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Find the Best Home Warranty Companies

Read our guide to discover the best home warranty company for you. We look at how home warranties work, how much they cost and what to look for in a contract to ensure you get the right coverage. Home warranties cover expensive repairs to systems and appliances that fail because of normal wear and tear.

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    Compare Reviews for Top Home Warranty Companies

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    American Home Shield
    Read 54,806 Reviews

    Choose from four plans to cover systems, appliances or both. Combo plan starts at $45 per month. Deductibles range from $75 to $125. 60-day workmanship guarantee. Extended warranties for electronics also available.

    Get a Quote Call Now Toll Free (833) 802-1278
    America's 1st Choice Home Club
    Read 1,499 Reviews

    Choose from four plan options ranging from systems-only to platinum-level coverage. Premiums as low as $395 a year when paid in full. Deductibles range from $75 to $125.

    Get a Quote Call Now Toll Free (855) 923-3576
    American Residential Warranty
    Read 1,336 Reviews

    Choose from five plan options that range from kitchen coverage to a bundle package that provides comprehensive protection. Premium prices start at $29.99 with deductibles of $55.

    Get a Quote Call Now Toll Free (217) 281-0462
    Select Home Warranty
    Read 10,814 Reviews

    Select from three plan options. Monthly premiums start at $35 with deductibles as low as $45. No service recall period. Roof coverage included. Special promotions include free extra months on your contract.

    Get a Quote
    Choice Home Warranty
    Read 22,549 Reviews

    Offers two plans with basic or comprehensive coverage. Get a plan for around $40 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
    Liberty Home Guard
    Read 162 Reviews

    Covers individual systems, appliances or both. Plans start at $1 a day plus a $60 service fee. Use of out-of-network contractors available. Add-on gutter cleaning, floor cleaning and pest control coverage.

    Get a Quote Call Now Toll Free (646) 453-6807
    Total Home Protection
    Read 1,229 Reviews

    Offers two plans covering select systems and appliances. Premium costs vary by location and home details with standard deductibles of $75. Optional add-on coverage also available.

    Get a Quote
    First American Home Warranty
    Read 6,777 Reviews

    Opt for one of two plans covering appliances or appliances and systems. Monthly costs around $40 for the premier plan with deductibles between $50 to $100 with unlimited service requests.

    Get a Quote Call Now Toll Free (855) 802-1335
    2-10 Home Buyers Warranty
    Read 6,083 Reviews

    Provides coverage for major systems and appliances. Premiums range from $30 to $40 with $75 to $100 deductibles. Appliance replacement costs covered. Roof leak coverage available. Provides structural warranties for new homes.

    Cinch Home Services
    Read 4,511 Reviews

    Offers three plans starting at appliances-only and going up to comprehensive coverage. Combo plans average $54.95 a month with standard deductibles of $125. Warranties include a 180-day guarantee on repairs or service.

    Get a Quote
    HMS Home Warranty
    Read 4,359 Reviews

    Offers a variety of plans with specific coverage options based on location and home type. Monthly cost between $40 to $50 per month with a $100 deductible. Realtors can buy a home warranty as a gift for their clients.

    OneGuard Home Warranties
    Read 591 Reviews

    Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state but may be as low as $25 per month. Deductibles are $69. Some home maintenance services included.

    Get a Quote Call Now Toll Free (844) 482-7396
    HomeServe
    Read 608 Reviews

    Offers individual and combo plans for heating, cooling, plumbing and electrical systems. Costs vary by location but may be as low as $5.49 a month. Charges no deductibles. Provides a one-year guarantee on most repairs.

    Home Warranty of America
    Read 2,654 Reviews

    Offers two plan options, including a premium plan that covers more than 30 systems and appliances. Custom plans with optional add-ons available. Pricing starts around $40 a month with deductibles from $75 to $100.

    The Home Service Club
    Read 742 Reviews

    Choose from two plans with standard or comprehensive coverage for systems and appliances. Optional add-ons available. Premiums and specific coverage vary by state, but average $35 a month. Deductibles range $65 to $125.

