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Best Home Warranty Companies in Nevada (2024)

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 02/23/2024

Living in Nevada’s arid climate requires a working air conditioner during most of the year.

Due to the relatively high cost of HVAC system repair, having a home warranty plan with ample coverage helps reduce unexpected repair costs in hot states like Nevada.

They also help protect major home appliances and other essential home structures, helping to keep your home rooming smoothly.

We analyzed the best home warranty companies in the United States and chose the best options for Nevada, comparing plan options, pricing, customer ratings, and more. We chose Liberty Home Guard for its multiple AC unit coverage and excellent add-on catalog. American Home Shield also tops our list for its comprehensive HVAC coverage with every plan. Learn more about our full list of top Nevada home warranty providers to find the best protection for your home.

Did You Know?

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


The 4 Best Home Warranty Companies in Nevada

Liberty Home Guard includes HVAC coverage in two plans and offers protection for multiple AC units. American Home Shield includes comprehensive HVAC coverage under every plan with a generous $5,000 coverage cap.  We’ve listed our complete list of Nevada home warranty companies below:  

Our table below compares key factors of the top Nevada home warranty companies.

Star Rating Monthly Cost 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
First American Home Warranty First American Home Warranty
$42–$82 $75–$125 4-48 hours VISIT SITE
AFC Home Club AFC Home Club
$38–$64 $75–$125 24-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $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 $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 $44–$58
Service Fee $70
Response Time Up to 48 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
AFC Home Club
Logo AFC Home Club
Star Rating
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
VISIT SITE
Company BBB Rating Monthly Cost Service Fee Visit Site
A $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
No results were found.

All cost information in this article is based on quotes we obtained for a 2,125 square-foot, single-family home in Carson City, Nevada. Your monthly premium will vary based on your home’s location, size, and type, plus your plan and add-on choices.


How We Rated Home Warranty Companies in Nevada

We contacted local repair technicians, home builders, and real estate agents to find the best Nevada home warranty providers. They helped identify common appliance and home system failures in the state. Next, we contacted top home warranty companies and spoke with company representatives, reviewed sample contracts, gathered sample quotes, and reviewed coverage and exclusions. 

Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We verified each company offered HVAC and roof-leak coverage in their standard coverage or as an add-on. We researched brand reputation and read third-party customer reviews. We also checked each policy and its claims process, including the filing process, processing speed, and customer support options.


Do I Need a Home Warranty in Nevada?

Nevada residents benefit from a home warranty’s added protection and security. Major home appliances and systems experience wear and tear beyond their initial manufacturer’s warranty. You’ll pay significant repair and replacement costs if these items break down. 

For example, many Nevada residents depend on a functioning air conditioner for most of the year. Between the state receiving 252 sunny days per year and facing triple-digit temperatures during summer months, AC failure could cause major issues for your home life. These brutal conditions also take a toll on your roof, with extreme temperatures deteriorating roof material and causing leaks. With a home warranty plan, these valuable items receive added protection and help save your emergency repair budget. 

Nevada offers a lower cost of living and no individual income tax, which may make it more feasible for homeowners to invest in a home warranty plan. Also, note that a higher percentage of homes are managed under HOAs in Nevada. This can render some coverages unnecessary depending on what the HOA covers. HOAs often have rules regarding water usage, landscaping, and more, which can impact what coverage is needed under a home warranty plan.

Based on our research, we’ve found the most common home system and appliance repairs in Nevada homes:

ItemAverage Cost to RepairAverage Cost to Replace

Gas furnace

$30–$150

$3,800–$10,000

Gas ranges

$100–$500

$230–$3,000

Air conditioning

$100–$650

$2,500 and $15,000

Plumbing leaks

$150–$450

$200–$5,000

Roof leaks

$150–$2,000

$5,000–$13,000

Data sourced from The Home Depot


How Much Does a Home Warranty Cost in Nevada?

Based on our sample quotes, a home warranty in Nevada costs an average of $58 monthly or $696 annually. However, the policy premium isn’t the only cost you’ll pay to use your home warranty. Companies charge a service call fee each time you file a claim. Our research shows the average service call fee ranges from $75–$125 per claim.

