National Home Warranty first opened its doors in 1986 and has exclusively served Arizona- and Nevada-based homeowners since then. Headquartered in Las Vegas, National Home Warranty has processed more than 300,000 claims since its opening and provides 24/7 customer service.

The This Old House Reviews Team created this National Home Warranty review, assessing the company’s pricing, coverage exclusions, coverage caps, claims process, service fees, customer reviews, and more. Keep reading to learn if National Home Warranty is the best home warranty for you.

Pros & Cons

Compare the advantages and disadvantages of National Home Warranty below:

Has a Better Business Bureau (BBB) rating of A+Has high monthly premiums
Provides an in-house team of contractorsDoesn’t cover refrigerators in its standard plan
Offers generous coverage caps

If you do not live in Arizona or Nevada, we recommend getting a quote from American Home Shield.

National Home Warranty Plans and Coverage

National Home Warranty has three plans available for existing homeowners: Essential, Enhanced, and Premium. These renewable plans are available in one-year increments and can be purchased for numerous property types, such as a single-family home, townhome, mobile home, and duplex.

National Home Warranty’s Essential Plan provides coverage for 16 different home systems, appliances, and services like re-key and pest control. The Enhanced Plan extends coverage to a few more items not covered under the Essential Plan, like malfunctions emanating from mismatched systems, improper installation, repairs, and modification. The Premium Plan is the ultimate level of protection that includes everything under the previous two plans, along with added features such as HVAC maintenance, plumbing maintenance, and 24-hour service.

Here’s an overview of National Home Warranty plans and coverage:

Systems and AppliancesEssentialEnhancedPremium
Air Conditioning/Heating✔️✔️✔️
Plumbing (including stoppages)✔️✔️✔️
Faucets, shower heads, and shower arms✔️✔️✔️
Instant hot water dispenser✔️✔️✔️
Water heater✔️✔️✔️
Electrical system✔️✔️✔️
Central vacuum✔️✔️✔️
Garage door opener (including hinges, springs, cables, rollers, and guides)✔️✔️✔️
Ceiling, exhaust, and attic fans✔️✔️✔️
Range/Single Oven/Cooktop✔️✔️✔️
Built-in microwave✔️✔️✔️
Trash compactor✔️✔️✔️
Garbage disposal✔️✔️✔️
Pest control✔️✔️✔️
Mismatched systems✔️✔️
Improper installation, repair, and modification✔️✔️
Removal of defective equipment✔️✔️
Permits I code violations✔️✔️
Interior hose bibs✔️✔️
Dishwasher (including racks, rollers, and baskets)✔️✔️
Range/Single Oven/Cooktop (including clocks, racks, and handles)✔️✔️
Built-in microwave interior lining, door glass, clocks, handles, and shelves✔️✔️
Trash compactor removable buckets, lock, and key✔️✔️
Garage door opener remote transmitters and keypads✔️✔️
HVAC maintenance (one visit per year)✔️
Plumbing maintenance (one visit per year)✔️
Service within 24 hours✔️

In addition to National’s three plans, there are additional items you can include for an extra cost every contract term. Here’s an overview of the optional coverage and associated costs:

Additional ItemsPrice per contract term
Pool and spa equipment$180
Standard washer and dryer$80
Front load washer and dryer$185
Kitchen refrigerator$50
Additional refrigeration$45
Double oven or combo oven$100
Well pump$85
Septic tank system or pumping$75
Sewage ejector pump$35
Trade service fee buydown option*$100
Washer/Dryer/Kitchen refrigerator$120
Front load washer/Dryer/Kitchen refrigerator$225

*Trade service fee buydown option: Purchasing this add-on feature will reduce the standard service fee from $75 to $25. This new rate applies to claims for all systems, appliances, and services, except pest control coverage.

Coverage Exclusions

Prior to purchasing a home warranty contract, it’s important to know what the plan won’t cover. Every policy has component exclusions targeted toward covered items, and any damage to these will not be paid for by the home warranty company. National Home Warranty’s exclusions are available in detail within the sample contract.

Plumbing System

National Home Warranty covers faucets, showerheads, shower arms, garbage disposals, gate valves, waste and stop valves, toilet tanks, bowls, and wax ring seals. Some components excluded from plumbing system coverage include fixtures, bathtubs, sinks, shower enclosures and base pans, caulking and grouting, filters, and septic tanks.

Kitchen Appliances

National Home Warranty covers all of the critical systems responsible for the operation of your dishwasher, range, oven, cooktop, built-in microwave, trash compactor, and kitchen exhaust fan. However, double ovens, combination ovens, racks, rollers, baskets, handles, dials, knobs, shelves, and meat probe assemblies are barred from coverage.

Rekey Service

You may contact a locksmith to rekey up to four keyholes and make two copies of the new key. Rekey services for duplexes, triplexes, and fourplexes are not covered.

Pest Control

The only pest treatments covered by National Home Warranty are for ants, roaches, crickets, spiders, silverfish, millipedes, centipedes, pillbugs, ground beetles, earwigs, clover mites, and sowbugs. When you make a pest control claim, a $75 service fee will be applied, even if you purchase the Trade Service Fee Buydown Option.

National Home Warranty has a few other coverage exclusions. The company will only cover malfunctions due to normal wear and tear that occurred during the contract term, so if your dryer broke down before signing up for the plan, it will not be covered.

