Between high winds and flooding, homeowners insurance is a vital purchase in Miami. However, this insurance won’t cover damage to home appliances and systems that happens outside of a natural disaster. If your air conditioner breaks down simply because it’s old and has to work hard, you’ll be on the hook for expensive repair or even replacement bills.

This is where a home warranty is most useful. These residential service contracts cover the costs of repairing or replacing covered home systems and appliances. No one wants to face a south Florida summer without a working air conditioner. To reduce the likelihood you’re surprised by huge repair bills, we’ve compiled a list of the best home warranty companies in Miami.

Top 3 Home Warranty Companies in Miami

The highest-rated home warranty companies in Miami include:

American Home Shield

We find that American Home Shield provides the best overall home warranty in Miami. This company offers decades of experience in the industry, generous coverage caps, and customizable plans to fit every homeowner’s needs.

American Home Shield Plans

American Home Shield’s three plans cover systems, appliances and systems, and both with additional benefits. Here is a breakdown of what each plan covers:

Systems and AppliancesShieldSilver™ShieldGold™ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

If you need additional coverage for outdoor systems, American Home Shield offers add-on options for pools, spas, well pumps, septic pumps, and guest units.

American Home Shield Prices

Every home warranty comes with two price tags. The first is the service call fee, or deductible, which you’ll pay every time a technician comes to your home to diagnose or repair a problem. American Home Shield allows you to customize this fee. You can choose a deductible of $75, $100, or $125.

If you choose a higher deductible, your monthly premium will be lower. You pay this premium every month of your contract whether or not you use it. Homeowners who anticipate getting a lot of use out of their home warranty may want to choose a lower deductible with a higher premium.

Here are American Home Shield’s premium prices for a service call fee of $75:


Monthly Premium

Yearly Premium










Keep in mind that all listed prices may vary by your location and home size. For a personalized quote from American Home Shield, fill out this easy online form.

Liberty Home Guard

Although Liberty Home Guard has only been in business for two years, its excellent customer reviews and Better Business Bureau rating tell us that it’s a highly trustworthy company.

Liberty Home Guard Plans

As with some other home warranty companies, Liberty Home Guard offers three plans: one for appliances, one for systems, and one for both.

PlansSystem GuardAppliance GuardTotal Guard
Air Conditioning
Water Heaters
Clothes Washer
Clothes Dryer
Kitchen Refrigerator
Built-In Microwave
Garbage Disposal
Ceiling and Exhaust Fans
Garage Door Opener

Liberty Home Guard’s list of additional coverage options includes some unique systems and services that other companies don’t cover.

  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Standalone freezer
  • Re-key
  • Second refrigerator
  • Well pump

Liberty Home Guard Prices

Liberty Home Guard’s service call fee of $60 is well below the industry average, making it a good choice for people who need to use their home warranty frequently.


Monthly Premium

Yearly Premium

System Guard



Appliance Guard



Total Guard



Fill out this quick form to receive a personalized quote from Liberty Home Guard.

First American Home Warranty

Finally, First American Home Warranty earns a place on our list by offering excellent value for the money you’ll pay. First American’s plans cover rust, corrosion, and unknown pre-existing conditions, which most home warranty providers exclude.

First American Home Warranty Plans

In Florida, First American Home Warranty offers two plans: the Basic and the Eagle Premier. The only difference is that the Eagle Premier includes coverage for washers and dryers as well as the company’s First Class Upgrade. This option adds coverage for repair-related expenses like refrigerant recapture, building permits, and code upgrades.

PlansBasic PlanEagle Premier Plan
Central Air Conditioning
Electrical System
Garage Door Openers
Attic, Ceiling, and Exhaust Fans
Central Vacuum System
Plumbing System and Stoppages
Toilet Tanks and Bowls
Water Heater
Circulating Pump
Sump Pump
Pressure Regulators
Built-In Microwave
Garbage Disposal
Instant Hot Water Dispenser
Trash Compactor
Re-Key Service
Kitchen Refrigerator
Clothes Washer and Dryer
First Class Upgrade

With either of the above plans, you can also purchase add-on coverage for the following.

  • Additional refrigeration (up to 4 units)
  • Pool and/or spa equipment
  • Septic tank pumping/system
  • Well pump

First American Home Warranty Prices

The $75 deductible from First American is in line with the industry average, as are the premium prices.


Monthly Premium

Yearly Premium

Basic Plan



Eagle Premier Plan



Fill out this form to get a free First American Home Warranty quote.

Our Conclusion

Overall, we recommend American Home Shield for the best home warranty in Miami. However, depending on your budget and other needs, you may find one of the other companies on our list more appealing. Liberty Home Guard is the most trustworthy company on our list. For budget shoppers, First American Home Warranty offers the best value for money with its comprehensive coverage.

FAQs About Miami Home Warranties

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.

To share feedback or ask a question about this article, send a note to our Reviews Team at