Compare Reviews for Home Warranty Companies
Home warranty companies have been providing repair and replacement services to consumers since the 1970s. Some homebuilders are required to provide a warranty for new homes, and many home sellers and real estate agents buy a home warranty as a buyer’s incentive.
Owners of existing homes can purchase a home warranty to cover items such as heating and air conditioning systems, plumbing and electrical systems and appliances. Warranties can provide peace of mind for homeowners, but they must understand the limits of their coverage so they’re not surprised by service fees and other out-of-pocket costs.
Top 20 Most Reviewed Home Warranties, Service Plans
|Read 15731 Reviews|
American Home Shield offers plans to cover all major systems and/or major appliances. Consumers can design their own plan and add coverage to extra items, like pools and spas. The claims department is available 24/7.
|Read 9561 Reviews|
Choice Home Warranty offers comprehensive home warranty service plans to customers across the United States. They provide solutions for a small service fee and provide a team of representatives to each customer.
|Read 3271 Reviews|
First American has been a home warranty industry leader for over 30 years and has a large network of contractors to help customers address their home repair needs.
|Read 1982 Reviews|
Select Home Warranty provides home warranty service plans that cover home repairs. They have a wide range of options to choose from and offer customizable plans.
|Read 1931 Reviews|
TotalProtect Home Warranty has been in business since 1980 and has built a network of over 40,000 service providers across the country. The company guarantees all work performed as part of a service plan for 180 days.
|Read 1258 Reviews|
HMS National has helped millions of homeowners in the 30 years they've been in business. They are a member of the Cross Country Home Services, which specializes in service and customer support.
|Read 1068 Reviews|
Landmark provides coverage for a wide variety of home and household appliance repairs. They currently serve customers in Arizona, Idaho, Nevada, Oregon, Texas and Utah, and the company plans to expand nationwide.
|Read 917 Reviews|
Since 1980 2-10 Home Buyers Warranty has offered home warranties and service contracts to over 5.5 million homes. The company partners with homebuilders, service contractors and real estate agents to offer homebuyers coverage.
|Read 868 Reviews|
Home Warranty of America, Inc. has been in business for over 20 years and sells home warranties for homeowners, home sellers and real estate professionals. They offer multiple coverage options.
|Read 303 Reviews|
America's 1st Choice Home Club provides extended home protection plans to protect homeowners against unforeseen home repairs costs. The company offers three plans to fit consumers’ needs and has a 24/7 claims center.
|Read 184 Reviews|
American Residential Warranties offers warranty plans that cover a wide variety of home appliances and systems. Consumers can choose a plan that fits their needs and are not locked in to a contract.
|Read 86 Reviews|
Total Home Protection provides three service plans, as well as extra optional coverages, to fit consumers’ needs. All THP technicians are pre-screened, licensed and insured. Claims professionals are available 24/7.
|Read 58 Reviews|
For almost 30 years, OneGuard has utilized a large network of contractors to offer a variety of hassle-free home repair & maintenance services at affordable prices in Arizona, Nevada and Texas.
|Read 538 Reviews|
Old Republic Home Protection offers customers comprehensive protection on a variety of home repairs. It was founded in 1974 in California and now offers home warranty and service plans to consumers nationwide.
|Read 432 Reviews|
Secure Home Warranty offers multiple warranty programs to fit your specific needs. The company will work with customers to cover only what is necessary and they have no requirements for home inspection.
|Read 190 Reviews|
Delta Home Protect offers a one-year service agreement through four different home warranty plans. These four plans include a combo plan, a services plan, an appliance plan and a systems plan.
|Read 173 Reviews|
Assurant Solutions has helped people protect their finances through offering extended warranty and other protection plan solutions for products like cars, cell phones, appliances, computers and more.
|Read 172 Reviews|
American Home Guard offers plans to cover all major systems, major appliances, or a combination of both. Optional coverage available, and claims hotline is available 24/7 by phone or online.
|Read 149 Reviews|
Nationwide Home Warranty provides basic coverage for their customers and also offers discounts on customized plans that can help reduce the cost of insurance.
|Read 140 Reviews|
Home Security America offers more than 30 years of home warranty expertise. The company is dedicated to service excellence and prides themselves on their friendly customer service representatives.
