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5 Best Home Warranty Companies in Georgia (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 03/14/2024

Living without air conditioning in the middle of a Georgia summer is uncomfortable, to put it mildly. A home warranty can help. These service agreements cover repair and replacement costs when your major home systems and appliances break down—including your air conditioning. This home protection plan can save you the time and hassle of locating a qualified AC repair technician.

We reviewed over 50 leading home warranty companies and chose the best options for Georgia residents. We chose Liberty Home Guard (LHG) as our top choice for its extensive add-on catalog and coverage for multiple cooling systems. American Home Shield (AHS) is our second pick due to its comprehensive plans and generous HVAC coverage. Learn more about our top home warranty picks to help protect your Georgia home.

Key Takeaways:

The best home warranty companies in Georgia are Liberty Home Guard and American Home Shield, based on our extensive research of nearly 60 home warranty providers.
A home warranty will cost you $40–$60 per month in Georgia, depending on your provider and coverage.
Did You Know?

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


The 5 Best Home Warranty Companies in Georgia

Liberty Home Guard offers excellent add-on coverage plus protection for up to two AC units. American Home Shield provides comprehensive appliance and system coverage, including generous cooling and heating caps. We’ve listed our complete list of Georgia home warranty companies below: 

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage
First American Home Warranty: Best Appliance Coverage
Star Rating Monthly Cost in GA Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$29–$89 $100–$125 Up to 48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
$44–$58 $70 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$47–$87 $75–$125 4-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in GA $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in GA $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in GA $44–$58
Service Fee $70
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in GA $44–$47
Service Fee $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in GA $47–$87
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
Company BBB Rating Monthly Cost in GA Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $47–$87 $75–$125 VISIT SITE
No results were found.

Note: The pricing information in this article uses a 2,180-square-foot, single-family home in Atlanta, Georgia. Your monthly premium may vary based on your home’s location, size, and type and your plan and add-on choices.


How We Rated Home Warranty Companies in Georgia

To select Georgia’s top home warranty companies, our team researched the common home appliance and system issues residents face. This research included contacting local real estate and repair professionals, discovering common Georgia home inspection failures, and determining essential home installations based on the state’s regional climates. We then contacted home warranty companies for sample quotes, spoke with representatives, and reviewed home warranty policies. 

Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We reviewed coverage options to ensure key protection for HVAC and roof leaks appeared in baseline coverage or as an add-on. We weigh premium costs versus overall plan value. We verified brand reputation through the Better Business Bureau and by reading customer reviews on third-party sites. Finally, we reviewed availability and services based on customer support availability, the claims process, and the estimated processing timeline.


Georgia Home Warranty Company Reviews

Read more about our top Georgia home warranty providers below. 

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.

We recommend LHG 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

How We Scored Liberty Home Guard

We awarded LHG a 4.5 out of 5 stars in our review standards. The company received high scores for its 60-day workmanship guarantee and extensive add-on choices. We deducted points for its inflexible service technician policy and limited industry experience. Here’s how LHG rated it in key categories:

  • Coverage (4.7 out of 5): LHG scored well for its extensive add-on catalog and unique AC coverage options. 
  • Value (4.25 out of 5): LHG lost points for its vague service fee policy and inflexible fees. 
  • Trustworthiness and Transparency (4.8 out of 5): LHG scored high for its excellent customer reputation, including an A rating with the Better Business Bureau (BBB). 
  • Availability and Service (4.3 out of 5): LHG lost points for its inflexible service technician policy.

Pros and Cons

Pros Includes HVAC and plumbing coverage with two of its plans Offers coverage for up to two air conditioner units Protects repairs with a 60-day workmanship guarantee Cons Does not let you choose your own service provider Only offers roof-leak coverage as an add-on Provides vague details on how it chooses service fees

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

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

Our Experience With Liberty Home Guard

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.

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.

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

How We Scored American Home Shield

AHS received 4.4 out of 5 stars in our review standards. The company received higher points for its flexible service fees and generous HVAC coverage. We deducted points for its higher bundled plan pricing. Here’s how we rated AHS in key categories:

  • Coverage (4.7 out of 5): AHS received higher points for its higher HVAC cap and coverage for damaged items.
  • Value (4 out of 5): We deducted points for its high premium rates for bundled coverage. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS received a low score due to its lower customer review scores. 
  • Availability and Service (4.7 out of 5): We awarded a high score for its 24/7 claims line and quick online claims process.

