4 Best Home Warranty Companies for Condos (2024)

Learn about the importance of condo protection and our favorite providers for coverage.

Owning a condominium or townhouse varies slightly from owning a single-family home. However, just like with single-family houses, condo home insurance only covers certain types of catastrophic damage, which means your condo’s systems and appliances won’t be protected from issues that occur from a lifetime of use. A condo home warranty safeguards your budget from repair costs due to normal wear and tear.

After reviewing dozens of trusted home warranty companies with condo warranties, we picked four companies we believe offer the best coverage. Lear about our picks and the benefits of this type of warranty in the guide below.

Advertisement

This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.

Best Customer Support

4.4

$200 Off + 2 Months Free + Roof Leak Protection

Best Comprehensive Coverage

4.8

$150 off any plan

Best Basic Plan Coverage

4.7

CYBER SALE: $75 OFF + 1MONTH FREE!

Best for Flexible Coverage

4.6

$150 Off + 1 Month Free. 30-Day Free Trial

Top 4 Home Warranty Companies for Condos

Here are our top picks for home warranty providers that cover condominiums and townhouses:

• Best Customer Support: Liberty Home Guard
• Best for Comprehensive Coverage: American Home Shield
• Best for High-End Items: First American Home Warranty
• Best Budget Plan: Select Home Warranty

Comparing the Best Home Warranty Companies for Condos

The table below compares the best condo home warranty companies based on some of the key factors from our in-depth rating methodology, including BBB ratings, service fees, and monthly cost.

Liberty Home Guard Visit Site
American Home Shield Visit Site
Select Home Warranty Visit Site
First American Home Warranty Visit Site
Overall Score We use extensive first-party research, secret shopping, and firsthand testing to evaluate companies on key factors. We then develop a numeric score for each brand to determine an overall score.	4.4 / 5 #1 out of 15 companies	4.8 / 5 #2 out of 15 companies	3.7 / 5 #3 out of 15 companies	4.6 / 5 #4 out of 15 companies
BBB Rating The Better Business Bureau (BBB) is an organization that sets and maintains high ethical standards for businesses throughout the U.S. and Canada. A company’s BBB rating reflects its general treatment of customers and compliance with the organization.	NR	B	B-	B
Monthly Cost	$49–$59	$49–$109	$44–$47	$47–$87
Service Fees A service call fee is the amount the homeowner pays every time a technician comes to their home to complete a service. The fees are a set amount and typically range from $65 to $125.	$65–$125	$100–$125	$60–$75	$75–$125
Customer Support Options	Email, Phone, Online Chat, Online Portal	Phone, Online Portal	Email, Phone, Online Portal	Phone, Online Portal
Response Time After a homeowner files a claim, home warranty response times typically range from 24 to 48 hours or more. Some companies guarantee a response time of fewer than 24 hours.	Up to 48 hours	Up to 48 hours	48-84 hours	4–48 hours
Pros Company or plan features that are generally beneficial to most consumers	Extensive add-on catalog 60-day workmanship guarantee Accessible customer support	High coverage caps Preexisting coverage included Bonus discounts on maintenance services	Low-cost plan options High HVAC coverage Free roof leak protection	Unlimited system coverage Solid add-on catalog Optional upgrade for preexisting condition coverage
Cons Elements of the company or its plans that some buyers may consider disadvantages	Reviews mention low claim payouts Low coverage caps for electrical and plumbing	Higher costs for comprehensive coverage Smallest add-on catalog	Low coverage caps for other items No service call fee flexibility	No AC coverage in the lowest plan Excludes essential appliances from its lowest plan
Summary This is a brief overview of our thoughts on each company.	We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.	We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.	We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.	We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances.
Promotions Some home warranty companies offer special discounts to make protecting your home systems and appliances more affordable. We’ve listed current promotional offers for each of our reviewed providers. These are national-level promotions; branch offices may offer varying deals.	$200 Off + 2 Months Free + Roof Leak Protection	$150 off any plan	Cyber Monday: 40% Off Home Warranty Plans	$100 Off with Code “PROTECT”
Rating Categories We researched and scored 13 home warranty providers against our 100-point rating system. We divided each company’s score by 20 to determine our 5-star ratings. Our ranking factors cover the criteria homeowners find most important when shopping for a home warranty: coverage, value, trustworthiness, plan transparency, customer support, and flexibility.	Liberty Home Guard	American Home Shield	Select Home Warranty	First American Home Warranty
Coverage Comprehensive coverage allows homeowners to save more on repair and replacement costs. We awarded providers points for offering generous coverage caps, unique coverage options, and no annual cap limits. We deducted points for coverage waiting periods of more than 30 days.	2.9 / 5	4.8 / 5	2.1 / 5	4.9 / 5
Value To determine the value of a home warranty, we considered each provider’s average monthly costs, service call fees, and billing options. Points were deducted for charging extra fees for certain services and repairs.	4.8 / 5	3.3 / 5	4.8 / 5	3.3 / 5
Trustworthiness Trustworthiness ratings were calculated based on average customer review scores, length of workmanship guarantees, and membership in trusted trade organizations. We deducted points for any brands with ongoing lawsuits. These factors help us separate legitimate home warranty providers from scammers.	4.3 / 5	3.7 / 5	3.7 / 5	4 / 5
Plan Transparency Transparent home warranty providers offer detailed disclosures on coverage, service call fees, and exclusions on their websites. We also awarded points to companies that provide sample contracts with thorough information on plan policies.	2.5 / 5	5 / 5	2.5 / 5	2.5 / 5
Customer Support We awarded points to home warranty providers that make it easy for homeowners to get in touch via multiple customer contact methods. Companies also earned points for quick claims response times and widespread state availability.	4.5 / 5	4 / 5	3 / 5	2.8 / 5
Flexibility Providers earned points for flexibility by offering more plans and add-ons. This helps homeowners customize their home warranty plans to meet their needs. We also awarded points to companies that allow customers to choose their own technician, pick a service call fee, and cancel after 30 days.	3.5 / 5	2.5 / 5	2.5 / 5	3 / 5

