Best Home Warranty Companies for Furnaces (2023)
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
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best Coverage Caps
- Select Home Warranty: Best Value
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.
| Appliance | Average Repair Cost | Average 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.
Liberty Home Guard
The company: 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. Additionally, Liberty Home Guard is offering $200 off, two months 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 all mechanical components necessary for the operation of your systems. LHG covers up to $2,000 per repair, plus it includes second heating system coverage within standard plans. Most providers 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.
| Plan | Monthly 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.
American Home Shield
The company: 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 pre-existing conditions, improper installation, and insufficient maintenance. AHS includes a $3,000 coverage cap for heating systems in its ShieldSilver and ShieldGold plans. Its ShieldPlatinum doubles its heating system limit to $6,000.
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.
| 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 |
To get a free quote from American Home Shield, complete this simple form or call 844-529-9298.
Select Home Warranty
The company: 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. Specifically, a Select plan covers all components of a primary heating system necessary for the functionality of the system, 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 like furnaces. The Bronze Care covers major appliances only. Additionally, Select charges customers a $75 service fee.
| Plan | Monthly 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 or call 888-370-3956.
Why You Should 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.
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.
