Best overall
Cinch Home Services
4.1
11,920 reviews
- Monthly premium cost
- $38.99 to $66.99
- Service call fee
- $100, $125 or $150
- Labor guarantee
- 180 days
- Availability
- 48 states
Best Home Warranty Companies of 2025
- Best overall
Cinch Home Services4.1(11,920) - Best value
American Home Shield3.8(106,713) - Coverage variety
Old Republic Home Protection4.0(1,881)
By:
Amanda Futrell
+3 more
Best Home Warranty Companies of 2025
Home warranties help cover the cost of repairs and replacements for your home’s major systems and appliances. Our research team compared dozens of companies and chose our top seven home warranty picks based on plan options, customer reviews, coverage limits and price. Based on our analysis, Cinch Home Services, American Home Shield and Regency Total Warranty are some of the best home warranty companies in the U.S.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,696,463 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Our top 7 home warranty company picks
- Best overall: Cinch Home Services
- Best value: American Home Shield
- Best coverage variety: Old Republic Home Protection
- Best technicians: Choice Home Warranty
- Best claims handling: Regency Total Warranty
- Best for quick service: First American Home Warranty
- Best for roof coverage: Select Home Warranty
Read our full methodology for details on how we selected the best home warranty companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.
Compare our top picks
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 | 4.1
11,920 reviews
11,920 reviews
| Best overall | $38.99 | $100, $125 or $150 | Get a Quote |
 | 3.8
106,713 reviews
106,713 reviews
| Best value | $29.99 | $100 or $125 | Get a Quote |
 | 4.0
1,881 reviews
1,881 reviews
| Coverage variety | $50 | $100 or $125 | Learn more |
 | 4.0
69,843 reviews
69,843 reviews
| Best technicians | $46.83 | $100 | Get a Quote |
 | 4.7
845 reviews
845 reviews
| Claims handling | $39.99 | $60 to $100 | Learn more |
 | 4.2
8,740 reviews
8,740 reviews
| Quick service | $42 | $100 or $125 | Get a Quote |
 | 3.8
15,387 reviews
15,387 reviews
| Roof coverage | $60.42 | $75 to $100 | Get a Quote |
How to choose the best home warranty company
It’s important to choose the right home warranty company and plan for your home. Service contracts can be confusing, but below are some tips for finding the right coverage.
- Consider your needs and compare plans: Do you want to cover your appliances, systems or both? Comprehensive coverage or basic? Once you decide what type of plan you need, get quotes from multiple companies — some may match prices. As you research different plans, compare the number of covered systems and appliances, service call fee options, coverage exclusions, and monthly and annual fees.
- Look at sample contracts: See if companies have sample contracts to review — you might have to do a little digging on the website or contact customer service. The sample contract will provide more extensive information about coverage, exclusions, the claims process, additional fees, and terms and limitations. It should also explain how to cancel your home warranty. Be sure to read the contract carefully and get answers to any home warranty questions you have before making a commitment.
- Read reviews: The best way to understand the experience you’re likely to have with a home warranty company is to read reviews from current and existing customers on sites like ours. Overall, customers care about an easy claims process — without frequent claim denials — experienced, timely contractors, transparent pricing and good customer service.
Our 7 home warranty company picks
Best value
American Home Shield
3.8
106,713 reviews
- Monthly premium cost
- $29.99 to $89.99
- Service call fee
- $100 or $125
- Labor guarantee
- 30 days
- Availability
- 48 states
Best coverage variety
Old Republic Home Protection
4.0
1,881 reviews
- Monthly premium cost
- $50 to $80
- Service call fee
- $100 or $125
- Labor guarantee
- None specified
- Availability
- 27 states
Best technicians
Choice Home Warranty
4.0
69,843 reviews
- Monthly premium cost
- $49.17 to $57.50
- Service call fee
- $100
- Labor guarantee
- 30 days
- Availability
- 49 states (not Washington)
Best claims handling
Regency Total Warranty
4.7
845 reviews
- Monthly premium cost
- $39.99 to $45.83
- Service call fee
- $60 to $100
- Labor guarantee
- Unclear
- Availability
- 50 states
Best for quick service
First American Home Warranty
4.2
8,740 reviews
- Monthly premium cost
- $42 to $82
- Service call fee
- $100 or $125
- Labor guarantee
- None specified
- Availability
- 35 states
Best for roof coverage
Select Home Warranty
3.8
15,387 reviews
- Monthly premium cost
- $60.42 to $63.75
- Service call fee
- $75 to $100
- Labor guarantee
- 180 days
- Availability
- 47 states
Best home warranty companies by state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Home Warranties Buyers Guide
Jump into our guides and start learning
In this guide
Keeping essential household appliances and systems in working order can be expensive and cause major headaches, but a home warranty can save you money on repairs when these systems or appliances break down.
