Best Home Warranties in Cleveland, OH

Finding the right home warranty in Cleveland starts with understanding your home’s unique risks. Use these steps to ensure you get the right plan:

1. Decide what coverage you need

Consider which items in your home are most likely to fail and which would be most expensive to repair out of pocket. If you have an older furnace or a finished basement, prioritize plans that offer high payout limits for heating and sump pump coverage. If your appliances are aging, ensure the plan includes refrigerator, washer and dryer protection.

Cleveland’s long winters, frequent lake-effect snow, and older housing stock make systems like furnaces, sump pumps and water heaters especially vulnerable. If your home is in an older neighborhood like Lakewood or Cleveland Heights, aging infrastructure increases the odds you'll need coverage for plumbing or electrical systems as well.

Select a plan with the highest possible payout for your furnace, specifically checking for coverage on expensive components like the heat exchanger

2. Compare costs

Don’t just focus on the lowest monthly premium. Review what’s included for the price, how much you’ll pay per service visit and what add-ons cost. Be sure to check the fine print on coverage caps and investigate the cost of important add-ons like sump pump or roof leak protection.

Remember, in Cleveland, paying a little more for thorough furnace protection is a smart move — a cheap plan with low caps could leave you exposed if your system fails in the dead of winter. The financial and safety risk of being without heat in a January blizzard is too great to rely on a cheap, limited plan.

In neighborhoods like Shaker Heights and Old Brooklyn, where many homes were built before 1950, heating and electrical systems often require more frequent repairs — making plans with generous caps a safer bet.

3. Review sample contracts

Contracts spell out exactly what’s covered, what’s excluded and how claims are handled. Before you buy, study the heating system section closely. Make sure you know the maintenance requirements and what limits apply to frozen pipes and sump pumps. This will help prevent surprises if you ever need to file a claim.

Alma from Cleveland Heights said she’s had a positive experience with her AHS warranty, but reminds customers that "remembering to scrutinize the fine print is vital; knowing what’s covered can prevent surprises.”

If you live in flood-prone areas near the Cuyahoga River or low-lying parts of Parma, be aware that home warranties won’t help you from damage caused by floodwater. That’s what homeowners' insurance or flood insurance is for.

4. Read customer reviews

Real reviews from Cleveland and other Ohio homeowners will give you a sense of how each company delivers on its promises. Pay special attention to stories about furnace emergencies and winter repairs. Fast response times and clear communication are especially important in our climate.

Search for reviews from other Clevelanders or residents of Great Lakes cities, and pay close attention to feedback about the quality and promptness of technicians. Cleveland resident Richard has had his warranty with AHS for eight years and said, “I’ve noticed the contractors have been knowledgeable and consistent in providing great service.”

Positive reviews can highlight hassle-free claims and strong customer support, while negative reviews might point out delays or unexpected denials.

» COMPARE: Best home warranties in the U.S.

Home warranty pricing in Cleveland generally ranges from $360 to $1,080 per year in premiums, depending on your plan and any add-ons you choose. Nationally, the average annual cost of a home warranty is $684 as of June 2025. Remember, your total cost is a combination of your premium, service fees and any optional coverage.

Cost range by home warranty provider

Monthly or annual premiums

Most companies offer both monthly and annual payment options. Paying annually can save you money, but monthly payments help spread out the cost.

Service call fees

Every claim you file comes with a set service fee (like a deductible) when a technician visits your home. Expect to pay between $75 and $150 per visit in Cleveland.

Add-on coverage

Optional coverage for items like sump pumps, roof leaks or pools typically costs a few dollars more per month.

Other home warranty cost factors

Home warranty pricing can vary for several reasons:

• Home size and type: Bigger homes often mean higher costs because they have more systems and appliances.
• Level of coverage: Plans that include both systems and appliances are more expensive but offer broader protection.
• Location: The high frequency of furnace claims, coupled with issues from snow and ice, can affect local pricing.
• Discounts: Look for seasonal promotions or savings for paying annually.

Example: total annual home warranty costs

• Comprehensive coverage ($60 per month): $720 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Three claims ($75 service fee): $225
• Total: $1,065 per year

Cleveland home warranty plans fall into three categories of coverage: appliance, systems and combo plans.

Appliance plans typically cover kitchen and laundry equipment, while systems plans focus on essentials like heating, plumbing and electrical. Combo plans deliver the most comprehensive protection and typically come with higher coverage caps.

Most providers let you tailor your coverage with add-ons. Sump pump coverage is a common add-on for Cleveland homes with basements. Roof leak protection is also a top priority to deal with heavy lake-effect snow.

» MORE: Can you get a home warranty on an older home?

A home warranty can deliver real savings in Cleveland. Even one major HVAC or plumbing breakdown can offset the cost of a year’s coverage.

The Consumer Financial Protection Bureau suggests budgeting 1% to 3% of your home’s value each year for repairs and maintenance. That’s often much more than the $700 to $1,200 you’ll spend on a warranty and a few service calls.

Average repair/replacement costs for covered items

In a city like Cleveland, where seasonal temperature extremes stress HVAC systems and hard water causes mineral buildup in water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Cleveland without a home warranty: