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Best Home Warranty Companies

Profile picture of Michele Lerner
by Michele Lerner Mortgage & Real Estate Contributing Editor

Home warranties help homeowners cover costly, unexpected repairs on home systems and appliances that break down due to normal wear and tear.

When it comes to finding the best home warranty, you'll need to understand how home warranties work, determine if it's worth your money and how much it will cost you, and know what to look for in the service contract to make sure you pick the plan with the right coverage.

Compare Reviews for Top Home Warranty Companies

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American Home Shield
Read 31208 Reviews

Either choose from 3 plans that cover 11 systems, 10 appliances or a combination of both or build your own plan for customized coverage. Premium costs vary by location; deductibles range from $75-$125. Payment plans available.

Choice Home Warranty
Read 14411 Reviews

Offers 2 plans with basic or more comprehensive coverage. Deductibles for either plans are $60 per repair. You can also add optional items like pools or septic systems. Premiums vary based on location and home type and size.

Select Home Warranty
Read 4690 Reviews

Select from 3 plan options that include systems, appliances or both. Premiums begin at $429 with deductibles as low as $60. Customers can also add additional optional items or systems not included in the standard policies.

American Residential Warranty
Read 765 Reviews

Choose from 5 plan options ranging from kitchen coverage to a bundle package that provides comprehensive protection. Premium prices start at $29.99 (just over $359/year) with deductibles of $55.

Total Home Protection
Read 572 Reviews

Offers 2 coverage plans that both cover select systems and appliances. Premium costs vary by location and home with standard deductibles of $60. Optional additional coverage is also available.

America's 1st Choice Home Club
Read 582 Reviews

Choose from 4 plan options ranging from systems-only to platinum-level coverage. Additional customization is also available. Premiums as low as $395 (when paid in full) with deductibles from $60-$100.

First American Home Warranty
Read 5137 Reviews

Opt for one of 2 plans: a basic plan that covers appliances or a premier plan that includes appliances and systems. Deductibles range from $50-$100 with unlimited service requests. Premium costs vary by region and plan options.

HMS Home Warranty
Read 2334 Reviews

Find a variety of plans with specific pricing and coverage options based on location and home type. Realtors can buy a home warranty as a gift for their clients through the website. Deductibles as low as $100.

TotalProtect Home Warranty
Read 2989 Reviews

Decide from 3 plan options starting at appliances-only and going up to comprehensive coverage. Premiums vary by state with standard deductibles of $125. Warranties include 180-day guarantee on repairs or service.

Home Warranty of America
Read 1811 Reviews

Choose from 2 plan options, including a premium plan that covers over 30 systems and appliances. Customize plans with optional add-ons. Pricing starts around $40/month with deductibles from $75-$100.

OneGuard Home Warranties
Read 331 Reviews

Offers 3 home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state but may be as low as $379. Deductibles are $69. Some home maintenance services included. Optional coverage is also available.

2-10 Home Buyers Warranty
Read 2012 Reviews

Provides a home warranty option that includes both major systems and appliances with add-on coverage possible. Premiums differ by state with deductibles of $75-$100. Appliance replacement option available.

Landmark Home Warranty
Read 1529 Reviews

Find 2 plans with optional add-ons for residents in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary by state but may be as low as $34/month. Deductibles average around $60.

Cross Country Home Services
Read 333 Reviews

Works with TotalProtect Home Warranty to provide 3 plans. Plans start at only appliances with premium costs that vary by location. Deductibles are $125. 24/7 customer service. Warranties include a 180-day guarantee on repairs.

The Home Service Club
Read 198 Reviews

Choose from 2 plans with standard or comprehensive coverage for systems and appliances with optional add-ons available. Deductibles range $65–$125. Premiums and specific coverage vary by state.

Our top 3 picks for the best home warranty

When comparing home warranty companies, we looked at cost, plan coverage, terms and general customer satisfaction. These three providers all offer ample coverage options with pricing varying by location and plan.

For the quotes listed below, we chose each company’s most popular plan, generally a mid-tier plan covering all essential systems and appliances, and were quoted prices for the Midwest.

LabelCompany nameLogoContactSummary
Best Coverage Visit website
LabelCompany nameLogoContactSummary
Best Value Visit website
LabelCompany nameLogoContactSummary
Best Price Visit website

Home warranty reviews

Best coverage
American Home Shield

Company nameContact
American Home Shield Logo
LogoSummary
  • Number of plans: 4 plan options
  • Contract length: 1 year

American Home Shield is best for customers looking for flexible coverage since it has some of the best coverage on the market. American Home Shield is one of the biggest players in the industry and inched ahead into our top spot due to their option to build your own plan, which allows customers to customize their plan to cover exactly what they need. No pre-inspection is required and you can get an AHS plan regardless of the age of your home’s systems and appliances.

