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4 Best Home Warranty Companies for Condos (2024)

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

Written by Stephanie Koncewicz + 1 other Reviewed by Michael Mansueto Updated 12/02/2024

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.


Key Takeaways

  • The average condo warranty costs about $53 per month or $636 annually.
  • We recommend Liberty Home Guard and American Home Shield as top choices for condo home warranties.
  • Condo warranties offer less comprehensive protection than a single-home plan, resulting in lower monthly premiums.

Did You Know?

  • In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.

Top 4 Home Warranty Companies for Condos

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


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
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American Home Shield
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Select Home Warranty
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First American Home Warranty
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Overall Score

4.4 / 5 4.8 / 5 3.7 / 5 4.6 / 5

BBB Rating

NR B B- B

Monthly Cost

$49–$59 $49–$109 $44–$47 $47–$87

Service Fees

$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

Up to 48 hours Up to 48 hours 48-84 hours 4–48 hours

Pros

  • 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

  • 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

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

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Rating Categories

Liberty Home Guard American Home Shield Select Home Warranty First American Home Warranty

Coverage

2.9 / 5
4.8 / 5
2.1 / 5
4.9 / 5

Value

4.8 / 5
3.3 / 5
4.8 / 5
3.3 / 5

Trustworthiness

4.3 / 5
3.7 / 5
3.7 / 5
4 / 5

Plan Transparency

2.5 / 5
5 / 5
2.5 / 5
2.5 / 5

Customer Support

4.5 / 5
4 / 5
3 / 5
2.8 / 5

Flexibility

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.

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

What is typically included in a condo home warranty?

Condo home warranties typically include protection for your unit’s individual appliances and systems. This type of home warranty plan doesn’t cover shared systems or amenities maintained by your condo association.

Is a condo home warranty still worth it if shared items aren’t covered?

It’s still worth getting a condo home warranty since not all items in the condo are shared. The appliances in your unit, such as the refrigerator or clothes washer, may still require coverage if they fail due to normal wear and tear. Condo plans are typically a little cheaper to make up for the fact that not everything is covered.

Is a condo home warranty different from a home warranty?

No, a condo home warranty offers the same item coverage as a home warranty for a traditional home. Home warranty companies offer access to the same plans as single-family homeowners despite lower prices for condo coverage.



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.