Find the Best Home Warranty Companies
Our 7 top home warranty picks
When making our top picks for home warranties, we considered trustworthy home warranty companies that are Accredited Partners with ConsumerAffairs. We weighed several factors: ratings on ConsumerAffairs.com, service plan options, coverage details, annual cost, contract length, availability and customer reviews and ratings. Consumer Affairs reviewed 23 companies to select this list of our seven favorite best home warranty providers.
- American Home Shield: Our favorite pick
- Select Home Warranty: Our pick for service coverage
- HomeServe: Our pick for value
- Liberty Home Guard: Our pick for customizable plans
- 2-10 Home Buyers Warranty: Our pick for affordability
- America's 1st Choice Home Club: Our pick for customer service
- Cinch Home Services: Our pick for service guarantee
Our favorite pick
American Home Shield is one of the biggest players in the industry, and it offers some of the best coverage on the market as well as a simple claims process for customers. We love the company for its “Build Your Own” plan, which lets customers completely customize their coverage to protect exactly what they need.
American Home Shield is available in 49 states (not available in Alaska). We recommend AHS for customers looking for complete coverage. AHS does not require a pre-inspection, and you can get a plan at any time, regardless of the age of your home’s systems and appliances.
Our pick for service coverage
Select Home Warranty offers three different home warranty plans, with the cheapest starting at $36 a month. Each plan is customizable, and the company offers free quotes. Select Home Warranty has a network of local professionals who perform all repairs and replacements, and it lets clients submit claims online or by sending a direct email.
The company offers several discounts, including savings for those who purchase multiple-year coverage. It also lets clients add home warranty coverage for pools, sprinkler systems and well pumps. The company offers roof coverage with all of its plans. Select Home Warranty is available in 46 states (not available in Nevada, New York, Washington and Wisconsin).
Our pick for value
HomeServe is a good choice for homeowners looking for maximum customizability in their home warranty plan. Homeowners choose the systems they want covered and only pay for those, which means plans can be as low as a few dollars a month. All workmanship is covered for a year, which is one of the longest guarantees we’ve seen.
Another bright spot is that the company has no service fees. Customers can file a claim online, by email or by mail. Available coverage includes septic line coverage, electrical line coverage, heating system coverage and appliances coverage.
Our pick for customizable plans
Liberty Home Guard offers comprehensive coverage for systems and home appliances, including ice makers or whirlpool baths that often require add-on coverage under other warranty plans. Liberty Home Guard also offers a wide range of optional add-ons, including coverage for pools, spas, sump pumps, well pumps and septic systems. Add-ons also cover less common options, including rekeying services, pest control and cleaning services.
The Total Home Guard plan covers household appliances and home systems. Liberty Home Guard is available in 45 states (not available in California, Illinois, Washington, Wyoming and Wisconsin). The company states a technician is sent on-site within 24 hours after a claim. Customers can pay less than $1 a day for their Appliance Guard or Systems Guard plans and less than $1.50 a day for their Total Home Guard plan.
Our pick for affordability
2-10 Home Buyers Warranty had the lowest annual cost for a comprehensive plan in our analysis — about $420 a year. Service fees range from $75 to $100. The Systems and Appliances plan offers coverage for a wide range of major appliances and systems.
The company could be more straightforward about its service guarantee period and plan details, but the claims process can be done by phone. Overall, it’s a good choice for homeowners looking to save money while protecting their home’s systems and appliances.
Our pick for customer service
Of the companies we analyzed, America's 1st Choice Home Club had the longest service guarantee period. The company provides lifetime guarantees that back any repair it has made while the customer is under the plan, no matter how long ago the repair was.
The company has four plans, including one just for major systems. Others add appliances, ductwork and more detailed plumbing coverage. America's 1st Choice Home Club is available in 46 states (not available in California, Hawaii, Nevada, and South Carolina). The comprehensive Platinum Plan costs about $625 a year.
Our pick for service guarantee
Cinch Home Services has three straightforward options: an appliance plan, a systems plan and the Cinch Complete Home Plan, which covers both systems and appliances. Expect the Cinch Complete Home Plan to cost around $50 a month. The appliances plan is about $1 a day. The three service fee options are $100, $125 and $150.