Pros and Cons

Pros Includes heating and cooling protection with every plan Offers protection for older systems and appliances Provides roof-leak coverage with its highest plan Cons Charges higher for its bundled plans than other reviewed providers Doesn’t include an annual premium option Offers only six add-on options

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$29.99–$39.99

$100–$125

$5000

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

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 Experience With American Home Shield

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.

Elite Home Warranty

Flexible Coverage
4.6 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.

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

How We Scored Elite Home Warranty

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its plan and add-on coverage variety.  We deducted points for its restrictive service technician policy and limited online options. Here’s how Elite rated in key categories:

  • Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 
  • Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  
  • Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
  • Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

Pros and Cons

Pros Offers three comprehensive standard plans Provides 27 add-on options Includes a 90-day workmanship guarantee Cons Charges higher service call fees for high-end appliances Excludes out-of-network contractors from workmanship guarantee Requires you to call for a quote

Plans and Cost

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. 

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

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

Our Experience with Elite Home Warranty

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.

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.

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

How We Scored Select Home Warranty

Select Home Warranty received 4.3 out of 5 stars in our review standards. Select received higher scores for offering free roof-leak coverage and affordable plan pricing. We deducted points for its lower coverage caps for most appliances and systems. Here’s how we rated Select in key categories:

  • Coverage (3.7 out of 5): Select received a low score for its coverage caps, which fall below the $2,000 industry standard. 
  • Value (5.5 out of 5): We awarded a perfect score for its budget-friendly premium pricing.    
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its low review scores across multiple third-party review sites. 
  • Availability and Service (4.3 out of 5): The company lost points for its long claims process timeframe.

Pros and Cons

Pros Includes a $3,000 cap for HVAC systems Offers budget-friendly premium pricing Provides free roof leak coverage with every plan Cons Charges multiple service call fees even if claims occur at the same time Doesn’t provide service call flexibility Offers $500 or lower coverage caps for most appliances and systems

Plans and Cost

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:

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

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

Our Experience With Select Home Warranty

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.

First American Home Warranty

Best Appliance Coverage
4.6 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.

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

How We Scored First American Home Warranty

First American Home Warranty received 4.6 out of 5 in our review standards. The company scored higher for its unlimited system caps and high appliance limits. We deducted points for its inconsistent claim processing timeline. Here’s how we rated First American in key categories: 

  • Coverage (4.7 out of 5): First American scored well for its coverage caps, which included unlimited coverage for HVAC systems. 
  • Value (4 out of 5): We deducted points for its higher service call fees. 
  • Trustworthiness and Transparency (4.8 out of 5): The company scored well for its excellent reputation, which included high third-party review scores. 
  • Availability and Service (4.3 out of 5): We deducted points for its varying claim processing timeframe.

Pros and Cons

Pros Doesn’t cap coverage for most systems, including heating and cooling Offers an additional plan upgrade that covers preexisting conditions Provides up to a $7,000 appliance limit on its highest plan Cons Charges slightly higher service call fees Doesn’t include air conditioning in standard coverage for its lowest plan Omits some essential home system coverage from its basic plan

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$47–$62

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$72

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72–$87

$75–$125

Systems: Remain the same Appliances: $7,000

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 Experience With First American Home Warranty

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.

Do I Need a Home Warranty in Georgia?

A Georgia home warranty can save you money on expensive repairs and replacements if a major system or appliance, such as your water heater, air conditioning system, or refrigerator, breaks down due to normal wear and tear.

According to the U.S. Energy Information Administration (EIA), about 95% of Georgians rely on air conditioning systems to keep their homes cool during sweltering summers.

Without home warranty protections, you’re stuck with finding emergency repair services, which could cost hundreds or more in repair bills. 

