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Is There a USAA Home Warranty? (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 06/19/2024

Because it can be challenging to pick the right home warranty, we did the work for you and reviewed multiple companies on price, coverage, plans, and other factors. Keep reading this review to learn about USAA home protection plans.

The United Services Automobile Association (USAA) offers multiple financial products, including auto insurance, homeowners insurance, and mortgage loans, for retired and active military personnel and their eligible family members. USAA members receive discounts ranging from 15% to 20% on auto, home, and renters insurance and are guaranteed life insurance once retired from the military.

In this USAA home warranty review, we will go over what USAA covers and doesn’t cover in terms of home protection and explain our reasons for choosing Liberty Home Guard and American Home Shield as two of the highest recommended home warranty providers for comprehensive home protection coverage.

Does USAA Offer a Home Warranty?

Although USAA offered home warranties for a brief time, the insurance company now only offers homeowners insurance and a variety of financial services to help members attain their future financial goals. To learn more about our recommended providers check out the following articles:

USAA Homeowners Insurance Coverage

According to the USAA website, a USAA homeowners insurance policy covers the following events:

  • Fire
  • Theft
  • Vandalism
  • Most weather-related events
  • Liability
  • Identity theft

USAA also covers the following structures and situations:

  • Dwelling coverage—Covers repair or rebuilding of your home if damaged by a covered event
  • Personal belongings—Covers accidental injury or damage to others’ property
  • Home sharing coverage—Covers guests in your home, including those renting a room in your home or the entire home
  • Personal liability—Covers accidental injury or damage to the property of others
  • Loss of use—Covers any increase in living expenses if your home is uninhabitable after a covered event
  • Other structures—Covers other detached structures on your property, such as storage sheds, driveways, fences, and detached garages

What Else Does USAA Offer?

In terms of financial products and services, there is little that USAA doesn’t offer. USAA offers the following programs and products designed to help members plan and secure a strong financial future:

  • Umbrella insurance
  • Auto insurance
  • Renters insurance
  • Mutual funds
  • Mortgages
  • IRAs
  • Optional earthquake coverage

If you’re looking for a home warranty to cover your home’s major systems and appliances, consider a top-rated company like American Home Shield or First American Home Warranty.

Our Preferred Home Warranty Provider: American Home Shield

American Home Shield

Best for Comprehensive Coverage
4.8 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.

If you’re looking for comprehensive coverage for your major home systems and appliances, consider investing in a home warranty with American Home Shield. AHS is a home warranty veteran and provides some of the most extensive protection in the industry.

Coverage Plans

American Home Shield provides three home warranty plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ Plan. ShieldSilver covers major home systems like your air conditioning, electrical, and plumbing. ShieldGold covers essential items like your refrigerator, washer, and dryer alongside major systems. ShieldPlatinum provides coverage for 23 systems and appliances with additional benefits like free roof leak coverage.


American Home Shield plans cost between $29–$89 and has service fees that range between $100–$125, which is in line with the industry standard. AHS also lets customers choose their own service fee—a higher service fee means a lower monthly premium and vice versa.

Here is a table comparing AHS pricing and plans:


Monthly Cost

Service Fee

Coverage Cap








Systems: $5,000
Appliances: $2,000




Systems: $5,000
Appliances: $4,000

Additional Benefits

In addition to their comprehensive coverage and affordable pricing, AHS also offers the following benefits:

  • Provides generous coverage caps on systems and appliances
  • Has a 24/7 customer service team
  • Doesn’t require a home inspection for coverage to kick in
  • Services 49 states, excluding Alaska
  • Has been in business for almost 50 years
  • Is an accredited business with the Better Business Bureau (BBB)
Company BBB Rating Monthly Cost Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $35–$94 $75–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B+ $30–$56 $100–$150 VISIT SITE
A $27–$70 $65–$100 VISIT SITE
No results were found.
Why Trust Us? Our review and rating process for the best home warranty companies
Companies Considered We carefully considered 13 companies to find the best home warranty providers available.
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Comparing the Top Home Warranty Companies