Several factors influence the cost of your home warranty coverage, including your home’s size and type, location, and plan choices. Below are additional factors that affect home warranty costs:

  • Add-on protections: Add-on coverage varies based on the provider but could add as much as $25 more to your premium costs. We recommend choosing only essential add-on protection that benefits your home. Many companies offer roof-leak coverage—a common home issue in Nevada—as an add-on. Use a sample quote to build your ideal coverage with add-on costs included. Then, compare at least three quotes to find the best costs. 
  • Coverage level: Comprehensive plans that cover appliances and systems will cost more than targeted coverage options. If you only need system-specific protection, such as HVAC coverage, you could save more with a system-only plan. Think about the major appliances and systems you use most and purchase only the necessary coverage. Also, if you own high-end appliances, pick a company that includes them in its standard plans to ensure sufficient coverage.
  • Home age: Older homes or homes with older systems and appliances are more prone to failure and will need higher coverage caps. You’ll pay more for plans with higher caps and more inclusive policies, including coverage for preexisting conditions. However, you’ll save more with adequate coverage than choosing a plan with lower coverage limits.
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.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
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.

Reviews of the Best Home Warranty Companies in Nevada

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 Liberty Home Guard (LHG) for Nevada homes with multiple AC units and options for system-only coverage. The company offers three plans with appliance-only, system-only, and comprehensive coverage, plus 38 add-on options, such as roof-leak protection. 

Monthly cost: $49–$59

How We Scored Liberty Home Guard

Liberty Home Guard scored 4.5 out of 5 stars in our review standards. We awarded more points for its HVAC coverage, extensive add-on catalog, and 60-day workmanship guarantee. We deducted points for its limited industry experience and restrictive technician policy. 

Here’s how LHG rated it in key categories:

  • Coverage (4.7 out of 5): LHG received high marks for its excellent HVAC coverage and add-on catalog. 
  • Value (4.25 out of 5): We deducted points for its vague service call fee policy and pricing.  
  • Trustworthiness and Transparency (4.8 out of 5): LHG received more points for its impressive customer review scores on third-party sites, averaging a 4.6 out of 5 stars or higher. 
  • Availability and Service (4.3 out of 5): LHG lost points for its limiting service technician policy.

Pros and Cons

Pros Backs repairs with a 60-day workmanship guarantee, twice the industry standard Includes heating and cooling coverage under two standard plans Offers protection for two air conditioning units Cons Can take up to 48 hours for a claim response Does not let you choose your own service provider Requires immediate claim filing when an issue arises

Plans and Cost

When we read through the Liberty Home Guard sample contract, we found out that HVAC coverage comes with two of its plans: System Guard and Total Home Guard. Both plans include a $2,000 with options for coverage for two AC units, a common setup in many Nevada homes. While items receive a $2,000 limit, plumbing and electrical are capped at $500. Homeowners can choose from specialized plans or a comprehensive option for both appliances and systems. 

We’ve detailed LHG’s plans below:

  • Appliance Guard: This appliance-only plan protects essential appliances, including built-in microwaves, clothes washers, and cooktops. Covered items receive a $2,000 coverage limit. 
  • Systems Guard: The next plan covers six built-in systems, including air conditioning, heating, and electrical. While most systems receive a  $2,000 limit, plumbing and electrical receive a $500 cap. 
  • Total Home Guard: The highest plan tiers offer coverage from the Appliance Guard and Systems Guard combined. All caps remain the same. 

LHG offers monthly and annual premium options. You receive two free months of service with an annual plan. Based on our sample quote, annual plans cost between $499 and $599 per year. 

We’ve detailed LHG’s monthly costs and service call fees 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 to customize your plan. Expect to pay $11.99 per month to add roof-leak coverage. When we pulled a sample quote, LHG included recommendations based on Nevada homeowners. The items below are the most popular add-ons for the state: 

  • Limited roof-leak coverage
  • Ice maker (in-fridge)
  • Pool and spa
  • Stand-alone freezer
  • Water softeners

Our Experience With Liberty Home Guard

When reviewing the Liberty Home Guard contract, we couldn’t find clear details on the service call fee. We called the customer support line to ask more clarifying questions. The LHG representative explained that the company determines your service call fee based on your location, plan selection, and add-on options. This policy differs from other providers that offer standard service call fees for all users. This policy makes estimating your final costs while shopping for a provider is difficult.

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 American Home Shield (AHS) for Nevada homeowners needing comprehensive system and appliance coverage. Plans include HVAC coverage at every tier and roof-leak protections with the highest plan. 

