5 Best Home Warranty Companies in Florida (2024)
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Florida’s humid, blistering summers can push your air conditioning system to its breaking point. Even with proper upkeep and maintenance, you may find yourself having to foot an expensive repair bill while suffering through the heat. Thankfully, reliable home warranty coverage eases the financial burden in the event of a breakdown. Some home warranty providers even help keep your system working at peak performance by offering free tune-ups, cleanings, and other bonuses.
To help you find the best home warranty in Florida, our team researched and vetted 13 top home warranty companies across the country. Our research process included analyzing each company’s policies, combing through sample contracts, surveying over 2,000 home warranty customers, reading more than 5,700 reviews, and testing 11 brands firsthand. Based on this data, we chose 13 leading providers and scored them on the six factors we found that homeowners care most about when shopping for a home warranty: coverage, value, trustworthiness, transparency, customer support, and flexibility.
We chose the five best home warranty companies in Florida from this list. Each company follows the rules and regulations set by Florida’s Department of Financial Services (DFS), an office under the state’s Office of Insurance Regulation that oversees home warranty companies. This means each company adheres to strict regulations, such as allowing cancellations within 10 days with a refund of 100% of the premium and clearly outlining exclusions, limitations, restrictions, and other contract elements.
Key Takeaways
- We chose Liberty Home Guard as our top home warranty provider in Florida due to its generous HVAC coverage.
- A Florida home warranty costs an average of $672 annually, or $46–$79 per month.
- Our survey of 2,000 home warranty customers revealed that 92.7% were satisfied with their home warranty plans.
Compare Our Top 5 Florida Home Warranty Companies
The following table compares the 13 home warranty companies we rated on crucial factors like pricing, service fees, and warranty coverage. We chose our top five from these companies by evaluating the qualities and coverage important to Florida homeowners, specifically. For example, if a company doesn’t offer coverage for AC units (a major home system for Floridians), it didn’t make this list regardless of its performance in our overall review standards.
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| #1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | #5 out of 13 companies | #6 out of 13 companies | #7 out of 13 companies | #8 out of 13 companies | #9 out of 13 companies | #10 out of 13 companies | #11 out of 13 companies | #12 out of 13 companies | #13 out of 13 companies | |
| B | NR | B | B | A+ | B | B+ | A | B | A | A+ | C+ | A- | |
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Monthly Cost |
$49–$109 | $49–$59 | $47–$87 | $44–$47 | $44–$59 | $34–$92 | $30–$56 | $27–$70 | $46–$55 | $4–$70 | $40–$50 | $50–$60 | $39–$130 |
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Service Fees |
$100–$125 | $65–$125 | $75–$125 | $60–$75 | $70 | $75–$125 | $100–$150 | $65–$100 | $100 | $100 | $50–$125 | $65–$125 | $55 |
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Customer Support Options |
Phone, Online Portal | Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
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Response Time |
Up to 48 hours | Up to 48 hours | 4–48 hours | 48-84 hours | Up to 48 hours | 24-48 hours | 2–24 hours | Up to 48 hours | 24–48 hours | Within 24 hours | 24–48 hours | 12-48 hrs. | 24–48 hours |
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Summary |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems. |
We recommend Cinch Home Warranty for homeowners who want coverage for items most providers don’t cover, such as built-in food centers and free-standing ice makers. |
We recommend 2-10 Home Buyers Warranty for homeowners who want the most affordable appliance-only coverage. |
We recommend Choice Home Warranty for homeowners who want an affordable basic plan with generous coverage limits for most items. |
We recommend HomeServe for homeowners who want diverse plan options, as it offers up to 18 individual plans with varying coverage. |
We recommend America’s Preferred Home Warranty for homeowners who want an easy claims process that can be completed online. |
We recommend The Home Service Club for homeowners who want quick coverage without a home inspection required for it to kick in. |
We recommend American Residential Warranty for homeowners who want an affordable service call fee paired with customizable plans. |
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Promotions |
Labor Day Sale: 50% OFF Select Plans | $200 Off + 2 Months Free + Roof Leak Protection | $200 Off with Code FA200 | Use code HOUSE25 for $150 off + 2 months free | $150 off + 30-day free trial | Labor Day Sale: 30% Off All Plans | First 2 months free on all plans | Get your free quote today! | $50 off + 1 month free | 20% off your annual policy | Everyday Low Prices! | ||
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Rating Categories |
American Home Shield | Liberty Home Guard | First American Home Warranty | Select Home Warranty | Elite Home Warranty | AFC Home Warranty | Cinch Home Services | 2-10 Home Warranty | Choice Home Warranty | HomeServe | America’s Preferred Home Warranty | The Home Service Club | American Residential Warranty |
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Flexibility |
Learn How Home Warranties Work in Florida
While the video below isn’t specifically for Florida home warranties, it will give you a general idea of how home warranties work and the coverage and benefits offered.