Mortgage & Real Estate Contributing Editor
Michele Lerner, author of “HOMEBUYING: Tough Times, First Time, Any Time”, has been writing about personal finance and real estate for more than two decades. Michele writes for regional, national and international publications in print and online for a variety of audiences including consumers, real estate investors, business owners and real estate professionals.
Important home warranty features
The most important thing to consider when choosing a home warranty is what's covered and what's not. Be aware that warranties do not automatically cover all appliances and systems.
- Read the plan: Before purchasing a home warranty policy or relying on one, read the details so you understand which of your appliances and systems are covered. For example, your heating system could be covered but not your air conditioning unit.
- Limits: Every home warranty company limits their coverage for specific systems and appliances to a maximum of $500, $1000 or $1500, which may not fully pay for a replacement if one is needed. Ask about the limits before purchasing a warranty.
- Pay for extra coverage: If you want to have your garage door opener, central vacuum system or septic system covered by a home warranty, you may have to pay for enhanced or optional coverage. Check to see if you can add additional coverage for items you want protected.
A home warranty may not pay repair costs for all covered appliances and systems. Be aware of the circumstances under which the home warranty company can deny payment.
- Improper installation or maintenance: Home warranties only cover working appliances and systems, so if there’s evidence that your sump pump was installed incorrectly or your water heater was not properly maintained, the repair payment could be denied.
- Unusual wear and tear: Items that are normally covered by a home warranty policy, such as a whirlpool tub, may not be covered if your tub shows signs of being improperly used.
- Code violations and permits: If the components of your heating or electrical systems don’t meet local building codes, the warranty company won’t necessarily repair them. Most companies will not complete work if a permit is needed, and only a few warranty companies pay permit fees.
The home warranty company will choose and send a service provider to the consumer's home, which many owners appreciate because it relieves them of the burden of finding someone qualified. However, this means that you cannot be reimbursed for work you do yourself or for expenses incurred if you hire your own contractor.
- Can you use your own providers?: Most home warranty companies require the use of their providers to make sure the work is completed appropriately and for a reasonable fee. Make sure you’re comfortable with the contractors the company will employ.
- Are service providers licensed?: Read the fine print of the home warranty to find out whether the company requires contractors to be licensed, bonded and insured. Also ask how the company screens potential contractors and how they’ll communicate with you about the service providers who will be in your home.
- How will the company handle a complaint?: If you’re unhappy with the service you receive, find out if the company will send out a different contractor and whether or not you’ll be charged an additional service fee. Check to see if the warranty company evaluates customer’s satisfaction with service providers.
Cost of warranty
The cost of a home warranty, typically paid for annually in a lump sum, varies according to your location, your property and the level of coverage you choose. To decide if you want a warranty, estimate the cost of repairing or replacing your appliances and systems and compare that to the annual cost of a home warranty plus the service fees.
- Annual cost: Average costs range from $350 to $500 annually and are customized according to your state and the type of home you live in, such as a townhouse, condominium, single-family home or duplex.
- Level of coverage: Your warranty cost will depend on whether you choose to cover appliances or major systems (like your HVAC system) or both. Look for a plan that allows you to cover only what you need or want so that you don’t pay a higher premium than necessary.
- Fees: Service fees vary according to the company and the plan you choose, but average $60 to $100 per service call. Find out if you’re charged a fee for repeat visits for the same problem.
Make sure the warranty companies you are considering have a reputation for treating their customers right. Also make sure they follow all applicable laws and regulations.
- License: Thirty-two states require home warranty companies to be licensed, while the rest do not, so you should check out your state’s regulations and make sure the company has the necessary licenses.
- Reviews and complaints: Research the companies online and by asking your family, friends or real estate agent for their recommendations.
- Contract clarity: Many companies provide sample contracts online. Look through these documents to see if the company uses clear and easy-to-understand language.
You should base your choice of a home warranty company on its reputation for honoring contracts, responding to claims quickly and providing qualified service providers.
- Claims department hours: Before purchasing a policy, check the claims department’s hours of operations. Ideally, you’ll be able to reach someone and begin scheduling a repair 24 hours a day, 365 days a year.
- Work guarantees: Ask if the warranty company guarantees all the work performed by their technicians or associated service professionals. Select a company that will continue offering service if a repair doesn’t go as planned.
