Home repair costs stack up quickly, and despite housing allowances and low-interest loans, service members both active and retired still need to protect their budgets from costly repairs. One good way to do this is by purchasing a home warranty, which offsets the cost of repairs and replacements to key home systems and appliances.

Some home warranty companies keep service members in mind when offering policies like giving you a discount or allowing you to change your covered address if you relocate. To help you find these providers, the This Old House Reviews Team has put together this guide. Keep reading to learn about the companies that offer the best home warranties for veterans.

Top 3 Home Warranty Companies for Veterans

Here are our top choices for home warranty companies for veterans:

Note: The price quotes below are for a single-family home of less than 5,000 square feet in Cleveland, Ohio. Prices will vary based on your location and home, so make sure to get a quote for your address.

American Home Shield

American Home Shield doesn’t offer discounts to veterans or active military, so why would we put it first on our list? Because of the comprehensiveness of its coverage. We’re so impressed with this provider’s overall coverage and customer service that we still recommend it.

American Home Shield covers unique repairs like damage from rust or sediment that other providers won’t. It’s also the only company on our list that allows you to adjust your premium in relation to your service fee. If you don’t anticipate needing to use your home warranty much, you can choose to pay a higher service fee in exchange for a lower monthly premium.

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

For details about American Home Shield’s coverage, fill out this quick form or call 844-529-9298.

Learn more: American Home Shield Review


 

Liberty Home Guard

Liberty Home Guard offers discounts for veterans and active military, but you’ll need to provide more information on you and your home to find out specifics. You can also transfer your home warranty plan to a new address, assuming it’s in one of the 48 states that Liberty Home Guard services.

Liberty Home Guard’s service call fee is below average at $60. The company’s plans also offer high coverage caps for heating and air conditioning systems, which is one of the most expensive home repairs you’ll encounter.

Liberty Home Guard Plans and Prices

PlanMonthly Cost
Appliance Guard$39.99
System Guard$44.99
Total Guard$49.99

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


 

Choice Home Warranty

According to a customer service representative, Choice Home Warranty does offer military discounts, but you will need to provide a specific address to determine what those discounts are. With Choice, you can also transfer your home warranty to a new address at no extra cost.

Another benefit of Choice Home Warranty is that the company guarantees its contractors’ work for 90 days, which is three times longer than the industry average of 30 days. Choice also has a service call fee that’s on the lower end at $60-$85.

Choice Home Warranty Plans and Prices

PlanMonthly Cost
Basic Plan$39.18
Total Plan$47.50

 

Our Conclusion

Veterans, active military personnel, and their family members often have specific needs when it comes to housing. However, a home warranty can give you just as much peace of mind as it can for a civilian family, and you may even receive a discount. Use our top-three list to start your home warranty search with companies that offer you the best value for your money.


 

Home Warranties for Active or Retired Military

If you’re active military, a home warranty usually isn’t included in your Basic Housing Allowance, but you can use the money you save on a mortgage to put toward one of these residential service contracts. The same goes for veterans with a VA loan.

One important concern for active military is frequent relocation. If you need to move within the contract period of your home warranty—usually a year—you need to know whether you can transfer it to a new address. Some companies allow you to do this without paying a fee, but others will charge for it or not allow it at all.

Unfortunately, it can be difficult to get specifics on military or veteran discounts from home warranty companies. You’ll most likely need to speak to someone on the phone, and even then, you’re unlikely to hear “that’ll be 10% off.” Instead, you’ll be quoted a price and need to decide for yourself whether you’re comfortable with that amount. The good news is that all of these providers offer free quotes, so you can do some comparison shopping before you commit.


 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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