All home warranty companies come with a monthly premium and a service fee for repairs, but each offers varying tiers of coverage options, pricing structures and exclusions. In this guide, learn more about how home warranties work, what they cover and how to choose the best home warranty company for your needs.
The average annual cost for a home warranty is about $684 as of June 2025.
Jump to insightA home warranty can be worth it if you have an older home, are buying or selling a house or don’t have a big savings account.
Jump to insightHome warranties only cover systems and appliances, so don’t expect coverage for all your household items (e.g., furniture, art).
Jump to insightHow much does a home warranty cost?
As of June 2025, home warranties typically cost between $30 and $90 a month, according to quotes we received from 22 companies. The average yearly cost is about $684. Premium plans average around $60 per month.
Each time you make a claim, you pay a service call fee (similar to a per-claim deductible) for a technician to visit your home and diagnose the problem. Today’s providers typically charge anywhere from $50 to $150 per visit, depending on your plan and location.
You'll typically pay a monthly fee, averaging around $30 to $90, and a service call fee ($50 to $150) each time you make a home warranty claim.
Paying annually, signing a multiyear contract and taking advantage of promotions can reduce overall costs.
Your costs depend on the plan you choose and any add-on coverages. Basic and cheaper home warranty plans covering fewer systems and appliances cost less, while comprehensive plans that cover both systems and appliances have a higher price tag. Prices will also vary depending on where you live, as the cost of labor and materials differs by region.
Home warranty costs at a glance
To gather the cost ranges below, we received quotes for several tiers of coverage from our top picks on this guide. This data is based on estimates for a home in Austin, Texas.
| Type of cost | Cost range |
|---|---|
| Basic coverage | $29.99 to $60.42 per month |
| Comprehensive coverage | $45.83 to $89.99 per month |
| Service fee | $60 to $150 per claim |
What does a home warranty cover?
Home warranty plans cover specific home appliances and systems. Providers differ slightly in their coverage, but systems plans generally cover electrical, HVAC, plumbing, water heater and ductwork. Appliance coverage typically includes washers, dryers and kitchen appliances (e.g., your dishwasher, refrigerator, oven/range/cooktop, garbage disposal and built-in microwave).
Add-on coverage is usually available for an extra fee. Usually, you can add the following to any base plan:
- Central vacuum
- Guest unit
- Pool and spa
- Roof leak
- Septic systems
- Stand-alone freezer
- Sump pump
- Water softener
What a home warranty doesn’t cover
Home warranties don’t cover preexisting conditions; anything where the damage is cosmetic, such as a dent or scratch; an improperly installed appliance or system; an appliance or system that’s been modified with third-party components; or anything that’s currently under another warranty. They also don’t cover structural issues like foundation cracks.
Keep in mind that even when an item is covered, there are exclusions in all home warranty plans that may lead to the company denying your claim. Specific components of a covered item might also be excluded. Additionally, most contracts include a per-item payout cap (often around $3,000), so costs above that limit become your responsibility.
Is a home warranty worth it?
Home warranties are often worth it — it just depends on your specific circumstances. Many homeowners appreciate their warranty plans simply for the peace of mind, but not everyone has a chance to actually use their coverage. Your finances, the condition of your home and the age of your appliances all impact your likelihood of making a warranty claim.
If any of your appliances or systems are near the halfway point of their lifespan, you might want a home warranty. Most major appliances last 9 to 12 years, and many HVAC systems start aging out after just 5 years of use.
