Best Home Warranty Companies for Veterans (2024)
We recommend Liberty Home Guard for veterans in the market for a home warranty. The company offers discounts for veterans and active service members and the ability to transfer plans to new addresses within the 48 states it services. These offerings and its generous coverage caps make it one of the best home warranty companies for veterans.
Our second recommended provider is American Home Shield. AHS offers discounts for veterans and military service members, as well as flexible plan options and affordable rates.
To determine the best home warranty providers, we combed through warranty plans, read more than 5,700 customer reviews, secret-shopped real quotes and prices, and conducted customer surveys on top providers. We share our insights in this article and break down which companies offer the best service plans, discounts, and coverage for veterans.
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.
What Are the Best Home Warranty Companies for Veterans?
After researching major home warranty companies, we determined the following providers offer the best home warranty deals for veterans:
Compare Top Home Warranty Companies for Veterans
The table below provides a comprehensive breakdown of these top companies. It includes data we gathered from our research, such as service fees, monthly costs, and coverage caps.
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#1 out of 13 companies | #2 out of 13 companies | #3 out of 13 companies | #4 out of 13 companies | #5 out of 13 companies | |
NR | B | B | B | B | |
Monthly Cost |
$49โ$59 | $49โ$109 | $44โ$47 | $47โ$87 | $34โ$92 |
Service Fees |
$65โ$125 | $100โ$125 | $60โ$75 | $75โ$125 | $75โ$125 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal | Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | 4โ48 hours | 24-48 hours |
Pros |
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Cons |
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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.ย |
We recommend AFC Home Warranty for homeowners who want extensive HVAC coverage and protections for new systems. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Labor Day Sale: 50% OFF Select Plans | Use code HOUSE25 for $150 off + 2 months free | $200 Off with Code FA200 | Labor Day Sale: 30% Off All Plans |
Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | First American Home Warranty | AFC Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Flexibility |
Company | Star Rating | Monthly Cost for Veterans | Service Fee | Coverage Caps for Veterans | Visit Site |
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$49.99โ$59.99 | $65โ$125 | $2,000 per covered item | VISIT SITE | ||
$29.99โ$79.99 | $100โ$125 | None specified for built-in systems | VISIT SITE | ||
$44.42โ$47.75 | $60โ$75 | $3,000 for HVAC, $500 for plumbing, electrical and appliances | VISIT SITE | ||
$41.25โ$66.67 | $75โ$125 | $3,500 per covered appliance, up to $7,000 for premium pan | VISIT SITE | ||
$36.83โ$91.58 | $75โ$125 | $3,000 for appliances, $500 for add-ons, systems are at the provider’s discretion, plan capped at $10,000 | VISIT SITE |
Note: For more details, see individual provider breakdowns below.
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a single-family 2,000-square-foot home in Raleigh, NC. Your pricing may vary depending on your home’s location, size, type, and plan selections.
How We Rated Home Warranty Companies
We compared each provider to our unbiased ratings and review standards to find the best home warranty company for veterans. This method rates each company based on key criteria that homeowners find important. We judge providers based on coverage, plan values, trustworthiness, transparency, availability, and service.
We research providers by reading customer reviews across major independent review sites such as the Better Business Bureau, Trustpilot, and ConsumerAffairs. Weโve read more than 5,700 customer reviews across major home warranty companies. We look for major themes and recurring problems, such as sales tactics, long wait times, and overall customer experience. We supplement this customer feedback with firsthand data gathered through focus groups, surveys, and secret shopping.
Our Home Warranty Experts
Understanding Home Warranties for Veterans
Veterans and active military personnel face unique challenges when choosing a home warranty. Active duty personnel may need a policy that allows transfers to new properties in the event of a move. Veterans with older homes may want a plan with allowances for preexisting conditions or more generous coverage caps. Consider the following questions before choosing your next home warranty:
The right time to sign up for a home warranty depends on what you want from your policy and the context of your purchase. For example, you may want to sign up for a plan if youโre new to your area. Finding vetted local contractors can be difficult for regional newcomers, and a home warranty sources technicians for you.
We recommend signing up for a home warranty if any of the following applies:
- Your home is older.
- Your appliances or home systems are old or expensive.
- Youโre unfamiliar with your area or aren’t used to working with home improvement companies.
- You have a busy lifestyle and want to minimize the time and energy needed to manage the appliances and home systems.
- You want to entice buyers for a future home sale.
Our research shows that the national average home warranty cost is between $644 and $737 annually. Service fees range from $65 to $125. These costs are for a standard-sized home of 2,000 square feet. We received more than 120 quotes from top home warranty companies across 20 states and compiled the results of these quotes to find this national average.
If youโre an active duty military personnel or a veteran, you may be able to save on your home warranty plan. Some providers, including Liberty Home Guard and American Home Shield, offer discounts or special pricing for military service members.
Take the following steps to file a home warranty claim:
- Understand and re-read your policy: Understand your policy coverage before filing a warranty claim. Even generous policies have coverage limits, exclusions, and caps that can affect the claim process. We recommend thoroughly reading your policy before filing a claim. Exclusions include preexisting problems, damage from improper installations, and misuse or abuse of appliances and systems. Most home warranty contracts have payout limits for specific systems and appliances, which means youโll pay any remaining costs if you reach that limit.
- Contact a service representative and begin the claim process: Contact a company-approved contractor. Most home warranty companies have a client portal to connect you with approved local contractors. Complete an online claim form or call the company to schedule your appointment. A home warranty company typically takes up to 48 hours to process and dispatch a contractor. The technician will contact you directly and set up an appointment.
