Best Home Warranty Companies

American Home Shield has excellent reviews from reviewers on ConsumerAffairs and some of the most comprehensive coverage on the market. AHS does not require a home inspection, and you can get a plan at any time, regardless of the age of your home’s systems and appliances. For the price, it's one of the better options.

Several positive reviews highlight the company’s prompt services. “AHS is easy to deal with. We just call them and they do the work in the background. We're so busy, so it really helps our lifestyle,” a reviewer in South Carolina said.

“We've used them at least three times for air conditioners, refrigerators, and electrical. And everyone and the people that have come out have been fantastic,” a reviewer in California said.

Other reviewers say AHS is “very simple” to use and offers a “one-stop plan” for homeowners.

Base plans from AHS start at $29.99 to $69.99 a month. You can choose between a $100 or $125 deductible, but be aware this affects your monthly cost — when we were comparing prices, switching to a $125 deductible raised the price for the ShieldSilver plan from $29.99 to $49.99.

• ShieldSilver covers 10 major systems, including heating, cooling, electrical and plumbing.
• ShieldGold covers 18 appliances and systems, including kitchen and laundry equipment, heating, cooling, electrical and plumbing. The ShieldGold plan caps appliance repairs at $3,000 per year for each appliance.
• ShieldPlatinum is American Home Shield’s most comprehensive plan. It includes roof leak coverage (up to $1,500 annually). It also raises the annual repair limit to $6,000 and adds other benefits.

AHS offers an electronics extended warranty for $14 a month and add-on coverage for pool and spa, well pump, septic pump, guest unit and roof leak repairs. Prices vary, but be aware your chosen deductible may affect the monthly cost of add-on coverage.

Choice Home Warranty is known for its network of professional technicians and customer support. The company works with more than 25,000 contractors across the country and says it has covered more than a million homes and processed more than 4 million service requests. Choice starts a service response within four hours of a request.

Satisfied customers highlight professional and prompt repair technicians. According to a reviewer in Florida, scheduling through Choice’s website is the “best and fastest way to get service.”

“Two technicians arrived when scheduled — quickly determined what needed to be done, and explained repairs to me,” a reviewer in Oregon said. Another Florida reviewer said the company “came out promptly and went above and beyond.”

Choice Home Warranty offers a Basic Plan and a Total Plan, both of which cover a variety of home systems and appliances. The Basic Plan starts at $46.67 per month, while the Total Plan starts at $55 per month.

All plans come with a flat $85 service fee. Coverage lasts for one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract for free.

• Basic Plan: This plan covers 14 systems and appliances, including heating, electrical and plumbing.
• Total Plan: The Total Plan includes everything in the Basic Plan and adds coverage for your washer and dryer, refrigerator and air conditioning system.

Choice Home Warranty has 11 add-ons to choose from that range from $3.33 a month for a second refrigerator to $15 a month for pool and spa coverage. You can also add limited roof leak coverage for $5.83 a month.

Other available options include coverage for well pumps, central vacuums, standalone freezers, sump pumps, an additional spa, your septic system, septic tank pumping and a sprinkler system.

Liberty Home Guard has three plans: One that specializes in systems coverage, one that specializes in appliance coverage and a third that combines systems and appliance coverage. The company offers month-to-month plans, which makes it a good option for those wary of entering a long-term commitment.

The company gives customers two months free if they choose to make one annual payment instead of monthly payments.

Several people who left reviews on our site complimented Liberty Home Guard for its easy application process.

“The application for the home warranty was really easy,” said a reviewer from Missouri. “The representative was extremely friendly and answered any questions that I had regarding the home warranty.”

Other customers commented on the company’s quick repair time and how the technicians arrived prepared to finish the job.

“I’m really impressed with them as I’ve heard such bad things about home warranty companies taking weeks for even simple claims,” a ConsumerAffairs reviewer from New York said. “Hopefully, they continue to provide this level of service.”

Liberty Home Guard’s plans start at $49.99 for the Appliance Guard plan, while the Total Home Guard plan, the company’s most comprehensive option, starts at around $59.99 a month. Annual prices range from $499.99 to $599.99.

• Appliance Guard: Liberty Home Guard’s least expensive plan covers common household appliances, including your refrigerator, washer, dryer and dishwasher.
• Systems Guard: The company’s Systems Guard plan covers major home systems and helps pay for repairs or replacement for your air conditioning, heating, plumbing and water heater.
• Total Home Guard: Liberty Home Guard’s most comprehensive plan combines the Systems Guard and Appliance Guard plans.

Liberty Home Guard provides a robust selection of more than 40 add-ons for its plans, including popular options like pool coverage ($199.99 annually) and less-common options like a wine cooler coverage ($119.99 annually).

Other popular options include limited roof leak coverage ($119.99 annually) and electronics protection ($199.99 annually).

Cinch Home Services offers three plans that can be customized by choosing a $100, $125 or $150 deductible. The company also states it has a quick turnaround on claims: You can expect Cinch Home Services to contact an independent contractor within two hours after you request service.

