Old Republic Home Protection

- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified



Old Republic Home Protection is our top pick for the best home warranty company in Arizona, largely due to its substantial air conditioning coverage limits and positive local reviews. In a state where triple-digit temperatures are the norm, AC units work overtime, making breakdowns almost inevitable.
A solid home warranty protects you from paying thousands out of pocket when your cooling system fails or your pool pump quits. Home warranty plans also cover daily essentials like ovens and dishwashers. Arizona homeowners can expect to pay between $19.99 and $91.66 a month in home warranty premiums.
Old Republic Home Protection is a standout in Arizona for its high HVAC replacement caps and unlimited refrigerant coverage — essential features for keeping cool in the desert.
Jump to insightArizona residents pay an average of $55.37 per month for a home warranty, with annual premiums ranging from $240 to $1,100 depending on the coverage plan.
Jump to insightBecause of the harsh desert climate, it’s smart to prioritize plans that offer generous replacement limits for HVAC systems and include refrigerant recapture and recharge.
Jump to insightOur research team vetted home warranty companies that are rated by hundreds of customers in Arizona. Read our guide to choose the best home warranty in Arizona for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
![]() Old Republic Home Protection | Learn More | 3.8
2,228 reviews
2,228 reviews
| Best overall | $50 | $100 or $125 |
![]() American Home Shield | Get a Quote | 3.6
110,889 reviews
110,889 reviews
| HVAC coverage | $29.99 | $100 or $125 |
![]() First American Home Warranty | Get a Quote | 4.1
8,984 reviews
8,984 reviews
| Claims handling | $47 | $100 or $125 |
![]() Regency Total Warranty | Learn More | 3.7
1,115 reviews
1,115 reviews
| Technicians | $44.99 | $60 to $100 |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Arizona on ConsumerAffairs.




The ConsumerAffairs Research Team evaluated home warranty providers available in Arizona using a structured scoring model. We assessed several metrics across five core areas, prioritizing what matters most to local residents.
Arizona’s hot, humid weather makes HVAC issues more common and urgent. We scored companies with high annual caps for HVAC ($5,000 or higher) and unlimited refrigerant coverage much higher than those with lower caps ($3,000 or lower) and caps on refrigerant of $10 to $20 per pound.
Reviews from real customers in Arizona are worth more than a company’s nationwide reputation. If a company has a poor technician network locally or frequently denies Arizona homeowners’ most frequent complaints, we capture that in our review analysis.
To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Arizona. We also considered the lowest service fees each company offers.
To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Companies earned a 0 to 10 score for every metric:
This standardized system lets us compare local satisfaction data, pricing and plan features on the same scale.
Award categories apply different weightings depending on what the designation highlights. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
The company with the highest weighted score in each category earned the corresponding “Our pick for” designation. If a company ranked first in multiple categories, we awarded the designation to the next-highest scoring company in that category to highlight a broader group of top performers.
Jump into our guides and start learning
Arizona's extreme desert heat drives intense air conditioning demand. The state has newer suburban construction alongside older rural homes. Dust and heat accelerate appliance failure and strain electrical systems. We'll help you find coverage that protects against Arizona's specific challenges.
Arizona homeowners should look for a plan with high HVAC payout limits to ensure an expensive breakdown is fully covered.
Jump to insightArizona home warranty plans cost $35 to $90 per month on average.
Jump to insightCosmetic issues like scratches or dents are excluded from most home warranty plans.
Jump to insightAn Arizona home warranty costs $55.37 per month on average. Home warranty premiums generally range from $19.99 to $91.66 per month, depending on the plan. The average cost of a home warranty in Arizona is 18.2% lower than the national average.
We received quotes for each of our top picks in Arizona for a three-bed, two-bath home in Phoenix.
| Provider | Monthly premium range* | Service call fee |
![]() | $50 to $80 | $100 or $125 |
![]() | $19.99 to $79.99 | $100 or $125 |
![]() | $37.20 to $77.20 | $100 or $125 |
![]() | $54.45 to $94.45 | $60 to $100 |
![]() | $50 to $80 | $100 or $125 |
![]() | $19.99 to $79.99 | $100 or $125 |
![]() | $37.20 to $77.20 | $100 or $125 |
![]() | $44.99 to $49.99 | $60 to $100 |
*Data updated January 2026
Most companies let you pay monthly or annually. Monthly payments make costs predictable, while annual payments often offer a discount. Your rate will depend on the provider and the plan’s level of coverage.
It can cost $130 to $530 to repair your HVAC system and up to $5,000 to replace it, making strong warranty coverage especially valuable in Arizona’s extreme climate.
Every time you submit a claim, you’ll pay a service call fee — similar to a deductible per claim. Fees typically range from $75 to $150 per visit, depending on the company and plan.
