Our team chose American Home Shield as the best home warranty provider in Idaho. The company can especially benefit owners of older homes with higher coverage limits and protection for items with preexisting conditions. Choice also stands out for its mid-tier coverage levels and affordable comprehensive plans.
A home warranty is especially valuable in Idaho, where harsh winters can strain plumbing, heating, and major systems. A plan can help homeowners avoid high repair costs and ensures coverage for unexpected breakdowns. We reviewed 13 top home warranty providers to find the best options for the state. Read our full review to learn about our other choices in the Gem State, and compare coverage, costs, and more.
Key Takeaways
- We selected American Home Shield as the best home warranty provider in Idaho due to its comprehensive protection.
- The average home warranty in Idaho costs about $42–$81 per month, or around $490–$952 annually, based on quotes we obtained for our top providers.
- According to our 2025 survey of 2,000 home warranty users nationwide, about 50% of Idaho residents chose home warranty plans to protect their plumbing systems.
Idaho’s Top 5 Home Warranty Companies
The highest-rated Idaho home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Summary of the Best Home Warranty Companies in Idaho
Our team looked at pricing, plans, add-on options, customer service, and other factors to find the best options for Idaho homeowners. Here’s a comparative look at our top picks based on some of these factors.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 |
Note: We based this table’s pricing information on the average cost of sample quotes we obtained in all 50 states for single-family homes over and under 5,000 square feet. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Reviews of the Best Home Warranty Companies in Idaho
A reliable home warranty can protect Idaho homeowners from expensive repairs on essential systems and appliances. We’ve reviewed the top providers to help you compare coverage, costs, and benefits, making it easier to find the right plan for your needs.
American Home Shield
American Home Shield (AHS) offers generous home protection plans, each with a high coverage limit on systems and appliances. AHS also offers coverage for rust, corrosion, and sediment damage, making it a good choice for homeowners with older homes.
Why We Chose American Home Shield
We consider AHS the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company is our top pick because it covers several things other companies don’t, such as rust damage and improper installations.
We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered home appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.
AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.
Pros and Cons
Pros
- Doesn’t exclude commercial-grade appliances
- Provides generous coverage caps per covered item
- Covers well pump and septic system pumping in ShieldGold plan, which are add-ons for other providers
Cons
- Doesn’t offer an appliance-only plan option
- Has a limited add-on catalog
Plans and Pricing
American Home Shield offers three coverage plans. The ShieldSilver plan covers major home systems, including electrical, plumbing, and HVAC. The ShieldGold plan expands coverage to both systems and appliances, bringing the total number of covered items to 23. The ShieldPlatinum plan is one of the most comprehensive in the industry, covering everything in the ShieldGold plan while also increasing coverage caps.
Homeowners can request a quote by calling an AHS representative or using its online quote tool. During our research, AHS allowed us to choose a service call fee of $100 or $125, with higher service fees lowering the monthly premium and vice versa.
All AHS plans include a 30-day workmanship guarantee. However, unlike many competitors, AHS does not offer an annual premium option, only providing monthly pricing.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($24 per month): Covers home systems, such as heating, cooling, and electrical
- ShieldGold ($33 per month): Covers major systems and appliances, such as clothes washers, dryers, garbage disposals, and plumbing
- ShieldPlatinum ($97 per month): Covers systems and appliances and adds additional benefits, such as $1,000 for roof-leak repairs
- Optional add-ons: Electronics, pools and spas, guest units, roof-leak coverage, septic pumps, and well pumps
Choice Home Warranty
Choice Home Warranty offers Idaho residents affordable home warranty plans that don’t sacrifice coverage. The company provides comprehensive appliance and system protection for under $70 per month, which is cheaper than many competitors we’ve reviewed.
Why We Chose Choice Home Warranty
The company offers mid-tier coverage for its systems and appliances, providing up to $3,000 per item. On average, home warranty providers offer $2,000–$2,500 in coverage, making Choice a solid option for expensive repairs or replacements. The company also includes a 90-day guarantee on parts and a 60-day guarantee on labor. This guarantee helps homeowners feel confident in their repairs, ensuring that covered fixes get handled properly without additional costs.
