Compare our picks for roof warranties
| Company | Plans with roof coverage | Roof add-on? | Service fee | Basic monthly plan cost | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | ShieldPlatinum |  | $100 or $125 | $79.99 or $89.99 (ShieldPlatinum) |
 Liberty Home Guard | Get a Quote | None (add-on only) | | $65 to $125 | $54.99 (Systems Guard) |
 Select Home Warranty | Get a Quote | Bronze Care, Gold Care, Platinum Care | | $75 to $100 | $60.42 (Bronze and Gold Care) |
More details about our top roof warranty picks
After researching numerous home warranty companies, we found that many offer roof coverage. Out of the companies that offer comprehensive roof coverage, we were able to choose our top three, including one that offers roof coverage free with all of its packages.
- Plans with roof coverage:
- ShieldPlatinum
- Service fees:
- $100 or $125
- Monthly cost for basic coverage:
- $79.99 or $89.99 (ShieldPlatinum)
- Plans with roof coverage:
- None (add-on only)
- Service fees:
- $65 to $125
- Monthly cost for basic coverage:
- $54.99 (Systems Guard)
- Plans with roof coverage:
- Bronze Care, Gold Care, Platinum Care
- Service fees:
- $75 to $100
- Monthly cost for basic coverage:
- $60.42 (Bronze and Gold Care)
Do home warranties cover roofs?
Home warranties generally offer roof leak repair, not full roof replacement, as an add-on or part of an upgraded package. Coverage is usually limited to repairable leaks caused by wear and tear, and many companies exclude storm damage, structural issues, and roof penetrations like skylights or chimneys.
If your roof develops a leak, the company sends a licensed technician to identify the source and patch the area. This is distinct from a manufacturer's warranty, which covers defects in materials, or homeowners' insurance, which covers major damage from events like fire or hail.
Commonly covered repairs include:
- Small punctures and nail-related repairs
- Damaged shingles or shake replacement
- Tile repair or replacement
- Underlayment and vinyl membrane repair
- Seam repairs on flat or rolled roofs
It’s less common, but your home warranty company may offer additional roof services like gutter cleaning.
» MORE: What does a home warranty cover?
What’s not covered?
A home warranty is designed for minor leak repairs, not major renovations. Generally, coverage is restricted to roof leaks over single-family homes and excludes detached porches, sheds or decks. Your claim won’t cover a full roof replacement. Many plans exclude metal, tile or green roofs.
Certain circumstances can also get your coverage denied, like:
- Roofs beyond a certain age.
- Preexisting roof damage or leaks that existed before the policy started.
- Lack of regular maintenance, including failure to clean gutters or address known issues.
- Damage caused by extreme weather events or “acts of God,” like tornadoes or hurricanes.
What to consider when buying a home warranty with roof coverage
When you’re shopping for a home warranty with roof coverage and comparing providers, there are a few important factors to consider to make sure you get the best protection for your needs:
- Check your roof material: Many warranties only cover asphalt shingles. If you have a metal, tile or eco-friendly green roof, you need to find a provider that explicitly includes these materials in their fine print.
- Evaluate their service flexibility: Some companies require you to use their internal network of technicians. Others allow you to choose your own local roofer. If you have a trusted contractor who already knows your roof’s history, look for a "preferred service person" clause.
- Review the dollar caps: A $500 cap might cover a simple shingle replacement, but a $1,500 cap is more appropriate if your area has high labor costs or complex roofing structures.
- Consider regional expertise: If you live in an area prone to high winds or heavy snow, look for companies that partner with local technicians who understand those specific challenges.
FAQ
Will a home warranty pay to replace my roof?
Most home warranty companies only cover leak repair and won’t pay to replace your entire roof.
Do I need a roof warranty?
If you buy a new home with a homebuilders warranty, you may not need to purchase another warranty. If not, a home warranty with roof protection can help offset any unexpected repair costs.
How much does it cost to repair a roof?
Roofing repairs can cost anywhere from $5,841 to $12,835 as of publishing. Homes with large, high-end roofs can cost significantly more, potentially as much as $46,000 or more if a replacement is required.
Does a roof home warranty cover preexisting conditions?
No. Home warranty companies generally exclude preexisting conditions from roof repair coverage.
Is a home warranty worth it for roof coverage?
A home warranty is worth it for roof coverage if you want to cap your out-of-pocket expenses for basic leak repair. While it won’t replace your aging roof, it provides a financial safety net for minor leaks that could otherwise lead to expensive water damage.
However, it’s important to understand that even with roof coverage, your home warranty will have restrictions about when it will pay for repairs. To get the most value, always read the fine print regarding coverage caps and material exclusions before signing your contract.