Customizing your plan with add-ons (like pool, spa or well pump protection) usually costs between $2 and $25 extra per month per add-on.
Your price can change based on:
Example: total annual home warranty costs
- Appliances and cooling plan ($45 per month): $540 per year
- Add-on for pool equipment ($18 per month): $216 per year
- Two claims ($80 service fee): $160
- Total: $916 per year
Arizona’s extreme heat puts constant strain on air conditioning systems, making high HVAC coverage limits and refrigerant protection essential in a home warranty plan. Cooling systems are not optional — they are essential for safety, comfort and daily living in extreme heat.
Triple-digit temperatures put constant strain on air conditioning systems, forcing them to run for long stretches and increasing the likelihood of breakdowns. Desert conditions add another layer of wear, with dust, debris and dry air accelerating component failure and reducing system efficiency.
Because repairs and replacements can be costly and urgent, strong HVAC coverage with high payout limits and refrigerant protection is critical for Arizona homeowners.
To choose a home warranty in Arizona, begin by identifying what needs protection, compare plan options and review real customer feedback to gauge reliability. Use these steps to find a plan that fits your property and lifestyle:
Figure out if you want to protect just appliances, home systems or a comprehensive combo plan. If your AC, plumbing and electrical systems are newer but you have older appliances, consider appliance-only plans. For those with newer appliances but older systems, a systems-only plan might be best.
Arizona has many newer developments alongside older rural properties. If you live in a newer home in the Phoenix or Tucson suburbs, your appliances might already be covered by manufacturer’s warranties. Older rural homes may benefit from systems coverage.
Don’t just look at the monthly premium. Instead, factor in service fees — typically between $75 and $150 per call — since costs can add up if you file multiple claims. Bethann from Mesa reported, “I've already paid my $100 service fee plus my monthly fee. Could have just called any plumber who clears drains for 79 bucks.”
Review plan payout caps and what percentage of repairs or replacements are covered. Consider the cost of optional add-ons, such as pool or roof leak coverage, since these will impact your annual spend.
Most providers make sample contracts available online. Read carefully for exclusions like preexisting issues, cosmetic problems and improper installation.
Check for waiting periods, how to file claims, parts and labor limits and whether there are cancellation fees. For example, Patrick from Black Canyon was hit with surprise cancellation fees. The company said he “would have to pay a prorate charge and cancellation fee. … He said It was costing me $500 for cancelling.”
When reviewing contracts, verify AC coverage is robust with reasonable limits — Phoenix-area summer AC claims are extremely common. Check whether pool and spa equipment can be added, and ensure electrical system coverage is comprehensive.
Summer claim timelines can be longer during Arizona’s peak summer months. Expect longer wait times for service, scheduling and parts.
Customer feedback offers a real-world look at the claims process, contractor punctuality and billing transparency.
Look for Arizona reviews mentioning AC claims and summer response times. Pay attention to whether providers had delayed services during peak summer months. Pool owners should check reviews for pool equipment claim experiences.
Positive reviews often mention easy claims and helpful service, while negative reviews may point to slow repairs or unexpected costs.
Home warranty plans in Arizona generally include three coverage types: appliance coverage, systems coverage and combo (combination) plans.
You can often add extra items for an additional monthly fee. In Arizona, consider add-ons for pool and spa equipment, well pump protection in rural areas and roof reinforcement against intense sun damage.
Key takeaway: Easy online claims reduce stress and keep repairs moving
Key takeaway: Online claim works, but limited options can slow you down
Key takeaway: Even small repairs can take weeks from claim to fix
What you save depends on the repairs or replacements you actually need. One major covered incident can easily justify the plan’s cost.
The Consumer Financial Protection Bureau recommends putting aside 1% to 3% of your home’s value each year for maintenance and repairs, which is usually higher than the $700 to $1,200 you might spend on a home warranty and a couple of service fees. If you avoid just one big repair, you could save thousands.
Arizona's brutal summer heat creates predictable failure patterns for AC systems. Dust and heat accelerate appliance breakdown. Electrical systems face constant strain from cooling demands. Here's what typical repairs cost in Arizona without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Dishwasher | $150 to $300 | $400 to $1,200+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
A home warranty is a type of service agreement that covers home systems and appliances. You pay a fixed monthly or yearly fee and a service fee for each visit. When a covered item breaks, you file a claim and the provider sends a contractor to diagnose and fix the problem. If the item can’t be repaired, the warranty helps cover the cost to replace it.
The exact protection and limits are set by your selected plan.
A home warranty can be a smart investment if you want to avoid unexpected repair or replacement expenses. Many Arizona homeowners value the peace of mind, especially during the hot summer months when ACs are pushed hard and often break.