If all of the home appliances are very old, a house can become a ‘money pit’ where one appliance after another needs to be replaced.”
Buyers, sellers, real estate agents and current homeowners are all eligible to buy a home warranty. In some areas, it’s common for the seller or agent to include a warranty in the sale price. If you’re a first-time homebuyer and aren’t familiar with repairing home systems and appliances, a home warranty may be especially worth it. If you have a rental property, a home warranty protects you against unexpected costs when major systems or appliances malfunction.
How much can you save with a home warranty?
The Consumer Financial Protection Bureau's Home Loan Toolkit stresses reserving funds for repairs and maintenance, often estimating 1% to 3% of a home's value per year. On a $375,000 home, that translates to $3,750 to $11,250 set aside annually. That’s far more than the typical $300 to $900 home warranty annual premium, plus two or three $100 service fees. That could mean saving several thousand dollars if something goes wrong.
Ultimately, how much a home warranty can save you depends on the cost of any necessary covered repair or replacement that comes up. If you paid $900 for a year of coverage, for instance, and you would have spent $3,000 out of pocket in that year on appliance repair and replacement, it definitely was worth it.
Home appliance repair and replacement costs
Home system repair and replacement costs
When is a home warranty not worth it?
A home warranty may not be worth it if:
- Your systems and appliances are new and still under a manufacturer’s warranty.
- You have a large emergency fund and prefer to self-insure. As David in Georgia told us in a review, “We paid for an annual subscription which is $700, and we got paid 300 and something dollars for this specific repair. If I put $650 in the bank, I could have just taken $350 out to pay for this repair.”
- You want full freedom to hire your own contractors without restrictions.
Home warranty pros and cons
Financial peace of mind is great, but there are some potential downsides to consider. Most importantly, you have to weigh the cost of coverage versus your potential savings over time.
Pros
- Cost control for essential repairs
- Convenience
- Transferability to new homeowner
- Potential savings
Cons
- Claims processes can be difficult
- Coverage limits and caps
- May not be able to choose your contractor
- Chance you won’t use it
FAQ
What is a home warranty?
A home warranty is technically a service contract agreement — a plan that covers the cost to repair or replace major systems and appliances that break down from normal use. Plans are designed to protect you financially when things like your plumbing or refrigerator break down and are no longer covered under a manufacturer's warranty.
Who regulates home warranty companies?
Every state has some home warranty regulations and requirements. In some states, the insurance commissioner is the regulating authority. In other states, the real estate commission or another agency governs home warranty regulations.
The regulating authorities help protect consumers from fraud and mistreatment by monitoring companies and giving residents a way to file complaints when necessary.
How long do home warranties last?
Most home warranty contracts last 12 months. Each year, you have the option to renew coverage. If you decide to buy a new home warranty, be sure to read the contract’s terms and coverage exclusions.
Most home warranties take effect after 30 days, with exceptions for contracts purchased as part of a real estate transaction or if you previously had coverage.
What is the difference between a home warranty and homeowners insurance?
Home warranties and homeowners insurance serve different purposes. Homeowners insurance covers situations where your home or belongings are damaged or lost due to fire, vandalism or theft. A home warranty doesn’t replace homeowners insurance but provides an extra layer of financial protection.
Put simply, home warranties cover items that fail because of normal wear and tear. Homeowners insurance covers damage and loss caused by outside forces such as fire and severe weather. It’s often required by mortgage lenders.
Do home warranties cover plumbing?
Yes, most systems plans cover plumbing, though specifics vary. Generally, plumbing coverage includes repairs for gas, drain, water and vent lines; shower and tub valves; built-in bathtub pumps; and clearing of sink, shower, tub, toilet, drain and sewage stoppages.
Do home warranties cover HVAC?
Yes, most home warranty systems plans cover some HVAC elements, though coverage may be limited or capped depending on the plan. Check out sample contracts to be sure your AC and heating systems are covered. As with most types of warranty coverage, general maintenance like HVAC tuneup typically isn’t included.
Do home warranties cover foundation repair?
