When we talk about home warranties, we usually think of homeowners. However, since home warranties protect the budget of those responsible for repairing and replacing major systems and appliances within a home, they’re also useful for landlords.

If you own a rental property, there are a number of reasons why a home warranty might be beneficial for you. In this review, we’ll go over some of these reasons and explore our top home warranty companies for protecting your rental.

Top 5 Home Warranty Companies for Rental Properties

The following companies protect landlords as well as homeowners:


Liberty Home Guard

Liberty Home Guard (LHG) is relatively new in the home warranty industry, but the company distinguishes itself with its high Better Business Bureau, Trustpilot, and Google Reviews ratings, plus an extensive list of add-on coverage options. In addition, LHG provides solid major systems and appliance coverage alongside a 60-day workmanship guarantee.

Liberty Home Guard Rental Property Benefits

As a landlord, you want to put your investment in the hands of a company you can trust, and Liberty Home Guard fits that bill. It offers more than 30 unique add-on selections for a fully customizable plan, plus a 60-day workmanship guarantee per completed repair. Liberty Home Guard also includes coverage for second air conditioning and heating systems within its standard plans, which is perfect for large properties with multiple heating and cooling units.

Liberty Home Guard Plans and Prices

Like some other companies, Liberty Home Guard’s plans are broken down by systems, appliances, and a combination of both. Regarding its $65–$125 service call fee, a Liberty Home Guard representative told us that your service call fee is selected based on your home’s type and size, your location, and your plan and add-on selections. Here are some sample prices:

  • Appliance Guard: $49.99 per month
  • System Guard: $54.99 per month
  • Total Guard: $59.99 per month

Fill out this form or call 866-452-9107 to speak to a Liberty Home Guard representative about a home warranty plan in your area.

Learn more: Liberty Home Guard Review


American Home Shield

American Home Shield (AHS) has been offering home warranty protection for 50 years. The company offers coverage in every state except Alaska, and it even allows you to customize your service fee. American Home Shield also covers a wide variety of home systems and appliances, plus it offers unmatched coverage caps per covered item.

American Home Shield Rental Property Benefits

AHS covers types of damage that many other companies won’t. In addition to covering wear and tear, American Home Shield also covers damage from rust, corrosion, sediment, and more. Additionally, if your rental is a guest unit on your residential property of less than 750 square feet, you can simply add it to your existing home warranty for an extra fee.

American Home Shield Plans and Prices

AHS offers its ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. With any of these, you can choose a $75, $100, or $125 service fee. The higher your service fee, the lower your monthly premium. Here are some sample prices from plans with a $75 service fee:

  • ShieldSilver: $39.99 per month
  • ShieldGold: $59.99 per month
  • ShieldPlatinum: $89.99 per month

For a free quote from American Home Shield, call 844-529-9298 or fill out this easy form.

Learn more: American Home Shield Review


First American Home Warranty

First American Home Warranty is another provider we recommend. First American includes coverage for working systems and appliances regardless of age, making it a solid choice if your rental has older home items. The company also has unlimited HVAC coverage limits, which tends to be one of the most expensive repairs.

First American Home Warranty Rental Property Benefits

First American bundles its First American Advantage upgrade within two of its standard plans. This add-on covers systems or appliances that were improperly installed or maintained as well as other maintenance-related costs like permits and refrigerant recapture and disposal. This coverage is useful for rentals that were mistreated by past tenants or rentals that you’re renovating. Also, First American offers a generous $3,500 coverage limit for appliances in its Starter and Essential plans, plus an unlimited coverage limit for heating, cooling, electrical, and plumbing systems. First American increases its appliance limit to $7,000 in its Premium Plan.

First American Home Warranty Plans and Prices

First American offers the Starter Plan, Essential Plan and Premium Plan. The Starter and Essential plans cover appliances and systems, while the Premium Plan adds coverage for luxury appliances, shower heads, and more. The company also offers three service call fees, which range from $75, $100, and $125. Here are some sample rates we pulled for First American coverage paired with a $75 service call fee:

  • Starter Plan: $57.00
  • Essential Plan: $67.00
  • Premium Plan: $87.00

To learn how much a plan would cost in your area, call First American Home Warranty at 800-891-9778 or fill out this quick form.