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      How to buy a home warranty

      couple looking at budget

      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 buy a home warranty, find a company you trust and select a plan that covers the systems and appliances essential to your home. You can buy a home warranty by following these steps:

      1. Determine your coverage needs
        Most home warranty providers offer coverage for both appliances and home systems. These plans are provided in combination plans or separately as a home appliance warranty or systems-only coverage plan. Combination plans are ideal for most customers, but some homeowners prefer to buy coverage for one or the other. If your home appliances are new and covered under a manufacturer’s warranty, you may want to opt for a systems-only home warranty plan to cut down on your monthly premium cost.
      2. 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 and better fit your budget. Also keep in mind that home warranties require regular maintenance on your covered appliances and systems to keep the contract valid.
      3. Research and compare providers
        Researching home warranty providers is the most critical step when choosing a plan. As you research, we recommend comparing the following factors:
        • Monthly or yearly cost
        • Service call fee
        • Plan options
        • Number of covered systems and appliances
        • Available add-on coverage
        • Service recall period (i.e., 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.

      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:

      Homeowners warranty
      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.

      Homebuyer warranty
      People often purchase home warranties immediately after buying a home. A homebuyer’s warranty becomes effective on the day of closing. The buyer or the buyer’s real estate agent may purchase the home warranty.

      Seller’s 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.

      Home warranty FAQ

      What do home warranties cover?
      Home warranties typically cover most major home systems, such as heating, air conditioning, plumbing and electrical. Home warranties also cover appliances, including kitchen refrigerators, washers, dryers and water heaters. To better understand what home warranty plans cover, read our resource on home warranty plans and coverage.
      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. 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.
      Are home warranties worth the cost?
      A home warranty can easily pay for itself with one major repair. Even if you don’t end up having a costly repair, the peace of mind that comes from reducing the risk of a large one-time payment is worth it to many people. If you decide to buy a home warranty, be sure to read the contract and know the terms and exclusions. The cost of a home warranty premium is likely worth it if:
      • You have an older home
      • Your appliances are no longer under manufacturer warranty
      • Your savings account is not equipped to handle a significant expense
      How long do home warranties last?
      Most home warranty contracts are one year in length and renewable every year.
      Who pays for a home warranty: buyer or seller?
      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 as part of the price of the home as an added benefit to the buyer. This can be particularly attractive for first-time buyers or people purchasing older homes that are more likely to need repairs.

      Home warranty benefits for sellers:

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

      Home warranty benefits for buyers:

      • Peace of mind, especially when buying an older home
      • Convenient, reliable service around the clock
      • Renewable each year
      Do home warranties replace appliances?
      Yes. Generally speaking, most home warranty plans provide replacement appliances for washers, dryers, kitchen refrigerators and other common appliances if the service technician deems the appliance to be beyond reasonable repair. If a replacement is necessary, the home warranty company may give you the cash equivalent so you can choose the replacement appliance.
      Will a home warranty replace old HVAC systems?
      Most home warranty plans cover HVAC repair. To get an old HVAC system replaced, the system must no longer function, and the home warranty company must determine it to be beyond repair. 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. Be aware of this and read your policy carefully so you know what to expect.
      Should I get a home warranty?
      If you’re worried about finding a reliable contractor or running the risk of not having the funds to pay for unexpected repairs, you may want to budget a few hundred dollars toward a home warranty for protection. A home warranty is especially helpful in the following situations:
      • You own an older home: Older homes usually have older appliances and systems. Purchasing a home warranty provides extra assurance that your vintage charmer is around (and in working order) for generations to come. Pay attention to how plans treat preexisting conditions. While most home warranty companies do not conduct inspections, the company is more likely to deny a home warranty claim if the breakdown is a result of a known problem or defect.
      • 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 AC 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.
      • You’re preparing to sell your home: Sellers and listing agents should consider purchasing a plan to attract homebuyers and protect the house while it’s on the market.
      Should I renew my home warranty?
      To decide if your home warranty is worth renewing, ask yourself a few questions.
      • How old is my home?
      • How old are the systems and appliances in my home?
      • Did I use my home warranty in the previous year?

      If the systems and appliances in your home are more than 10 years old, you might want to think seriously about renewing your home warranty. If you’re on the fence, one of the best questions to ask yourself is: Have I used my home warranty? If you have, 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 would be more useful if you put it into a personal home repair savings account?

