($68 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 42 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage.
How Much Does a Home Warranty Cost in Delaware?
A Delaware home warranty typically averages $33–$72 per month, or about $379–$843 per year. This range is slightly cheaper than the national cost of a home warranty, which usually falls between $47 and $82 per month, depending on the customer’s chosen plan and location.
Home warranty pricing can fluctuate based on several factors, including your chosen provider, the level of coverage you select, and any add-on options you buy, such as pool or spa protection. Service call fees also influence your total cost, with some providers offering flexible options to customize your plan. Additionally, your home’s location and size can affect pricing, as some areas may have higher service and labor costs, which can increase general rates.
| Provider | Monthly Cost in Delaware | Service Fee |
|---|---|---|
| American Home Shield | $21–$92 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| AFC Home Warranty | $44–$82 | $75–$125 |
| Liberty Home Guard | $57–$68 | $65–$125 |
How We Determined Home Warranty Pricing
We analyzed nearly 4,000 home warranty quotes from 13 companies across all 50 U.S. states to estimate pricing in Delaware and nationwide. Our research included sample addresses for both smaller and larger single-family homes in Delaware cities and towns such as Dover, Greenwood, Middletown, and Wilmington. We used this data to calculate average costs at both the state and national level.
Survey Insights from Homeowners Nationwide
Our 2025 home warranty survey gave us a glimpse into customer experiences with home warranties, including feedback from 2,000 homeowners nationwide. Although only 14 Delaware residents responded to our survey, the broader results revealed meaningful trends in how Americans shop for, choose, and use their plans. We found that coverage was the top deciding factor for homeowners shopping for home warranties, with 58% of respondents prioritizing it over price (25%). Many homeowners cited the need to protect aging systems and appliances as their main motivation for purchasing a plan. Additionally, 70% of respondents selected a combination plan to achieve whole-home protection.
When it came to specific items, heating and furnace systems (31%) topped the list for system coverage, followed by air conditioning (25%) and electrical systems (20%). Water heaters were the most commonly protected appliance nationwide (44%), a trend echoed by Delaware residents. While about 30% of homeowners opted not to purchase any add-ons, those who did most often selected roof leak coverage (37%).
Among the home warranty policyholders who have recently filed a claim, 89% reported that their case was approved, with 47% receiving a repair and 39% receiving a full replacement. Overall satisfaction was high—81% of nationwide respondents saying they were either very satisfied or satisfied with their coverage. Looking ahead, 68% of current policyholders said they plan to renew their home warranty contract when the term ends, an indicator of their coverage’s value.
How We Collected Our Survey Data
To gain a clearer picture of customer satisfaction with home warranties, we conducted a 2025 survey of 2,000 policyholders nationwide. The responses revealed what drove purchasing decisions, how well the coverage met homeowner expectations, and how policyholders rated their claims and customer service experiences. We also gathered data on plan pricing, optional add-ons, and renewal intentions.
How Does a Delaware Home Warranty Work?
When a covered item breaks down, you submit a claim with your home warranty company either online or over the phone. Since most providers don’t allow you to select your own technician, you will be assigned one to visit your home once your claim is approved. The technician will diagnose the problem and repair or replace the item once you pay the service fee.
What Does a Delaware Home Warranty Cover?
Home warranty coverage typically includes the major systems and appliances in your home. Providers typically offer three plans: a systems plan, an appliances plan, and a combo plan. Systems plans cover items like plumbing, electrical, heating, and air conditioning, appliances plans protect items like ovens, refrigerators, washers, dryers, and dishwashers, and a combo plan combines the two plans for ultimate protection.
Delaware summers can bring temperatures above 100 degrees Fahrenheit, so a home warranty provides the comfort of keeping your air conditioning running and the peace of mind that costly repairs will be covered if it breaks down.
Other Resources for Residents in Delaware
Our Rating Methodology
We followed a detailed rating methodology to assess each home warranty company we reviewed. This included speaking with company representatives, gathering quotes, analyzing sample contracts, and conducting focus groups and surveys with homeowners. We also included secret shopping and our testing of 11 home warranty providers.
We scored each provider in six factors we found most relevant when selecting a home warranty. Each company was rated on these factors and assigned a point value based on its significance to homeowners. This resulted in a score of up to 100 points. The final scores were then converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: We considered the comprehensiveness of coverage, including whether the company covers standard and unique items. Companies with broad coverage and higher annual limits scored higher. Points were deducted for having long waiting periods or depreciation policies reducing payouts for aging items.
- Cost: We reviewed average monthly premiums and service call fees. Providers that offer pricing at or below the industry average without extra fees scored the most points.
- Trustworthiness: We examined customer ratings across platforms like the BBB and Trustpilot and the company’s responses to complaints. Providers with strong reputations and long workmanship guarantees received higher scores, while ongoing legal issues resulted in point deductions.
- Plan transparency: We analyzed the clarity of contract terms, policies, and disclosures. Providers with clear, detailed information scored higher.
- Customer support: We considered the number of claims filing options, response times, and the accessibility of customer support.
- Flexibility: We gave more points to providers offering a wide range of plan options, larger add-on catalogs, the ability to choose your technician, and customer-friendly cancellation policies.