- Response time: Talk to a company representative about how long customers typically have to wait before a repair is completed, and check to see if the company guarantees work will be done within a certain amount of time.
Types of home warranties
Homeowners who are not listing their home for sale or who purchased their home more than 90 days before applying for the warranty can purchase a Homeowner Warranty. Sometimes these warranties do not go into effect for 30 days.
Seller Home Warranty
Those selling their home can purchase a Seller Home Warranty during the time the property is listed for sale. The warranty becomes effective as soon as it’s paid for and covers the property during the listing. This plan can be transferred to the buyer at the closing.
Buyer Conversion Warranty
Buyer Conversion Warranties are warranties purchased by the seller and transferred to the buyer immediately on the day of the closing. These can help motivate a buyer to purchase one home over another.
Buyer Direct Warranty
A Buyer Direct Home Warranty is a warranty purchased by the buyer or by the buyer’s real estate agent that becomes effective on the day of the closing. The buyer can purchase this type of warranty up to 90 days after a closing.
Renewal Warranty Contract
Most home warranties are effective for one year and are renewable. A Renewal Warranty Contract is a home warranty policy that has been renewed.
Who should buy a home warranty
First-time buyers often feel anxious about the challenges of owning a home, and many have limited funds for emergencies. Instead of worrying about how to pay for a $6,000 heat pump replacement or how to find a reliable contractor, first-time homebuyers can spend a few hundred dollars on a home warranty for protection.
Sellers or their real estate agents often purchase a home warranty that covers the house while it’s listed and then covers the buyers for their first year of ownership. A home warranty can be an extra incentive for potential buyers and makes it easier on the owners if something breaks when they’re selling the property.
Owners of older homes
Home warranties are available to homeowners at any time, not just when a real estate transaction takes place, so you may want to purchase one to reduce potential repair expenses. If your home and your appliances are 10 to 15 years old, a warranty can save you money on repairs and contribute to replacement costs.
Real estate agents
Real estate agents, whether they’re representing buyers or sellers, sometimes choose to purchase a home warranty as a courtesy for their clients. If you’re a listing agent you can get some peace of mind that your client will easily be able to fix any issues that crop up while the home is on the market. If you represent buyers, a warranty can help you clinch the sale by relieving any anxiety about repair bills.
Rental property owners
Those who own homes that they rent to tenants for a profit can greatly benefit from the security of a home warranty. They can budget the warranty price into their overall expenses and adjust their rental fees to cover the cost. They’ll then be protected against unexpected costs when major systems or appliances malfunction. Only select companies offer warranties for rental properties.
What do the experts have to say?
The Home Service Club (HSC) offers home warranty plans in 48 states and prides itself on offering innovative services such as allowing consumers to monitor a repair status by logging into their own online account.
Headquartered in New Jersey, Select Home Warranty offers three simple home warranty plans to fit every homeowner’s needs and budget. The company has a network of more than 10,000 local contractors available to provide fast, quality service to their customers.
- Accessibility: Customers can call or email for service 24 hours a day, seven days a week. Non-emergency calls are scheduled within a maximum of two business days when service is requested on a weekday, or four business days if the call is made on a weekend or holiday.
- Low service fee: While service fees vary slightly according to your plan, they’re usually as low as $60.
- High HVAC coverage limits: Select Home Warranty’s $2,000 coverage limit on HVAC systems is one of the highest in the industry.
- Optional coverage add-ons: Add on additional coverage for areas that need it, including your pool, second refrigerator, sump pump, ice maker, spa and more.
- Multiple year coverage discount: Customers who opt for multiple year coverage are eligible for a discount. Contact a representative to find out how much you can save.
- Best for: homeowners, buyers, sellers and real estate agents.
Choice Home Warranty, based in New Jersey, offers two levels of warranty coverage. The company provides a dedicated team of 2 or 3 individuals to handle your service request.
- Personalized attention: Consumers can talk to the same team of support staff about their service request instead of dealing with an impersonal call center.
- Low service fee: Service fees are as low as $60 per call.
- Accessibility: Consumers can call 24 hours a day, seven days a week; non-emergency service requests are filled within 2 days during the week or 4 days on weekends and holidays.