Star Rating BBB Rating Monthly Cost Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
NR $49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
B $29–$89 $100–$125 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
B- $44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
B $42–$82 $75–$125 4-48 hours VISIT SITE
AFC Home Warranty AFC Home Warranty
B $35–$94 $75–$125 24-48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
A+ $44–$58 $70 Up to 48 hours VISIT SITE
Cinch Home Services Cinch Home Services
B+ $30–$56 $100–$150 2-24 hours VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty
A $27–$70 $65–$100 Up to 48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
BBB Rating NR
Monthly Cost $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
American Home Shield
Logo American Home Shield
Star Rating
BBB Rating B
Monthly Cost $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
Select Home Warranty
Logo Select Home Warranty
Star Rating
BBB Rating B-
Monthly Cost $44–$47
Service Fee $60–$75
Response Time 48-84 hours
First American Home Warranty
Logo First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $42–$82
Service Fee $75–$125
Response Time 4-48 hours
AFC Home Warranty
Logo AFC Home Warranty
Star Rating
BBB Rating B
Monthly Cost $35–$94
Service Fee $75–$125
Response Time 24-48 hours
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
BBB Rating A+
Monthly Cost $44–$58
Service Fee $70
Response Time Up to 48 hours
Cinch Home Services
Logo Cinch Home Services
Star Rating
BBB Rating B+
Monthly Cost $30–$56
Service Fee $100–$150
Response Time 2-24 hours
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Star Rating
BBB Rating A
Monthly Cost $27–$70
Service Fee $65–$100
Response Time Up to 48 hours

Frequently Asked Questions

What is a home warranty?

A home warranty is an annual service contract that covers the cost to repair or replace major appliances and home systems as they break down from normal wear and tear. A home warranty plan can be automatically renewed every year for as long as you own your home.

What’s the difference between homeowners insurance and a home warranty?

Homeowners insurance covers the cost of damages to your home due to events like natural disasters, theft, or fire, while a home warranty protects specific appliances and systems as they experience normal wear and tear. Homeowners insurance is required and a home warranty is optional.

What’s the difference between a home warranty and manufacturer’s warranty?

A manufacturer’s warranty kicks in when you buy a home appliance or system and typically covers the item for one year. It usually covers manufacturer defects instead of breakdowns caused by normal wear and tear. A home warranty, on the other hand, can cover major home items for multiple years and protects systems and appliances that fail due to normal wear and tear.

How much does a home warranty cost?

A home warranty costs anywhere between $300–$600 per year. Service fees, or deductibles, range between $75–$125 per service call.

What happens if a technician can’t repair my appliance or system?

If your covered item can’t be repaired for less than it costs to replace it, your home warranty will cover the cost of replacement, up to the coverage cap for the serviced item.

What does a home warranty cover?

Depending on the home warranty provider, a home warranty service contract covers major appliances like your refrigerator and dishwasher or home systems such as your electrical or plumbing. In some cases, you may be required to have a home inspection prior to finalizing a home warranty contract to validate coverage for the items in your plan.

What are the benefits of a home warranty?

There are two main benefits of having a home warranty:

  • Budget protection—Home repairs can be expensive enough to put you and your family at financial risk. A home warranty plan covers surprise repairs or replacements, leaving your emergency fund safe.
  • Convenience—Your home warranty provider will connect you with a licensed contractor in your area when an appliance or system breaks, eliminating the hassle of finding a trustworthy repair service provider on your own.

Are home warranties cost-effective?

When you consider the average home repair and replacement costs, a yearly premium for a home warranty, including service fees, is extremely cost-effective. Below are the average costs to repair or replace certain items in your home:

  • Installing a new furnace: $3,880–$8,000
  • Repairing a furnace: $288
  • Installing a hot water heater: $1,000
  • Hiring an electrician: $325
  • Replacing a garbage disposal: $80–$720
  • Installing new plumbing pipes: $559– $2,443

Compare those costs to a home warranty that costs around $300–$600 per year, or $25–$50 per month.

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

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.