Cinch repairs have a 180-day workmanship guarantee, which is one of the longer guarantees in the industry. Cinch has add-ons for sump pumps, well pumps, pools and spas.
Compare Home Warranty Reviews
American Home Shield
|Read 66,684 Reviews|
Choose from four plans to cover systems, appliances or both. Combo plans average around $65/month but vary by location and deductible. Deductibles range from $75 to $125. 60-day workmanship guarantee.
|Get a Quote Call Now Toll Free (844) 475-0310|
Choice Home Warranty
|Read 27,687 Reviews|
Offers two plans with basic or comprehensive coverage. Get a plan for around $50 per month with an $85 repair service fee. Optional coverage for limited roof leak protection available. 90-day guarantee on parts, 30-day on labor.
|Get a Quote Call Now Toll Free (732) 765-6416|
Liberty Home Guard
|Read 206 Reviews|
Covers systems, appliances or both. Combo plans start at around $45 per month with a $60 service fee. Add-on gutter cleaning, floor cleaning and pest control coverage available. 60-day workmanship guarantee.
|Get a Quote Call Now Toll Free (646) 453-6807|
Total Home Protection
|Read 1,441 Reviews|
Offers two plans covering select systems and appliances. Costs vary by location and elected coverage, but Platinum is around $35 per month with a standard service call fee of $75. Add-on coverage and roof coverage also available.
|Get a Quote Call Now Toll Free (704) 253-8240|
American Residential Warranty
|Read 1,402 Reviews|
Choose from five plans ranging from kitchen appliances to comprehensive protection bundles. Platinum Premier plan averages around $60 per month with deductibles of $55. Electronics protection add-on available.
|Get a Quote Call Now Toll Free (217) 281-0462|
America's 1st Choice Home Club
|Read 1,781 Reviews|
Choose from four plans ranging from systems-only to Platinum combination coverage. Platinum Plan averages around $50 per month, with discounts if paid in full or multi-year contracts. Deductibles range from $75 to $125.
|Get a Quote Call Now Toll Free (855) 923-3576|
First American Home Warranty
|Read 7,077 Reviews|
Offers two appliance and system combination plans, Basic and Premier. Monthly costs average around $60 for the Premier Plan with deductibles between $50 to $100 and unlimited service requests. Add-on coverage available.
|Get a Quote Call Now Toll Free (855) 802-1335|
Select Home Warranty
|Read 11,630 Reviews|
Appliance, system and combination plans available. Pay around $50 per month for Platinum Care (combo plan). Roof coverage included. Special promotions include free extra months on your contract and annual pay discounts.
|Get a Quote Call Now Toll Free (317) 754-6642|
Cinch Home Services
|Read 9,507 Reviews|
Elect coverage for appliances only, systems only or combination coverage. Combo plans start around $40 per month and vary by location. Deductibles range from $100 to $150. Includes a 180-day guarantee on repairs or service.
|Get a Quote Call Now Toll Free (866) 408-0016|
OneGuard Home Warranties
|Read 668 Reviews|
Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state, but expect to pay around $60 per month for a combo plan. Deductibles are $69. Some home maintenance services included.
|Get a Quote|
|Read 899 Reviews|
Covers HVAC, plumbing and electrical repairs for systems and lines both in and outside your home. Costs vary by plan and location but exterior options are available as low as $4.99 a month. One-year guarantee on most repairs.
2-10 Home Buyers Warranty
|Read 6,380 Reviews|
Provides coverage for major systems and appliances. Premiums vary but range from around $20 to $50 per month with a $85 deductible. Kitchen-only plan and roof leak coverage available. Provides structural warranties for new homes.
Home Warranty of America
|Read 3,064 Reviews|
Offers two combination plans, both covering more than 20 systems and appliances. Pricing starts around $40 to $50 a month with deductibles from $75 to $100. Drywall, doorbell and burglar and fire alarms are included in coverage.
Landmark Home Warranty
|Read 1,751 Reviews|
Offers coverage in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary, but expect to pay around $50 to $60 for a combination plan. Deductibles range from $60 to $100. Pest control, re-key and termite coverage included.
|The Home Service Club||Read 776 Reviews|
Choose from two plans to cover systems and appliances. Add-ons available including roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125.
Home Warranty FAQ
- What is a home warranty?