Our Top-Rated Florida Home Warranty Companies
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Best Overall:
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Best for Comprehensive Coverage:
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Best Appliance Coverage:
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Best Value:
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Flexible Coverage :
How We Selected the Top Home Warranty Companies in Florida
Florida’s extreme heat and humidity and high housing costs make choosing the right home warranty essential to protect your wallet from high repair costs and ensure systems like HVAC are repaired promptly. Our team did the research to help you make a more informed decision.
We used this research to rate 13 companies against our review standards, assessing each provider on six factors homeowners find most important: coverage, value, trustworthiness, plan transparency, customer support, and flexibility. The following chart compares the prices of our top five recommended home warranty companies in Florida against their overall scores in our review standards.
Coverage
This category looks at each company's coverage caps for key systems and major appliances:
- Clothes washers and dryers
- Electrical systems
- HVAC system
- Plumbing systems
- Refrigerators (and other kitchen appliances)
Companies earned points based on how closely they align with or exceed industry-standard rates for coverage caps on these items. Typical coverage caps are $2,000 for standard systems and appliances and $500 for add-ons. We docked points from providers offering coverage caps lower than these rates. Companies also lost points if they have a waiting period for coverage to start that’s longer than the industry standard of 30 days or if they impose aggregate coverage limits on claim payouts, which means they apply an overarching limit to coverage caps across policies for a year.
When making recommendations for Florida homeowners, we prioritized home warranty companies with the best HVAC system coverage and roof leak coverage due to the state’s high temperatures and heavy rainfall. Note that home warranties differ from homeowners insurance, which doesn’t cover HVAC repairs for regular wear and tear or routine breakdowns. We also paid extra attention to the waiting period, as you don’t want to be stuck sweating it out while you wait for service on your broken AC.
Companies earned additional points if they provide nonstandard benefits or quality-of-life bonuses. For example, covering preexisting conditions or offering maintenance discounts and coverage upgrades.
First American Home Warranty and Choice Home Warranty stood out in this category for their comprehensive coverage options and generous benefits. For example, First American provides an unlimited system cap with no aggregate limit. Choice offers $3,000 coverage caps for most items, 50% more than the industry standard of $2,000. Both companies have multiple quality-of-life benefits, such as coverage of preexisting conditions. These bonuses can benefit homeowners with older systems, as some companies deny coverage for aging items or those with preexisting conditions.
Here’s a breakdown of how each company performed in this category:
Value
The purpose of a home warranty is to protect you from paying high repair and replacement costs and provide quick and efficient service in the event of an item breakdown. A home warranty is only worth it if it saves you money, time, peace of mind, and convenience in the long run. This category assesses providers on these factors. The more bang homeowners get for their buck, the more points the company earns.
We compared each company's average monthly cost and service call fees. The lower the cost, the more points a provider earned. Companies also earned points for offering multiple payment options, such as annual or monthly payment plans. Due to Florida’s high cost of living and competitive housing market, having an affordable home warranty and multiple payment options allows homeowners to better budget their expenses.