- Limited coverage: The company limits their coverage to $1000 for professional series appliances such as a GE Profile or Jenn-Air and to a maximum of $1500 per covered item.
- Cancellation fee: This company charges a $50 cancellation fee even if you cancel your policy within the first 30 days of the contract.
- Best for: first-time buyers.
American Home Shield (AHS) was founded in 1971 and is part of the ServiceMaster family of companies. AHS has provided warranty coverage to 1.4 million customers across the United States. The company offers customizable plans to meet most consumers’ needs and budgets.
- High coverage limits: AHS covers up to $3000 in repair or replacement costs for many covered appliances and the company will spend up to $250 to obtain needed permits or to correct code violations.
- Choice of plans: Customers can choose to cover just their systems or appliances or save money with a combination policy; completely customized warranty programs are also available.
- Accessibility: Customers can call for service 24 hours a day, seven days a week; service requests are typically filled within 48 hours.
- Service fees: Consumers choose between policies with a $75, $100 or $125 service fee. Warranties with lower service fees will have higher premiums, so customers can select the plan that works best for their budget.
- Service providers: AHS works with over 10,000 local contractors to make service repairs. The company monitors consumers’ reviews of contractors to ensure AHS warranty holders only work with qualified service providers.
- Best for: home sellers, first-time homebuyers, owners of older homes and real estate agents.
First American Home Warranty was founded in 1984. The company is part of the First American family of businesses, which have a long history of financial stability. The company offers different coverage plans depending on the home’s location. Consumers can see details and get quotes online.
- Extensive coverage: The basic policy offered by First American Home Warranty includes a full list of systems and appliances, many of which are typically only covered with an enhanced home warranty policy.
- High coverage limits: First American Home Warranty has high limits for most repairs and replacements, so expensive items are fully covered. The company pays up to $250 for fixing code violations and obtaining permits.
- Claims hours: Service requests can be made 24 hours per day, seven days per week by phone and online; service requests are generally filled within 48 hours.
- Unlimited calls: First American Home Warranty does not limit the number of service requests a customer can make during their warranty period.
- Service providers: First American Home Warranty screens all service providers before hiring them to make repairs in consumers’ homes. They also monitor customer satisfaction with service providers' performance.
- Best for: homebuyers, real estate agents and owners of older homes.
Landmark Home Warranty, headquartered in Riverton, Utah, was established in 2004. The company currently serves customers in Arizona, Idaho, Nevada, Oregon, Texas and Utah, and it plans to expand nationwide in the future. Landmark offers several plan choices as well as additional coverage so consumers can select the protection they need.
- Live customer support: Customers will work with their dedicated account manager throughout the claims process should any of their covered equipment malfunction.
- Quick response time: Customers are guaranteed to have an independent contractor contact them within four business hours and, if the call requires emergency service, a contractor will call within one hour.
- Low service fee: Customers pay a relatively low service fee of $60 to $70 per visit, depending on their location. Consumers can see the price for service calls in their state by visiting the company’s website.
- Clear costs: Interested customers can go to Landmark’s website to see fees for warranties for both home sellers and existing homeowners. By providing some personal information, they can get a customized quote.
- Homeowner Dashboard: Landmark customers can access everything related to their warranty online via the Homeowner Dashboard. From there, they can view their coverage, file a claim or renew their policy.
- Best for: recent homebuyers, existing homeowners and real estate agents.
TotalProtect Home Warranty, headquartered in Sunrise, Florida, is part of the Cross Country Home Services, Inc. family of home-related companies, which has been in business since 1980. TotalProtect offers three different plan options, so consumers can select which systems or appliances they want covered.
- Guarantee of work: Unlike most home warranty companies, TotalProtect Home Warranty provides an 180-day guarantee on all service work provided under their warranty policy, so consumers have six months to follow-up on service calls if the results were unsatisfactory.
- Service providers: TotalProtect has 40,000 screened service providers around the country. In addition, consumers are surveyed after every service call and their comments are included in the company’s “Dynamic Vendor Rating System.”
- Price options: Consumers can choose to pay $75, $100 or $125 for each service call. The monthly premium will be lower if customers select a higher service call fee, which the company refers to as a deductible.