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

      Which home warranty is the best?
      The home warranty market is crowded, and you have no shortage of available providers. The “best” home warranty is the one that provides the coverage you want at a price you can afford.

      Compare popular home warranty providers:

      What is a home protection plan?
      Protection plans, sometimes known as appliance plans, are similar to home warranties. One important difference between home warranties and home protection plans is that protection plans often provide routine maintenance services. They also typically cover just one appliance or home system, which leads to consumers buying them selectively. Unfortunately, some companies refer to their home warranties as “home protection plans,” which adds to the confusion. Whatever the agreement is called, make sure you understand the terms, coverage, exclusions and all associated costs before buying.
      Do I need a home warranty?
      While a home warranty isn’t required for owning a home, it’s often a good idea to have one. Home warranties cover major systems and appliances in your home if they break down and protect homeowners from the risk of making costly one-time payments. It helps to know how home warranties work before purchasing one.
      What is the difference between home insurance and home warranty?
      Home insurance covers home damage caused by certain natural disasters, theft and other unpredictable causes. Home warranties cover breakdowns to major systems and appliances due to normal, predictable wear and tear.
      Do home warranties cover maintenance?
      No, home warranties do not traditionally cover maintenance. However, most home warranty contracts require that covered systems and appliances be properly maintained to keep coverage.

      Our favorite companies

      To select our top home warranty providers, we looked at consumer reviews and ratings, average costs and service recall periods for some of the top home warranty companies in the industry.

      Our favorite pick
      American Home Shield

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

      Learn more

      American Home Shield is one of the biggest players in the industry, and it offers some of the best coverage on the market. We love the company for its “Build Your Own” plan, which allows customers to completely customize their coverage to protect exactly what they need. 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 value
      Liberty Home Guard  

      Company nameContact
      Liberty Home Guard Logo
      Accredited Partner
      Summary
      • Number of plans: 3 plan options
      • Contract length: Monthly, annual and multi-year

      Learn more

      Liberty Home Guard offers comprehensive coverage for systems and home appliances, including appliances like your refrigerator’s ice maker 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 advertises that 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 service coverage
      Select Home Warranty

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

      Learn more

      Select Home Warranty offers three different home warranty plans 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. The company offers several discounts, including savings for those who purchase multiple-year coverage. It also allows clients to add home warranty coverage for pools, sprinkler systems and well pumps. The company offers roof coverage with all of its plans.

      Our pick for customizable plans
      HomeServe

      Company nameContact
      homeserve logo
      Accredited Partner
      LogoSummary
      • Number of plans: Multiple mix and match options
      • Contract length: 1 year

      Learn more

      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. Available coverage includes septic line coverage, electrical line coverage and heating system coverage. HomeServe doesn’t have coverage for appliances like washers, dryers or kitchen refrigerators.

      Our pick for straightforward coverage
      Cinch Home Services

      Company nameContact
      cinch home services logo
      Accredited Partner
      LogoSummary
      • Number of plans: 3 plan options
      • Contract length: 1 year

      Learn more

      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.

      Our pick for affordability
      2-10 Home Buyers Warranty

      Company nameContact
      2-10 home buyers warranty logo
      Accredited Partner
      LogoSummary
      • Number of plans: 3 plan options
      • Contract length: 1 year

      Learn more

      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 it’s a good choice for homeowners looking to save money while protecting their home’s systems and appliances.

      Our pick for service guarantee
      America's 1st Choice Home Club

      Company nameContact
      afc home club logo
      Accredited Partner
      LogoSummary
      • Number of plans: 4 plan options
      • Contract length: 1 year

      Learn more

      Of the companies we analyzed, America's 1st Choice Home Club had the longest service guarantee period. The company provides lifetime guarantees, which means the company backs up any repair it has made while the customer is under the plan, no matter how long ago the repair was. This shows the home warranty company backs up its promises. The company has four plans, including one just for major systems. Others add on appliances, ductwork and more detailed plumbing coverage. The average service call fee is $75. The comprehensive Platinum Plan costs about $625 a year.