- A home warranty is a service contract. In exchange for paying regular premiums, your home warranty company helps cover the cost of unexpected repairs and replacements for the major systems and appliances in your home.
- How does a home warranty work?
- A home warranty covers the cost to repair or replace major systems and appliances. For example, imagine you have a busted pipe that requires extensive plumbing repairs to fix. You first need to file a claim. Once the warranty claims process begins, your home warranty provider sends out a service technician to evaluate the damage.
You typically have to pay for the initial service call. Depending on your contract, your policy will cover a replacement or repair. However, you will be financially responsible for fixing any components that are excluded from your warranty plan.
- What do home warranties cover?
- Home warranties cover most major home systems, including heating, air conditioning, plumbing, ductwork and electrical. Home warranty policies typically also cover appliances such as kitchen refrigerators, washers, dryers, built-in microwaves, dishwashers, ovens, garbage disposals and water heaters. Instead of having several warranties to cover appliances or systems, a home warranty, in most cases, serves as a single contract that covers service, repair or replacement.
To get an old system replaced, it must be broken beyond reasonable repair. For instance, most home warranty plans cover HVAC repair, but it can be difficult to get a company to replace the entire system for you. Many home warranty providers specify payout limits or per-item caps in their service contracts that may or may not cover the complete replacement of the system.
Home warranty policies generally do not cover maintenance. However, proper systems and appliance maintenance is typically required to keep coverage. A home warranty claim will likely be denied if the problem resulted from a known issue or lack of maintenance.
It’s a good rule of thumb to identify the systems and appliances that matter most to you and ask if the home warranty company you are considering covers those particular items. You can save money if you only get a warranty that covers the items you really care about or couldn’t live without if they broke down.
- How long do home warranties last?
- Most home warranty contracts last for 12 months. Each year, you have the option to renew or choose a different provider. If you decide to buy a new home warranty, be sure to read the contract and know the terms and exclusions.
- Are home warranties worth the cost?
- A home warranty can pay for itself with one major repair. Even if you don’t end up having a huge problem, the peace of mind that comes from reducing the risk of a large payment is worth it to many people.
The cost of a home warranty premium is likely worth it if you have an older home and older appliances that are no longer under their manufacturer warranties. It could also be worth it if you have limited credit access and don’t have a savings account.
The right home warranty for you is one that provides the coverage you want at a price you can afford. We suggest comparing different home warranty providers on coverages, costs and contract policies, such as TotalProtect vs. American Home Shield or Choice Home Warranty vs. American Home Shield.
- What’s the difference between a home warranty and homeowners insurance?
- A home warranty is a paid service contract that lets homeowners get their home systems and/or home appliances repaired or replaced when they break down whether they are brand new or several years old. A home warranty is not mandatory for homeowners, but it can help pay for significant home repairs.
Homeowners insurance covers accidental structural damages to your home that occur as a result of heavy storms, burglary, fires, and other natural disasters.
Learn more about the differences between home warranties and home insurance.
- Should I get a home warranty?
- While a home warranty isn’t required by law, it’s often a good idea to have one. A home warranty is especially helpful in the following situations.
- You own an older home: Older homes often have older appliances and systems. A warranty offers extra assurance that your vintage charmer is around (and in working order) for generations to come.
- You’re buying or selling a home: Buyers, sellers, real estate agents and current homeowners are all eligible to buy a home warranty protection plan. In many areas, it’s customary for the seller or real estate agent to package a home warranty in the purchase price as an added benefit to the buyer. This can be particularly attractive for first-time homebuyers or people purchasing older homes that are more likely to need repairs.
- You don’t have a large savings account: If you don’t have a sizable rainy day fund set aside for unexpected expenses — like your air conditioner going out or your dishwasher calling it quits — a home warranty protects you for a relatively small monthly price tag.
- You’re not handy: Those who have not owned a home before or are unfamiliar with the maintenance of major systems and home appliances should consider how much a plan covers and how much work they are willing and able to take on themselves. Many industry professionals recommend that new homeowners choose a more comprehensive plan that helps them acclimate to the responsibilities of owning a home.
- Who regulates home warranty companies?
- Every state in which a home warranty company operates has some state-level regulations and requirements that they must follow. In some states, the insurance commissioner is the regulating authority, while in other states, the real estate commission or another agency governs home warranty regulations.
