5 Best Home Warranty Companies in Georgia (2024)

We recommend Liberty Home Guard for Georgia homeowners who need customized add-on coverage plus protection for multiple AC units. The company offers 38 add-on options, such as roof-leak coverage, septic systems, and additional appliances. 

Monthly cost: $49–$59

After reviewing the LHG sample contract, we discovered that the company doesn’t offer rook-leak protections with its standard coverage. Instead, you must add coverage as an add-on, which is typical for many home warranty companies. We also learned that although most items receive a $2,000 coverage cap, electrical and plumbing systems include a $500 limit. 

We’ll cover LHG’s coverage plans below:

• Appliance Guard: Its appliance-only plan covers nine major appliances, including built-in microwaves, cooktops, and refrigerators. Appliances receive a $2,000 coverage limit. 
• Systems Guard: The next plan includes six major built-in systems, such as air conditioning, heating, and plumbing. Most systems receive the same $2,000 limit, but plumbing and electrical include a $500 coverage cap. 
• Total Home Guard: The highest plan offers comprehensive coverage for systems and appliances. 

LHG offers monthly and annual premium options, typical for home warranty companies. Based on our sample quotes, LHG includes two free months of coverage for choosing an annual plan. Unlike many providers offering two or more service call fee options, LHG assigns a fee based on your location, plan, and add-ons. Its fees range from $65–$125.

We’ve detailed LHG monthly pricing below:

LHG offers 38 add-on options, one of the highest selections in this review. Prices range from $3.00 to $35.99 per month. The company offers unique protections like rekey services, pest control, and gutter cleaning. When we pulled sample quotes online, LGH included the following popular coverage options among Georgia homeowners: 

• Limited roof-leak coverage
• Ice maker (In-fridge)
• Pool and spa
• Septic system pumping
• Standalone Freezer

Based on our testing, LHG offers one of the quickest connections to its over-the-phone customer support. When we called in, we reached a representative in under 60 seconds. 

Along with its prompt customer line, the company also offers live online chat support.  Our chats connected in under 30 seconds but resulted in messages from an automated bot. To speak with a representative, you must ask for one at least twice in the chat. 

We also learned that you can submit online claims over the phone, online, and through the company’s dedicated mobile app. You can read our full Liberty Home Guard Review to learn more.

We recommend AHS for Georgia homeowners that need coverage for their older homes or systems. The company’s comprehensive plans include protection for items with preexisting conditions and physical damage, which is rare for home warranties. 

Monthly Cost: $29–$89

After reading through the AHS sample contract, we discovered every plan includes a $5,000 coverage cap for heating and cooling systems. Its highest plan, ShieldPlatium, includes roof leak coverage as part of its standard coverage. All other plans require an add-on option for these protections. All repairs include a 30-day workmanship guarantee. 

We’ll detail AHS plans below:

• ShieldSilver: This system-only plan includes major home systems, including cooling, electrical, and heating. All systems receive a $5,000 coverage cap. 
• ShieldGold: The next plan combines the ShieldSilver plan and adds major appliance coverage, such as refrigerators and ovens. Coverage includes the same $5,000 system cap plus $2,000 for appliances. 
• ShieldPlatinum: The highest plan includes ShieldGold coverage and offers additional perks, such as HVAC tune-up and rook-leak protections. Your appliance coverage doubles to $4,000. 

AHS offers a choice between a $100 or $125 service call fee. When we chose a higher fee for our sample quote. Unlike other providers that offer annual and monthly premiums, AHS only provides monthly premium plans. 

Here’s an overview of AHS’ monthly pricing:

AHS only has six add-on options to accompany its plans. Based on our research, many companies offer at least eight or more options.  You’ll pay $10.00 per month to add roof-leak coverage to the ShieldSilver and ShieldGold plans. 

Additional add-on options include the following coverage:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Septic pump
• Well pump

Our team member tested the AHS claims processing to repair a faulty bathroom pipe. Here’s a summary of his experience:

• He received a text and email confirmation after submitting his online claim. 
• Five minutes later, a service technician contacted him to set a next-day appointment. 
• The technician fixed the leaky pipe in two hours. 
• Our team member only paid the service call fee for his visit.

For more information read our detailed analysis of American Home Shield.

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee and 27 add-on options.

