5 Best Home Warranty Companies in Ohio (2024)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$59

Liberty Home Guard (LHG) has the highest BBB scores and average customer review ratings than other providers in this review. Along with its excellent customer experience, the company offers three coverage plans plus almost 40 add-on options. 

Liberty Home Guard offers three coverage plan options: Appliance Guard, Systems Guard, and Total Home Guard. Service fees vary from $65–$125 based on your coverage plan, location, and add-ons. The company has a $2,000 coverage cap on most items. We learned that electrical and plumbing systems include only a $500 cap for each system. LHG provides a 60-day workmanship guarantee with its plans—twice the industry standard coverage. 

You can choose between a monthly or annual premium. With an annual plan, you’ll pay $499–$599 per year. LHG doesn’t offer additional discounts or free months of service with its annual plans, which is common with other providers. 

The company maintains a 4.7 out of 5 stars on Google Reviews and an A rating* with the BBB. Our team tried calling LHG customer service and reached a representative in under a minute. Its live-chat features also provide quick connections to customer support. 

Homeowners looking for a large catalog of add-on options should consider LHG. The company includes 38 add-on choices, including indoor and outdoor systems and appliances. Some coverage examples include standalone freezers, carpet cleaning, pest control, and plumbing fixtures.

We’ll explain Liberty Home Guard’s monthly plans below:

• Appliance Guard: The lowest plan covers major appliances, including ceiling and exhaust fans, clothes washers, and dishwashers.
• Systems Guard: This plan covers most built-in systems, including air conditioning, ductwork, electrical, and water heaters.
• Total Home Guard: Homeowners receive the combined coverage of the Appliance Guard and Systems Guard plans.
• Optional add-ons: LHG offers 42 add-on coverage options, including floor cleaning, generators, pest control, pools, spas, and second refrigerators.

Here’s an overview of Liberty Home Guard pricing:

You can receive a quote over the phone or using the LHG online tool. If you use the tool, you’ll need certain basic information and home details to get your quote. You must provide your name, phone number, and email to begin the process. Next, enter your home address, home type, and estimated home size. Once you receive your quote, you can switch between plans and premiums to find the best rate. 

LHG sends its own service technicians for repair calls. You can select your own contractor if there are no company technicians in your area. 

Our team analyzed reviews from LHG homeowners. We learned that LHG received positive customer reviews for the service technicians’ professionalism and the quick claims process. Some negative reviews called the company out for issuing lower reimbursements than promised.

We also tested the live chat features and were pleased with the responsiveness and ease of use.

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $29–$89

American Home Shield (AHS) provides comprehensive home warranty coverage to homeowners. Its plans include appliance coverage and unique conditions not typically covered by other companies. 

American Home Shield provides three coverage plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes up to a $5,000 coverage cap per home system. Under the ShieldGold plan, you get ShieldGold coverage plus appliances with a $2,000 cap. The most comprehensive plan, ShieldPlatinum, enhances the ShieldGold coverage with an increased $4,000 appliance coverage cap. Additional benefits include up to $1,000 in code upgrades, HVAC tune-ups, air filter discounts, and roof-leak coverage. 

When we pulled sample quotes for American Home Shield, we received details on all three plans and service fees of $100 or $125. Choosing a higher service fee resulted in a lower monthly premium. If you prefer to pay less for your service call fees, you’ll receive higher monthly rates. All AHS plans include an industry standard, 30-day workmanship guarantee.

Most companies offer monthly and annual premium options and include discounts for choosing annual plans. Unfortunately, American Home Shield only offers monthly premiums for its warranties. 

The company offers three comprehensive coverage plans and two service call fees, giving homeowners more options for plan customization. AHS also includes coverage for preexisting conditions, improper maintenance, and physical damage, including rust and corrosion. These unique protections make AHS an excellent choice for homeowners with older appliances and systems. 

Here is an overview of American Home Shield’s plan options:

• ShieldSilver: This system-only coverage includes major systems such as air conditioning, heating, and plumbing.
• ShieldGold: The next plan includes major systems and appliances, including ranges and water heaters. 
• ShieldPlatinum: The highest coverage plan includes the ShieldGold items plus added benefits, including roof-leak repairs and HVAC tune-ups. 
• Optional add-ons: Homeowners can add coverage for electronics, guest units, pools, septic pumps, spas, and well pumps.

