Skip to main content

We have updated our Privacy Policy and Terms of Use Effective July 1

Best 7 Home Warranty Companies in Columbia, MD

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Maryland is known for its diverse terrain, from Atlantic beaches to the Appalachian Mountains. Wherever you live, extreme temperatures and unpredictable weather can cause expensive damage to your home.

That's why a home warranty is an important asset. Warranties offer coverage for major home appliances and systems, protecting you from expensive repairs and replacements. Read on to learn about the best home warranty providers in Columbia, Maryland.

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 Columbia

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 Columbia

  • Average Max Temperature:
    62°F
  • Average Min Temperature:
    46°F
  • Average Annual Snowfall:
    23.8”
  • Homeownership Rate:
    73%
  • Median Home Size:
    2,586 sqft
  • Median Home Price:
    $475,873

Are Home Warranties Worth It for Columbia Residents?

Home warranties are valuable for Columbia residents. Summers in Columbia can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction from heavy use.

Columbia has relatively mild winters, but there are still days you'll need your heating. The cost of replacing your HVAC system can range anywhere from $2,500–$8,000. Home warranties are comparatively cheaper at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

The regular rain in Columbia can damage your home's roof. Some home warranty policies include limited roof-leak protection, which can mitigate the cost of roof repair.

Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use. If you're busy with work or other priorities, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when choosing the best home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of roughly $65–$125 every time you file a claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before committing to a plan.

Coverage

Many home warranty companies offer plans for select appliances or systems. Figure out which appliances and systems you use the most before choosing a plan. If you only want to cover certain major systems (such as air conditioning) or specific appliances, you can find a plan that meets your needs. 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 coverage limits. You may opt for a provider with higher coverage limits if you have older systems or appliances. According to our research, companies with higher coverage caps typically charge higher premiums.

Exclusions

Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most will also exclude cosmetic issues or appliance components, defects, theft, or routine maintenance. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your protection plan's specific terms and conditions.

Provider Reputation

You should also consider provider reputation. You can also read real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show how a company handles claims and customer service. Check with the Maryland Consumer Protection Division to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's service provider network. Providers should always use licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas might prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, and you'll want the option to choose your own.

Frequently Asked Questions about Home Warranty in Columbia

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.

Explore Useful Articles On Home Warranty

What Is a Home Warranty?

What Is a Home Warranty?

Dana Getz-April 26, 2024

How to Buy a Home Warranty (2024 Guide)

How to Buy a Home Warranty (2024 Guide)

Dana Getz-April 2, 2024

Home Warranty Regulation

Home Warranty Regulation

Dana Getz-April 2, 2024

Related Cost Guides

How Much Does a Home Warranty Cost? (June 2024)

How Much Does a Home Warranty Cost? (June 2024)

Stephanie Koncewicz-May 15, 2024

What Does a Home Warranty Cost a Seller?

What Does a Home Warranty Cost a Seller?

Dana Getz-April 3, 2024