- Customer service: TotalProtect customers with questions about their policy or who need to request service can reach a U.S.-based customer service representative 24 hours a day, seven days a week. Representatives are available 365 days a year.
- Limit amounts: The total limit for claims on the least costly policy is $10,000 and the limit per appliance on that policy is $1,500; higher limits apply on other policies.
- Best for: first-time buyers, home sellers, owners of older homes and real estate agents.
HMS Home Warranty, a member of Cross Country Home Services, has been providing home warranties for more than 30 years in the 48 contiguous states and the District of Columbia. The company has special tools to help real estate agents who must manage multiple home warranties.
- Service providers: HMS has a network of more than 40,000 service professionals throughout its coverage area. The company screens providers to make sure they have the appropriate licenses and insurance for their state.
- Claims hours: Home warranty customers can make a claim 24 hours a day, seven days a week, even on holidays, by calling the company or logging on to their online account.
- Instant coverage for sellers: Home sellers who sign up for the warranty receive immediate coverage, pay at closing in most states and have 180 days of coverage with an optional extension if the home is still listed with a real estate agent.
- Emergency lodging reimbursement: Homeowners whose HVAC system is non-operational for more the 24 hours after they make a service call and those who experience a waterline break that isn’t fixed within 24 hours can receive reimbursement for hotel lodging for the days they must be out of their home.
- Marketopedia: Real estate professionals will appreciate HMS’s Marketopedia tool. The cloud-based service allows real estate agents to manage all aspects of the HMS warranties for homes they’re selling. It also features marketing tools to help them grow their businesses.
- Best for: real estate agents, first-time homebuyers, home sellers and owners of older homes.
2-10 Home Buyers Warranty (2-10 HBW) has been in business for more than 35 years and is the only company that provides a 10 year insurance-backed structural warranty for new construction and a Home Warranty Service Agreement protecting the home’s major systems and appliances. Based in Denver, the company has protected more than 5.5 million homes.
- Low service fee: 2-10 HBW charges a low service fee of about $50. Service fees are clearly stated on contracts so homeowners will never be surprised.
- Accessibility: Customers can call for service 24 hours a day, seven days a week and also request service online through the 2-10 HBW website.
- Structural warranties: Homebuilders can become 2-10 HBW members and then offer structural warranties on the homes they sell. These warranties can give sellers a competitive edge in a tight real estate market.
- Blog: The 2-10 HBW website includes a blog with free informational resources. There are posts to help homeowners, homebuilders and real estate agents.
- Online quotes available: 2-10 now offers a new ‘Get a Quote’ feature on their website where, within a few easy steps, builders, real estate professionals and homeowners can get a quote.
- Best for: builders, real estate professionals and homeowners.
American Home Guard is a home warranty company that offers three levels of protection for homeowners, depending on their needs. They sell plans to homeowners, home sellers and realtors. With a national network of service providers, American Home Guard is capable of having a technician sent to your home fast so your problem is solved in less than 24 hours. Their services include warranties for major home appliances, major home systems and a combination of both major appliances and major systems.
Secure Home Warranty offers homeowners a variety of warranty programs to help provide assistance and peace of mind in case of unexpected home issues. This company also works with rental property owners and those individuals in the stages of buying and selling.
Total Home Protection (THP) provides warranty plans for homeowners, real estate agents and home sellers. THP offers two plans as well as additional coverage so homeowners can choose the protection they need.
- No limit on age, make or model: The appliances covered by THP warranties are eligible for repair or replacement, no matter their age, make or model.
- Free month: Consumers can try one of Total Home Protection’s single payment home warranty plans for a month, for free, to see how they can benefit from it.
- Claims hours: Total Home Protection has 24/7 claims service, so customers can file a claim as soon as a system or appliance malfunctions.
- Service providers: THP’s Servicing Guidelines are available on the website, and they include proof of licensing, insurance minimums and the expectation that each contractor will make a service appointment no more than four hours after receiving a work order.
- Work guarantee: THP has a 90 day guarantee on parts and 30 day guarantee on labor for work performed by their contractors. If a problem occurs within the guaranteed period, the company will send another provider to repair it without charging a second service fee.
- Best for: homeowners, homebuyers and realtors.
American General Warranty is a leading home warranty company that provides coverage for homeowners. They focus on customer service with 24/7 support and clear coverage plans.