  • Availability: Able to serve customers in 49 states (sorry, Alaska!)
  • Plans: 4 total plan options available—Appliances, Systems, Combo and Build Your Own. AHS's plans provide a diverse range of coverage and make it easy to find what you're looking for.
  • Pricing: We were quoted $49.99 per month for the combination plan, which works out to about $600 per year paid monthly.
  • Service call fees: AHS lets you choose the price of your service call fees. The options are $75, $100 or $125. Those who opt for a higher service call fee will pay lower monthly cost. This is a great option for customers with newer homes who anticipate needing less repairs throughout the year. We like that they let you have more control over what you pay.

 

Best value
Choice Home Warranty

Company nameContact
Choice Home Warranty Logo
Summary
  • Number of plans: 2 plan options
  • Contract length: 1 year

Choice Home Warranty offers consumers the best value for their dollar by providing similar coverage of top competitors, but at a slightly lower cost.

While CHW does lack a few of the extras available from pricier competitors, all major home systems and appliances are covered, which is likely to be more than enough coverage for the average homeowner. Savvy homeowners can opt to save even more if they’re able to pay the whole year in full.

CHS customers have the option to add on coverage for limited roof leak protection, which is coverage not offered by many home warranty providers.

  • Availability: Services customers in 48 states (sorry, California and Washington!)
  • Plans: Offers 2 plan options—Basic and Total. CHW’s plans compete with our top choice, but covers fewer items overall when you take into account smaller items like doorbells and smoke detectors that are not covered.
  • Pricing: We were quoted $45.50 per month for the total plan, which works out to about $546 per year. A discount is available if you opt to pay the year in full, with our quote coming in at $504 for the year with an additional 13th month free.
  • Service call fees: Charges $75, which is on the lower end for the industry.

 

Best price
Select Home Warranty

Company nameContact
Select Home Warranty Logo
LogoSummary
  • Number of plans: 3 plan options
  • Contract length: 1 year

Select Home Warranty offers the lowest rates of our top picks, making them the best choice for homeowners on a budget. While the yearly rate may seem fairly comparable to some competitors, their savings really shine when you look at their low service call fees, pay in full discount and promotional offers. This makes Select a great choice for anyone who owns an older home or anticipates needing to file multiple claims throughout the year.

Select also offers roof leak protection as an add-on to any of their plans, which is definitely worth noting, and during certain promotions it’s available for free.

  • Availability: 45 states and select U.S. territories
  • Plans: 3 total plan options available—Bronze Care, Gold Care and Platinum Care. Platinum offers the most coverage and will be the best pick if you’re looking to cover both appliances and systems. The gold plan is essentially systems-only coverage while bronze care covers your appliances including washer and dryer.
  • Pricing: We were quoted $42 per month for the platinum plan, which works out to about $500 per year. They offered an additional discount of two months free if you opted to pay the year in full.
  • Service call fees: Charges $60 per visit, making their fee one of the lowest in the industry.

Home warranty FAQ

Should I get a home warranty?
If you’re worried about finding the funds to pay for unexpected repairs or how to find a reliable contractor, you may want to opt to spend a few hundred dollars on a home warranty for protection. Particularly, you may want to consider a home warranty in the following situations:

  • You’re not handy: Those who have not owned a home before or are unfamiliar with maintaining major systems and appliances should consider how much a plan covers and how much they are willing and able to take on themselves. Many industry professionals recommend that new homeowners select a more comprehensive plan that will help them acclimate to the responsibilities of owning a home.
  • You don’t have a large savings account: If you don’t already have a sizeable rainy day fund set aside for life’s unexpected moments, like your AC going out or your dishwasher calling it quits, a home warranty will provide protection for a relatively small monthly price tag.
  • You own an older home: Older homes usually mean older appliances and systems. Purchasing a home warranty can help provide extra assurance that your vintage charmer will be around (and in working order) for generations to come. Be sure to pay close attention to how plans treat pre-existing conditions. While most home warranty companies do not conduct inspections, claims are likely to be denied if the breakdown is a result of a known problem or defect.
  • You’re preparing to sell your home: Sellers and listing agents should consider purchasing a plan to attract home buyers and protect the house while it’s on the market.

MORE: How to decide if a home warranty is worth it

Should I renew my home warranty?
To decide if your home warranty is worth renewing, you’ll want to ask yourself a few questions.

  1. How old is your home?
  2. How old are the systems and appliances in your home?
  3. Did you use your home warranty in the previous year?

If you’re the owner of an older home or the systems and appliances in your home are over ten years old, you might want to think seriously about renewing your home warranty. If you’re on the fence, one of the best questions you can ask yourself is: have you used your home warranty? If you’ve used it, did the warranty save you a significant amount of money on repairs? Was the company easy to work with? If you didn’t use it, do you feel your monthly payment may have been better put into a personal home repair savings account?

Also consider if you want to make any adjustments to your plan, like adding or removing covered items to make your policy a better fit for your home.

What are the different types of home warranties?

