Best overall
Old Republic Home Protection
4.0
2,143 reviews
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best Home Warranty Companies in Arizona
- Best overall
Old Republic Home Protection4.0(2,143) - HVAC coverage
American Home Shield3.7(110,096) - Claims handling
First American Home Warranty4.0(8,919)
By:
Alina Bradford
+3 more
Best Home Warranty Companies in Arizona
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.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,839,963 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
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 4 home warranty company picks in Arizona
- Best overall: Old Republic Home Protection
- Best HVAC coverage: American Home Shield
- Best claims handling: First American Home Warranty
- Best technicians: Regency Total Warranty
Our 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.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Old Republic Home Protection | Learn More | 4.0
2,143 reviews
2,143 reviews
| Best overall | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
110,096 reviews
110,096 reviews
| HVAC coverage | $29.99 | $100 or $125 |
 First American Home Warranty | Get a Quote | 4.0
8,919 reviews
8,919 reviews
| Claims handling | $42 | $100 or $125 |
 Regency Total Warranty | Learn More | 3.9
1,077 reviews
1,077 reviews
| Technicians | $44.99 | $60 to $100 |
Our 4 Arizona home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Arizona on ConsumerAffairs.
Best HVAC coverage
American Home Shield
3.7
110,096 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best claims handling
First American Home Warranty
4.0
8,919 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best technicians
Regency Total Warranty
3.9
1,077 reviews
- Plans available
- EssentialGuard and TotalGuard
- Monthly premium range
- $44.99 to $49.99
- Service fees
- $60 to $100
- Labor guarantee
- Unclear
Home Warranties in Arizona Buyers Guide
Jump into our guides and start learning
In this guide
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 insightHow to choose a home warranty in Arizona
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:
1. Decide what coverage you need
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.
2. Compare costs
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.
3. Review sample contracts
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.
4. Read customer reviews
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.
How much does a home warranty cost in Arizona?
An 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.
Cost range by home warranty provider
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
Monthly or annual premiums
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.
Service call fees
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.
Add-on coverage
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.
Other home warranty cost factors
Your price can change based on:
- Home size and type: More coverage is needed for larger or multi-unit homes, so premiums are higher. Smaller condos usually cost less.
- Level of coverage: More affordable plans protect fewer items. Combo plans covering both appliances and systems generally cost more.
- Location: Arizona's extreme heat and newer suburban sprawl may affect warranty costs. Rural properties typically pay more than urban Phoenix or Tucson.
- Discounts: Many companies offer promotions or savings for longer contract terms.
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
What does an Arizona home warranty cover?
Home warranty plans in Arizona generally include three coverage types: appliance coverage, systems coverage and combo (combination) plans.
- Appliance plans typically protect refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans focus on major systems like heating, plumbing, electrical, water heaters and ductwork — essential for Arizona’s climate, where reliable AC is a must.
- Combo plans bundle both categories for broader protection. Coverage limits are also typically higher.
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.
Reviewers’ experience filing home warranty claims in Arizona
- Alan in Phoenix thinks filing a claim shouldn’t be a hassle. As he puts it, "To set up a claim is very easy online — no need to talk to anyone." He likes paying his monthly premium rather than letting the company line up the appointment with a repair person.
Key takeaway: Easy online claims reduce stress and keep repairs moving
- John in Glendale found that starting the claim was simple, but choosing the right category was more difficult. He shared, "I had to scroll over the choices several times, and select the one I felt was close to my problem, and hopefully the right technician will be sent."
Key takeaway: Online claim works, but limited options can slow you down
- Justin in Scottsdale expected a quick fix, but learned timelines can stretch fast. “Filing online, I waited about three days for someone to get scheduled. The technician couldn't make it for a week, and repairs took another week and a half after that.” For a dripping faucet, that meant nearly three weeks of waiting.
Key takeaway: Even small repairs can take weeks from claim to fix
How much can you save with an Arizona home warranty?
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.
Average repair/replacement costs for covered items
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 |
FAQ
How does a home warranty work?
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.
Is a home warranty worth it in Arizona?
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.
What does a home warranty not cover?
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.
Who typically pays for a home warranty?
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.
What’s the difference between a home warranty and homeowners insurance?
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:
- Home warranties cover the cost to repair or replace home appliances and systems that break down through normal wear and tear.
- Homeowners insurance covers loss or damage to your home or belongings caused by specific perils named in your policy. These usually include fires or vandalism.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Arizona, then evaluated which performed best for local residents.
Here’s how we scored each company:
- HVAC coverage and caps (40%): 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.
- Local satisfaction rate (35%): 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.
- Cost (10%): 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.
- National satisfaction rate (10%): 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:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): 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.
Note: Each superlative emphasizes certain factors more than others. 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.
Guide sources
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:
- Arizona State Legislature, “Title 20 - Insurance.” Accessed Jan. 24, 2026.
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Compare top Arizona home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Old Republic Home Protection
| 4.0
2,143 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
| 3.7
110,096 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
| 4.0
8,919 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
| 3.9
1,077 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
| 5.0
6 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
| 4.4
1,519 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
| 4.3
515 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
| 4.4
2,822 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 |
Cinch Home Services
| 4.2
12,338 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 |
Choice Home Warranty
| 4.0
74,211 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 |
Select Home Warranty
| 3.5
16,031 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 |
First Premier Home Warranty
| 1.9
635 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
| 1.9
9 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 |
HomeServe
| 1.6
2,076 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 |
GE Service Contracts
| 1.3
341 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
| 1.4
1,950 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
12 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
399 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
6,727 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 |
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 |
Home Warranty of America
| 1.1
4,030 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
| 1.0
339 reviews
| Provides multiple plan options in nine states for existing homes and new construction. Deductibles vary by state, but expect to pay around $75. Offers optional add-on coverage for special items, including roof leak repair. | 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 |
The Home Service Club
| 1.0
817 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
873 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 |
Frontdoor
| 1.2
25 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 |
AFC Home Warranty
| 1.0
2,279 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 |
AHW Home Warranty
| 1.0
384 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 |
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 |
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 |
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 |
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. | |
Complete Protection Home Warranty
| No reviews | 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. | |
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. |
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