Companies lost points for charging harsh extra fees, such as surcharges for choosing a monthly payment option. We also deducted points for depreciation policies and undisclosed services.
Few companies did well in this category due to their higher service call fees or policy costs. The only standout was Select Home Warranty. Its monthly cost is about $10 less than the industry standard of $59 per month, and it offers impressive HVAC coverage for the price, making it a great choice for Florida homeowners on a budget.
Here’s a breakdown of each company’s value score:
Trustworthiness
If you go on social media or message boards searching for information on home warranties, you’ll quickly find that many people think the industry is dishonest. That’s why we review each company critically, looking out for scams, shady business practices, and negative customer experiences. For us to recommend a company, it must go out of its way to prove it's legitimate and will deliver on what it promises. There are plenty of small, less-than-honest home warranty companies in booming states like Florida, so ensuring that your home warranty provider is reliable is a must.
This category judges a company on its overall trustworthiness and customer perception. We read customer reviews from independent review sites, such as the Better Business Bureau (BBB), and averaged their scores. We also awarded points to companies that provide a valuable, long-lasting workmanship guarantee—any company with a guarantee above the industry standard of 90 days received high points. We gave additional points to companies that belong to a recognized trade organization and deducted points for any ongoing lawsuits.
Liberty Home Guard, Elite Home Warranty, and First American Home Warranty scored exceptionally well in this category. Liberty Home Guard has over a 4-star rating across major independent review sites. It gives its customers a 60-day workmanship guarantee, twice as long as the industry standard of 30 days.
First American scored high due to its strong customer review scores and membership in the National Home Service Contract Association (NHSCA). Members of the NHSCA adhere to a strict code of ethics designed to promote ethical business practices. First American’s only downside is its 30-day workmanship guarantee.
Elite Home Warranty performed the best in this category due to its exceptionally high customer review scores and the longest workmanship guarantee on this list: 90 days.
See how each of our top Florida providers rated for trustworthiness:
Plan Transparency
Homeowners need to understand how home warranties work and what’s included in their contracts. Having a clear, comprehensive grasp of a plan’s inclusions, exclusions, coverage caps, and policies allows you to make informed decisions regarding your policy. Lacking this information can lead to coverage gaps, surprise charges, and denied warranty claims. Homeowners in areas where immediate home repairs and system coverage are essential, like Florida in the summer, should look for a transparent and clearly defined plan.
This category rated each company based on how transparent and clearly defined its plans are. We read through each provider’s website and sample contract to analyze details, disclosures, and language, including policy clarity, specificity, and terminology. Home warranties with clear coverage, exclusion, and service call fee disclosures earned more points. Companies with vague terminology or missing details on their websites, such as hidden fees or service provider policies, received fewer points.
The resounding winner in this category was American Home Shield. AHS clearly discloses its plan policies on its website and offers an easy-to-read sample service contract. It also shares easily accessible, detailed information on coverage caps, exclusions, and service call fees on its website. Few companies we’ve come across have provided such clear and detailed plan disclosures, earning it a perfect score.
Here’s a breakdown of each company’s transparency score:
Customer Support
When you need immediate assistance to get your systems up and running in the sweltering Florida heat, you want a home warranty provider that offers prompt and helpful customer service. Companies that offer quality-of-life features that help customers in these difficult situations create an easier and more efficient experience.
Home warranty providers earned points in this category for offering multiple ways to file a home warranty claim, such as a 24/7 claims line or dedicated mobile app. We also considered the time it takes for a company to process a claim; companies that take longer than the industry standard of 24–48 hours lost points. Companies that offer multiple means of communication, including phone, email, and online chat support, earned more points.
Liberty Home Guard and American Home Shield both scored highly in this category. Each offers 24/7 claims lines, dedicated apps, email support, and 24–48-hour claim processing time. They also provide dedicated apps, a rare feature for home warranty companies. Out of the two, LHG stood out for offering an online chat feature, which connects you to customer support in just a few seconds and allows you to speak with a representative at any time to schedule repairs or ask for assistance.
