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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

When temperatures climb and humidity rises, you want to make sure your air conditioning won't fail. This essential system is critical in Florida, and when it breaks down, it can cost you thousands of dollars to get it fixed. Luckily, a home warranty can save you money when your appliances and systems break. Read on to discover our list of the best home warranty companies in Melbourne, Florida.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Melbourne

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Melbourne

  • Average Max Temperature:
    81°F
  • Average Min Temperature:
    67°F
  • Average Annual Snowfall:
    0.0”
  • Homeownership Rate:
    74%
  • Median Home Size:
    1,779 sqft
  • Median Home Price:
    $375,504

Are Home Warranties Worth It for Melbourne Residents?

Home warranties are valuable for Melbourne residents. Summers in Melbourne are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.

Melbourne has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of an HVAC system replacement can range between $2,500 and $8,000. A home warranty plan is comparatively cheaper, only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.

Melbourne's heavy rain can also affect your home's roof. Some home warranty companies offer limited roof-leak protection to ease the financial burden of repair.

Lastly, home warranties connect you with reliable service providers. Reputable home warranty companies vet each service provider they work with. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you select the right home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost roughly $53–$62 per month. You'll also pay service call fees whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.

Coverage

You can often find home warranty plans that cover specific appliances and systems. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, look at a provider's coverage limits. A company with higher coverage caps makes more sense if you own older systems or appliances. However, our research shows that companies with higher coverage caps usually charge higher premiums.

Exclusions

Home warranties generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can read customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to see how providers handle claims and customer service. Check with the Florida Division of Consumer Services to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's service provider network. Reliable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider how and where it sources technicians. Select a provider that mentions the names of familiar service contractors. Residents of rural areas should consider going with a home warranty provider that customers choose their technician. Rural areas may not have any in-network service providers available, so customers may need to source their own.

Frequently Asked Questions about Home Warranty in Melbourne

More Home Warranty Resources

Sources

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

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