Based on our testing and analysis, American Home Shield is the best home warranty company in Nebraska due to its strong coverage caps and plan customization options. A home warranty can offer Nebraska homeowners financial protection and peace of mind against unexpected repair and replacement costs when major home systems and appliances break down.
With temperatures ranging from 30 degrees below zero in the winter to over 90 degrees Fahrenheit in the summer, HVAC systems in Nebraska face a lot of strain all year round. A comprehensive home warranty plan protects essential systems—such as air conditioning, heating systems, cooktops, garbage disposals, and water heaters—against failure from normal wear and tear.
Key Takeaways
- We selected American Home Shield as Nebraska’s leading home warranty provider, reflecting the results of our 2025 survey, in which 32% of state respondents have a plan with the company.
- Nebraska’s average home warranty cost is $46–$87 per month, or $552–$1,044 per year.
- Our survey shows that 35% of Nebraska homeowners prioritized heating or furnace systems coverage when selecting a home warranty plan.
Top Home Warranty Companies in Nebraska
We researched dozens of home warranty companies to find the best providers for Nebraska homeowners. Here are the top 5 home warranty companies in Nebraska:
- American Home Shield: Best 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
Compare Home Warranty Companies in Nebraska
The table below compares the top home warranty providers in Nebraska based on several key factors, including cost and reputation. Note that Elite Home Warranty’s pricing is from its website.
| Provider | Our Score (Out of 5) | Service Call Fee* | Response Time | BBB Rating** |
|---|---|---|---|---|
$100–$125 | Up to 48 hours | B | ||
$100 | 24–48 hours | B | ||
$70 ($150 for after hours and weekends) | Up to 48 hours | B | ||
$100–$125 | 4–48 hours | B | ||
$75–$125 | 24-48 hours | B |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Reviews of Top Providers in Nebraska
We evaluated home warranty companies based on available coverage options, service call fees, and responsiveness. Our team obtained sample quotes from each provider for a 2,400-square-foot home in Lincoln, Nebraska to accurately compare plan costs and coverage limits.
American Home Shield
Coverage Overview
- The ShieldSilver plan covers major home systems with a generous $5,000 coverage cap per system
- The ShieldGold plan adds appliance coverage with a $2,000 limit per appliance
- The ShieldPlatinum plan doubles appliance coverage and includes roof-leak repairs up to $1,500
Keep in Mind
- Monthly premiums are some of the highest in Nebraska
- The company doesn’t offer an appliance-only plan option
Our Review
American Home Shield (AHS) sets the standard for comprehensive coverage in Nebraska. It protects items that many providers exclude, such as improper installations and damage from rust or sediment. AHS’ adjustable service call fees mean you can lower your monthly premiums by choosing a more expensive service call fee or vice versa.
Our first-hand experience revealed quick response times, with most claims processed within 24 hours. While AHS charges higher premiums than some other providers, its large coverage caps and willingness to cover items regardless of age make it a great choice for older homes in Nebraska.
Choice Home Warranty
Coverage Overview
- Includes $3,000 coverage limits for most items
- Offers two plans with full home coverage for less than $75 per month
- Extends a 90-day workmanship guarantee on parts and 60-days on labor, longer than most competitors
Keep in Mind
- Only offers two coverage plans, while most providers offer three
- No service call fee flexibility, which can limit plan customization
Our Review
Choice Home Warranty is one of the best options for budget-conscious buyers because it offers comprehensive coverage for less than $75 per month. Choice also includes $3,000 coverage limits for most items, which is generous for appliances but a little low for expensive systems such as your HVAC. Choice also has a 90-day workmanship guarantee for parts and 60 days for labor, which is longer than the industry standard of 30 days. Considering these perks, Choice offers a good value for the price.
However, Choice is currently subject to a consumer fraud lawsuit filed by the Arizona Attorney General. This lawsuit alleges that Choice misled customers and denied claims in bad faith. While the company has a good amount of positive reviews on sites like Trustpilot and Google Reviews, the lawsuit is still ongoing and worth noting for potential buyers.