Below are the customer support scores for each provider:
Flexibility
Coverage for systems like pools, sump pumps, and spas (all popular in Florida) aren't always available in basic home warranty plans and are more often offered as add-ons. Flexible plan options allow you to get coverage for these items while also ensuring you don’t overpay for coverage you don’t need
Companies with two or more plan options earned maximum points in this category. Providers also earned more points by offering at least two service call fees, allowing you to choose the rate that best suits your budget. Additionally, companies that allow homeowners to source their own technicians instead of using the home warranty’s preapproved network scored higher.
First American Home Warranty performed the best for flexibility. It offers coverage options for systems and appliances, including comprehensive HVAC protection. It also offers the First American Upgrade for its Essential and Premium Plans at no extra cost. This upgrade includes coverage for preexisting conditions and items with modification or maintenance damage.
Here’s how each company scored for flexibility:
Our Top Florida Home Warranty Companies
We selected the following five home warranty companies as the best options for Florida homeowners based on our extensive research process outlined above. We looked for providers with plans, coverage options, and bonuses that most benefit Floridians. For example, due to Florida’s high heat, increased humidity, and heavy rainfall, we only chose companies that offer generous HVAC and roof leak coverage—two of the most important items for Florida homeowners. Even if a company scored well in our overall rating criteria, we excluded it from our list if it failed to offer coverage for Florida-essential issues.
Best Overall: Liberty Home Guard
What We Liked
- Provides 42 add-on options, more than any provider we reviewed
- Includes HVAC coverage under two of its three plans rather than as an add-on
- Offers a 60-day workmanship guarantee, twice the industry standard
What We Didn't Like
- Has negative reviews that point to low claim payouts
- Offers lower-than-average plumbing coverage rates
Our Scores
Liberty Home Guard earned a score of 4.6 out of 5 stars. Its best-performing categories are “Customer Support” and “Trustworthiness,” while its lowest score is in “Plan Transparency.”
Our Review
We chose Liberty Home Guard (LHG) as one of the best home warranties in Florida due to its generous HVAC inclusions and extensive add-on selection. Though its coverage caps for HVAC systems are only midrange, we like that HVAC is automatically covered in two of its three plans. HVAC coverage is typically offered as an add-on to standard plans for an extra fee. LHG’s Systems Guard and Total Home Guard plans include a $2,000 coverage cap for HVAC systems. These two plans also cover up to two heating and cooling units, which most other providers don't offer. This comprehensive coverage of heating and cooling systems makes LHG a solid choice considering the heat and humidity in Florida.
We also like that LHG offers 42 add-on options, the most of any provider we reviewed. This wide selection gives you the flexibility to build a plan that meets your home's needs without overpaying for coverage you don't need. Some of the company’s best add-ons for Florida homeowners include swamp coolers, pools and spas, lawn sprinklers, and sump pumps.
While LHG offers plenty of benefits, it does have some downsides. For example, LHG has limited electrical and plumbing caps of $500, $2,500 below the industry standard. This is especially relevant for Floridians since most parts of the state have hard water, which can corrode your pipes more quickly. We also don’t like that LHG assigns your service call fee, which can range between $65 and $125. Most home warranty companies let you choose between multiple fees for more control over your price.
Customer Reviews
- Excellent customer support
- Quick claims process
- Knowledgeable technicians
- Vague depreciation policy
LHG has some of the highest customer satisfaction scores of any company we researched. It has 2,400 BBB reviews with an average rating of 4.47 out of 5 stars. Its Trustpilot page is even more impressive, with more than 3,100 reviews and an average score of 4.7 out of 5 stars. It’s currently not rated by the BBB due to a “pattern of complaints” about its claims process, customer service, and sales tactics. However, we’re unconcerned because the strong customer reviews back up its service and the company is taking steps to remedy these issues by introducing software to improve the scheduling and claims process, hiring more customer service reps, and increasing training.