      Our pick for no-commitment warranties
      American Residential Warranty

      Company nameContact
      american residential warranty logo
      Accredited Partner
      LogoSummary
      • Number of plans: 5 plan options
      • Contract length: Monthly

      Learn more

      American Residential Warranty is a good pick for those new to home warranties and who want to try one out because the company’s plans don’t require a long-term commitment. Payment plans are available annually, quarterly or monthly. The most popular plan, Platinum Premier, which covers 17 systems and appliances, costs about $60 a month. The company has service in every state. Labor is guaranteed for 30 days, and parts are guaranteed for 60 days.

      Our pick for highly rated
      OneGuard Home Warranties

      Company nameContact
      oneguard logo
      Accredited Partner
      LogoSummary
      • Number of plans: 3 plan options
      • Contract length: 1 year

      Learn more

      At the time of publication, OneGuard Home Warranties was the highest rated home warranty company on ConsumerAffairs. We wish the company had more availability — plans are only available to residents of Arizona, Nevada and Texas. The company’s most comprehensive plan, the HomeGuard plan, runs between $50 and $56 a month and covers major appliances and systems. All service fees are $69, a bit lower than the industry average of $75.

      Our top warranty companies compared

       Accredited PartnerOur pick forAverage yearly costService fees
      American Home ShieldOverall favorite$540$75, $100 or $125
      Select Home WarrantyValue$504$60 - $75
      Liberty Home GuardService coverage$540$75
      HomeServeCustomizable plans$475$0
      Cinch Home ServicesStraightforward coverage$600$100, $125 or $150
      2-10 Home Buyers WarrantyAffordability$420$75 - $100
      America’s 1st Choice Home ClubService guarantee$625$75 - $125
      American Residential WarrantyNo-commitment warranties$720$55
      OneGuard Home WarrantiesStraightforward coverage$672$69
       American Home ShieldSelect Home WarrantyLiberty Home GuardHomeServeCinch Home Services2-10 Home Buyers WarrantyAmerica’s 1st Choice Home ClubAmerican Residential WarrantyOneGuard Home Warranties
      Accredited Partner
      Our pick forOverall favoriteValueService coverageCustomizable plansStraightforward coverageAffordabilityService guaranteeNo-commitment warrantiesHighly rated
      Average yearly cost$540$504$540$475$600$420$625$720$672
      Service fees$75, $100 or $125$60 - $75$75$0$100, $125 or $150$75 - $100$75 - $125$55$69

      Methodology

      When making our top picks for home warranties, we considered trustworthy home warranty companies that are Accredited Partners with ConsumerAffairs. We weighed four factors: ratings on ConsumerAffairs.com, annual cost, service recall period length and number of reviews, and then narrowed the field to our nine favorite home warranty companies.

      • Star rating on ConsumerAffairs.com: We take the thoughts of consumers seriously, so our top factor when choosing top home warranty companies was star rating on ConsumerAffairs.com. When choosing a home warranty company, make sure to read consumer reviews to understand what it’s like to work with the company. Tens of thousands of consumers have reviewed home warranty companies on ConsumerAffairs.
      • Cost: We looked at monthly premiums to calculate the average yearly cost for a comprehensive plan that covers both systems and appliances. When looking for a home warranty, keep in mind that the average monthly cost for home warranties ranges between $40 and $60 per month. Affordable prices are important, but the lowest price doesn’t necessarily mean you get the best service. Paying a little more is often worth it for more comprehensive coverage.
      • Length of service recall period: The service recall period is the length of time the home warranty company guarantees a repair — typically 30 to 90 days. The best home warranty companies have lengthy service recall periods to guarantee their work. If you experience a repair problem again within this window of time, you don’t have to pay a second service fee to have a technician come out and make the repair again.
      • Number of reviews on ConsumerAffairs.com: We also considered the number of reviews a company has on ConsumerAffairs.com when making our top picks. We weighted a company with tens of thousands of positive reviews more favorably than those with a few hundred.