A home warranty is worthwhile in Arizona if you own an AC-dependent home or an older rural property. A summer AC failure can cost $3,000-$5,000 to replace. Most Phoenix-area homeowners will file at least one cooling claim annually.
Most home warranty plans do not include preexisting problems, cosmetic issues, improper installation or items still under the manufacturer’s warranty.
Limits may also apply — for example, your contract might only pay up to a certain amount for an HVAC repair, and you would pay the rest. Routine maintenance, landscaping and structural repairs like walls or windows are generally excluded.
Some plans limit AC replacement to older used units rather than new systems. Pool and spa equipment is typically excluded from standard plans.
In a real estate transaction, the seller typically pays for the home warranty if it's offered as part of the contract. However, if no warranty is offered by the seller, it's up to the buyer to purchase the coverage they want.
If you’re already a homeowner, you’d typically pay for your own coverage too.
While a home warranty and homeowners insurance may cover some of the same items, they’re meant to be used in different situations. It comes down to the events they cover:
Most Arizona homeowners pay about $55 per month on average, with plans typically ranging from about $19.99 to $91.66 depending on coverage level, home size and add-ons.
Service fees in Arizona usually range from $75 to $150 per visit. Plans with lower monthly premiums often come with higher service fees and vice versa.
Some home warranty companies allow you to choose your own licensed contractor, but many require you to use their approved network. Always check your contract for rules on outside technicians and pre-approval requirements.
Claim timelines vary, but many companies assign a technician within 24 to 72 hours. During peak summer months, high demand for AC repairs can extend wait times for scheduling and completion.
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
Old Republic Home Protection
| 3.8
2,228 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
American Home Shield
| 3.6
110,889 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
First American Home Warranty
| 4.1
8,984 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
Regency Total Warranty
| 3.7
1,115 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Prestige Home Guard
| 4.6
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Liberty Home Guard
| 4.5
1,703 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.4
572 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.5
2,888 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Choice Home Warranty
| 4.0
75,399 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
Cinch Home Services
| 4.2
12,418 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
Select Home Warranty
| 4.0
16,482 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
HomeServe
| 1.6
2,104 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
657 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Elevate Homescriptions
| 1.7
12 reviews
| Serves counties in Arizona and Utah. Includes home repairs, maintenance, preventive care services and warranty protection. 24/7 emergency response and responds within two minutes on the app. $75 deductible. | Read reviews |
GE Service Contracts
| 1.3
349 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,961 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
America's Preferred Home Warranty
| 1.4
14 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
455 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.2
6,755 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,039 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
Fidelity National Home Warranty
| 1.2
348 reviews
| Fidelity National Home Warranty provides home warranties for single-family and multi-family homes. The service fee is $95 and work is guaranteed for 30 days. Service providers are called within three business hours of the claim. | Read reviews |
The Home Service Club
| 1.2
819 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
OneGuard Home Warranties
| 1.0
876 reviews
| Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state, but expect to pay from $32 per month to $59 per month. Deductibles are $69. Some home maintenance services included. | Read reviews |
Landmark Home Warranty
| 1.1
2,020 reviews
| Offers plans in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary, but expect to pay around $61.25 per month for a combo plan. Deductibles are $70 or $100. Pest control, re-key and termite coverage included. | Read reviews |
AFC Home Warranty
| 1.0
2,280 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Frontdoor
| 1.0
27 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Dwellness Home Warranty
| 5.0
View profile
| Over 36 years serving homeowners with in-house technicians. Licensed professionals in HVAC, plumbing and electrical services. High claim approval rates. Local managers handle accounts. Reports round-the-clock call center. | Read reviews |
Acclaimed Home Warranty
| 1.0
View profile
| Operates in Arizona, Idaho, Nevada, Texas, and Utah. Covers unknown preexisting conditions. Covers seasonal tune-ups. Appliances like washers, dryers and refrigerators require add-on coverage. $1,500 overall coverage limit. | Read reviews |
BFS Home Warranty
| 1.0
View profile
| In business for over 40 years. Provides home warranties in Arizona, Florida, Nevada and Texas. 18 local service centers. Provides service technicians for service calls. Starting prices range from $270 to $950 per year. | Read reviews |
HomeGuard HomeWarranty
| 1.0
View profile
| Serves California, Nevada and Arizona. Five plans to choose from, with costs ranging between $390 to $815 for one year and $715 to $1,525 for two years. Covers roof leaks. Offers a 30-day money-back guarantee. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Platinum Home Warranty
| 1.0
View profile
| Services the Phoenix metropolitan area and its surrounding cities. Offers repairs and replacements for normal wear and tear with in-house technicians. Provides 24/7 emergency response and personal follow-ups. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
AHW Home Warranty
| 1.0
385 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |