Best Home Warranty Companies

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

Home warranties help cover costly, unexpected repairs on systems and appliances that break due to normal wear and tear. When finding the best home warranty, you'll need to understand how home warranties work, determine how much it will cost and know what to look for in a service contract to make sure you get the right coverage.

Compare Reviews for Top Home Warranty Companies

Top Pick
American Home Shield
Read 42018 Reviews

Choose from 3 plans to cover systems, appliances or both. Build your own plan for customized coverage. Premium costs vary by location; deductibles range from $75-$125. Extended warranty protection for electronics is now available.

toll freenumber(888) 312-6764 Free Quote
Choice Home Warranty
Read 17392 Reviews

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

toll freenumber(732) 765-6416 Free Quote
2-10 Home Buyers Warranty
Read 4496 Reviews

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

Liberty Home Guard
Read 95 Reviews

Get systems coverage, appliance coverage or total coverage starting at $1 per day. Add-ons are available to cover additional items. Option to use an out of network contractor and get cash instead of service.

toll freenumber(646) 453-6807 Free Quote
Select Home Warranty
Read 7937 Reviews

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

toll freenumber(949) 541-3362 Free Quote
America's 1st Choice Home Club
Read 925 Reviews

Choose from 4 plan options ranging from systems-only to platinum-level coverage. Additional customization is also available. Premiums as low as $395 (when paid in full) with deductibles from $75-$125.

toll freenumber(888) 317-6195 Free Quote
TotalProtect Home Warranty
Read 3775 Reviews

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

toll freenumber(844) 278-1657 Free Quote
First American Home Warranty
Read 6036 Reviews

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

toll freenumber(877) 755-6974
Total Home Protection
Read 1000 Reviews

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

HMS Home Warranty
Read 3300 Reviews

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

American Residential Warranty
Read 1151 Reviews

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

toll freenumber(217) 281-0462
OneGuard Home Warranties
Read 494 Reviews

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

toll freenumber(844) 482-7396 Free Quote
The Home Service Club
Read 567 Reviews

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

Home Warranty of America
Read 2306 Reviews

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

Cross Country Home Services
Read 522 Reviews

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

Our top 3 picks for the best home warranty

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

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

LabelCompany nameLogoContactSummary
Best Overall(888) 312-6764 Get a Free Quote Visit website
LabelCompany nameLogoContactSummary
Best Value(646) 453-6807 Get a Free Quote Visit website
LabelCompany nameLogoContactSummary
Best Coverage(732) 765-6416 Get a Free Quote Get a free quote

Home warranty reviews

Best Overall
American Home Shield

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

American Home Shield is one of the biggest players in the industry and offers some of the best coverage on the market. We love them for their “Build Your Own” plan which allows customers to completely customize their coverage to protect exactly what they need at the best price. We recommend AHS for customers looking for complete coverage.

AHS requires no pre-inspection, and you can get a plan at any time, regardless of the age of your home’s systems and appliances.

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


Best Value
Liberty Home Guard  

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

Liberty Home Guard offers customers comprehensive coverage for systems and appliances, including your refrigerator’s ice maker and dispenser and whirlpool baths, which often come as add-ons under other warranty plans. Liberty also offers a wide range of optional add-ons from the typical—pools and spas, sump and well pumps, septic systems to the less common like re-key, pest control and cleaning services.

Liberty offers multiple contract terms and a 60-day workmanship guarantee.

  • Availability: Services customers in 48 states (sorry, California and Washington!)
  • Plans: 3 plans available—Appliance Guard, Systems Guard and Total Home Guard. Total Home Guard covers both household appliances and home systems. Optional coverage is available to add-on to any of the plans for items like pools, sump pumps and more.
  • Pricing: 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. Certain promotions may include free months.
  • Service call fees: $75
  • Contract length: Monthly, annual and multi-year contracts available.


Best Service Coverage
Choice Home Warranty

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

Choice Home Warranty offers coverage for most major home systems and appliances, regardless of their age. Claims can be submitted via Choice’s online account center 24-hours a day, 7 days a week. You can adjust your plan to include as much coverage as you need with two pre-designed plan options and a list of ala carte add-on coverage available.

  • Availability: 48 states
  • Plans: 2 plan options available—Basic or Total. Plans are available to cover major home appliance and system repairs, but the Total Plan covers a few critical items the Basic Plan does not, including air conditioning systems, refrigerators, washers and dryers. Limited roof leak coverage is also available as optional, add-on coverage.
  • Pricing: Plans are available starting around $35/month. The average cost for a full year of service is $450.
  • Service call fees: $85
  • Contract length: 1 year

Home warranty FAQ

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

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

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

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

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

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

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

What are the different types of home warranties?

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

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

Home warranty seller benefits

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

Home warranty buyer benefits

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

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

LabelCompany nameLogoContactSummary
Best Overall(888) 312-6764 Get a Free Quote Visit website
  • $75, $100, $125 service call fees
  • 4 plan levels
LabelCompany nameLogoContactSummary
Best Value(646) 453-6807 Get a Free Quote Visit website
  • $75 service call fee
  • 3 plan levels
LabelCompany nameLogoContactSummary
Best Coverage(732) 765-6416 Get a Free Quote Get a free quote
  • $85 service call fee
  • 2 plan levels

Compare Reviews for Top Home Warranty Companies

Landmark Home Warranty
Read 1625 Reviews

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

Amazon Home Warranty
Read 90 Reviews

Home warranty packages for basic appliances and major systems like heating, air, plumbing, electrical and more. Available for homeowners, realtors, contractors, buyers and sellers. Rates vary, quotes available online.

GE Service Contracts
Read 233 Reviews

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

HomeServe USA
Read 80 Reviews

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

Old Republic Home Protection
Read 733 Reviews

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

Home Security America
Read 210 Reviews

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

Fidelity National Home Warranty
Read 51 Reviews

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

American Home Guardian
Read 17 Reviews

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

Allied Home Warranty
Read 24 Reviews

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

365 Home Warranty
Read 31 Reviews

Offers 3 plans with military, veteran and other discounts.

Not sure how to choose?

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

Michele Lerner, author of “HOMEBUYING: Tough Times, First Time, Any Time”, has been writing about personal finance and real estate for more than two decades. Michele writes for regional, national and international publications in print and online for a variety of audiences including consumers, real estate investors, business owners and real estate professionals.