Monthly Cost: $39–$99

Why We Chose American Home Shield

American Home Shield scored 4.4 out of 5 stars in our review standards. AHS scored well for its HVAC coverage availability and service fee options. The company lost points for its higher-than-average bundled pricing. Here’s how we rated American Home Shield in key categories:

  • Coverage (4.7 out of 5): We awarded higher points for its comprehensive HVAC coverage in every plan. 
  • Value (4 out of 5): We deducted points for its premium pricing, which is higher than its competitors. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower review scores across third-party review sites. 
  • Availability and Service (4.7 out of 5): AHS scored higher points for its simplified claims process and 24/7 claims line.

Pros and Cons

Pros Includes HVAC protection with every plan Offers customers a discounted annual HVAC tune-up Provides flexible service call fees Cons Charges higher monthly premiums than many competitors Doesn’t offer many optional add-on choices Limits premium options to monthly charges only

Plans and Cost

After reading the American Home Shield sample contract, we learned that Nevada homeowners receive HVAC protection in every plan tier. However, roof-leak coverage only comes with the highest plan, ShieldPlatinum. You must add the roof-leak add-on to obtain coverage with the other plans. All repairs include a 30-day workmanship guarantee. 

We’ll explain American Home Shield’s coverage plans below:

  • ShieldSilver: This plan protects major home systems, including heating, cooling, and electrical. Covered items receive a $5,000 coverage cap for covered items. 
  • ShieldGold: The next plan tier includes major home systems and appliances, such as ductwork and dishwashers. You receive a $5,000 system cap and a $2,000 cap for appliances. 
  • ShieldPlatinum: The highest plan tier includes ShieldGold coverage plus additional protections, such as roof leaks and HVAC tune-ups.  Your appliance coverage cap doubles to $4,0

Our sample quote included two service call fee options: $100 or $125. When we selected the lower fee, our premium charges increased. In addition, our quote didn’t include annual pricing. Many providers offer annual pricing that includes added discounts and free months of service. AHS only provides monthly premiums.

We’ve detailed American Home Shield prices below:

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

American Home Shield has fewer add-ons than other reviewed providers. Other competitors provide a minimum of eight or more options. You can add roof-leak coverage for $10 per month to the two lowest plans. AHS offers competitive add-on pricing, with coverage ranging from $4.99–$21.99 monthly. 

AHS includes the following add-on options for its plans:

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

Our Experience With American Home Shield

Our team member tested AHS by filing a claim for his leaky bathroom pipe. Here’s a summary of his experience:

  • He received a text and email confirmation after filing his claim online.
  • He could not choose his own technician as AHS uses its own network of preapproved technicians.  
  • He confirmed a next-day appointment with a technician within five minutes of receiving his confirmation. 
  • Repairs took two hours, and he was only charged the service call fee.

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 (a lower service call fee than many providers) 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 coverage and add-on variety. We deducted points for only offering one service call fee 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 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 Excludes workmanship guarantee on repairs done with an out-of-network technician 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, which is a higher limit than many providers. 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.

More details on Elite’s plans and pricing can be found in the table below:

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

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
  • Guest house
  • 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. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

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 Nevada homeowners seeking higher coverage caps for high-end items. The company offers unlimited coverage caps for HVAC and up to $7,000 for appliances with its highest plan. 

Monthly cost: $42–$82

How We Scored First American Home Warranty

We gave First American Home Warranty a 4.6 out of 5 in our review standards. We awarded high scores for its generous appliance caps and unlimited HVAC coverage. First American lost points for its limiting service technician policy. Here’s how we rated First American in key categories: 

  • Coverage (4.7 out of 5): First American received higher points for its generous coverage caps, including unlimited coverage for HVAC. 
  • Value (4 out of 5): First America lost points for its higher service call fees and premiums. 
  • Trustworthiness and Transparency (4.8 out of 5): We awarded higher points for its excellent customer review scores. 
  • Availability and Service (4.3 out of 5): First American lost points for its inconsistent claim processing timeline.

Pros and Cons

Pros Covers working home systems and appliances regardless of age Includes up to $7,000 for appliances under its highest plan Provides unlimited coverage cap on heating, cooling, or ductwork coverage Cons Charges slightly higher monthly premiums compared to other providers Does not protect some major home systems under its lowest plan Offers central air conditioning in the Starter Plan as an add-on

Plans and Cost

When we read through the First American’s sample contract, we discovered that the company offers unlimited coverage for most built-in systems, such as HVAC. Water heaters only receive a $1,000 cap. Roof leak coverage comes with the Premium Plan, which is its highest coverage plan. In addition, the Starter Plan only covers heating, not cooling systems. You must add the central AC add-on option for coverage. 