Elite Home Warranty
Coverage Overview
- The Elite Appliances plan covers eight essential appliances with coverage caps up to $7,000 per term
- The Elite Systems plan protects eight major systems with an $8,000 annual coverage limit
- The Elite Complete combines both plans to cover eight appliances and eight systems
Keep in Mind
- Service call fee increases to $150 for high-end appliance repairs and after-hours service
- No workmanship guarantee for repairs done by out-of-network contractors
Our Review
Elite Home Warranty offers Nebraska homeowners higher coverage limits than most competitors, up to $4,000 for air conditioning units and $2,000 for electrical systems. Its standard $70 service fee is the lowest in the industry, though it increases for premium appliances and weekend service. You can also select a plan that lets you customize your coverage.
Our testing revealed efficient claims processing, with most service appointments being scheduled within 24 hours. Elite’s 90-day workmanship guarantee exceeds the industry standard, giving homeowners extended protection on covered repairs completed by in-network technicians.
First American Home Warranty
Coverage Overview
- The Essential Plan covers major systems and appliances with unlimited caps for built-in systems
- The Premium Plan increases appliance coverage to $7,000 while maintaining unlimited system caps
- Both main plans include free coverage upgrades for unknown preexisting conditions and code violations
Keep in Mind
- Has the highest monthly premiums in Nebraska, based on our research
- The Starter Plan doesn’t cover ACs and essential appliances
Our Review
First American Home Warranty (FAHW) distinguishes itself with unlimited coverage caps for most built-in systems and a generous $7,000 limit for appliances under its Premium Plan. Its optional First Class Upgrade adds valuable protection for building permits, as well as improper installations that were completed before coverage and without your knowledge, making it a top choice for older Nebraska homes.
FAHW’s 30-day workmanship guarantee is in line with the industry standard, though its monthly premiums tend to be higher than competitors. In our experience, claims were processed promptly, with most service appointments scheduled within 24–28 hours of submitting a claim.
AFC Home Warranty
Coverage Overview
- Basic plans provide coverage for either major appliances or home systems
- Premium plans combine and expand appliance and systems coverage; the Diamond Plan covers smart-home electronics
- Most plans don’t have coverage caps on HVAC repairs
Keep in Mind
- Coverage caps decrease for items older than five years
- Higher service fees are required for after-hours repairs
Our Review
AFC Home Warranty sets itself apart with its plan-length workmanship guarantee and unlimited coverage for HVAC systems, which is ideal for newly built homes in Nebraska. AFC also lets you choose your own technician, and it’s one of the cheapest home warranty providers on this list—particularly due to its service fee flexibility and four plan options. However, its depreciation policy reduces coverage value for older appliances and systems.
One of our team members filed a service request for a running toilet. The online claims process took five minutes, and AFC located a local contractor within an hour. While the initial repair required a follow-up visit, AFC handled the situation efficiently and covered both appointments under the original service fee.
Our Experience Filing Claims
We tested the claims processes for several Nebraska home warranty companies by having team members submit real service requests. Our testers documented their experiences with customer service, contractor communications, repair quality, and overall satisfaction to provide authentic insights.
One of our testers filed a claim with Liberty Home Guard for a dishwasher leak. She found the online portal intuitive and received clear confirmation of the claim she submitted. “Having had a dishwasher leak last year, it provides me comfort to know that if anything happens to my appliances, I can get a third party to deal with those details quickly,” she noted.
Another team member tested First American Home Warranty’s process with a garage door opener repair. After submitting an online claim on a Friday, he received text confirmation with contractor details within 30 minutes. The contractor completed the repair the following Monday and our team member only had to pay the service call fee. The contractor took less than 30 minutes to diagnose and fix the issue.
We also evaluated American Home Shield’s claims process when one of our testers reported a plumbing leak. After submitting the claim through AHS’ mobile app, he received an email confirmation and contractor assignment within five minutes. The technician arrived early the next day and completed the plumbing system repair within two hours, showcasing the company’s efficient service delivery.
Home Warranty Costs in Nebraska
Nebraska home warranty plans typically cost $46–$87 per month, or $552–$1,044 annually. The median plan is around $67 per month, slightly above the national home warranty average of $55, but overall pricing remains comparable. Costs vary based on factors such as home size, location, provider, coverage, and service call fees.
| Provider | Monthly Cost in Nebraska* | Service Call Fee |
|---|---|---|
| American Home Shield | $24–$100 | $100–$125 |
| Choice Home Warranty | $63–$72 | $100 |
| Elite Home Warranty | $44–$59 | $70 |
| First American Home Warranty | $84–$136 | $75–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
We gathered over 4,000 quotes from 13 companies across all 50 U.S. states to estimate home warranty costs in Nebraska and nationwide. Using sample addresses for single-family homes under and over 5,000 square feet, we collected data from urban and rural areas in Nebraska, including Ceresco, Lincoln, Omaha, and Papillion. National pricing also reflects sample quotes we obtained for homes within the same size range. We then averaged these costs to establish state and national price ranges.
