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Best Home Warranty Companies in Utah (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 04/18/2024

Consider investing in a Utah home warranty plan to protect items such as washers, dryers, air conditioning, and heating systems. A home warranty can cover the costs of repairs or replacements when systems and appliances fail.

Residents in Utah face a unique climate year-round that can cause wear and tear on home systems and appliances.

We analyzed the best home warranty companies in the nation and then selected the top five providers in Utah based on plan options, coverage, pricing, and customer reviews. We recommend Liberty Home Guard as our top choice for home warranty companies in Utah, due to the coverage options they offer along with the unique add-on options they have.

Did You Know?

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


Utah’s Top 5 Home Warranty Companies

The highest-rated Utah home warranty companies include the following:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Summary of the Best Home Warranty Companies in Utah

The table below summarizes our top providers’ key features. We listed each company’s monthly price range, service fee, response time, and Better Business Bureau (BBB) rating. The monthly cost figures are based on quotes we pulled to calculate a national average. We recommend requesting a quote directly from a provider for more accurate pricing.

Best For Monthly Cost in UT Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield Best for Comprehensive Coverage $29–$89 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty Flexible Coverage $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$47 $60–$75 48-84 hours B- VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $42–$82 $75–$125 4-48 hours B VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost in UT $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost in UT $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Best For Flexible Coverage
Monthly Cost in UT $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost in UT $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost in UT $42–$82
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
Company BBB Rating Monthly Cost in UT Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,047-square-foot, single-family home in Salt Lake City, Utah. Your pricing may vary depending on your home’s location, size, type, and plan selections.


How Much Does a Home Warranty Cost in Utah?

The average home warranty coverage plan in Utah costs $56 per month. If you prefer to pay annually, expect to pay $672 per year for a Utah home warranty. Several factors affect home warranty costs. For example, the type of coverage plan you choose directly impacts your total cost. Generally, comprehensive plans featuring major appliance and system coverage tend to cost more than a basic appliance-only plan.

Some companies offer a flexible service call fee structure. These companies raise or lower your premium depending on which service call fee you choose. Typically, the higher service call fee lowers your premium. Carefully consider if a higher service call fee works for your situation. You may pay less monthly but will pay a hefty fee each time you file a claim.

If you have newer appliances, it may be best to opt for a higher fee since the probability of frequent or severe repairs is lower. If you have older systems or appliances, it may be more cost-effective to choose a lower service call fee, assuming you need service more frequently.


Factors To Consider Before Buying a Utah Home Warranty

A Utah home warranty is an investment. Based on our 2022 survey of 1,000 homeowners, 76% of those who own a home warranty said they were very likely or somewhat likely to renew their home warranty plan. Since many providers offer similar coverage, picking the right company for your needs is challenging. Here are several factors to consider before signing up for a home warranty plan:

  • Budget: The cost to own a home warranty can increase if you choose coverage you don’t need. We developed a cost calculator that estimates how much a home warranty will cost you annually. We recommend choosing a company that covers the items you need at a price you can afford.
  • Coverage: To avoid overspending on a plan or a denied claim, consider your coverage needs carefully. Think about the items you use frequently. Since Utah has a hot and dry climate, you should prioritize a company offering solid air conditioning coverage and maintenance.
  • Reputation: A company’s reputation is another factor you should consider before signing up. Check its BBB page and verify if the company has a C- rating or higher. Avoid companies with a lower rating.
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.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of Home Warranty Companies in Utah

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.

Liberty Home Guard (LHG) is our top recommendation due to its solid home protection coverage and additional benefits. It offers a live-chat customer service feature, a rare benefit not offered by many home warranty companies. It also offers an impressive suite of unique add-on options, including window washing, carpet cleaning, and pro-series appliances.

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Accepts customer service requests through a live-chat feature Offers more than 30 additional coverage options Provides a 60-day workmanship guarantee Cons Doesn’t display the service call fee during the quote process Requires claims to be filed as soon as discovered

Plans and Pricing

Liberty Home Guard offers three comprehensive plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers essential appliances, including dishwashers, laundry machines, and cooktops. Systems Guard covers home systems, such as your electrical, plumbing, and ductwork. Total Home Guard combines the coverage of the two earlier plans.

Liberty Home Guard assigns your service call fee based on your plan selection, add-ons, and location. LHG prices its service call fee between $65 and $125.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard: Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard: Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard: Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

See details on LHG plan pricing 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

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.

American Home Shield (AHS) is a solid home warranty provider that offers comprehensive plans, a variety of optional add-ons, and flexible pricing. As a veteran in the home warranty industry, AHS has over 45 years of experience and has served over 1.8 million homeowners nationwide. In addition, AHS covers items that typically aren’t covered, such as items with preexisting conditions.

Why We Chose American Home Shield

We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company covers several things other companies don’t, such as rust damage, unknown preexisting conditions, and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan, which is worth considering if you have higher-end appliances. 

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 Offers flexible service call fees Provides additional benefits, such as discounts on appliances Covers items with undetectable preexisting conditions Cons Offers limited add-on options compared to our providers Doesn’t allow you to choose your own contractor

Plans and Pricing

American Home Shield offers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver plan covers 14 major systems, including HVAC units. The ShieldGold adds to the ShieldSilver plan with coverage for appliances, totaling 23 items. The ShieldPlatinum covers the same items as the ShieldGold plan, plus coverage limits are increased.  The ShieldPlatinum plan also includes one free HVAC tune-up per year. American Home Shield’s limits are generous compared to other home warranty companies.

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver: Covers home systems, such as heating, cooling, and electrical
  • ShieldGold: Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum: Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

See AHS plan pricing details 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

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.

