6 Best Home Warranty Companies in Florida (2024)

We recommend Liberty Home Guard for Florida homeowners who need added protection for a second air conditioning unit. The company offers over 40 add-on options, including multiple pool options and limited roof-leak coverage. 

Monthly cost: $49–$59

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

• Coverage (4.7 out of 5): The company received high scores for its specialized system and appliance plans and add-on variety.
• Value (4.25 out of 5): LHG lost points for its vague service fee policy and limited service fee flexibility. 
• Trustworthiness and Transparency (4.8 out of 5): LHG received high marks for its excellent customer support reputation. It has a 4.51 out of 5-star customer review score on the Better Business Bureau (BBB)* site but is currently not rated by the organization.  
• Availability and Service (4.3 out of 5): We deducted points for its extended claims process, which can take up to 48 hours in many cases.

LHG offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Reading the LHG sample contract told us that Florida homeowners receive coverage for two air conditioning units. Most companies limit AC coverage to one unit per service contract. Most appliances and systems receive a $2,000 cap. However, electrical and plumbing systems only receive $500, offering limited protection. 

We’ve detailed the LHG plan options below:

• Appliance Guard: This plan covers your major appliances, including refrigerators and freezers. 
• Systems Guard: This system-only plan covers major home systems such as air conditioning, plumbing, and other built-in systems.
• Total Home Guard: This combines the Appliance Guard and Systems Guard and offers the same coverage caps. 

LHG offers midrange plan pricing but has lower coverage caps than other providers. The company offers monthly and annual premiums. Our sample quote included two free months of service with an annual option. We spoke with an LHG representative about the vague service fee policy. She explained that service fees varied based on your plan, location, and add-on coverage options. Other home warranty providers offer two or more options to give you more control over your premiums. 

Here’s an overview of LHG premiums and service fees:

Liberty Home Guard offers 42 add-on options—the most of any other company in this review. Pricing ranges from $3.00 to $35.99 per month, which is average.  The company offers protection for professional appliances, second refrigerators, and stand-alone freezers. You can add roof-leak coverage for $11.99 per month. It offers the following options for pool coverage:

• Pool and spa
• Additional spa 
• Saltwater pool

We noticed many customers commented on LHG’s efficient customer support methods when examining customer reviews. We tested each contact method to determine the best options. We were connected with a representative in under one minute when we tested the customer support line. The live chat feature initially connects you to a chatbot, but you can ask for a representative instead. When we did, we were connected within 30 seconds. 

We recommend American Home Shield for older Florida homes since it protects items with physical damage and preexisting conditions. Plans include comprehensive protection for appliances and systems, plus options for roof leaks and pool protection. 

Monthly cost: $49–$109

We scored AHS 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): AHS received high scores for its three plans, all of which include cooling system coverage. 
• Value (4 out of 5): We deducted points for its expensive premium costs and high service fees. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for the company’s lower third-party review scores.
• Availability and Service (4.7 out of 5): AHS received higher scores for its convenient 24/7 claims line and online claims process.

AHS provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Examining an AHS sample contract told us that all plans offer air conditioning protection, but only two protect appliances. ShieldGold and ShieldPlatinum offer comprehensive appliance and system protection, keeping your entire Florida home secure. ShieldPlatinum includes roof-leak coverage in its standard plan, while ShieldSilver and ShieldGold require an add-on. 

Here are more details about AHS’s coverage plans:

• ShieldSilver: This system-only plan covers major home systems, such as air conditioning and plumbing.
• ShieldGold: This combined system and appliance coverage plan includes major appliances, including refrigerators and water heaters.  
• ShieldPlatinum: ShieldPlatinum extends the coverage of the ShieldGold plan by including roof-leak repairs and HVAC tune-ups. 

You can choose from a $100 or $125 service fee. Our monthly premium rate decreased when we adjusted our sample quote for the higher service fees. AHS is one of the few companies that doesn’t offer an annual premium. Its bundled plans are also priced higher than other reviewed providers. 

We’ve detailed the available AHS plans and service call fees below:

AHS only offers six add-on coverage options, compared to other providers that offer eight or more on average. You can add roof-leak coverage for $10 per month and pool protection for $18. 

The company also provides the following add-ons:

• Electronics protection plan
• Guest unit
• Septic pump

AHS provided a next-day repair for one of our team members. He contacted the company for a leaky bathroom pipe. He used the online claims portal to report his issue and received text and email confirmation after submission. The service technician contacted him five minutes later and scheduled the appointment. The technician repaired the pipe and only charged the call service fee.

We recommend Elite Home Warranty for Florida homeowners who need more flexible premiums and custom coverage. The company provides three main coverage plans and 27 add-on options to customize your policy.