These types of regulating authorities help to protect consumers from fraud and mistreatment by investigating companies and giving residents a way to file complaints when needed.
How much are home warranties?
Home warranties cost between $40 and $60 a month on average, or around $600 annually. Depending on the coverage you choose, you may pay a little more or a little less. You might also get a discount if you opt for a multiyear plan. In addition to your premium, you pay a service call fee any time the company sends a service technician to your home to diagnose or make a repair. Service call fees average $75 per visit.
While there is a cost to having a home warranty, it is important to note the monthly premium could be much less expensive than paying hundreds or even thousands of dollars for a system or appliance repair or replacement. Be sure to get quotes from multiple companies — some home warranty providers may offer price matching.
Compare home warranty costs
|Accredited Partner||Plan options||Average yearly cost||Service fees|
|American Home Shield||Yes||4 plans||$540||$75, $100 or $125|
|Select Home Warranty||Yes||3 plans||$504||$60|
|HomeServe||Yes||Multiple plan options||$475||$0|
|Liberty Home Guard||Yes||3 plans||$540||$60|
|2-10 Home Buyers Warranty||Yes||3 plans||$420||$85 - $125|
|America’s 1st Choice Home Club||Yes||6 plans||$625||$75 - $125|
|Cinch Home Services||Yes||3 plans||$600||$75, $125|
|Plan options||4 plans||3 plans||Multiple plan options||3 plans||3 plans||6 plans||3 plans|
|Average yearly cost||$540||$504||$475||$540||$420||$625||$600|
|Service fees||$75, $100 or $125||$60||$0||$60||$85 - $125||$75 - $125||$75, $125|
How to choose a home warranty
Home warranties help homeowners pay for expensive home repairs related to the breakdown of major home systems, such as heating or plumbing, and major appliances, including kitchen refrigerators or water heaters. Home warranty providers charge customers a monthly premium in exchange for providing repairs at a set service call fee. This can save homeowners thousands of dollars over the length of the contract.
To choose a home warranty, find a company you trust and select a plan that covers the systems and appliances essential to your home. You can choose a home warranty by following these steps:
Decide on the type of home warranty plan you need
The majority of home warranty companies offer three primary types of home warranty plans: appliances, home systems and combination plans. A combination plan will cover your home appliances and your systems. An appliance plan covers home items like your dishwasher and refrigerator. A systems plan covers a home’s plumbing, electric and other systems.
Some companies have add-on options for other home items that don’t typically fall under these three categories, such as outside spas or hot tubs and swimming pools. Most customers opt for a combination plan, but some do prefer coverage for appliances or systems. If most of your home appliances are brand new and still covered under a manufacturer’s warranty, you may want to opt for a systems-only plan.
Know what you can afford
Companies that provide home warranties charge a monthly premium for their services, generally around $50 a month. If cost is a significant factor for you, shop around for the best deal or consider opting for less coverage to reduce the price. Also, keep in mind that home warranties often require regular maintenance on your covered appliances and systems to keep the contract valid.
Research and compare providers
Researching home warranty providers is the most critical step when choosing a plan. As you research, we recommend comparing:
- Monthly or yearly cost
- Service call fee
- Plan options
- Number of covered systems and appliances
- Available add-on coverage
- Service recall period (the length of time a warranty company guarantees a repair)
- Any caps, maximum payout limits or exclusions the company sets in its contract terms
Once you select a provider and are ready to make a purchase, the company will likely have a 30-day waiting period before your service contract goes into effect. Once this period has passed, you can typically use your home warranty as often as needed.
Average appliance repair cost
Avg. Repair Cost: $295
Avg. Replacement Cost: $3800
Avg. Repair Cost: $316
Avg. Replacement Cost: $1500
Avg. Repair Cost: $334
Avg. Replacement Cost: $8000
Avg. Repair Cost: $375
Avg. Replacement Cost: $4400
Avg. Repair Cost: $220
Avg. Replacement Cost: $2000
Avg. Repair Cost: $250
Avg. Replacement Cost: $8267
Avg. Repair Cost: $200
Avg. Replacement Cost: $757
Avg. Repair Cost: $170
Avg. Replacement Cost: $719
Types of home warranties
The right plan for you varies based on whether you own a home, are buying a home or are planning to sell a home. Optimal coverage also differs based on the type of home that needs protection. Some of the most common types of home warranties are:
A homeowner may purchase a home warranty at any time. Providers offer home warranties that fit different needs, whether you're planning to sell your home or stay in it for the foreseeable future.