No, most buyer and seller home warranties don’t cover structural elements like foundation. If you purchase a new-construction home, however, look into what type of coverage your builders provide. They should offer coverage for your home’s structure for a certain period of time.
What is a red flag on a home warranty?
A major red flag on a home warranty is an unclear or vague service contract, particularly regarding exclusions, coverage limits and claim procedures. Other warning signs include high-pressure sales tactics, difficulties reaching customer service, numerous negative reviews and hidden fees.
More details about home warranty red flags:
- Unclear or vague contracts: The service contract should clearly define what is covered, what is excluded, coverage limits, fees and how to file a claim. Vague language, hidden exclusions or complicated cancellation processes are all major concerns.
- High-pressure sales tactics: Reputable companies will not use aggressive sales techniques. If a company pressures you to act immediately or threatens a limited-time offer, reconsider.
- Poor customer service: If reaching customer service is difficult or representatives are unhelpful, it signals the company may be hard to work with during a claim.
- Negative reviews and complaints: Look for consistent complaints about denied claims, billing issues or poor service.
- No state registration: Make sure the company is registered to operate in your state. Lack of registration could mean less legal protection for you.
- Frequent claim denials: Companies that habitually deny legitimate claims may be trying to avoid paying for repairs. Look for reviews mentioning claim handling.
- Misleading marketing: Overly optimistic promises or deceptive language in ads often hide real limitations in the coverage.
- Demands for sensitive information: No legitimate company will ask for your Social Security number or bank account details upfront, especially over unsolicited calls or emails.
Get expert advice on home warranties
We asked experts for their insights into the advantages and financial benefits of home warranties.
![Carlos Martín]()
Carlos Martín
Director, Remodeling Futures Program, Harvard University
Carlos Martín
Director, Remodeling Futures Program, Harvard University
Everything in your home will eventually need repair or replacement, including the home itself. The length of each product’s lifetime depends on a range of factors—the way we traditionally build in the U.S., the quality of the materials installed, the amount you use the appliances and systems, the care and maintenance you put in, and even the environmental conditions in which your home is located. For example, homes in places with increasing summer temperatures are likely to keep their air-conditioning running continuously. However, the roof, external paint and siding, and internal humidity could also be subject to rough conditions that force a replacement far quicker than if they were located in another area of the country.
Generally, the rule of thumb is that appliances will last 10-15 years before they need replacing; equipment like water heaters and fixtures, roofs, external walls, and HVAC systems will last 15-30 years; and core structural components, plumbing systems, and electrical systems should last 30-50 years—assuming proper maintenance and standard operations. While items like appliances need to be replaced more frequently, the big home systems will cost a lot more when they fail. So, consumers should consider how long they intend to be in a home, how frequently they want to replace items for aesthetic or functional reasons beyond operational performance, and how much attention they want to put into maintenance when picking coverage plans.
![Ben Bigelow]()
Ben Bigelow
Associate professor and director, Lemon Construction Science Division, University of Oklahoma
Ben Bigelow
Associate professor and director, Lemon Construction Science Division, University of OklahomaNone of a home’s systems are “prone” to fail. It really just depends on variables like how old they are, whether they are from a reputable manufacturer, and how well they have been cared for (or not) over their lifetime. My home is 22 years old, and I’ve been in it for 7 years. It has been fairly well cared for, still has the original water heater (one small problem, a simple sensor replacement) and has the original HVAC system (it has had basic servicing done a few times over its lifetime). The kitchen appliances were replaced when the previous owner did a remodel, and, unfortunately, they suck! However, that has more to do with the brand, which will remain nameless, than anything else. So, if I’m considering a coverage plan for my home, I’m primarily considering who made the appliances and how old they are.
Read their bio![Yi Liu]()
Yi Liu
Assistant professor, finance, St. John Fisher University
Yi Liu
Assistant professor, finance, St. John Fisher UniversityHomeowners should consider setting up a dedicated emergency fund for home repairs. It’s generally recommended to save 1% to 3% of your home’s value each year to cover unexpected repair costs. Additionally, investing in a home warranty that covers major systems and appliances can provide extra financial protection. Regular maintenance, such as HVAC servicing, roof inspections, and plumbing checks, can also help prevent costly repairs in the future.