Survey Insights from Nebraska Homeowners
Our team surveyed 2,000 homeowners nationwide in 2025 to better understand their home warranty needs and experiences. In Nebraska, heating and furnace systems and air conditioning were the most commonly covered systems, while refrigerators and water heaters topped the list for appliance coverage. While 53% of homeowners chose not to add extra coverage, roof leak protection (18%) was the most popular add-on among those who did.
Most Nebraska homeowners purchased a home warranty to protect their aging systems and appliances, preferring comprehensive plans that cover both types of items. Nearly 55% of Nebraska homeowners selected American Home Shield as their provider, aligning with our pick for the best home warranty in the state.
Of the home warranty customers surveyed, 88% were approved for their last claim, with 53% receiving repairs. While 65% of Nebraska homeowners report being satisfied or very satisfied overall, 35% plan to renew their coverage, and 53% feel uncertain about renewing at the end of their current term. This uncertainty suggests that while satisfaction is generally high, some homeowners still weigh the value of continuing coverage. If you’re unsure about renewal, we recommend reviewing your coverage options and comparing renewal costs with potential out-of-pocket expenses.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners nationwide to gain insights into their experiences with home warranty plans. The survey covered reasons for purchasing warranties, satisfaction with coverage, and experiences with claims and customer service. We also looked at factors such as pricing, add-on coverage selections, and if homeowners want to renew their coverage.
FAQs About Home Warranties in Nebraska
When is the best time to buy a home warranty in Nebraska?
You can purchase a home warranty at any time. Many homeowners choose to get one from their real estate agent when buying a new home, often during the closing process. Others add protection before their home systems and appliances age significantly.
How much does a home warranty cost in Nebraska?
Nebraska home warranty plans typically cost between $46 and $87 per month. Service call fees add $65–$125 per claim, with higher service fees generally resulting in lower monthly premiums. Given the affordable monthly costs, a single expensive breakdown can make a home warranty plan worth it for most homeowners.
What do home warranties typically cover in Nebraska?
Home warranty plans in the Cornhusker State cover the repair costs of essential systems such as HVAC, plumbing, and electrical, plus major appliances, including refrigerators, ovens, and water heaters. Coverage varies by provider and plan level, and you can select add-ons, such as for pools, well pumps, and roof leaks.
Can I choose my own repair technician for my home warranty in Nebraska?
Most home warranty companies require you to use their network of licensed technicians. However, some providers, such as AFC Home Warranty, allow you to use your own contractor or service provider if no in-network technicians are available in your area.
Methodology: How We Evaluated Home Warranty Providers
Our team analyzed home warranty companies by reviewing coverage options, obtaining sample quotes, and testing claims processes. We also consulted industry experts to understand local repair needs. Our evaluation followed our detailed review standards, which rate providers on a 5-star scale across these six key categories:
- Coverage: Nebraska experiences temperature extremes ranging from below-zero winters to 90-degree summers, placing heavy demands on HVAC systems. Top providers offer coverage limits of $3,000 or more for air conditioning and heating repairs, while lower-rated companies may cap HVAC coverage at $1,500 or less.
- Cost: Monthly premiums in Nebraska average $46–$87, while service fees average between $65 and $125. The best providers balance affordable monthly rates with reasonable service fees, while others charge higher premiums without offering better coverage.
- Trustworthiness: Established companies maintain positive BBB ratings and respond quickly to customer concerns. Less reliable providers may have unresolved complaints or pending legal issues that may impact service quality.
- Plan transparency: Clear contracts spell out coverage limits, exclusions, and repair policies upfront. Poor-performing companies use vague language or bury important coverage details in the fine print of the service contract.
- Customer support: Top providers offer 24/7 claims service and quick contractor dispatch, which is essential during Nebraska’s severe winter storms and summer heat waves. Lesser options may have limited service hours or slow response times.
- Flexibility: The best home warranty companies let Nebraska homeowners customize coverage with relevant add-ons, such as for well pump and septic system protection. Inflexible providers offer very few customization options or restrict the service technicians you can use.