Delta Home Protect offers homeowners extended warranty coverage that covers most home appliances and systems for homeowners in 46 states. Customers can call Delta Home Protect anytime, day or night, to set up service repair appointments. Requests are dispatched within 24 hours of scheduling.
America's 1st Choice Home Club offers policyholders peace of mind with complete home protection options. Consumers can choose from three plans to get protection that meets their needs and budget, and the company offers several additional benefits to add value to their warranties.
- Tiered pricing: America’s 1st Choice has tiered pricing options, which allows homeowners to only cover systems that need protection.
- Complete coverage: Some warranties only cover specific issues and systems, but with the Gold package from AFC Home Club, homeowners are covered for everything from HVAC to all interior plumbing and appliances.
- Flat service fee: All calls for repairs and malfunctions will incur a low $60 service fee, regardless of how expensive the final repair ends up being.
- Savings at the store: In addition to AFC Home Club's home warranty program, policyholders also receive membership into Retail Benefits, a savings program. Shoppers can earn cash back on more than 300,000 items at over 5,000 retailers.
- Eat out on AFC Home Club: Every month, policyholders are eligible for a $25 Restaurant.com gift card, allowing them to dine at one of thousands of participating restaurants.
- Best for: homeowners, home sellers, builders and property developers.
American Residential Warranty (ARW) sells home warranties, home security systems and more to give homeowners piece of mind about paying for costly repairs or damage. The company serves all 50 states and is headquartered in Florida.
- Plan options: ARW offers multiple plan options so homeowners can choose the coverage that they want. The company offers additional plans to cover electronics and add-ons to covers things like faucets or external plumbing.
- Contractor choose: Homeowners can choose the contractor or repairman who they want to work with. They do not have to use a professional selected by ARW.
- Home security: ARW offers home security systems and plans to help homeowners feel safe and secure. Packages include free installation and free activation.
- No contract: Homeowners who choose an ARW home warranty are not locked in to a long-term contract. They can cancel their coverage at any time.
- Special discounts: ARW offers several types of special discounts for new customers. Homeowners can receive discounts for bundling multiple services, buying their plan online, paying in yearly or quarterly timeframes and more.
- Best for: first-time homebuyers and home sellers.
Home Warranty of America, Inc. (HWA) sells home warranties to protect owners from unexpected and expensive repairs. HWA was founded in 1996 and is headquartered in Illinois.
- Plan options: HWA offers multiple plan options so customers can choose the plan that offers the coverage they want. They have plans specifically designed for new homebuyers, existing home owners and home sellers.
- Coverage option tool: Interested consumers can visit the HWA website to see all the plan options. They can also use the coverage option tool to see how adding or removing certain types of coverage will affect their premium.
- GreenPlus: HWA’s GreenPlus option lets consumers add coverage that will replace a broken appliance or system with an Energy Star certified one. This coverage must be added on to plans for a small additional monthly fee.
- Older homes: HWA covers homes and appliances regardless of their age, and they do not require an inspection before coverage begins. As long as appliances and systems are in good working order on the policy effective date, they are covered for general wear and tear.
- Maintenance guides: HWA’s website features several home maintenance guides to help owners keep up with small but necessary tasks. The site also includes informational videos.
- Best for: first-time homebuyers, owners of older homes, home sellers and real estate professionals.
365 Home Warranty has three plans homeowners can choose from depending on what they need covered. Their basic plan covers most home appliances, while the standard plan covers appliances and additional systems such as duct work, heating, cooling, electrical, hot water heater, plumbing and whirlpool bathtubs. The premium plan includes everything in the standard plan with the addition of roadside assistance. Additional coverages including, but not limited to, in-ground pool and/or spa, lawn sprinkler system, wine refrigerator or TV protection can be added on to any plan during checkout.
HomeServe USA provides home repair service plans to help homeowners with domestic emergencies, whether they are plumbing, heating, cooling or electrical in nature. The plans are the equivalent of car roadside assistance, and aim to give consumers peace of mind and save them money.
Old Republic Home Protection has been in business for more than 40 years. Founded in 1974 as Dependable Home Warranty, which provided services only in California, the company joined Old Republic International in 1982 and has been expanding the number of states it serves annually.
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.