How Do Home Warranties for Condos Work?

Condo home warranties offer financial protection for unexpected system and appliance breakdowns, similar to warranties for single-family homes. However, condos have slightly different repair needs than most single-family houses. Condo warranties cover appliances and systems within individual residences, while the condo association maintains shared amenities, such as HVAC and plumbing.

Many home warranty companies offer either condo-specific coverage or customized plans that protect home appliances. They may also offer add-on items for additional systems, appliances, or home services.

How Much Does a Condo Home Warranty Cost?

Based on our research, the average condo home warranty costs $53 per month or $636 annually. This is significantly lower than coverage for a traditional home. Our team sent a home warranty survey to 1,000 homeowners in February 2024 to help us determine typical home warranty costs. We learned that the average single-family home warranty costs $89 per month, 68% higher than condo coverage. The lower costs are a result of the more specific coverage that condo home warranties provide.

Service call fees remain consistent across all home warranty types despite the reduced coverage. Our survey revealed most homeowners pay between $58 and $150 per service technician visit. Additional cost factors may include your location, add-on coverage options, and included coverage. We recommend getting quotes from multiple providers and comparing their services to find the best pricing.

Reviews of the Best Home Warranty Companies for Condos

Liberty Home Guard

Best Customer Support

4.4

Liberty Home Guard’s reasonable prices, 60-day workmanship guarantee, and high customer ratings make it our top recommended provider on our list despite it being new to the industry. The company has a basic Appliance Guard plan that covers a variety of major appliances and one of the lowest service call fees out of the providers in this review.

Plans and Prices

Liberty Home Guard has a 60-day workmanship guarantee, placing it slightly above the industry average of 30 days. The company also has a long list of add-on options to customize your plan and availability in 48 states, excluding Washington and Wisconsin.