We like that Cinch repairs have a 180-day workmanship guarantee, which is longer than the industry average. Customers can get discounts when they buy new brand-name appliances.

Submitting claims “is the easiest thing ever,” according to a reviewer in Virginia. “It was so easy because I don't have to call anybody. I just go online. I submitted a claim on a Sunday night and at 7 a.m. the following day, I got a call.”

“Cinch works with you,” according to a reviewer in Louisiana. “They understand everything that you are going through and they're very willing to help.”

Cinch Home Services has three straightforward options: an appliances plan (starting at $30.99 per month), a systems plan (starting at $35.99 per month) and the Complete Home plan (starting at $44.99 per month), which includes the coverage from the other two plans.

Service call fees are $100, $125 or $150 — choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks and a credit for an air conditioner or water filter.

• Appliances: This plan covers washers and dryers, cooktops, dishwashers, ovens, ranges and range exhaust hoods, refrigerators, free-standing ice makers, built-in microwaves and trash compactors.
• Built-in Systems: This plan covers air conditioning (including ductwork), attic and ceiling fans, central vacuums, doorbells, garage door openers, garbage disposals, instant hot/cold water dispenser, toilets, sump pump, water heater, electrical system, heating system, plumbing system, smoke detectors and a whirlpool or jetted tub.
• Complete Home: With the Complete Home plan, you get everything in the appliances and systems packages, plus a one-time annual reimbursement of up to $500 if you have to pay a deductible on a homeowners insurance claim.

You can add pool, spa, septic system and well pump coverage. The optional Premier Upgrade Package provides up to $1,000 toward typically excluded items for repair or replacement.

America’s 1st Choice Home Club has the longest service guarantee of any company on our list. In addition, you can request service as often as you need. Requesting frequent service also doesn’t affect your rate, either, and new customers get a five-year guaranteed rate on coverage.

The company has two plans, Gold and Platinum, and lets you choose between a $75, $100 or $125 deductible — plans with higher deductibles are less expensive. You can also choose a one-year or three-year contract.

Recent positive reviews tend to highlight customer service and value. A reviewer in Connecticut likes the “little extra peace of mind on the new home that we are buying. I also appreciated the professionalism and being able to get a lower rate than online!”

A reviewer in Florida appreciated that a rep didn’t try “to sell us more than we needed or wanted and only what was most important to us.”

AFC has four plans, including one just for major systems. The plans start at around $40 a month for systems-only coverage. You can choose a $75, $100 or $125 deductible and a one-year or three-year plan — higher deductibles and longer plan terms lower the cost.

You can also choose to make monthly or yearly payments. A $75 fee may apply if you cancel before your term ends.

• Systems Plan: This plan includes coverage for your air conditioning and heating systems, water heater, ductwork, electrical systems and plumbing.
• Silver Plan: The Silver Plan covers your kitchen refrigerator, oven and range, dishwasher, garbage disposal, washer and dryer and garage door opener. It does not include any coverage for home systems.
• Gold Plan: This plan combines coverage from the Systems and Silver plans.
• Platinum Plan: The Platinum Plan covers everything in the Gold Plan, plus plumbing stoppages, a built-in microwave and an ice maker.

America’s 1st Choice Home Home Club has 13 optional coverage options, including in-ground pool coverage for $100 a month and standalone freezer coverage for $25 a month. The company has also added electronics coverage for $274.99 annually.

ARW Home has four plans and is one of the few companies we’ve seen that offers a standalone electronics plan. The company also has a $55 service fee, which is the lowest among our picks. We like that the company is transparent about rates and fees, but some plan options vary slightly by state.

The company’s annual caps for appliance coverage are relatively low (between $300 and $500 for certain items), however, which means this plan works best if you tend to shop for budget appliances. Be sure to contact the company for the most accurate pricing and coverage information in your area.

What stood out to us was the high frequency of happy customers who say customer service representatives go above and beyond. Recent reviewers describe reps as “very professional,” “helpful” and “respectful.”

A reviewer in Tennessee said their customer service rep “was knowledgeable and thorough. She even followed up …” American Residential Warranty is also “consistent with their promises of services,” and prices are competitive, according to the reviewer.

The company offers four plans: Ultimate Electronics Protection, Kitchen Plus, Platinum Premier and 4-in-1 Bundle.

• Ultimate Electronics Protection: This plan covers many consumer electronics, making it perfect for renters who do not need coverage for home appliances or systems. It provides coverage for laptop and desktop computers, tablets, printers and gaming consoles. It also covers LED, L CD, flat-panel and plasma televisions.
• Kitchen Plus: This plan covers some of the most basic kitchen appliances and related systems. It covers your interior electrical system along with your refrigerator, range, oven, cooktop, dishwasher, built-in microwave, garbage disposal, kitchen exhaust fan and water heater.
• Platinum Premier: The Platinum Premier plan has all the coverage as Kitchen Plus but adds protection for your central air conditioning and heating, humidifier, plumbing system, plumbing stoppages, ductwork, garage door opener and ceiling fans.
• 4-in-1 Bundle: The 4-in-1 bundle combines the coverage of the other three plans, providing coverage for everything from your tablet to air conditioning system. It also adds water and sewer line coverage.