Pros and Cons
Pros
- Charges less for comprehensive coverage than some competitors
- Extends a 90-day guarantee on parts and 60 days for labor
- Offers $3,000 caps for its covered items
Cons
- Currently has an ongoing lawsuit with the Arizona Attorney General
- Doesn’t let you choose your own service call fee
Plans and Pricing
Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. This is fewer than some competitors, which offer at least three policies and more customization options. Both plans include systems and appliances for combined coverage. However, the Basic Plan excludes certain commonly covered items, such as air conditioning, laundry appliances, and refrigerators. For more comprehensive protection, you can add these items with the Total Plan.
Choice charges a standard $100 service call fee for repairs. Other providers, such as American Home Shield and First American Home Warranty, offer multiple service fee options, allowing for more pricing flexibility.
Here are details on Choice’s plans and optional add-on coverage:
- Basic Plan ($59 per month): Covers seven systems and seven appliances, such as dishwashers, ovens, and plumbing
- The Total Plan ($67 per month) Covers eight systems and 10 appliances, including air conditioning, clothes washers, clothes dryers, and refrigerators
- Optional add-ons: Up to 10 options, including limited roof leak protection, pools and spas, septic systems, sump pumps, and second refrigerators
Elite Home Warranty
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—a lower rate than many providers—and 27 add-on options.
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Requires you to call for a quote
Plans and Cost
Elite offers three coverage plans: Elite Appliances, Elite Systems, and Elite Complete. Elite Appliances provides a $7,000 total cap for appliance claims, with individual limits for each covered item. This means homeowners can receive coverage up to the total limit, but each appliance has its own maximum payout. Elite Systems includes an $8,000 annual cap for home systems and individual limits for major components, ensuring essential systems like HVAC and plumbing receive dedicated coverage. Elite Complete combines system and appliance coverage, offering the most comprehensive protection.
The company has a standard service call fee of $70, which is lower than many providers. However, it charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Below are the details of Elite’s coverage plans:
- Elite Appliances: Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems: Covers eight home systems, including air conditioning, heating, and electrical systems
- Elite Complete: Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 add-on options including central vacuum, freestanding freezer, pool equipment, well pumps, and wine coolers
First American Home Warranty
Like American Home Shield, First American Home Warranty is a veteran in the home warranty industry with more than 30 years of experience. It stands out for its high coverage limits including up to $7,000 in appliance coverage.
Why We Chose First American Home Warranty
First American is a solid choice if you own high-end appliances due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business.
Pros and Cons
Pros
- Customer service available 24 hours a day, seven days a week
- A risk-free, 30-day money-back guarantee
- Option of a First American Advantage upgrade, which protects improperly installed or maintained systems and appliances
Cons
- Customers can’t build their own plan
- Excludes some key systems and appliances from its lowest plan
Plans and Pricing
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. It offers customers the choice of a $100 or $125 service call fee. The provider sets the coverage limit for appliances at $3,500 per item in its Starter and Essential plans and increases coverage limits to $7,000 per covered appliance in its Premium Plan. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.
First American Home Warranty also offers an annual premium. Unlike other providers, First American doesn’t include extra months of coverage or a discount if you choose an annual premium.
Here are more details about First American’s plan coverage:
- Starter Plan ($66 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, ovens and cooktops, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
- Essential Plan ($88 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
- Premium Plan ($118 per month): Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
- Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps
AFC Home Warranty
AFC Home Warranty stands out for its flexible plan options and policies. The company offers four plans and two service call fees, allowing Idaho residents to build the right coverage for their needs.
Why We Chose AFC Home Warranty
The company offers the longest workmanship guarantee in this review: As long as your plan is active, AFC Home Warranty will cover secondary repairs and replacements at no extra charge. It also allows you to choose your own technician, making working with your preferred local professionals easier.
Pros and Cons
Pros
- Includes a plan-length workmanship guarantee
- Lets you choose your preferred technician for repair calls
- Includes roof-leak coverage with all plans
Cons
- Includes a depreciation policy that reduces claim payouts for older items
- Offers lower caps for some major systems compared to its competitors
Plans and Pricing
AFC Home Wraranty offers four plan options: the Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. The Silver Plan offers appliance-only coverage, while the other plans offer a mix of system and appliance protection. The Gold Plan protects 15 appliances and systems, including HVAC and plumbing, and has no coverage caps for heating and cooling units. The Platinum Plan extends coverage to 20 appliances and systems, including additional items like built-in microwaves and faucets. The Diamond Plan adds coverage for electronics and exterior sewer and water lines, building on the Platinum Plan’s offerings.