- Pay service fees and out-of-pocket expenses: Once at your home, the service professional will inspect the damage to your system, correspond with the home warranty provider, and repair the damage. Youโll pay your service fee and any remaining balance if you reach your coverage cap. The technician will schedule a follow-up appointment for a replacement if the damage to your appliance or system is too severe to be repaired.
Home Warranty Providers for Veterans
Below is a detailed overview of our top recommended home warranty companies for veterans.
What To Consider When Buying a Home Warranty as a Veteran
It can be difficult to find the right home warranty if you’re a veteran or an active duty service member. If you move often or are too busy to handle repairs, youโll need a plan that works with your schedule. Each provider offers plans with unique discounts, coverage caps, and limitations. We recommend doing the following before choosing a home warranty company:
- Check coverage needs: Each home has unique coverage needs. Homeowners with brand-new appliances may not need a warranty right away. System-oriented warranties will better suit older homes. Knowing your coverage needs before signing a contract will help you avoid plans that wonโt protect your most important systems and appliances.
- Assess available budget: Consider how much youโre comfortable paying monthly. Remember to account for add-ons, service fees, and total coverage caps for your most at-risk items. We recommend prioritizing providers that offer military discounts, such as Liberty Home Guard or American Home Shield.
- Check your locations plan: Not all companies operate out of every state. Some home warranty companies even limit plan options or add-ons in certain areas. We recommend checking plan and add-on availability before selecting your provider. This step is key if you have to move often. It’s possible a provider wonโt extend its coverage to a state where youโre relocated for a permanent change of station.
- Read customer reviews and assess reputation: Even reliable and trusted national brands can have poorly performing branch locations. We recommend checking the customer reviews for each home warranty company’s local branch office through independent review sites such as BBB and Trustpilot.
- Compare plans and shop around: Comparing quotes is one of the best ways to get the best plan for your home at the lowest possible price. We recommend getting at least three free quotes before making a decision.
- Ask for referrals from friends and family: One of the best ways to find a reliable warranty provider is by asking family, neighbors, or other members of the military community for their recommendations.
How Are Home Warranties Regulated?
Each state has rules and regulations to ensure that home warranty companies act fairly and within the bounds of the law. The regulation of home warranty contracts is typically overseen by a stateโs Department of Licensing and Regulation, Consumer Protection Division, or Department of Insurance.
Most states base their regulatory laws on the Service Contracts Model Act published by the National Association of Insurance Commissioners (NAIC) in 1988. The NAIC is an organization run by chief insurance regulators from all 50 states founded in 1871. Its goal is to โset standards and ensure fair, competitive, and healthy insurance markets to protect consumers.โ The SCM Act is a guideline and legal framework for home service contracts. State regulatory bodies use this framework to create rules that ensure home warranty companies do the following:
- Have contracts that are clear, easy to understand, and accurately represent the policy being offered.
- Accurately and extensively disclose prices, coverage, fees, and limitations.
- Allow policyholders the ability to cancel and receive a full refund within a reasonable timeframe (typically 30โ45 days).
Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. To calculate your projected annual cost, use the following steps:
- Enter your monthly premium
- Enter your service call fee
- Enter your estimated number of claims
Itโs best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Use the table below to compare your calculated cost to repair and replacement costs for common appliances.
Appliance | Average Repair Cost | Average Replacement Cost |
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Dehumidifier |
$50โ$200 |
$1,300โ$2,800 |
Microwave |
$50โ$400 |
$60โ$2,000 |
Dishwasher |
$50โ$500 |
$400โ$3,000 |
Exhaust Fans |
$16โ$300 |
$250โ$950 |
Electric Range |
$100โ$500 |
$230โ$3,000 |
Gas Range |
$100โ$500 |
$230โ$3,000 |
Dryer |
$100โ$400 |
$450โ$2,300 |
Oven |
$100โ$430 |
$400โ$3,000 |
Washer |
$50โ$450 |
$400โ$2,300 |
Freezer |
$90โ$500 |
$160โ$2,900 |
Refrigerator |
$40โ$350 |
$200โ$5,000 |
Life span and repair cost data sourced from InterNACHI and Home Depot
FAQs About Home Warranties for Veterans
Do VA loans come with a home warranty?
No, VA loans donโt come with a home warranty.
Does American Home Shield offer a veterans discount?
Yes, American Home Shield offers a veterans discount. American Home Shield veterans and active-duty military discounts can be applied with other applicable discounts.
Are there special home warranty plans for veterans?
No, there arenโt special home warranty plans for veterans. Most home warranty programs are pre-set and not tailored to specific groups or customers. However, many home warranty companies offer veteran discounts and the ability to customize your plan with add-ons.
Does First American Home Warranty offer a military or veteran discount?
No, First American Home Warranty does not offer a military discount.
Does Liberty Home Guard offer a veteran or military discount?
Yes, Liberty Home Guard offers a military discount.
Does Select Home Warranty offer a veteran or military discount?
No, Select Home Warranty does not offer a military discount.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state below.
Find Home Warranty Pros in Your State
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Related Resources
Weโve compiled several easy-to-digest guides based on our extensive home warranty coverage. Learn more below.
More on Home Warranties
- What Is a Home Warranty?
- Home Warranty vs. Homeowners Insurance
- Residential Service Contract
- Cheapest Home Warranty Companies
- USAA Home Warranty
Related to Home Appliances
- Appliance Extended Warranties
- Best Refrigerator Warranty
- Home Depot Extended Warranty
- Sears Appliance Warranty
- Best Home Warranty for High-End Appliances
Related to Home Systems
- Best Home Warranty for HVAC
- Best Water Heater Home Warranty
- Best Sewer Line Home Warranty
- Best Plumbing Home Warranty
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.
Hereโs 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 companyโs 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.