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4 Best Home Warranty Companies for Condos (2024)

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed By Michael Mansueto Updated 02/08/2024

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 wear and tear that occurs from a lifetime of use.

To protect your budget from repair costs associated with wear-and-tear damage, consider a home warranty. When covered appliances or systems break down, your home warranty provider will send a licensed technician to diagnose and repair the problem in exchange for a service fee. To learn how to get this type of protection, read our review below on our top picks for the best home warranties for condo coverage.

VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$59
Service Fee $65–$125
BBB Rating A
States Covered 50
VISIT SITE 40% Off Our Most Popular Plan
Monthly Cost $29–$89
Service Fee $100–$125
BBB Rating B
States Covered 48
VISIT SITE Use Code HOUSE25 for $150 Off & 2 Months Free
Monthly Cost $44–$47
Service Fee $60–$75
BBB Rating B
States Covered 47
VISIT SITE Groundhog Day Offer: $175 Off With Code “WINTER24”
Monthly Cost $42–$82
Service Fee $75–$125
BBB Rating B
States Covered 35
Did You Know?

There are over 2,500 people who bought a home warranty plan from one of the above companies in the last 30 days.

Top 4 Home Warranty Companies for Condos

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


Liberty Home Guard

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.

Liberty Home Guard Plans and Prices

PlanMonthly Cost

Appliance Guard

$39.99

System Guard

$44.99

Total Guard

$49.99

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.

To find out how much a Liberty Home Guard plan will cost you, call 866-452-9107 or fill out this easy form.

Learn more: Liberty Home Guard Review


American Home Shield

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.

American Home Shield Plans and Prices

Plan$75 Service Fee$100 Service Fee$125 Service Fee

ShieldSilver™

$39.99

$29.99

$24.99

ShieldGold™

$49.99

$39.99

$34.99

ShieldPlatinum™

$64.99

$54.99

$49.99

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.

To get a free quote from American Home Shield, fill out this quick form or call 844-529-9298.

Learn more: American Home Shield Review


Select Home Warranty

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.

Select Home Warranty Plans and Prices

PlanMonthly Cost

Bronze Care

$41.00

Gold Care

$41.00

Platinum Care

$47.00

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.

Select Home Warranty’s prices vary by location, so call 888-370-3956 or fill out this easy form to get a quote for your area.

Learn more: Select Home Warranty Review


First American Home Warranty

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.

First American Home Warranty Plans and Prices

PlanMonthly Cost

Basic Plan

$25.00

Premier Plan

$39.50

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.

First American’s coverage and prices vary by region, so fill out this quick form or call 800-891-9778 to find out what’s available in your area.

Learn more: First American Home Warranty Review


Our Conclusion

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.


Does Your Condo Need a Home Warranty?

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. 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.

In a single-family home, a home warranty plan is fairly simple. If, for example, your water heater breaks down, a technician sent by your provider can diagnose and repair it for you. However, if an appliance or system in your condo is shared by two or more units, it becomes more difficult for a technician to assess fault for the damage. Simply put, unless a multi-unit dwelling has a single home warranty for the entire building, damage to shared systems nearly always falls outside of coverage.

That doesn’t mean that condo or townhouse owners don’t need a home warranty. In fact, some providers offer lower prices for covering condos as opposed to single-family homes because there are fewer systems and appliances to cover. Any system or appliance that is not shared like a refrigerator or stove gets protected just like it would in a single-family home.


Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.


Frequently Asked Questions

How much does a condo home warranty cost?

It depends on a lot of factors, including the location, the size of your condo, and the level of coverage. However, the average is between $300 and $600 a year.

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

There are still plenty of items in your condo that won’t be shared that could be expensive to repair like your refrigerator or clothes washer. Condo plans are typically a little cheaper as well to make up for the fact that not everything is covered.

Is a condo warranty a different policy than a home warranty?

No. Home warranty companies may offer you a lower price for your condo, but you will have access to the same plans that single-family homeowners have access to.


Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.