Below is a breakdown of each First American coverage plan:

  • Starter Plan: This plan protects a mix of home systems and appliances, including heating, electrical, and dishwashers. The plan includes a $3,500 appliance cap and unlimited coverage for built-in systems. 
  • Essential Plan: The next plan tier includes the Starter Plan coverage and adds more essential items, such as air conditioning and water heaters. Coverage limits remain the same. However, water heaters have a $1,000 limit.  
  • Premium Plan: The highest plan includes Essential Plan coverage and adds protection for luxury appliances, window air conditioning units, and full garage door systems. Your appliance coverage increases to a $7,000 cap. 

First American offers monthly and annual premiums but doesn’t offer additional bonuses for selecting an annual plan. The company includes three service fees of $75, $100, or $125. Our premium costs were lowered when we adjusted our sample quote for the higher service fee.

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42.00–$57.00

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$52.00–$67.00

$75–$125

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

Appliances: $3,500

Premium Plan

$67.00–$82.00

$75–$125

Systems: Remain the same Appliances: $7,000

Here’s an overview of First American’s monthly rates and fees:

First American includes 12 add-on options with its plans. HVAC protections include central AC for $8.33 and tuneups for $2.08. You’ll pay $8.33 monthly for roof-leak coverage for the two lowest plans. The Premium Plan includes all three protections at no extra cost. 

Additional add-on options include the following items:

  • Pool and spa equipment
  • Septic tank pumping/systems 
  • Water softeners
  • Well pumps

Our Experience With First American Home Warranty

Our team member submitted a First American claim for his home and shared his experience:

  • He submitted an online claim and received a text confirmation with his technician’s contact information.
  • Within 30 minutes, we confirmed a technician appointment.
  • He submitted a claim on a Friday and received an appointment for the following Monday. 
  • The repairs took 30 minutes, and he only paid the service call fee.

AFC Home Club

Best for Customization
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 America’s First Choice Home Club (AFC Home Club) for Nevada homeowners who want extended protections for their HVAC systems. The company offers four plans, three service fees for better customization, and an unlimited workmanship guarantee on all repairs.  

Monthly cost: $36–$62

How We Scored AFC Home Club

We gave AFC Home Club a 4.6 out of 5 in our review standards. AFC Home Club scored higher for its plan variety and flexible service call fees.  We deducted points for its depreciation policy for older appliances and systems. Here’s how AFC Home Club scored in key categories.

  • Coverage (4.3 out of 5): We deducted points for the company’s depreciation policy for items five years and older. 
  • Value (4.5 out of 5): We awarded higher points for its coverage plan variety. 
  • Trustworthiness and Transparency (4.8 out of 5): AFC Home Club received higher points for its unlimited workmanship guarantee.
  • Availability and Service (5 out of 5): We awarded a perfect score for its flexible service technician policy.

Pros and Cons

Pros Includes free-roof leak protection as an add-on for every plan Offers a plan-length workmanship guarantee Provides unlimited caps for HVAC systems Cons Excludes coverage for unknown preexisting conditions Limits electrical and plumbing coverage to $500 May take up to 48 hours to respond to a claim

Plans and Cost

After reading through the AFC Home Club sample contract, we learned that you receive an unlimited cap for HVAC systems with three of the four available plans. We should note that thermostats only receive an $80 limit. We also discovered that AFC Home Club reduces coverage caps for items based on age. Items five years or older receive a lowered cap based on their depreciated value. We don’t recommend these plans for Nevada homeowners with older systems and appliances.

Here are the details of AFC Home Club’s coverage plans:

  • Silver Plan: The lowest plan includes appliance-only coverage, such as cooktops, garbage disposals, and refrigerators. You receive a $3,000 cap for all appliances.
  • Systems Plan: This system-only plan includes HVAC, electrical, and water heaters. You receive unlimited coverage caps for your home systems. 
  • Gold Plan: The next plan tier combines Silver and System Plan coverage. All coverage caps remain the same. 
  • Platinum Plan: The highest includes Gold Plan coverage and adds additional coverage, such as faucets, ice makers, and plumbing stoppages.

AFC Home Club offers both annual and monthly plan premiums. You received perks for choosing an annual plan. With a one-year plan, you receive a $100 discount. You get a $250 discount with a three-year commitment. AFC Home Club allows you to choose a $75, $100, or $125 service call fee.