Learn more: First American Home Warranty Review


Select Home Warranty

Select Home Warranty offers comprehensive coverage for rental properties at a competitive price point. All its plans are less than $50 per month. It also includes roof-leak protection, up to $400 annually. No other provider on this list includes roof-leak coverage in all its standards plans.

Select Home Warranty Rental Property Benefits

Select offers affordable coverage for major home systems and appliances. HVAC systems, in particular, receive a generous $3,000 coverage cap.  Select’s policies also come with free roof-leak coverage. Its $75 service call fee is one of the lowest in the industry, making it a solid choice for landlords without a lot of cash reserves.

Select Home Warranty Plans and Prices

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers appliances, and Gold Care covers systems. Platinum Care combines the coverage of the two basic plan options into one comprehensive package. You’ll be charged a $75 service call fee each time you file a claim. 

  • Bronze Care: $44.42 per month
  • Gold Care: $44.42 per month
  • Platinum Care: $47.75 per month

To request a custom quote, call 888-370-3956 or use Select Home Warranty’s simple form.

Learn more: Select Home Warranty Review


America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) is our final recommendation for rental property owners. AFC Home Club offers plan flexibility via its four coverage plans and three service call fees. It also offers budget-friendly appliance-only and systems-only plans for landlords who only need basic coverage. As a bonus, AFC Home Club includes security perks, such as identity protection and free credit monitoring. 

AFC Home Club Rental Property Benefits

AFC Home Club offers the lengthiest workmanship guarantee of all the home warranty companies on this list. Depending on the length of your plan, its workmanship guarantee can extend up to three years. AFC Home Club also provides generous coverage caps for appliances and HVAC systems. It provides a $3,000 coverage cap per covered appliance and an unlimited coverage cap per heating and cooling system. Other home systems, such as ductwork, plumbing, interior electrical, and water heaters, receive a much lower coverage cap. AFC Home Club’s extensive workmanship guarantee, plan flexibility, and additional perks make it a provider worth considering.

AFC Home Club Plans and Prices

AFC Home Club provides four coverage plans: the Silver Plan, Systems Plan, Gold Plan, and Platinum Plan. The Silver and Systems plans cover major appliances and systems, respectively. The Gold Plan combines home system and appliance coverage. Finally, the Platinum Plan covers everything in the Gold Plan plus a mix of systems and appliances, including built-in microwaves and plumbing stoppages. 

AFC Home Club offers three service call fees ranging from $75, $100 and $125. You can lower your monthly premium by selecting a higher service call fee. Here are some sample rates we pulled from quotes with a $75 service call fee.

  • Silver Plan: $41.83
  • Systems Plan: $48.92
  • Gold Plan: $56.00
  • Platinum Plan: $60.67

Fill out AFC Home Club’s quote form or call 877-755-1115 to request your customized quote.


Our Conclusion

We named Liberty Home Guard as our top provider of rental coverage because of its solid coverage caps and impressive suite of add-on coverage options. However, we also included other providers that will protect your rental property, including American Home Shield, which offers coverage for rust, sediment, and corrosion damage. Our final recommendation is First American Home Warranty, for landlords that own older properties.

We recommend getting custom quotes from several of the providers in this review and reading their sample contracts before making a final purchasing decision.

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Why a Rental Property Needs a Home Warranty

A home warranty is a residential service contract that covers systems and appliances that break down from normal wear and tear. If you have a home warranty and a covered item breaks, you contact your provider, who will then send a technician to diagnose and repair the problem. If the problem is covered, you’re only out the cost of a service fee rather than the cost of the entire repair or replacement.

In addition to saving you money, your home warranty provider will also take care of a lot of the repair logistics for you, including finding a licensed, trusted contractor and sometimes even scheduling an appointment directly with the tenant. Most providers don’t put an age limit on the systems or appliances they cover, making home warranties perfect for older rental units. Additionally, the cost of a home warranty is tax deductible as an operating expense of your business. In the end, a home warranty makes your life easier, especially if you’re balancing the cost of your home and several rental properties at once.


Frequently Asked Questions About Rental Property Home Warranties

Our Rating Methodology

The This Old House Reviews Team backs 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, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

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