Monthly cost: $44–$58

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

We recommend Select Home Warranty for Georgia residents looking for baseline protection at an affordable price. The company offers free roof-leak protection with every plan and keeps its pricing under $50 per month. 

Monthly cost: $44–$47

After reading through the Select Home Warranty sample contract, our team discovered homeowners receive $3,000 for HVAC systems but only $500 for other items. The company includes free roof-leak coverage with every plan, which is typically offered as an add-on with other providers. We recommend Select for Georgia homeowners looking for affordable home warranty plans focusing on roof-leak and HVAC protection. 

Below are details on Select Home Warranty’s plans:

• Bronze Care: This appliance-only plan covers eight major appliances, including dishwashers, refrigerators, and ovens. All appliances receive a $500 cap.
• Gold Care: This plan covers six major home systems, including air conditioning, heating, and plumbing. Most items receive a $500 cap, except heating and cooling, which includes up to $3,000 in coverage. 
• Platinum Care: Its comprehensive plan includes Bronze and Gold Care items, plus other items such as garage door openers and plumbing stoppages. Coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. Our sample quotes include a discount of $150 and two additional months of coverage with its annual premium option. In addition, we learned that service call fees are assigned to customers. You can expect a service call fee between $60–$75 service per claim. 

Here are Select Home Warranty’s monthly costs and service fees:

Select offers nine add-on options priced lower than its competitors. Pricing ranges between $3.33 and $8.33 per month. You must add the free roof-leak add-on to receive coverage. 

Some additional add-on options include the below items: 

• Central vacuum
• Lawn sprinkler system
• Pools
• Septic system
• Standalone freezer

When our team called for a quote over the phone, we received a phone-exclusive offer for the lowest service fee available. Our customer service representative advised that Select prefers processing claims and account issues over the phone.

In addition, we discovered that Select uses its own network of preapproved technicians for its repairs. You can use your own technician if it can’t find one in your area, but the company must approve them first.

We recommend First American Home Warranty for Georgia homeowners who own high-end appliances and who need frequent home system servicing. The company offers unlimited caps for most systems and up to $7,000 of appliance coverage. 

Monthly cost: $47–$87

After thoroughly reading First American’s sample contract, we discovered that the Premium Plan includes roof-leak coverage. However, you must add a roof-leak add-on for the other two plans. Most systems include an unlimited coverage cap except water heaters, which have a $1,000 limit. Our sample quote showed that the Starter Plan doesn’t cover some essential items, such as clothes washers, dryers, and air conditioners. You can add AC coverage as an add-on, though. You can also add the First American Upgrade to the Essential and Premium plans for added coverage for items with preexisting conditions. 

We’ll review First American’s plan coverage below:

• Starter Plan: The lowest tier offers essential appliance and system coverage, such as heating, plumbing, and refrigerators. This plan includes a $3,500 appliance cap and unlimited coverage for home systems.
• Essential Plan: This plan includes Starter Plan coverage, plus protection for most items, such as air conditioning, clothes washers and dryers, and water heaters. You receive the same coverage limits. Water heaters receive a $1,000 limit.  
• Premium Plan: The highest plan includes the Essential Plan items plus coverage for additional items such as luxury appliances and window air conditioning units. The appliance coverage cap doubles to $7,000. 

First American Home Warranty offers annual and monthly premiums. Unfortunately, First American doesn’t offer bonus months of coverage or discounts with its annual plans. The company offers flexible service call fees of $75, $100, or $125. Our premium rates increased when we chose a lower call fee for our sample quote. 

We’ll outline First American’s monthly rates and fees below:

You can choose from 12 add-on options for your plan. These options include central AC coverage for $8.33 and HVAC tune-ups for $2.08. You’ll add $8.33 per month to your premiums when adding roof-leak coverage for the Starter Plan and Essential Plan. 

Additional add-on coverage includes the following items:

• Pool/spa equipment
• Septic tank pumping/systems 
• Up to three additional refrigerators 
• Water softeners
• Well pumps

Our team member submitted a First American claim for a broken garage door opener. Here’s an overview of his experience: 

• 30 minutes after submitting his online claim, he received a text with the service technician’s details. 
• 30 minutes after that text, the technician called to schedule an appointment. Our team member called on a Friday and received an appointment for the following Monday. 
• The repairs took less than 30 minutes, and he was only charged the service call fee.