      Although we used four keys factors when deciding our top picks, there are several other things to keep in mind when choosing a home warranty company:

      • Number of covered systems and appliances: Most companies offer several home warranty plans. Many providers divide their offerings into home appliance warranties, home system warranties and combination plans. A combination plan generally gives you the best value and decreases the risk of having to pay for costly repairs, but some people prefer either an appliance plan or a systems plan to reduce costs.
      • Claim submission process: See what the process is when something goes wrong in your home and you need to file a home warranty claim. Look for a company with multiple methods of contact, including a U.S.-based call center and a 24/7 online claim submission portal. Most home warranty companies provide a promised maximum turnaround time for a service call in their contracts. Look for a company that sends someone out within 24 hours and see what the company’s policy is for weekend and holiday repairs.
      • Service call fee: You pay a service call fee each time your home warranty company sends a service technician to your property. A typical service call fee is $75. Some home warranty companies offer a higher service call fee in exchange for a lower monthly premium — this may be a good trade-off for those in newer homes with a lower chance of needing high-cost repairs.
      • Limitations in the service contract: Many home warranty companies provide sample home warranty contracts on their website. While no one wants to read through more than 20 pages of small print, these are valuable resources worth reviewing — especially if you know what to look for. We recommend scanning for the following:
        • Is an inspection required before purchasing a home warranty?
        • Are there any set caps or maximum payout limits for the home warranty contract term or individual repairs?
        • What is the company’s item replacement policy?

      Not sure how to choose?

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        Author reviews for home warranty companies

        Select Home Warranty

        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.
        Read 10814 Reviews
        Choice Home Warranty

        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.
        Read 22549 Reviews
        American Home Shield

        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.
        Read 54806 Reviews
        First American Home Warranty

        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.
        Read 6777 Reviews
        Landmark Home Warranty

        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.
        Read 1678 Reviews
        Cinch Home Services

        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.
        Read 4511 Reviews
        HMS Home Warranty

        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.
        Read 4359 Reviews
        2-10 Home Buyers Warranty

        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.
        Read 6083 Reviews
        Total Home Protection

        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.
        Read 1229 Reviews
        America's 1st Choice Home Club

        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.
        Read 1499 Reviews
        American Residential Warranty

        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.
        Read 1336 Reviews
        Home Warranty of America

        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.
        Read 2654 Reviews
        The Home Service Club

        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.

        Read 742 Reviews
        Liberty Home Guard

        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.
        Read 162 Reviews
        365 Home Warranty

        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.

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        HomeServe

        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.
        Read 608 Reviews
        Old Republic Home Protection

        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.

        Read 766 Reviews
        Fidelity National Home Warranty

        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.

        Read 96 Reviews
        Amazon Home Warranty

        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.

        Read 169 Reviews

        Compare Reviews for Top Home Warranty Companies

        Amazon Home Warranty
        Read 169 Reviews

        Offers home warranty packages for basic appliances and major systems. Pay $48 a month for combo plan, plus a $75 fee per service visit. 90-day guarantee on parts, 30-days on labor. Use an independent contractor with approval.

        Landmark Home Warranty
        Read 1,678 Reviews

        Offers two plan options to residents in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary by state but may be as low as $34 a month. Typical deductible is $60.

        Old Republic Home Protection
        Read 766 Reviews

        Offers four plans with coverage levels and costs that vary by state. Premiums start at $30 a month with $75 or $100 deductibles. Contracts available in Spanish.

        Fidelity National Home Warranty
        Read 96 Reviews

        Find multiple plan options in nine states for existing homes and new construction. Deductibles vary by state but are as low as $65. Offers optional add-on coverage.

        GE Service Contracts
        Read 243 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.

        Home Security America
        Read 228 Reviews

        Choose from basic or 7-Star coverage. Premiums vary by location but are generally between $30-$40 per month with deductibles of $75 to $100.

        American Home Guardian
        Read 18 Reviews

        Serving customers in Texas, Arizona, Utah and Nevada. Provides basic or premier plans with premiums as low as $33 a month. Charges $65 deductibles. Offers upgraded coverage for select items.

        Allied Home Warranty
        Read 24 Reviews

        Offers a base plan that can be customized with a variety of coverage options. Premiums as low as $33 per month. Charges $60 deductibles. Provides discounts to military, police, fire and EMS workers.

        365 Home Warranty
        Read 31 Reviews

        Offers three home warranty plans. Monthly cost ranges between $30 and $45 depending on selected coverage. Charges $75 deductible. TV and PC protection available. Military, veteran and other discounts offered.

        by 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.