Monthly cost: $44–$58

We scored Elite 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.6 out of 5): Elite scored well for its three coverage plans and extensive add-on catalog, the second largest in this review. 
• Value (4.25 out of 5): Elite lost points for offering only one standard service call fee and charging a separate high fee for high-end appliance service calls. 
• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on third-party sites and the BBB. 
• Availability and service (4.5 out of 5): Elite lost points for not offering an online quote option like other reviewed providers.

Elite offers three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. Reading through the Elite sample contract informed us that the company includes a $15,000 annual limit for its plans. You receive a $7,000 claim limit for appliances and $8,000 for systems. However, the company varies coverage caps between each item. Air conditioners receive up to $3,000 per plan term. However, if it’s part of an HVAC system, you receive a $4,000 maximum. You must add roof-leak coverage as an add-on option for every plan. 

Here’s a breakdown of Elite’s coverage plan options:

• Elite Appliances: The appliance-only coverage includes eight appliances, including clothes washers and dishwashers. 
• Elite Systems: The system-only plan covers eight systems, such as air conditioning, heating, and electrical systems. 
• Elite Complete: The highest plan combines the Elite Appliances and Elite Systems plans for comprehensive protection. 

According to our sample quotes, Elite charges a monthly premium ranging from $44 to $58. It also has a standard service call fee of $70. Elite charges $150 for high-end appliance repairs and service calls that take place after hours or on the weekend.

We’ve detailed Elite’s pricing and service fees below:

*Coverage caps vary by item

Elite provides an extensive selection of 27 add-on options. The coverage limits for Elite’s add-ons differ for each item. For example, you receive $1,500 per term for pool and spa equipment but only $1,000 for roof-leak coverage.  However, there is a total limit of $5,000 per term for all the add-ons combined.

We’ve listed some of Elite’s add-on options below.

• Freestanding freezer
• Geothermal heating and cooling systems
• Septic system

A member of our team recently tested Elite’s claims process to repair his broken high-end dishwasher. He submitted his claim online and received a call from an Elite claims specialist within 30 minutes. The technician was scheduled for a next-day appointment for the repair.

The technician arrived on the assigned day, but he realized that the repair would require parts that were out-of-stock. The technician returned the following Monday morning with the required parts, and completed the repairs in an hour. 

It’s worth noting that Elite sends technicians who are in-network to complete repairs and backs its coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

We recommend Select Home Warranty for its multiple AC unit coverage and free roof-leak protection. Select offers three plans with premiums under $50, making them perfect for Florida homeowners on tight budgets. 

Monthly cost: $44–$47

We scored Select 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (3.7 out of 5): We deducted points for its lower coverage caps, which provide less protection than other reviewed providers.  
• Value (5 out of 5): Select received a perfect score for its affordable premiums, annual options, and bonus months of coverage.  
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its lower customer review score on third-party sites such as the BBB and Trustpilot. 
• Availability and Service (4.3 out of 5): The company lost points for extended claims processing times and its restrictive service technician policy.

Select offers three plan options: Bronze Care, Gold Care, and Platinum Care. Reviewing the Select sample contract showed us that Select offers considerably lower coverage caps for most items. You receive $3,000 for HVAC coverage, but other items only receive $500. The industry standard is closer to $2,000 per covered item. We recommend Select for Florida homeowners who need low-cost HVAC system coverage. 

Here are more details about Select Home Warranty plans:

• Bronze Care: The appliance-only plan covers major systems, such as refrigerators and freezers.
• Gold Care: This system-only plan covers built-in home systems, such as HVAC and plumbing. 
• Platinum Care: This plan offers comprehensive coverage for systems and appliances and adds luxury appliances. 

Select offers monthly and annual options to fit most budgets. Our quote for an annual plan included two free months of service and $150 off. However, we couldn’t select our preferred service fee since the company assigns fees based on your location, plan choice, and add-on options. However, its service call fees, which typically cost $60–$75 per claim, are cheaper than most providers. 

Here’s an overview of Select’s premium pricing and service fee costs:

You can choose from nine add-on options to customize your plan, with pricing under $9. However, the company doesn’t have options for additional refrigerators or cooling systems. The company charges $8.33 monthly for pool coverage, one of this review’s lowest rates. 

Some examples of add-ons are listed below: 

• Septic system
• Spa
• Well pump

Our secret shopping process showed us that Select has a restrictive service technician policy. Select uses its own network of preapproved technicians, which is similar to other providers in this review. You can choose your own if the company can’t provide a technician in your area. However, Select must approve your technician before they start the repair process.

We recommend First American Home Warranty for Florida residents who own high-end refrigerators and freezers. The company offers some of the highest appliance caps in this review, providing up to $7,000 of coverage on its highest plan. 