Read their bio![Golnaz Motie]()
Golnaz Motie
Assistant professor, economics, Western Kentucky University
Golnaz Motie
Assistant professor, economics, Western Kentucky UniversityThere are three steps that can help homeowners to prepare for unexpected repair expenses:
- Homeowners should make a list of repairs that are not covered by their homeowners’ insurance. That list should include information about the costs of the repairs and how often such repairs might be needed.
- Homeowners should save a fixed amount of money each month for a home emergency fund. The amount of money needed in such a fund depends on the estimated costs of repairs in each homeowner’s list of repairs mentioned above.
- The probability of facing unexpected repairs depends on the age of the home systems and the appliances. If a home is relatively new, the homeowner should keep track of receipts and warranties for systems and appliances. If they have purchased an older home with outdated systems and appliances, or if their appliances do not have warranties, they should consider getting a home warranty that can help them with expenses associated with normal wear and tear not covered by most homeowners’ insurance.
![Thomas Patrick]()
Thomas Patrick
Professor, finance, The College of New Jersey
Thomas Patrick
Professor, finance, The College of New JerseyFinancial burdens occur when septic systems, wells, water mains, or roofs need extensive repairs. If all of the home appliances are very old, a house can become a “money pit” where one appliance after another needs to be replaced.
Read their bio![Golnaz Motie]()
Golnaz Motie
Assistant professor, economics, Western Kentucky University
Golnaz Motie
Assistant professor, economics, Western Kentucky UniversityLack of foresight is the most common cause of financial difficulties for homeowners when home systems or appliances must be repaired or replaced. Homeowners who have failed to save for such expenses or secure a home warranty can face expensive repairs or replacements for which they are unprepared.
Read their bio![Yi Liu]()
Yi Liu
Assistant professor, finance, St. John Fisher University
Yi Liu
Assistant professor, finance, St. John Fisher UniversityFrom my experience, significant financial burdens often stem from repairs to HVAC systems, roofing issues, and plumbing problems. Electrical failures, especially those involving outdated wiring, can also be expensive to fix. Moreover, major appliances like refrigerators, ovens, and washing machines frequently need repairs or replacements, adding to homeowners’ financial strain. Foundation issues, though less common, can lead to substantial expenses when they do occur.
Read their bioMethodology
The ConsumerAffairs Research Team used a research-backed, data-driven approach informed by our expert editors to choose the best home warranty companies. We looked at thousands of verified reviews and analyzed companies’ plans and pricing, service call fee options, service guarantees, roof leak and electronics coverages, and other additional benefits (e.g., discounts, etc.).
Companies were given a score out of 10 for each metric, with 10 going to the company with the highest value and other companies receiving relative scores. We then added together these scores to get a final score. Scores were then normalized to a 100-point scale. For each, we used a weighted scoring system that took into account all these aspects:
- Reviews: We considered reviewer satisfaction regarding each company’s customer service, claims handling, service technicians, coverage, price, punctuality/speed and refunds/payouts. Each aspect had its own 10-point scale.
- Number of plans: We considered the number of available plans to determine how much coverage variety each company offers. Companies with more plans received higher scores in the “best overall,” “best value” and “best coverage variety” categories.
- Service call fee options: We gave preference to companies with a wider variety of service fee options.
- Service guarantee: Companies with longer service guarantees (like Cinch Home Services) received higher scores.
- Roof leak repair coverage: Companies that include roof leak repair in the highest number of plans received the highest scores. Companies that offer roof leak repair exclusively as an add-on option received lower scores; those that don’t offer this coverage received a score of zero in this area.
- Electronics coverage: For the “best coverage variety” category, we gave higher scores to companies that offer electronics coverage add-ons.
- Extra benefits: Companies that offer extra perks, including discounts for new appliances, received higher scores.
Disclaimer
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.