The home warranty provider will also not cover:

  • Items damaged by mold, rot, mildew, or fungus
  • Malfunctions due to insufficient maintenance, rust, corrosion, or sediment
  • Malfunctions resulting from misuse or abuse of an item, or damages caused by fire, smoke, flood, lightning, earthquake, storms, accidents, cosmetic defects, war, or manufacturer’s recall
  • Secondary damages resulting from the failure of a covered item
  • Electronic systems, computerized systems, remote energy management systems, and solar-powered systems and related components

To be eligible for coverage, all appliances and systems must be located within the main foundation of the home or garage, except for your AC unit, pressure regulator, exterior well pump, water heaters, waste/stop valves, pool and spa equipment, sewage ejector pump, and outdoor septic tank system equipment.

Here’s the cost breakdown of National Home Warranty plans for a single-family home:

Cost$470.00 per year $41.77 per month$555.00 per year $48.25 per month$770.00 per year $66.17 per month

Buying an annual plan is cheaper than its monthly alternative—paying the full amount when purchasing the Essential Plan will save you $31.24, while you can save $24 by making a lump-sum payment with the two other plans.

Remember that these are just base prices. Most people will include at least one or two add-ons to their plans, which can increase the final price. Because pricing will depend on the plan you choose, where you live, the type of home you have, and how many add-ons you include in your plan, we recommend getting a personalized quote from National Home Warranty for more accurate pricing.

Service Fees

National Home Warranty requires that you pay $75 for each trade request you file with them. If, for example, you request a plumber and an electrician for the repair of your appliance, you’ll have to pay the service fee twice since they’re two different trades. This fee is due regardless of whether or not your repair is eligible for coverage or if you cancel the appointment.

For an additional $100, you can lower the service fee from $75 to $25 by purchasing the Trade Service Fee Buydown Option. Consider purchasing this upgrade if you see yourself requesting service at least three times per year. If you only file a claim once, you’re better off paying the one-time service fee of $75.

System or ApplianceCoverage Cap
Mismatched systems$250
Improper installations, repairs, or modifications$250
Permits$250 per occurrence
Code violations$250
Dishwasher (racks, rollers, baskets)$50
Septic tank system/Septic tank pumping$500
Sewage ejector pump$500
Plumbing system$1,000
Limited roof leak repair$1,000
Water heater Well pump Heating/Air Conditioning/Evaporative cooler$1,500 $1,500 $1,500
Pool/Spa equipment$2,000
The saltwater control unit, salt cell, and flow sensor for the saltwater chlorinator$1,500
Kitchen refrigerator$5,000
Additional refrigeration coverage$1,000

How to Make a Claim with National Home Warranty

If a covered system or appliance stops working, National Home Warranty gives you three ways to file a claim. You can either call them on the phone, email them, or reach out online.

Upon processing your claim, National Home Warranty will either assign an in-house contractor or a licensed, independent contractor to your case within three business hours, or 48 hours for requests that are placed on weekends or holidays.

The assigned technician will contact you to set up an appointment for diagnosis and repair.

If you have an emergency, you can still make service calls, as long as your issue falls under one of the following categories:

  • Loss of heating or cooling
  • Loss of plumbing
  • Significant loss of electricity
  • A situation that renders the house uninhabitable

National Home Warranty will ensure that emergency requests are met within 24 hours after a claim is filed. If the company cannot complete the request within three days, it will send you a report that lists all the required repairs and the main reasons for the delay in completion.

National Home Warranty Reviews

National Home Warranty is accredited by the BBB and holds an A+ rating. Most National Home Warranty reviews praise the company’s knowledgeable and professional technicians who finish work quickly and efficiently.

Here are a few customer testimonials:

“I have been a customer for 20 years and don’t know what I would have done without them. I have used them many times to repair my kitchen sink, garbage disposal, pool filter, and my central air conditioner. Every tech was very knowledgeable and professional. I highly recommend National Home Warranty.” — James S. on 9/3/2019

Hi, I’ve been with this company for 30 years. They have always been on time and fixed my problems. I’m staying with this company for as long as I own my home. The staff is always nice and knowledgeable, so if you need a home warranty I’d recommend National Home Warranty.” — Jerri P. on 8/21/2019

Our Conclusion

The This Old House Reviews Team gives National Home Warranty an 8.7/10. One reason why we think National Home Warranty is a top home warranty provider is because it uses an in-house contracting system. While most home warranty companies match you with independent contractors, National Home Warranty has its own team of contractors who are fully licensed and on the company’s payroll.

National Home Warranty offers more than two plans for homeowners to choose from. If you purchase one of the advanced plans, you can unlock coverage for breakdowns due to poor maintenance, improper repair, modifications, and mismatched systems. However, the plan prices aren’t the cheapest.

One of the biggest drawbacks of National Home Warranty is that coverage for crucial items, like a refrigerator, is only available as an add-on for $50 extra. Coverage for washers and dryers isn’t available in National’s most basic plan, either.

Preferred Provider: American Home Shield

If you’re looking for comprehensive home warranty coverage and want protection for all the major appliances and systems in your home, consider signing up for a home warranty plan with American Home Shield.

American Home Shield offers comprehensive plans. It has its ShieldSilver™plan that covers essential systems like heating and electrical systems. ShieldGold™ covers major systems, as well as kitchen and laundry appliances. AHS also offers the ShieldPlatinum™ that covers both systems and appliances, and the plan includes roof leak coverage, HVAC tune-ups, and more.

American Home Shield allows customers to choose their service fee, between $75 and $125, with a higher fee corresponding with a lower monthly payment.

To get a free quote from American Home Shield, you can call 844-529-9298 or fill out the simple online form.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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