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Best Home Warranty Companies for Furnaces (2024)

Liberty Home Guard is the best home warranty company for furnace protection because of its high repair limits and dual furnace coverage. Find out who else tops our list of home warranty providers for furnaces in this guide.

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 05/16/2024

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 57 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 almost 60 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.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.

Top Home Warranty Companies for Furnace Coverage


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

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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.


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.


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.

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 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.