Our team researched the most common systems and appliances that Georgia homeowners often repair and their associated costs:

Item

Average Cost to Repair

Average Cost to Replace

$30–$150

$2,000–$7,000

Refrigerators

$40–$350

$200–$5,000

Ovens

$100–$430

$400–$3,000

$100–$650

$2,500 and $15,000

$150–$2,000

$5,000–$13,000

Data sourced from The Home Depot

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
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Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
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Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
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Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

How Much Does a Home Warranty Cost in Georgia?

Based on the pricing information we obtained for this article, you can expect to pay an average of $52 monthly or $624 annually for a Georgia home warranty.  Additionally, service fees range between $75–$125 per claim. The cost of a home warranty can vary widely based on additional factors, such as home size, plan coverage, and add-ons. We’ll detail some key factors below: 

  • Add-on coverage: Choosing add-ons will increase your monthly and annual premium costs. We recommend assessing your coverage needs and only essential add-ons as needed. For example, only a few home warranty companies include roof-leak coverage in their plans, so expect to pay extra for this coverage. 
  • Home size: Based on the hundreds of quotes we’ve pulled, coverage costs increase roughly 10%–15% if your home is larger than 4,000 square feet. We suggest requesting quotes from at least three home warranty companies to compare coverage costs.
  • Specialized vs. comprehensive coverage: The amount of coverage a provider offers in its standard plans and its selection of add-ons affect cost. Our research shows that companies covering over 20 items, such as add-ons, charge more for a coverage plan. We suggest getting a specialized plan if you only need coverage for specific systems or appliances.

How To Choose a Home Warranty in Georgia

Before buying a home warranty in Georgia, consider the following factors to help you get the most out of your plan:

  • Check technician availability: Ensure the home warranty company you choose has in-network technicians near you, especially if you live in a rural area. If in-network service providers aren’t in your area, ensure your home warranty provider allows you to hire your own technician and reimburse your expenses.
  • Consider your local weather: Take into account your local climate. For example, if you live in an area prone to heavy snowfall, such as Rabun County, consider a home warranty coverage with a generous heating coverage cap. 
  • Select your preferred communication: How do you prefer to communicate with your home warranty company? If you prefer the convenience of an online portal, choose a company that includes access to one. If you prefer using your smartphone, consider a company with a dedicated mobile app.

How Are Home Warranties Regulated in Georgia?

Our research shows that Georgia’s Office of Commissioner of Insurance and Safety Fire (OSISF) regulates insurance companies and automotive service contracts. However, there isn’t a clear indication that the OSISF includes home warranties within its jurisdiction. Georgia still protects consumers who purchase a home warranty through the state’s Attorney General’s Consumer Protection Division. You can file a complaint with this division if your home warranty provider refuses to resolve your dispute.
Although there isn’t clear government oversight for home warranties in Georgia, there are industry organizations that enforce self-regulation. For example, the National Home Service Contract Association (NHSCA), comprised of member companies that follow set requirements, has divisions in all states, including Georgia. Its Georgia division lists all the member companies available within the state to help you choose a reputable company.


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.

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.

Life span and repair cost data sourced from InterNACHI and Home Depot


Other Resources for Residents in Georgia


FAQ About Home Warranties in Georgia

How much is a home warranty in Georgia?

On average, a Georgia home warranty costs slightly over $600 annually, with more comprehensive plans costing slightly more than basic plans. Your location, chosen plan, home size, and amount of add-ons you want in your plan will all affect pricing.

What’s the difference between homeowners insurance and a home warranty?

The difference between homeowners insurance and a home warranty is the type of home protection offered. Homeowners insurance covers exterior damage to your home due to weather and other “acts of god.” However, system and appliance failures are not included in that coverage. A home warranty will cover your major home items when they break down due to normal wear and tear. Having both types of protection offers complete coverage for your home and the systems within it. 

When should you buy a Georgia home warranty?

A Georgia home warranty can be purchased at any time during the homeownership process. 

We recommend that all first-time home buyers purchase a home protection plan to cover major systems and appliances. Typically, a real estate agent will include a home warranty in the closing process to sweeten the deal. If you’re an existing homeowner, we can purchase a home warranty whenever you feel you need additional protection.


Our Detailed Rating Methodology

We score each provider using a detailed rating methodology to score each provider objectively. We use four comparison categories and 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
  • Trustworthiness 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.