Here are the details of AFC Home Club’s coverage plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$36.83–$41.83

$75–$125

$3,000

Systems Plan

$44.33–$49.42

$75–$125

Appliances: $3,000

Systems: Unlimited

Gold Plan

$51.92–$57.00

$75–$125

Coverage caps remain the same

Platinum Plan

$57.00–$62.00

$75–$125

Coverage caps remain the same

AFC Home Club provides 13 add-on options for its plans. Pricing starts at $25 and runs as high as $150 per year. You can add roof leak protection to any plan at no additional cost.

Here’s a sample of available add-on options:

  • Double oven
  • Electronic coverage
  • In-ground pool and spa
  • Septic system
  • Sump pump

Our Experience With AFC Home Club

Based on our sample quote, we learned that AFC Home Club lets you choose your own technician for repairs. This is a rare feature, as most home warranty providers use their own network of repair technicians. The company also offers unique perks to its customers, such as free identity monitoring, emergency alerts, and free credit monitoring. 


How Do You Choose a Home Warranty in Nevada?

There are several factors to consider before purchasing a home warranty in Nevada, such as your budget, coverage needs, and location. To ensure you buy the right home warranty, keep the following considerations in mind:

With temperatures hitting up to 125 degrees in parts of Nevada, having a home warranty to protect your air conditioning system makes sense, covering repairs or replacement if it fails in the blazing heat.

Check for Builder’s or Manufacturer’s Warranties

If you purchased a newly constructed home, chances are it has a builder’s warranty. Nevada requires home builders to cover a new home’s built-in systems for one year. You may not need a systems plan if your home includes protection under the builder’s warranty. Similarly, you may not need an appliance-only plan if you recently purchased new appliances. Most new appliances include manufacturer’s warranties valid for 12 to 24 months. Consider purchasing a home warranty after the builder’s and manufacturer’s warranties expire so your essential systems and appliances remain covered.

Research Company Reputation

Another crucial factor to consider is a company’s reputation. Research each company on the Better Business Bureau site to review its rating and accreditation. Read customer reviews and note any patterns of complaints, including poor customer service, delayed claims processing, or denied claims. 

Understand the Claims Process

We recommend reviewing a provider’s general claims process for several reasons. First, you want a provider that openly shares how it handles claims from beginning to end. Second, you want to ensure the provider has a vetting process for its service technicians. Finally, you should confirm whether you can use your own contractor if you already have someone you trust. Some home warranty companies allow you to choose your preferred technician as long as they’re licensed.


How Are Nevada Home Warranties Regulated?

Our research shows Nevada’s Division of Insurance (DOI) regulates home warranty companies. In 2019, Nevada legislators declared that home warranties fall under the same regulations as service contracts. Nevada service contract Statute 690C-150–160 outlines requirements companies must follow before selling plans within the state. For example, home warranty companies must maintain a reserve fund to pay out consumer claims in case the company goes out of business.

The DOI provides a company look-up tool to help Nevada residents find licensed home warranty companies. It also accepts complaints via an online complaint form submission.

Home warranty companies also self-regulate through industry associations. Organizations such as the National Home Service Contract Association and the Service Contract Industry Council work closely with home warranty companies to keep consumer and provider interests in mind.


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.

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 Nevada


Frequently Asked Questions

Is a home warranty mandatory in Nevada?

No, a home warranty is not mandatory in Nevada, unlike homeowners insurance, which mortgage lenders typically require. If you’re purchasing a new home and are unsure about the condition of the major appliances and built-in systems, a home warranty could be a good investment as it will offset the out-of-pocket costs to repair or replace these items.

What is a service call fee?

A service call fee works similarly to an insurance deductible. It’s a previously agreed-upon fee outlined in the service contract with your home warranty provider that you must pay before a contractor proceeds with your service request.

Who should consider purchasing a home warranty plan in Nevada?

Any homeowner who wants to stay ahead of repair and replacement costs for major appliances and home systems should consider purchasing a home warranty in Nevada. Home warranties can protect against most large bills for home appliances and system breakdowns.

How do home warranties work in Nevada?

Home warranty companies find reputable service providers in your area to repair or replace your systems and appliances in exchange for a monthly or annual fee. They also cover the cost to repair or replace those items up to a certain amount. When your covered item breaks down, you submit a claim to your provider for servicing. Once your provider receives your claim, it will search for an in-network specialist and send them to your home to assess the problem, typically within 24 to 48 hours. 


Our Detailed Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We 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:

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.