A Florida home warranty can protect residents from paying expensive repair and replacement costs if a major home system or appliance breaks down due to normal wear and tear. Not to mention, having a home warranty plan can help expedite necessary repairs or replacements and prevent people from spending hours looking for a local, trusted contractor.
To make your warranty search easy, the This Old House Reviews Team has done the work for you. In this review, we’ll discuss the best home warranty companies in Florida and help you find the right home appliance insurance plan for your home.
Florida’s Top 4 Home Warranty Companies
The highest rated home warranty companies in Florida include:
- American Home Shield: Our Overall Top Pick
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
Our team took plan options, pricing, coverage, customer reviews, claims processes, and a variety of other factors into account when determining the best home warranty providers in Florida. Here are our top four picks.
American Home Shield
American Home Shield (AHS) is the best home warranty provider for Florida homeowners. AHS covers a variety of systems and appliances in your home and has three plan options to choose from.
Pros and Cons
✔ Has been around for more than 45 years and is a veteran in the home warranty industry
✔ Provides generous coverage caps on systems and appliances
✔ Offers 24/7 customer service
✘ Doesn’t offer many optional add-ons
Plans and Pricing
American Home Shield has three plan options to choose from: ShieldPlatinum™, ShieldGold™, and ShieldSilver™. To be eligible for coverage, all covered items must have broken down or failed due to normal wear and tear and be in proper working condition upon your warranty’s start date.
AHS also provides coverage for the following optional add-ons: Electronics extended warranty, pool and spa, well pump, septic pump, guest unit under 750 square feet
In general, AHS plans cost between $48 and $50 per month. The company also has three service fees to choose from: $75, $100, and $125. If you choose a higher service fee, you’ll likely receive a lower premium.
Learn more: American Home Shield Review
Liberty Home Guard
Liberty Home Guard (LHG) is worth consideration for any Florida homeowner who values responsive customer service and the ability to customize coverage with a long list of additional coverage options.
Pros and Cons
✔ Provides a 60-day workmanship guarantee on all repairs
✔ Allows customers to contact support through live chat
✔ Offers 38 additional coverage options
✘ Limits plumbing and electrical coverage to $500
✘ Doesn’t show the service call fee during the quote process
Plans and Pricing
LHG offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. As the names suggest, the Appliance and Systems Guard plans cover home appliances and systems, respectively. Total Home Guard combines all the covered items in the two separate plans.
Liberty Home Guard also provides coverage for a long list of add-on options: Additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, in-fridge ice maker, instant hot water dispenser, lawn sprinkler system, lighting fixtures, limited roof leak, pest control, plumbing fixtures, pool and spa, pro-series clothes dryer, pro-series dishwasher coverage, pro-series microwave, pro-series range/oven/cooktop coverage, pro-series refrigerator coverage, pro-series washing machines, re-key services, reverse osmosis water filter system, saltwater pool, second refrigerator, septic system pumping, stand-alone freezer, sump pump, swamp cooler, trash compactor, water dispenser water line, water softener, well pump, window washing/cleaning, and wine cooler/fridge
According to our quote, customers can expect to pay between $70 and $80 per month for an LHG plan, excluding add-ons. Liberty Home Guard will assign a service call fee between $65 and $125 to your account. This fee will be based on your plan, location, and add-ons.
To request a free quote, call 866-452-9107 or fill out Liberty Home Guard’s quick form.
Learn more: Liberty Home Guard Review
Select Home Warranty
If you’re on a budget, Select Home Warranty might be a good choice. Select has been in business for seven years and offers three plan options.
Pros and Cons
✔ Provides free roof leak coverage and optional septic system coverage
✔ Covers rental properties, mobile homes, manufactured homes, and condos
✔ Offers two extra months free of coverage when you sign up today
✘ Doesn’t cover fixtures
✘ Low coverage caps
✘ Could get charged multiple service fees during a visit if there are multiple types of repairs
Plans and Pricing
Select Home Warranty has three plans: Gold Care, Bronze Care, and Platinum Care. Gold Care covers home systems like cooling and ductwork, Bronze Care covers appliances like your garbage disposal and built-in microwave, and Platinum Care covers all major home systems and appliances.
Select also offers optional coverage for these items: Second refrigerator, stand-alone freezer, central vacuum, refrigerator ice maker, septic system, lawn sprinkler system, well pump, sump pump, pool/spa equipment, plumbing fixtures, lighting fixtures, switches, outlets
In general, customers should expect to pay between $40 and $46 per month for a Select Home Warranty plan. For each claim, you will be required to pay a $75 service fee.
Learn more: Select Home Warranty Review
First American Home Warranty
First American Home Warranty (FAHW) provides some of the most affordable plans in the industry.
Pros and Cons
✔ Offers flexible payment options for customers
✔ Has a risk-free, 30-day, money-back guarantee
✔ Has a claims department open 24 hours a day, seven days a week
✘ Can’t get A/C coverage without an add-on
✘ No roof coverage
Plans and Pricing
First American Home Warranty has two plans: The Basic Plan and The Premier Plan. The Basic Plan covers home appliances while the Premier Plan covers all major home systems and appliances. Other optional add-ons include additional refrigeration, central air conditioning, pool and spa equipment, and a well pump.
You can also get optional-add on coverage for these items: Central air conditioning, additional refrigeration, pool/spa equipment, well pump, First Class Upgrade, septic tank pumping/system, HVAC tune-up
What makes First American stand out is its First Class Upgrade which covers improperly installed, modified, or maintained appliances.
In general, customers will pay between $28 and $44 per month for a plan. All plans have an $85 service call fee, payable online or to the technician at the initiation of a claim.
Learn more: First American Home Warranty Review
The This Old House Reviews Team recommends these four home warranty companies for Florida homeowners. American Home Shield has the decades of experience and positive brand reputation to have a long track record of providing reliable service. Its plans are also comprehensive with generous coverage caps and flexible pricing. Liberty Home Guard is another great choice for homeowners who want the flexibility to choose from a long list of add-on options. Select Home Warranty and First American Home Warranty are worthy of consideration for any homeowner seeking budget-friendly prices.
Before buying a home warranty and making a final decision, we encourage you to get quotes from several of these providers. Once you have quotes from a few companies, compare coverage options and try to price match with your favorite company to get the best deal possible.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.
Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.
To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:
- Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
- Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
- Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
- Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.
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