Homeowner warranty
Homeowners can purchase a home warranty at any time. Whether you’re a new homeowner, getting ready to sell your home, or planning on staying in your current home for the foreseeable future, a home warranty should be available to you from a number of providers. Most homeowner warranties do not go into effect until a 30-day waiting period has passed.
Buyer direct home warranty
A buyer direct home warranty is a warranty purchased at the same time a home is purchased. These warranties become effective on the day of closing and can be purchased by the buyer or by the buyer’s real estate agent. A buyer can purchase this type of warranty up to 90 days after a closing.
Real estate home warranty
Whether they’re representing buyers or sellers, sometimes real estate agents 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.
Home warranties for rental properties
Landlords can greatly benefit from the security of a home warranty. You’ll be protected against unexpected costs when major systems or appliances malfunction, and you can budget the warranty price into your overall expenses and adjust your rental fees to cover the cost.
New construction warranty
New construction warranties are provided by a home builder to offer extra protection for new properties. These warranties are available in different terms, ranging from a one-year warranty to ensure the overall quality of the construction to 10 or even 20-year warranties for critical items like the home’s foundation.
Other home warranties
Warranties aren’t just for single-family houses. Condo warranties and mobile home warranties are also available.

Who should pay for a home warranty?
Who pays for a home warranty may differ depending on the location and circumstances of the sale. Buyers, sellers, real estate agents and current homeowners are all eligible to buy a home warranty protection plan. In many places, it is customary for the seller or real estate agent to package a home warranty as part of the purchase price of the home as an added benefit to the buyer. This can be particularly attractive for first-time buyers, or when the home on the market is an older property.

Home warranty seller benefits

  • Protect your home while it’s on the market
  • Attract more interested buyers
  • Close deals faster

Home warranty buyer benefits

  • Peace of mind, especially when buying an older home
  • Convenient, reliable service around the clock
  • Renewable each year

Can I buy a home warranty after closing?
Yes, a home warranty can be purchased at any time.

LabelCompany nameLogoContactSummary
Best Coverage Visit website
  • 2 plans, plus build your own plan option
  • Plans start at $299/year
  • $75–125 service call fee
LabelCompany nameLogoContactSummary
Best Value Visit website
  • 2 plan options
  • Plans start at $370/year
  • $75 service call fee
LabelCompany nameLogoContactSummary
Best Price Visit website
  • 3 plan options
  • Plans start at $429/year
  • $45–60 service call fee

Compare Reviews for Top Home Warranty Companies

Old Republic Home Protection
Read 670 Reviews

Offers a variety of plans with coverage levels and costs that vary by state. Examples of plans include Economy, Standard, Platinum and Ultimate. Premiums may be as low as $295 with deductibles from $0–$100.

GE Service Contracts
Read 203 Reviews

The company offers in-home service for repairs of qualifying appliances. A Service Protection Advantage plan, which provides extended warranties for the brand’s appliances, is offered through Assurant, Inc.

Assurant Service Protection Advantage
Read 237 Reviews

Offers protection plans for working appliances that range from 1–10 appliances. Prices vary based on appliance age and type but could be as low as $65. Deductibles also vary but could be as low as $50.

HomeServe USA
Read 41 Reviews

Provides individual and combo plans for heating, cooling, plumbing and electrical systems. Costs vary by location but may be as low as $4 per month ($48/year) with no deductibles and a one-year guarantee on most repairs.

Home Security America
Read 189 Reviews

Choose from Basic or 7-Star coverage with an add-on option for cooling and heating systems and ductwork. Premiums vary by location; may be as low as $405 with deductibles of $75–$100. Not available in all states.

Fidelity National Home Warranty
Read 20 Reviews

Find multiple plan options in 9 states for existing homes and new construction with coverage and premiums that vary by location and type of home. Deductibles as low as $65 (depending on state). Optional coverage available.

365 Home Warranty
Read 31 Reviews

Offers 3 plans with military, veteran and other discounts.

American Home Guardian
Read 16 Reviews

Serving customers in Texas, Arizona, Utah and Nevada. Choose from Basic or Premier plans with premiums as low as $395 and $65 deductibles. Upgrades for select items also available.

Allied Home Warranty
Read 23 Reviews

Texas residents can choose the base plan and customize it with a number of different options to suit their needs with premiums as low as $395 and deductibles of $60. Military, police, fire and EMS worker discounts available.

Secure Home Warranty
Read 480 Reviews
Out of Business

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.

American Home Guard
Read 234 Reviews
Out of Business

Provides 3 plan levels for systems, appliances or both with optional additional coverage. Premiums as low as $529 with deductibles of $45. Offers military and veteran discounts as well as a 30-day money back guarantee.

American General Warranty
Read 9 Reviews
Out of Business

A leader in the home warranty industry, American General Warranty offers consumers customizable warranties for the coverage they need. American General Warranty offers 24/7 customer request support.

Delta Home Protect
Read 190 Reviews
Out of Business

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.

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Profile picture of Michele Lerner
Michele Lerner 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.