Positive reviews mention responsive, polite representatives and impressive 24-hour availability. We tested the company ourselves by contacting the customer support line. We were connected to a representative in less than one minute. Other positive comments praise LHG’s rapid claims response time, which often took only 24 hours.
Critical reviews point out the company's low payouts on claims. For example, one Florida customer filed a claim for their AC system and was offered only $250. Though the customer didn’t mention how high they believe the payout should have been, they said they called over 20 times in the course of three months before getting this offer.
According to several reviews, the vague outline of LHG’s payout process combined with its age depreciation policy leads to lower-than-expected payouts. We reviewed these parts of the sample contract and can confirm that these policies are open-ended enough to result in lower claim payouts.
Best for Comprehensive Coverage: American Home Shield
What We Liked
- Has a $5,000 cap for HVAC, which is generous for repairs in warmer states like Florida
- Offers discounts for annual HVAC tune-ups and air filters in its highest plan
- Covers preexisting issues and physical damage, benefiting older homes
What We Didn't Like
- Is expensive compared to other companies
- Has a limited add-on catalog
Our Scores
American Home Shield earned a score of 4.8 out of 5 stars. It did best in “Plan Transparency” and “Coverage” but poorly in “Value.”
Our Review
American Home Shield (AHS) is a good choice for Florida homeowners thanks to its $5,000 cap for HVAC per plan term. HVAC systems are one of the most essential components of a Florida home and cost an average of $300–$500 to repair. AHS’ high coverage caps mean you can likely repair your HVAC system for only the $100–$125 service fee, saving you at least half the cost.
AHS offers roof leak coverage as an add-on, which will help protect your home during hurricane season and Florida's frequent downpours. The best benefit is its free seasonal HVAC tune-up included in the ShieldPlatinum plan. With this, you can keep your system running at peak performance during summer.
Another major bonus is AHS’ coverage for preexisting conditions. Most home warranty companies don’t cover preexisting conditions or have a depreciation policy that lowers the payouts for old and damaged items. This coverage makes AHS a great choice for older Florida homes.
AHS’ biggest downside is its steep monthly prices. Even considering that it provides more comprehensive coverage than other companies, its costs are significantly higher than the industry standard. Its service fees are equally expensive, starting at $100, almost twice that of the industry standard. What’s more, AHS’ only offers six add-ons—electronics, guest unit, pool and spa, roof leak repair, septic pump, and well pump—meaning there’s little room for customization. Ultimately, we think AHS has some of the best plans out there, but you’ll pay a premium for it.
Customer Reviews
- Efficient claims timelines
- Simple claims process
- Helpful support
- Underskilled technicians
AHS has mixed customer reviews across third-party sites. It has more than 11,000 BBB reviews and an average of 2.1 out of 5 stars. However, its Best Company page features nearly 34,000 reviews and an average score of 4.1 out of 5 stars.
Positive reviews applaud its timely claims processing, with some comments noting responses in less than 24 hours. Other customers praise AHS’ attentive staff, simple claim submission process, and well-designed app. We read multiple reviews that complimented AHS’ prompt, polite staff and generally superb customer service. One Florida homeowner was pleased that AHS scheduled their appointment within a couple of days, and the repair technician fixed their broken HVAC unit within an hour.
Common complaints include inconsistent service visits, with some technicians failing to meet customer expectations. One review mentioned AHS sending three technicians to repair their AC, which took several weeks. This is a common complaint among home warranty providers, as it's difficult to maintain technician consistency across such wide service areas. Like with any home service, inconsistent work quality is an unfortunate part of the business. To avoid this, we recommend looking at your local AHS branch’s location reviews, specifically noting those that mention the quality of regional technicians.
Best Appliance Coverage: First American Home Warranty
What We Liked
- Has unlimited caps for HVAC and other systems
- Offers 12 add-ons for plan customization
- Includes an upgrade for preexisting condition coverage
What We Didn't Like
- Excludes laundry appliances, air conditioning, and other essentials in its lowest plan
- Requires a higher-tier plan for appliance coverage
Our Scores
We awarded First American Home Warranty a score of 4.5 out of 5 stars. Its most impressive categories are “Coverage” and “Trustworthiness,” and it scored lowest in “Transparency.”