Here is a table comparing Liberty Home Guard’s pricing and plans:

Plan	Monthly Cost	Service Fee	Coverage Cap
Appliance Guard	$39.99	$65–$125	$2,000
Systems Guard	$44.99	$65–$125	$2,000 (Plumbing & electrical: $500)
Total Home Guard	$49.99	$65–$125	Coverage caps remain the same

 

American Home Shield

Best for Comprehensive Coverage

4.8 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 provides extensive home warranty coverage for condo owners. Since the company’s sample contract clearly states that it doesn’t cover shared systems, the ShieldGold plan that covers items like your dishwasher, refrigerator, and built-in microwave might be your best bet.

Plans and Prices

American Home Shield offers a choose-your-own service fee policy that allows you to choose a higher service fee in exchange for a lower monthly premium and vice versa. American Home Shield is also available to condo owners in every state except Alaska and Hawaii, making it one of the most accessible options on our list.

Here is a table comparing American Home Shield’s pricing and plans:

Plan	Monthly Cost	Service Fee	Coverage Cap
ShieldSilver	$24.99–$39.99	$75–$125	$5000
ShieldGold	$34.99–$49.99	$75–$125	Systems: $5,000 Appliances: $2,000
ShieldPlatinum	$49.99–$64.99	$75–$125	Systems: $5,000 Appliances: $4,000

Select Home Warranty

Best Budget Plan

3.7 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 is available across the country with coverage in 46 states. Its Bronze Care Plan offers coverage for appliances, including refrigerators, washers, and dryers, at a rate that’s lower than similar plans from competitors. You also get a low deductible between $60 and $75.

Plans and Prices

Select Home Warranty plans come with two months of free coverage for a total of 14 months of protection. You can also get a discount for purchasing several years of coverage at once instead of just a single year.

Here is a table comparing Select Home Warranty’s prices and plans:

Plan	Monthly Cost	Service Fee	Coverage Cap
Bronze Care	$41	$60–$75	$500
Gold Care	$41	$60–$75	$500 (HVAC: $3,000)
Platinum Care	$47	$60–$75	Coverage caps remain the same

First American Home Warranty

Best for High-End Items

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.

First American Home Warranty has been in business for 37 years and provides clear documentation of the coverage you will receive from each of its plans. Additionally, its premiums for condos tend to be $50-$70 cheaper per year than those for single-family homes in the same area.

• Read more: Detailed First American Home Warranty Review

Plans and Prices

First American’s Basic Plan is the cheapest policy in our review, making it a good option for condo owners on a budget. The company also offers the First Class Upgrade as an option add-on, which covers unique areas of your home like improperly installed or maintained appliances and permit fees.

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

Plan	Monthly Cost	Service Fee	Coverage Cap
Basic Plan	$25	$75–$125	Systems: Unlimited Appliances: $3,500
Premier Plan	$39.50	$75–$125	Systems: Unlimited (Water heaters: $1,000) Appliances: $3,500

Does Your Condo Need a Home Warranty?

A home warranty is a worthwhile investment for a condo owner as it protects individual appliances not covered by the condo association. The condo association’s master insurance policy will cover shared spaces and the overall structure of a building, but you’re responsible for coverage inside your unit.

Condos tend to have slightly different repair needs than most single-family houses. For one, some of a building’s amenities and systems may be shared with other units. If two or more units share an appliance or system in your condo, a technician may find it more difficult to assess fault for the damage. Unless a multiunit dwelling has a single home warranty for the entire building, damage to shared systems nearly always falls outside of coverage.

Condo home warranties cover any items not covered by the condo association’s protections. The level of protection offered by condo associations can vary, so it’s best to check with yours to understand which shared systems and amenities are covered. Then, you can choose a condo home warranty covering any gaps their protection leaves.

Our Final Take on Condo Home Warranties

The process for purchasing a condo home warranty is similar to the process for purchasing coverage for a single-family home. However, since condo estimates aren’t as readily available, we recommend contacting each company directly to see how much your unit would cost to cover.

FAQ About Home Warranties for Condos

Related Resources

• Best Home Warranties for Mobile Homes
• Best Home Warranties for Rental Properties
• Liberty Home Guard Review

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, cost, trustworthiness, plan transparency, customer support, and flexibility 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.