Here’s an overview of American Home Shield’s pricing, service fees, and coverage caps for each plan:

We found American Home Shield’s online quote tool simple. You’ll need your home address, ZIP code, and email address for a personalized price. Homeowners can choose plan and service fee options to find the best fit. The site instantly updates with your adjusted premium costs. 

AHS uses its own network of contractors for service requests. Our team member has an AHS plan and tested the claim process to resolve a leaking bathroom pipe. The AHS representative found a local plumber within the hour and scheduled an appointment for the next day. Our team member’s pipe was fixed, and he only paid the service call fee. 

We read dozens of Better Business Bureau (BBB) customer reviews to gauge brand reputation and service. Overall, customers were pleased with American Home Shield and appreciated their prompt claims process. However, the company has mixed reviews for its customer support team. Some homeowners mentioned claim reimbursements that were lower than expected.

• Provider Review: Select Home Warranty review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$47

Select Home Warranty provides low-cost coverage plans with service fees starting at $80.  You can choose from plans covering appliances-only, systems-only, or combined coverage for the most protection.

Select Home Warranty offers three coverage options: Bronze Care, Gold Care, and Platinum Care. During secret shopping, we learned that Select offers its lowest service fee through an exclusive deal over the phone. Although HVAC systems receive a $3,000 coverage cap, all other systems receive a much lower $500 cap. Select backs its repairs with a 30-day workmanship guarantee.

Select offers options for annual and monthly premiums. You pay between $479 and $524 for annual expenses. When we ran a sample quote, we received $150 off annual premium costs and two additional months of coverage at no charge. 

Its coverage plans start under $50 per month and include service fees as low as $80. Homeowners also receive roof-leak coverage with every plan, which typically requires additional fees. 

Homeowners looking for basic home protections should consider Select Home Warranty. We should note that Select offers lower coverage caps than other competitors. Although the lower premiums make it a more affordable choice, its lower coverage caps could impact your claims process. We’d recommend choosing Select if lower costs and baseline coverage options are your primary concerns.

Below is a breakdown of Select Home Warranty’s plans:

• Bronze Care: Its appliance-only plan includes major appliances, such as cooktops, dishwashers, garbage disposals, and stoves.
• Gold Care: This system-only plan includes major home systems, such as ductwork, electrical systems, heating, and plumbing.
• Platinum Care: The highest-plan tier combines the Bronze and Gold Care coverage plus additional coverage for other items such as luxury appliances.
• Optional add-ons: Add-on options include central vacuums, lawn sprinkler systems, pools, septic systems, stand-alone freezers, sump pumps, and well pumps.

Here’s an overview of pricing for each plan:

Our team pulled quotes for Select Home Warranty via phone and using the online tool. With the tool, you must enter your ZIP code first. Next, you’ll provide your name, phone number, and email before receiving the personalized quote. We did not need to enter a home address. Our team also learned that Select prefers solving customer issues and processing claims over the phone. 

Select will choose a service technician for your repairs in most cases. However, if the company cannot find someone in your area, you can select your own contractor. Select must approve of your selected technician before having them complete the repairs. 

Based on customer reviews, we learned that homeowners appreciated the low-cost options but had issues reaching the customer service department.

• Provider Review: First American Home Warranty review
• Provider Sample Contract: First American Home Warranty sample contract
• State Availability: 35*
• Monthly Cost: $44–$84

*(excluding these states, but click the following links to find the best home warranty companies in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American Home Warranty offers some of the best appliance coverage in our list of reviewed companies. The coverage cap begins at $3,500 for its lowest plans and doubles to $7,000 with its most comprehensive coverage. 

First American Home Warranty provides three plan options: the Starter Plan, the Essential Plan, and the Premium Plan. Homeowners can opt for a $75, $100, or $125 service call fee for their plan. Its Starter and Essential Plans include a $3,500 coverage cap, and the Premium Plan covers up to $7,000. Every plan includes a 30-day workmanship guarantee.

The Essential and Premium plans also include the First American Advantage upgrade, which covers the following items:

• Refrigerant recapture, reclaim, and disposal
• Removal services for appliances and systems
• Up to $250 for a building permit
• Fees associated with cranes and other lifting equipment
• Repairs and replacements on items that malfunction due to improper maintenance or installation

If you own high-end appliances, First American is a solid choice 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. 

You can enhance your coverage with the First American Advantage upgrade, adding additional protection for systems and appliances. This coverage includes protections for improper installations, maintenance, and modifications.