ARW Home’s optional coverage varies by plan. You can add washer and dryer coverage for around $9.99 a month, pool and spa coverage for $23.99 a month or electronics protection for $24.99 a month.

First Premier Home Warranty offers two plans, Premier and Platinum, that include a combination of systems and appliances. You can choose to pay monthly or annually, and the company offers two free months and adds limited roof coverage if you choose to pay annually.

Many customers who left reviews for First Premier Home Warranty on our site singled out the helpful company’s helpful sales agents.

“[The sales representative] kept working for me until he found the best deal,” said a customer from Florida who left a review on our site. “Went to his manager to find even better deals. I’ve never had a customer service experience so good.”

Another customer in Texas noted the staff worked with them when they needed to lower their payments in order to afford the plan.

First Premier Home Warranty offers two plans that cover both systems and appliances. There’s a $75 deductible per filed claim.

• Premier: The company’s base-level plan covers many common systems and appliances, including your plumbing system, electrical system, water heater, whirlpool bathtub, ductwork, dishwasher, cooktop and oven.
• Platinum: First Premier Home Warranty’s comprehensive plan includes everything in the Premier plan and adds coverage for your AC system, heating system, washer, dryer and refrigerator. It also includes coverage for a sump pump, which many home warranty companies treat as optional coverage that increases your plan’s cost.

First Premier Home Warranty offers 22 add-on coverage options. The most expensive add-on is pool/spa coverage, which costs around $12.50 a month. You can also buy coverage for items such as sump pumps, central vacuums and septic systems. If you choose to pay monthly and not receive free limited roof coverage, you can add roof coverage for $4.17 a month.

Of the home warranty companies on ConsumerAffairs.com that offer roof leak coverage, Select Home Warranty has the highest percentage of 5-star reviews that mention roofs.

Select Home Warranty’s roof leak coverage pays out if there is a leak in any occupied area of your home. It has some exclusions, including metal roofs, chimney components, shingles, tiles and patios.

The roof coverage add-on is $99 annually, but the company often runs specials for free roof coverage when you buy any plan. You can also get a discount for signing up for multiple years of protection.

Recent positive reviews highlight Select Home Warranty’s value and coverage. “Great price offering with inclusion of roof and sprinkler systems, which are all increases with other home warranty companies,” a reviewer in Texas said.

Paying for a plan annually “is the best way to go” because it comes with “an additional 12 months plus the roof leak coverage for free,” according to a reviewer in Maryland.

A reviewer in California who used to work with a different home warranty provider switched to Select Home Warranty to save money: “Select Home Warranty was quite competitive with cost. … They also offer more covered services like roof leaks and lawn sprinklers. The sales agent was informative but not pressuring and very knowledgeable.”

Select Home Warranty offers three plans, with prices ranging from $57 to $63 per month. You can reduce your premiums by paying annually instead of monthly. Select Home Warranty allows an unlimited number of repairs on covered items on each plan.

• Bronze Care: This plan only covers appliances, including your garbage disposal, dishwasher, refrigerator, stove and oven and clothes washer and dryer.
• Gold Care: This plan covers many household systems, including your air conditioning and cooling, water heater, ductwork, heating, plumbing and electrical.
• Platinum Care: Select Home Warranty’s most popular warranty plan combines the Bronze Care and Gold Care packages and provides the company’s most comprehensive coverage.

Select Home Warranty offers nine add-ons to your plan, ranging from sump pump coverage for $3.33 a month to pool coverage for $8.33 a month.

HomeServe offers a wide variety of low-cost plans that you can purchase a la carte to customize your coverage. The number of plans available varies based on where you live, but most locations can choose between 15 to 20 plans. The company focuses on systems rather than appliances, but it does offer electronics protection in some areas.

With a plan, homeowners don’t have to worry about finding a contractor, getting multiple bids or paying the final bill. Some plans come with a 90-day repair guarantee. Other repairs are guaranteed for a full year.

Highlights from recent positive reviews include affordable premiums and quick response times.

“Having HomeServe has saved us more than we've spent on the bimonthly premiums. They have never failed to respond immediately when we call and have only sent really good contractors to unclog a sink, toilet or laundry line,” a reviewer in Kentucky said.

According to a reviewer in South Carolina, “It's the best program to protect yourself and your household against any home disasters.”

Plans and pricing: Pricing varies per plan and your location, but most cost less than $20. The company’s cheapest option, interior electrical coverage, costs $6.99 a month, while its most expensive, a complete plumbing plan that covers interior and exterior gas, water and sewage/septic lines and your water heater, costs $41.99 a month.

HomeServe’s plans offer a simple way to customize your coverage to reduce costs, and it has plans available for systems that many companies might not cover at all, such as electric vehicle chargers.

The company offers two tiers of plans for electronics protection: The Tech Protection Essential plan costs around $11.99 a month, and the Tech Protection Premier plan costs around $17.99 a month.

HomeServe does not provide optional coverage, but its a la carte model makes it easy to customize your plan while only paying for the coverage you need.