Depending on your budget and coverage level, you can choose between a $75 or $125 service call fee. This can help lower your monthly costs or provide more flexibility. The company also offers multiyear plans for extended protection, from one to three years.
Here are more details about AFC Home Warranty’s plans:
- Silver Plan (call for a quote): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and ovens
- Gold Plan ($44 per month): Covers systems and appliances including HVAC systems, ductwork, and plumbing
- Platinum Plan ($51 per month): Extends coverage to include faucets, plumbing stoppages, refrigerator ice makers, and built-in microwaves
- Diamond Plan ($82 per month): Adds coverage for electronics, exterior sewer lines, and exterior water lines.
- Optional add-ons: Up to eight add-ons including electronics, in-ground pool, in-ground spa, roof-leak coverage, septic system, standalone freezer, sump pump, and well pump
How Much Does a Home Warranty Cost in Idaho?
The average cost of a home warranty in Idaho ranges between $42 and $81 per month, or $490–$952 annually, based on the quotes we gathered. This is slightly below national average pricing, in which home warranties typically cost between $47 and $82 per month, or $564 to $984 per year. While Idaho’s costs align closely with the lower end of the national range, other factors such as local market conditions, the size of your home, and whether you select basic or comprehensive coverage can influence pricing.
Additional costs, such as having a service call fee of $75–$125 per request, are consistent with national averages. However, other variables—such as the number of covered appliances, add-ons like pool or septic tank coverage, and the age of your home—can further affect home warranty costs in Idaho.
Do Home Warranties Cover Preexisting Conditions?
Most home warranties will not cover preexisting conditions for poorly installed or maintained systems and appliances. However, American Home Shield and First American Home Warranty include coverage for items with these issues.
Other Home Warranty Companies Available in Idaho
While American Home Shield, Choice Home Warranty, and Elite Home Warranty are our top picks for home warranty coverage, there are some honorable mentions that also protect homes in Idaho. These include Liberty Home Guard and Cinch Home Services.
Our Conclusion
We recommend these home warranty providers for Idaho homeowners because they offer flexible coverage options and pricing to fit different budgets. American Home Shield is our top pick due to its high coverage caps and comprehensive protection for both home systems and appliances.
Since home warranty pricing varies based on factors like location, plan type, and home size, we suggest getting quotes from at least three providers. Comparing multiple plans will help you find the best balance between coverage and cost for your specific needs.
Other Resources for Residents in Idaho
Our Rating Methodology
We followed a detailed rating methodology to assess each home warranty company we reviewed fairly. Our research included talking to company representatives, requesting quotes, examining sample contracts, and gathering homeowner feedback through surveys and focus groups. Our team also conducted secret shopping and tested 11 top home warranty companies.
Using the data collected, we scored each provider in six key comparison categories, considering factors most important to homeowners. Each category was assigned a specific point value based on its relevance, adding up to a total of 100 points. The final scores were then converted into a 5-star rating.
Below is a summary of how we weighted the factors:
- Coverage We evaluated the comprehensiveness of each plan, with higher scores going to companies offering more coverage and higher limits. Points were deducted for having long waiting periods or depreciation policies that reduce payouts for older items.
- Cost: We assessed average monthly prices and service call fees. Companies offering pricing at or below the industry average, without extra charges, scored the highest.
- Trustworthiness: To measure reliability, we analyzed customer ratings and reviews from sites like the BBB and Trustpilot and responses to complaints. We also considered National Home Service Contract Association (NHSCA) membership. Higher ratings and longer guarantees resulted in better scores, while legal issues led to a deduction of points.
- Plan Transparency: We reviewed contracts and policy details on each company’s website. Providers with clear, upfront information scored better.
- Customer Support): Companies that provided multiple ways to file claims, fast response times, and easy access to support scored well in this category.
- Flexibility: We awarded higher points to providers with various plan options, large add-on catalogs, the ability to select your own technician, and flexible cancellation policies.