People often purchase home warranties immediately after buying a home. A homebuyer warranty becomes effective on the day of closing. The buyer or the buyer’s real estate agent may purchase the home warranty.
Seller home warranty
Purchasing a home warranty while your house is on the market is a smart move. You can quickly fix any issues that come up while your home is on the market and help close the deal by providing potential buyers a home warranty that transfers into their name after the sale. It’s especially useful to purchase home warranties when selling an older home.
Home warranties for rental properties
Landlords benefit greatly from the security of a home warranty. You’re 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 home warranty
New construction warranties 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, such as the home’s foundation.
Condo home warranty
A condo home warranty is similar to a traditional house warranty. One unique issue condo owners encounter is finding coverage for shared home systems. For example, most condo home warranties don’t cover an air conditioning system used by two condos.
Mobile home warranty
Mobile home warranties are like traditional house warranties, but they focus more on the systems and appliances most common in mobile homes.
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Author reviews for home warranty companies
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.
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.
American Home Shield (AHS) was founded in 1971 and is part of the ServiceMaster family of companies. AHS provides warranty coverage to 1.7 million customers across the United States, and the company has paid out $2 billion in home warranty claims since 2013. 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 14,000 local contractors to make service repairs. The company monitors consumers’ reviews of contractors to ensure AHS warranty holders only work with qualified service providers.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Protect the appliances and systems in your home with a home warranty plan starting at just $1 per day. Get total coverage for just $1.50 per day. Customize your plan with the add-ons you need, and don’t pay for the ones you don’t.
- Fast claims processing: Every claim is received and processed quickly and efficiently. Your call will always be addressed and handled in the most efficient and cost-effective way possible.
- Option to use out of network contractor: Liberty Home Guard has a wide network of contractors, but if you decide to use one that’s out of network, you can opt to take cash instead of the service.
- Live updates: You’ll get live updates on the status of your service order once you submit a claim.
- Flexible pricing: Plans start as low as $1 per day, and you can add on additional coverage if you have things like a pool or second refrigerator.
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.
- Customer service: The HomeServe USA repair hotline operates 24 hours a day, seven days a week, to quickly process repair claims and help homeowners.
- Immediate coverage: Coverage starts the day a customer's order is processed, although most plans require a 30-day waiting period before a customer makes a claim.
- Technican screening: HomeServe USA technicians are local, licensed and insured. The screening process includes an evaluation of technicians in the field as well as verification of their certifications.
- Range of plans: Plans provide coverage for areas such as exterior and interior electrical wiring, exterior sewer and septic lines, interior plumbing and drainage, water heater, cooling and heating systems and the interior gas line.
- Guarantee: HomeServe USA plans come with a one-year guarantee to ensure the thoroughness of repairs.
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.
Fidelity National Home Warranty sells home warranties to both home buyers and home sellers. With a history of superior customer service dating back to 1978, Fidelity National Home Warranty services Arizona, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Missouri, Nevada, Oregon, Texas, Utah and Washington.
Warranty plans provide coverage for malfunctions and breakdowns from ordinary use on home systems and appliances. Warranty plans may cover systems and appliances or a combination.
Compare Home Warranty Reviews
Super Home Inc.
|Read 68 Reviews|
Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 to $119 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more.
|Amazon Home Warranty||Read 214 Reviews|
Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for combo plan and a $75 fee per service visit. 90-day guarantee on parts, 30-days on labor.
|Fidelity National Home Warranty||Read 127 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.
|Old Republic Home Protection||Read 788 Reviews|
Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state, but expect to pay around $65 a month for Platinum coverage. Deductibles are $75. Plans are renewable by the homeowner.
|GE Service Contracts||Read 252 Reviews|
Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for the GE appliances, is provided through Assurant Inc.
|HSA Home Warranty||Read 233 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.
|American Home Guardian||Read 18 Reviews||Out Of Business|
Purchased by HomeServe in 2019.
|Allied Home Warranty||Read 24 Reviews||Out Of Business|
Merged with OneGuard Home Warranties in 2018.
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.
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