Our Review
First American Home Warranty's comprehensive HVAC coverage in two of its three plans and unlimited caps for HVAC and ductwork are especially beneficial to Florida homeowners. The company also has coverage caps of up to $7,000 for appliances, making it appealing for those seeking coverage for high-end appliances.
First American offers the First American Upgrade for its Essential and Premium Plans at no extra charge. This upgrade covers preexisting conditions as well as items damaged by improper modification or maintenance. Essentially, this means that older, damaged items can still be protected. No other company in this review offers this level of protection, especially for older, worn-down items.
First American falls short when it comes to basic plan coverage. Its Starter Plan doesn’t cover AC systems and other essentials, such as laundry appliances. For us, this is a notable issue since most companies cover these items in basic plans. If you want AC coverage in First American’s basic plan, you’ll need to purchase it as an add-on.
Customer Reviews
- Efficient claims processing
- Quick technicians assignments
- Excellent support staff
- Poor repair results
Customer reviews for First American are overall mixed. It has a score of 1.78 out of 5 stars on the BBB with over 1,800 reviews. That said, it has 4.1 out of 5 stars with 14,400 Trustpilot reviews. Of the two sites, we believe Trustpilot better represents overall customer sentiments. BBB reviews skew more negative across the entire home improvement industry. Plus, the review count on Trustpilot is almost 10 times that of the BBB, providing a much more reliable sample size.
Positive reviews praise the company’s claim process, noting it’s easy to use, quick, and efficient. We tested the claim process ourselves and found the system simple and intuitive, with our claim being processed and a technician assigned within 30 minutes of filing.
The most common complaints we noticed revolved around poor repair quality, claim denial, and long wait times. For example, one Florida customer said they waited months for an AC repair due to the contractor rescheduling appointments the day of. We also saw multiple comments stating that their claim was denied due to direct damage and not normal wear and tear. Unfortunately, both of these problems are common across the home warranty industry. Some comments specified that the long wait times for AC units were the result of technicians needing replacement parts, another common occurrence in the industry.
Best Value: Select Home Warranty
What We Liked
- Provides $3,000 of HVAC coverage at less than $50 per month—a higher cap for a lower cost than most providers
- Covers roof leak repairs in every plan
- Offer a diverse selection of combined and separate plan options for more customization
What We Didn't Like
- Has low coverage caps of $400–$500 for most items
- Has a restrictive service call fee policy
Our Scores
We awarded Select Home Warranty a score of 4 out of 5 stars. Its best categories were “Value” and “Customer Support.” Its worst score was in “Coverage.”
Our Review
Select Home Warranty offers one of the best plans for Florida homeowners due to its impressive $3,000 coverage caps for HVAC systems at less than $50 per month. This is easily the most generous option for HVAC coverage in this article when you consider the monthly cost. Our No. 1 pick, Liberty Home Guard, charges $55 for a lower HVAC coverage cap of $2,000, making Select a better option for homeowners who want the most value for their dollar.
Another major benefit for Floridians is Select’s free roof leak coverage, which is included in every plan. Roof leak coverage is typically only offered as an add-on or included in the most expensive plan. This is appealing considering Florida’s high rainfall.
The reason Select is lower on our list of five is that it has a significant downside. It only offers $500 coverage caps for almost all items, well below the industry standard. Essentially, Select is fantastic if you’re only concerned about HVAC and roof coverage (two of the most important items in Florida) but subpar for everything else.
Customer Reviews
- Affordable plans
- Considerate sales team
- Friendly customer support
- Multiple service call fee charges
Select’s customer review scores are inconsistent on independent review sites. Its BBB page has over 2,000 reviews averaging 1.31 out of 5 stars. On Trustpilot, it has 4,800 reviews averaging 3.7 out of 5 stars. These scores are the lowest of any company in this review.
