Without adequate furnace coverage, you risk expensive repair costs and no heat during the frigid winter months. Investing in a home warranty with furnace protection ensures access to emergency repair or replacement services, keeping your home cozy and comfortable all year.
We researched 13 of the best home warranty companies in the industry to find the top options for furnace protection. We recommend Liberty Home Guard (LHG) as the best furnace warranty provider because it covers up to $2,000 per repair and includes second furnace coverage in its standard plan. Discover how you can protect your furnace and our list of top picks for coverage.
Key Takeaways
- We chose Liberty Home Guard as the best furnace warranty company after reviewing 13 home warranty companies.
- The average cost of a home warranty with furnace coverage is $35–$65 per month, but can vary depending on your plan.
Top Home Warranty Companies for Furnace Coverage
- Liberty Home Guard: Best Customer Support
- American Home Shield: Best Comprehensive Coverage
- Select Home Warranty: Best Budget Plan Option
Compare Home Warranties for Furnaces
How Much Does a Furnace Home Warranty Cost?
Based on our research, a furnace home warranty typically costs $52 per month but can range between $35 and $65. Most companies bundle furnace coverage with air conditioning protections, offering combined HVAC coverage. Your plan type will also affect final costs. For example, some companies offer system-only coverage, focusing only on protections for major home systems. Choosing a more specialized plan helps reduce costs, as comprehensive plans are typically higher due to their coverage for systems and appliances. You’ll also avoid paying for coverage you don’t need.
Many homeowners invest in a home warranty primarily to safeguard their heating systems, a fact we learned in our most recent survey. We asked 1,000 home warranty plan holders which systems and appliances they prioritized for home warranty coverage. We found that 55.8% opted for coverage to protect their furnaces and heating equipment.
This is understandable given the potential costs associated with furnace repairs and replacements. Furnace repair bills can quickly add up, costing $150 or higher depending on the severity of the repair. However, furnace replacements are even higher. You could pay $2,000–$7,000 for a new electric furnace and $5,000–$13,000 for a gas furnace.
Home warranties help offset these costs by reducing or eliminating repair and replacement expenses. They also connect you to qualified technicians, helping you restore your system in less time.
Reviews of the Best Home Warranty Companies for Furnaces
Below are our top picks for home warranty protection for furnaces.
Liberty Home Guard
Liberty Home Guard has been providing service to customers since 2017 and is our pick for best customer ratings due to its solid consumer reviews on sites such as Google Reviews and Trustpilot. LHG also offers a 60-day workmanship guarantee per completed repair.
Why It’s Great for Furnaces
Liberty Home Guard provides coverage for heating and air conditioning units and all mechanical components necessary to operate your systems. LHG covers up to $2,000 per repair and includes second heating system coverage within standard plans. Most standard homes have one furnace or offer second-unit coverage as an add-on.
Plans and Prices
Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. It prices its service call fees from $65 to $125 per claim. LHG assigns your service call fee based on your home’s size, type, location, and your plan selections.
Here is a table comparing Liberty Home Guard’s plans and pricing:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Appliance Guard | $49.99 | $65–$125 | $2,000 |
| Systems Guard | $54.99 | $65–$125 | $2,000 (Plumbing and electrical: $500) |
| Total Home Guard | $59.99 | $65–$125 | Coverage caps remain the same |
American Home Shield
American Home Shield (AHS) is one of the most experienced companies in the home warranty industry. It covers every state except Alaska and Hawaii. It has a nationwide network of more than 15,000 professionals to assist with home repairs and replacements. Additionally, American Home Shield has three comprehensive coverage plans and allows AHS customers to choose their own service fee between $75, $100, and $125.
Why It’s Great for Furnaces
AHS covers furnaces that break down due to normal wear and tear in addition to damage from rust, corrosion, sediment, unknown preexisting conditions, improper installation, and insufficient maintenance. AHS includes a $5,000 coverage cap for heating systems in its ShieldSilver and ShieldGold plans.
Plans and Prices
AHS offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. You can choose a $75, $100, or $125 service fee. The higher your service fee, the lower the monthly premium you’ll pay.
Here is a table to compare plans and pricing for American Home Shield:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| ShieldSilver | $29.99–$39.99 | $100–$125 | $5,000 |
| ShieldGold | $49.99–$59.99 | $100–$125 | Systems: $5,000 Appliances: $2,000 |
| ShieldPlatinum | $79.99–$89.99 | $100–$125 | Systems: $5,000 Appliances: $4,000 |
Select Home Warranty
Select Home Warranty provides some of the most affordable premiums and service call fees in the industry. Additionally, it offers discounts on multi-year coverage plans. Another major perk Select offers is free roof-leak coverage per plan. Most providers charge an additional fee for roof-leak coverage.
Why It’s Great for Furnaces
Select’s Gold Care and Platinum Care plans cover furnace and HVAC repairs with a $3,000 HVAC cap. Specifically, a Select plan covers all components of a primary heating system necessary for the system’s functionality, including condenser fan motors, compressors, thermostats, and pressure switches. The company also offers a 30-day workmanship guarantee.
Plans and Prices
Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. Only the Gold Care and Platinum Care plans cover heating systems such as furnaces, while Bronze Care covers major appliances only. Additionally, Select charges customers a $60–$75 service call fee per claim. Similar to LHG, Select assigns its service call fees.
Here is a table comparing Select Home Warranty’s pricing and plans:
| Plan | Monthly Cost | Service Fee | Coverage Cap |
| Bronze Care | $44.42 | $60–$75 | $500 |
| Gold Care | $44.42 | $60–$75 | $500 (HVAC: $3,000) |
| Platinum Care | $47.75 | $60–$75 | Coverage caps remain the same |
Note: We based the pricing above on sample quotes obtained from a 1,800-square-foot, single-family home in San Antonio, Texas. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Why Should You Cover Your Furnace?
To ensure your furnace is protected at all times, consider investing in a home warranty. Home warranties cover repairs to your system if it breaks down unexpectedly. Not only will a home warranty protect your system and prevent you from paying expensive out-of-pocket costs, it also sends a trusted contractor to your home to perform the repairs for you, preventing you from having to find a technician on your own.
Additionally, a home warranty can protect a variety of systems and appliances, including your air conditioner, clothes washer, venting, and ductwork, providing you with comprehensive coverage for your most important home items. For a detailed explanation of a home warranty, explore the specifics in our article.
We recommend requesting free quotes from the home warranty companies listed in this article so you can compare coverage and pricing options and find a plan that works best for your furnace protection needs.
Related Resources
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.