Select Home Warranty

Best Value
4.3 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.

Select Home Warranty (SHW) is another home warranty provider in Utah. The company offers three plans that are all less than $50 a month, and if you sign up today, you get $100 off and two months free.

Why We Chose Select Home Warranty

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Offers free roof coverage up to $400 with every plan Prices all plans below $50 per month Responds to claims within 12 business hours Cons Doesn’t outline service guarantee in service contract Limits coverage of appliances, electrical, and plumbing to $500

Plans and Pricing

Select Home Warranty has three plans: Bronze Care, Gold Care, and Platinum Care. Gold Care protects systems, and Bronze Care protects appliances. Platinum Care covers the systems and appliances in the other two plans and adds coverage for garage door openers and plumbing stoppages.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care: Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care: Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care: Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

See details on Select’s plan pricing below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

First American Home Warranty

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.

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

First American Home Warranty (FAHW) is another top home warranty provider in Utah. It was established in 1984 and provides affordable monthly premiums and deductibles.

Why We Chose First American Home Warranty

We rated First American Home Warranty 4.6 out of 5 stars in our review standards. 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. 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 Covers appliances up to $3,500 per item Offers a First Class Upgrade, which expands coverage to include additional costs, such as debris removal Doesn’t place a coverage cap on HVAC, ductwork, electrical, or water heaters Cons Doesn’t offer roof-leak coverage Has several negative reviews noting hidden fees Only covers air conditioning as an add-on

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 $75, $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. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.

Here are more details about First American’s plan coverage:

  • 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, clothes 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.

See a breakdown of First American’s plan pricing below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$47–$57

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$67

$75–$125

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

Appliances: $3,500

Premium Plan

$67–$82

$75–$125

Systems: Remain the same Appliances: $7,000

What To Expect

First American’s online quote tool requires you to enter personal information, such as your name, phone number, email, and home address. You must also enter your home’s type and the estimated square footage. Once you do, it generates your monthly quote. Although there is extra information you must fill out, we found it simple to adjust our premium based on our chosen service call fee. It also conveniently displays each plan’s coverage options below the price figures.

First American’s sizable coverage limits make it a great choice for those who want total home protection. However, it excludes air conditioning coverage from its entry-level Starter plan. You must pay extra to obtain air conditioning coverage. Some providers include it within their base plans. We would rank First American Home Warranty higher if it covered more states. The company covers the lowest number of states of all the companies in this article.

First American handles claims by sending in-network service contractors to fix your issues. It allows you to use your own if an in-network provider isn’t available near you. One of our team members purchased a plan to test the claims process. He filed a claim for his garage door opener on a Friday and reported First American sent a service technician the following Monday. The technician arrived at his home on Monday and fixed his issue in less than 30 minutes. All he paid was his service call fee.

Our team read dozens of customer reviews. Similar to other home warranty providers, First American holds mixed reviews. A positive theme was how simple it is to file claims. A negative theme involved delays in fulfilling service requests.


How Are Home Warranties Regulated in Utah?

Utah classifies home warranties as insurance. Therefore, the state’s Department of Insurance oversees the licensing and regulation of home warranty companies. Specifically, the Department of Insurance’s Property and Casualty Division handles consumer questions and complaints about home warranties. You can file a complaint online if your home warranty company refuses to resolve your dispute.

Alongside government oversight, industry associations also regulate home warranty companies. For instance, the Service Contract Industry Council (SCIC) works with state lawmakers nationwide to develop regulations home warranty companies must follow. These regulations incorporate consumer protections that limit unethical business practices.


Expert Takes on Home Warranties

We contacted experts in fields such as real estate and appliance repair to learn more about home warranties. Here’s what they had to say:

  • Are Utah home warranties worth it for older homes? According to Dave Bringer, head technician of Bringer Appliance Repair, home warranties provide peace of mind for those with older systems and appliances. “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
  • How can I tell if a Utah home warranty company is trustworthy? Peter Evering, a Business Development Manager for Utopia Property Management, recommends homeowners to research a company’s customer reviews. “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
  • What should I know about a company’s claims process? David Tully, founder of LPT Realty, suggests the following: “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”

Are Home Warranty Plans Worth It?

For many homeowners, comprehensive coverage from a home warranty Utah provider is one of the best ways to ensure systems or appliances are protected from normal wear and tear. These service contracts are also ideal for homeowners who don’t have an emergency budget to spend on expensive repairs or replacement costs.


Annual Home Warranty Cost Calculator

We 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 between them.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

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.


Do Home Warranties Cover Pre-Existing Conditions?

Home warranty service contracts almost always exclude pre-existing conditions. However, companies like First American Home Warranty cover items that were improperly installed, modified, or maintained.


Our Conclusion

Liberty Home Guard, American Home Shield, Select Home Warranty, First American Home Warranty, and AFC Home Warranty are five of the best providers in Utah that protect major systems and appliances in your home. We recommend getting a quote from all five companies so you can compare coverage options and choose a plan that best fits your budget and home protection needs.


Other Resources for Residents in Utah


Frequently Asked Questions

Will home warranty plans replace the HVAC system?

When an air conditioning system or central heating unit fails, a home warranty can cover some of the costs to replace an inoperable system. Check your sample contract to determine how much your home warranty company will pay for a replacement.

When should I buy a home warranty?

Consider signing up for a home warranty when buying a home. In some instances, a real estate agent will include a home warranty in the sale to offer you protection for your first year of homeownership. Even if you don’t invest in a home warranty when you purchase a house, you can purchase one at any point during homeownership.


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for top cities in Utah below:


Our 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:

  • 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
  • Trust 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

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