Positive reviews compliment Select’s low rates, simple claims process, and professional sales reps. One reviewer talked about their experience with a sales representative, saying the person walked them through their plan options, wasn't pushy, and was highly knowledgeable.
Critical responses note long phone wait times and frequent claim denial. Of these issues, we found the phone support wait time to be the most troubling. If you need help with a claim ASAP, a 20-minute wait can be frustrating. Some customer responses even claimed wait times as long as half an hour.
Multiple Florida homeowners specifically note claim denial issues and long repair wait times for AC units. Issues such as seemingly unfair claim denials are unsurprising and common in the industry. We recommend carefully reading your policy to better understand your plan's coverage. A thorough understanding of your policy will help you avoid these situations.
Flexible Coverage : Elite Home Warranty
$150 off + 30-day free trial
What We Liked
- Offers HVAC coverage under two plans
- Has a 90-day workmanship guarantee, three times longer than average
- Provides higher coverage for high-end appliances
What We Didn't Like
- Has high service fees
- Doesn’t offer a workmanship guarantee for out-of-network technicians
Our Scores
Elite Home Warranty earned an overall score of 4.5 out of 5 stars. It performed best in “Trustworthiness” and “Coverage” but lowest in “Value.”
Our Review
We recommend Elite Home Warranty for Florida residents due its impressive air conditioning system coverage under two of its policies, the Elite System and Elite Complete plans. Most companies don’t cover AC automatically in their plans. Instead, they offer it as an add-on for an extra fee. When we read Elite’s sample contract, we found that its coverage caps for air conditioning systems are $3,000 if stand-alone or $5,000 if part of an HVAC system. This generous coverage is between $1,000–$3,000 more than the industry standard.
Elite’s coverage caps are also impressive for most other items. It has a $15,000 annual aggregate limit for its plans, meaning you can claim up to $15,000 across all items per year. This limit breaks down to $7,000 for home appliances and $8,000 for systems. Each plan has specific caps per covered item; for example, its plumbing system coverage cap is $2,000 per year. We also like Elite’s 90-day workmanship guarantee. This is 60 days longer than average, providing more secure financial protection in the event of workmanship errors.
Elite’s most notable drawback is its service call fee policy. Essentially, the more expensive your appliance, the more Elite can charge you for a service call fee. The baseline price for Elite’s service call is $70, which is in line with the industry average but will increase to above the average with a more costly item.
Additionally, its 90-day workmanship warranty only applies to in-network technicians. While we don’t like this policy, it makes sense and is common in the industry—after all, providers only want to guarantee the work of technicians they’ve personally vetted.
Customer Reviews
- Polite representatives
- No-pressure sales
- Speedy claim processing
- Spammy sales calls
Elite Home Warranty has the fewest reviews of any company on this list. As of writing, it has 90 reviews and a 4.7 out of 5-star score on Trustpilot. Its BBB page has more to go on, with 455 reviews and a score of 4.97 out of 5. Considering the small sample size on Trustpilot, we mostly referred to the BBB reviews for our analysis. While none of the reviews we read explicitly mentioned Florida, customers referenced home issues common to Floridians, like AC breakdowns.
Even accounting for its small sample sizes, Elite has some of the most impressive customer review scores we’ve seen on the BBB. Positive reviews praise the company’s polite, courteous, and knowledgeable sales and customer support representatives. One commenter explained that the sales rep she worked with was kind, patient, and lacked an “upsale mentality,” even claiming that the rep helped find discounts for her plan.
We were only able to find three negative reviews (below three stars) on the BBB and Trustpilot. Two of these were from the same customer who made an account on both sites. One comment complained about subpar customer support; the other mentioned spammy phone calls. We don’t believe these two responses give us enough information to speak to the major negatives of Elite’s customer experience. However, spammy phone calls are an issue for most home warranty companies. In general, if you’re not interested in speaking with a company you’ve previously reached out to, ask them to add you to the do-not-call list.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.