Repairing or replacing your furnace doesn’t have to be as difficult or expensive as it may seem. A home warranty company can assist in protecting you financially when it comes to your heating system, air conditioning unit, and other major home appliances and systems.

The This Old House Reviews Team researched the best home warranty companies in the industry that provide coverage for your furnace, heating, and air conditioning systems. Keep reading to compare each provider on prices, plans, and state availability.



Top Home Warranty Companies for Furnace Coverage


American Home Shield

The companyAmerican Home Shield (AHS) is one of the most experienced companies in the home warranty industry. It covers every state except for Alaska and has a nationwide network of more than 15,000 professionals to assist with home repairs and replacements. Not to mention, 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, which is an industry standard, but it also covers damage from rust, corrosion, sediment, unknown pre-existing conditions, improper installation, and insufficient maintenance.

Plans and prices: AHS offers three home warranty plans: ShieldSilver™, ShieldGold™, and the ShieldPlatinum™. With any of these plans, customers can choose a $75, $100, or $125 service fee. The higher your service fee, the lower the monthly premium you’ll pay.



Plan$75 Service Fee$100 Service Fee$125 Service Fee

To get a free quote from American Home Shield, complete this simple form.



Choice Home Warranty

The companyChoice Home Warranty has some of the highest customer review scores in the home warranty industry and provides excellent service to customers in 48 states (Choice is currently not offered in California or Washington). Additionally, Choice doesn’t limit coverage for older homes and doesn’t deny coverage for aging systems and appliances.


Why it’s great for furnaces: Choice Home Warranty covers a variety of heating systems, including oil and gas furnaces. Not only does Choice cover your HVAC system, but it also protects your ductwork and venting systems.

Plans and prices: Choice Home Warranty has two plans: the Basic Plan and Total Plan. The Basic Plan covers your heating system in addition to other systems and appliances, while the Total Plan covers everything under the Basic Plan and adds coverage for your air conditioning, washer, dryer, and refrigerator. The service call fee for both plans is $85.



PlanMonthly Cost
Basic Plan$36.17
Total Plan$43.85

To learn more about how Choice Home Warranty can protect your furnace, fill out this easy online form.



Select Home Warranty

The companySelect Home Warranty provides some of the most affordable premiums and service fees in the industry and offers discounts on multi-year coverage plans. Another major perk of the company is that it offers free roof leak coverage, which isn’t offered by many other home warranty companies.


Why it’s great for furnaces: Select’s Gold Care and Platinum Care plans cover furnace and HVAC repairs and replacements. Specifically, a Select plan covers all components of a primary heating system necessary to the functionality of the system, including condenser fan motors, compressors, thermostats, and pressure switches. The company also offers a 90-day repair 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 like furnaces. Additionally, Select charges customers a $60–$75 service fee depending on their location.


PlanMonthly Cost
Bronze Care$35.83
Gold Care$35.83
Platinum Care$37.50

To learn more about Select Home Warranty, complete this simple online form.



Liberty Home Guard

The companyLiberty Home Guard has been providing service to customers since 2017 and is our pick for the most trusted home warranty company because it has a A rating from the Better Business Bureau (BBB), which is higher than most home warranty companies, and it offers a 60-day workmanship guarantee. Additionally, Liberty Home Guard is offering $150 off, one month free, and free roof leak coverage to This Old House readers.


Why it’s great for furnaces: Liberty Home Guard provides coverage for heating and air conditioning units and covers all mechanical components and parts necessary for the operation of your systems.

Plans and prices: Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Guard. The service call fee for all plans costs $60.



PlanMonthly Cost
Appliance Guard$39.99
Systems Guard$49.99
Total Guard$59.99

To sign up for furnace coverage from Liberty Home Guard, complete this online form or call 866-452-9107.



Why You Should Cover Your Furnace

To ensure your furnace is protected at all times, consider investing in a home warranty that will 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, but your home warranty company will send 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, hot water heater, 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.


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