We received quotes for both annual and monthly plan premiums. Expect to pay between $480 and $960 for annual premiums. Unfortunately, First American offers no bonus perks for choosing an annual plan. 

Let’s take a closer look at First American’s coverage plans:

• Starter Plan: Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
• Essential Plan: Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers and dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
• Premium Plan: 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. First American offers limited roof-leak coverage for less than $9 per month.

Here’s an overview of First American’s plan pricing:

Request a quote over the phone or with the company’s online quote tool. When we used the online quote tool, we had to enter our name, phone number, email, and home address. We also choose our home type and estimated square footage. When we received our sample quote, we could adjust our service call fee and switch between annual and monthly premiums. The online tool also offers complete details on each plan below the premium pricing, making it easy to compare options. 

First American maintains its own network of service contractors. You do have the option to choose your own contractor if First American can’t find a local technician for you. One of our team members has a First American coverage plan and processed a claim for a garage door opener repair. He spoke with a rep on a Friday and received a repair appointment for the following Monday. The repairs were completed in under 30 minutes, and he was only charged for the service repair fee. 

After reading homeowner reviewers, we learned that customers liked the prompt claims process but experienced delays with scheduling service appointments.

• Provider Review: AFC Home Warranty review
  
• Provider sample contract: AFC Home Warranty sample contract directory
  
• State Availability: 49 (excluding Hawaii)
• Monthly Cost: $34–$92

America’s First Choice Home Warranty (AFC) earns its spot as one of the best home warranty companies for Ohio homeowners due to its variety of plan options and flexible pricing model. Customers can also select optional coverage for up to 12 additional items, such as tankless water heaters, in-ground pools, and double ovens.

AFC Home Warranty provides four coverage plans: Silver Plan, Systems Plan, Gold Plan, and  Platinum Plan. You can choose from a $75, $100, or $125 service call fee. Choosing a higher fee results in a lower premium.

While getting a sample quote, we learned that HVAC systems have an unlimited coverage gap. The only exception was thermostats, which received a $80 limit. Appliances receive up to $3,000 per item but could receive a lower cap due to age. We discovered that AFC Home Warranty pays the depreciated value of an item older than five years old. All replacements and repairs include a workmanship guarantee with unlimited coverage. 

You may choose between an annual or monthly plan premium. Expect to pay between $347 and $629 annually for AFC Home Warranty plans. The company does offer added savings for choosing an annual option. Selecting a one-year plan includes a $100 discount, while a three-year commitment includes a $250 discount.

Homeowners receive several plan options and service fees to help create the ideal coverage. Along with plan variety, the company offers added benefits, including free credit monitoring and identity fraud protection. AFC Home Warranty is a great choice for homeowners who want more personalized coverage options. 

The company also offers an unlimited workmanship guarantee with its plans. Most warranties include up to 60 days for workmanship coverage. With AFC Home Warranty’s guarantee, your appliances and systems remain covered for as long as you keep your service plan.

Here is an overview of AFC Home Warranty plans:

• Silver Plan: The first coverage tier protects appliances only and includes refrigerators, clothes washers, and dryers.
• Systems Plan: The next plan focuses on home systems only, including air conditioning, heating, and plumbing.
• Gold Plan: You receive coverage for appliances and systems, such as ductwork, oven, range, and garage door opener.
• Platinum Plan: The highest tier includes coverage under the Gold Plan and includes protection for your built-in microwave and ice maker.
• Optional add-ons: Add-ons include central vacuum, double oven, electronic coverage, hot water dispenser,  pool, roof-leak repair, septic system, spa, stand-alone freezer, and sump pump.

We outlined the cost, service fees, and coverage caps associated with each plan below:

Homeowners can receive AFC Home Warranty quotes through a representative or online. When we tested the online tool, we found it simple to use but ran into issues trying to compare plans. Unlike other companies that offer all plan details on one page, AFC requires you to select a plan first, then takes you to a separate page with details. You must switch back and forth between two screens for comparison shopping. These extra steps make the quote process less efficient than other providers. 

You can choose your own contractor for service calls, a rare option with home warranty companies. Although this is a welcomed feature, the company offers mixed coverage limits for home systems, lowering its plans’ overall value compared to other companies. 

Based on our online review analysis, we learned that AFC Home Warranty received mixed reviews from homeowners. Customers appreciate the prompt claims process but were disappointed with the depreciation value policy included with the plans.