Monthly cost: $47–$87

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): It scored well for its three combined coverage plans and higher-than-average coverage caps. 
• Value (4 out of 5): The company lost points for its higher premiums and service fees. 
• Trustworthiness and Transparency (4.8 out of 5): First American Home Warranty scored higher for its positive customer reviews and industry reputation.  
• Availability and Service (4.3 out of 5): The company lost points for its lengthy claims process and technician policy.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. Reviewing First American’s sample contract told us that the company’s basic plan lacks AC coverage and only offers protection with an add-on. However, most systems, including heating and cooling, receive unlimited coverage. The highest plan, the Premium Plan, includes coverage for window AC units. The First American Advantage upgrade allows you to extend protection to include items impacted by improper installations, modifications, and maintenance.

Here’s an overview of First American Home Warranty’s plans and coverage caps:

• Starter Plan: This plan includes some systems, such as plumbing, but offers mostly appliance-only coverage. Appliances receive a $3,500 cap, and built-in systems have no coverage cap. 
• Essential Plan: This plan extends the Starter Plan protection by adding major appliances plus air conditioners. Coverage limits remain the same. 
• Premium Plan: This plan offers full appliance and system coverage plus protections for window air conditioning units and luxury appliances. Appliance coverage limits increase to $7,000 per item. 

Our sample quote showed us that First American Home Warranty doesn’t offer any bonuses for selecting an annual plan. You can choose a $75, $100, or $125 service call fee to help customize your costs. We recommend choosing a higher service fee for a lower monthly premium.

Here’s a breakdown of First American’s premium costs:

First American Home Warranty has 12 add-ons, such as HVAC tune-ups and coverage for up to three additional refrigerators. Add-on coverage for central AC adds an additional $8.33 to your Starter Plan costs. You can also add two pool coverage plans for $20.83 per item. Limited roof-leak coverage costs $8.33 per month. 

Additional add-ons include the following coverage:

• Septic tank pumping/system 
• Water softener
• Well pump

Our team member tested the First American Home Warranty claims process to resolve a broken garage door opener. He submitted his claim online and received a text confirmation with the technician’s information. A technician contacted him within 30 minutes and set an appointment for the repairs. The claim was filed on a Friday, and the appointment was set for the following Monday. The repairs took less than 30 minutes to complete, and he only paid for the service call fee.

We recommend Choice Home Warranty for Florida homeowners seeking budget-friendly comprehensive protections. The company offers appliance and system protection under its two plans while keeping its premiums under $60 per month.

Monthly cost: $46–$55

We rated Choice Home Warranty 4.5 out of 5 in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): Choice scored well for its coverage caps, which exceed the industry standard of $2,000. 
• Value (3.75 out of 5): We deducted points for its limited service call fee selection. 
• Trustworthiness and Transparency (4.7 out of 5): Choice received a high score thanks to its 90-day workmanship guarantee, three times the industry standard.  
• Availability and Service (4.7 out of 5): Choice received a high score for its efficient claims process, which begins as soon as four hours after submission.

Choice Home Warranty provides two coverage plans: Basic Plan and Total Plan. Our other reviewed providers offer at least three options. We read Choice Home Warranty’s sample contract and learned that certain essential items are excluded from the Basic Plan. These items include air conditioners, refrigerators, and clothes washers and dryers. Most providers include these particular items within their standard coverage. You must choose the Total Plan to receive protection for these items. However, Choice does offer a $3,000 cap for its covered items, which exceeds the average industry standard of $2,000.

We’ll review Choice’s coverage plans below:

• Basic Plan: This comprehensive plan covers 14 systems and appliances, such as heating, stoves, and plumbing. 
• Total Plan: The highest plan includes 18 appliances and systems, adding coverage for air conditioning, clothes washers, clothes dryers, and refrigerators.

Choice Home Warranty provides annual and monthly plan premiums. However, our sample quote included a $2.50 monthly fee for selecting a monthly option. In addition, the company offers only a $100 service call fee with every plan. Most providers offer two or more options for better pricing flexibility.

Here’s an overview of Choice Home Warranty’s pricing and coverage caps:

Choice Home Warranty provides 11 plan add-ons, which is the typical average for most providers. Pricing ranges from $3.33–$15, which is less expensive than other reviewed providers. Some of its more affordable add-ons include roof-leak for $5.83 per month and second refrigerators for $3.33.

Additional add-on options include the following items: 

• Central vacuum
• Stand-alone freezer
• Septic tank systems

Based on our research, Choice Home Warranty has received mixed reviews from homeowners. While the company currently holds a B rating with the Better Business Bureau, some customers have reported issues with long wait times for repairs and difficulty reaching customer service.

In 2019, the Arizona Attorney General filed a consumer fraud lawsuit against Choice. This ongoing case alleges that the company used contractual fine print to avoid covering repair costs.

Homeowners should carefully evaluate if Choice Home Warranty is a suitable provider for their needs.