Read home warranty reviews
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 3.8
106,713 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
| 4.0
69,843 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
| 3.8
15,387 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
 | 3.8
2,616 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
 | 2.4
581 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
| 4.7
845 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
 | 1.4
2,262 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Get a Quote |
 | 3.6
1,057 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
| 4.2
8,740 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
 | 5.0
6 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
| 4.1
11,920 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
| 4.0
1,881 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
 | 3.2
131 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
 | 2.7
276 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
 | 2.7
418 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
 | 2.3
View profile
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
 | 2.1
7 reviews
| Serves counties in Arizona and Utah. Includes home repairs, maintenance, preventive care services and warranty protection. 24/7 emergency response and responds within two minutes on the app. $75 deductible. | Read reviews |
 | 1.7
1,975 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
 | 1.5
2,012 reviews
| Offers plans in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary, but expect to pay around $61.25 per month for a combo plan. Deductibles are $70 or $100. Pest control, re-key and termite coverage included. | Read reviews |
 | 1.4
21 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
 | 1.3
316 reviews
| Provides multiple plan options in nine states for existing homes and new construction. Deductibles vary by state, but expect to pay around $75. Offers optional add-on coverage for special items, including roof leak repair. | Read reviews |
 | 1.3
299 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
 | 1.2
3,995 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
 | 1.2
1,910 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
 | 1.1
69 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
 | 1.1
6,685 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.1
302 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
 | 1.1
206 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
 | 1.0
870 reviews
| Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state, but expect to pay from $32 per month to $59 per month. Deductibles are $69. Some home maintenance services included. | Read reviews |
 | 1.0
812 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
 | 1.0
381 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
 | 1.0
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |
 | 1.0
9 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
 | 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
 | 1.0
View profile
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
 | 1.0
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| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
 | 1.0
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| Operates in Arizona, Idaho, Nevada, Texas, and Utah. Covers unknown preexisting conditions. Covers seasonal tune-ups. Appliances like washers, dryers and refrigerators require add-on coverage. $1,500 overall coverage limit. | Read reviews |
 | 1.0
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| Services the Phoenix metropolitan area and its surrounding cities. Offers repairs and replacements for normal wear and tear with in-house technicians. Provides 24/7 emergency response and personal follow-ups. | Read reviews |
 | No reviews | Services Kansas City in Kansas and Missouri. In 2023, performed over 50,000 repairs. Offers 24/7 emergency response and wears shoe covers. Provides coverage for rental properties. 24/7 emergency response time. | |
 | No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
 | No reviews | In business for over 40 years. Provides home warranties in Arizona, Florida, Nevada and Texas. 18 local service centers. Provides service technicians for service calls. Starting prices range from $270 to $950 per year. | |
 | No reviews | Established in 1985. Services major cities in Colorado. Offers 24/7 service for a variety of appliances and systems. Each service call has a $75 fee. Customer can pick a local technician. | |
 | No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
 | No reviews | Over 36 years serving homeowners with in-house technicians. Licensed professionals in HVAC, plumbing and electrical services. High claim approval rates. Local managers handle accounts. Reports round-the-clock call center. | |
 | No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
 | No reviews | Serves California, Nevada and Arizona. Five plans to choose from, with costs ranging between $390 to $815 for one year and $715 to $1,525 for two years. Covers roof leaks. Offers a 30-day money-back guarantee. | |
 | No reviews | Offers home warranties in Utah. Covers several major home systems. $700/year for homes 5,000 square feet or less. 24/7 claims support. Cancellation fee applies. Available for real estate transactions only. | |
 | No reviews | Established in 2018. Serves major cities in Utah. Plans start 30 days after signing up. 24/7 service. Service calls have a $60 fee. Customer choose their own private contractor or gets a pre-screened qualified professional. | |
 | No reviews | Offers three protection plans. Numerous coverage add-ons available. Full year of protection. Covers preexisting conditions and older items regardless of age. No coverage limit for systems. 24/7 breakdown support. |
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Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from reputable publications to inform their work. Specific sources for this article include:
- National Home Service Contract Association, “Regulatory History of Home Service Contracts in United States.” Accessed April 8, 2025.
- Federal Trade Commission, “So what’s the deal with ‘home warranties’?” Accessed April 8, 2025.
- Cornell Law School Legal Information Institute, “Home warranty.” Accessed April 8, 2025.
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