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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

When temperatures rise and humidity increases, the last thing you want is for your air conditioning to fail. This system is an essential part of your home in Florida, but when it breaks down, it can cost thousands of dollars to repair. Luckily, a home warranty can help you save money when your systems and appliances break. Read on to discover our list of the top home warranty companies in St. Petersburg, 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 St. Petersburg

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 St. Petersburg

  • Average Max Temperature:
    77°F
  • Average Min Temperature:
    71°F
  • Average Annual Snowfall:
    0.0”
  • Homeownership Rate:
    67%
  • Median Home Size:
    1,393 sqft
  • Median Home Price:
    $374,789

Are Home Warranties Worth It for St. Petersburg Residents?

Yes, home warranties are worthwhile for St. Petersburg residents. St. Petersburg summers are very hot, which makes it extremely important that your air conditioner is working well. However, this system can malfunction over time from heavy use.

St. Petersburg 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 per year, based on 120 quotes we requested from home warranty companies across the nation.

The frequent rain in St. Petersburg can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak protection.

Finally, home warranties connect you with trusted service providers. Reputable home warranty companies vet each service provider they work with. If you're busy with work or other priorities, investing in a home warranty ensures you have access to trustworthy technicians.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when selecting the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These 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. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before selecting a plan.

Coverage

You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (like air conditioning), specific appliances, or for 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, consider a company's coverage limits. Our research has shown that higher coverage limits tend to be associated with higher premiums. However, providers with higher coverage limits may still be the best option for homeowners with older systems or appliances.

Exclusions

Most home warranties cover only normal wear and tear, which excludes preexisting conditions and improper installation. Most policies also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. Make sure you read it and understand your protection plan's exact terms and conditions.

Provider Reputation

Provider reputation is another key factor to consider. You can browse customer reviews on sites like Google Reviews, Trustpilot, and Best Company or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles customer service and claims. Check with the Florida Division of Consumer Services to verify a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Trustworthy home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners might prefer home warranty policies with the option to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.

Frequently Asked Questions about Home Warranty in St. Petersburg

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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