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Best Home Warranties in Florida

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    by Taylor Sansano Contributing Writer

    Our research team vetted 16 home warranty companies that are rated by more than 3,528 customers in Florida. Read our guide to choose the best home warranty in Florida for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,481,218 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.

    Key insights

    • Our top picks include Choice Home Warranty, American Home Shield, Select Home Warranty and America’s 1st Choice Home Club.
    • To find the best home warranty in Florida for you, seriously consider coverage for your air conditioning and protection against corrosion.
    • A home warranty in Florida typically costs $40 to $70 per month, based on quotes from our top picks.

    Compare Top Florida Home Warranty Companies

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      Our 4 Florida home warranty picks

      Here are our favorite home warranty companies in Florida, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in Florida on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Florida, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Our top pick overallChoice Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      Choice Home Warranty has covered more than 1 million homeowners nationwide and handled more than 4 million service requests. At the time of publishing, its plans all include one free month of service plus access to a network of over 15,000 contractors.

      We’ve compared this company’s plans based on select coverage items below.

      Basic planTotal plan
      Monthly premium cost*$49.17$57.50
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$49.17$57.50Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$49.17$57.50Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Miami at the time of publishing

      Reviews for Choice Home Warranty in Florida are very positive, earning the company our top overall pick.

      Josef from Tampa wrote in his review that "this is the best, hands down, home warranty company we have had yet. From quality contractors to professional quick follow up with CHW, we have been very pleased. All contractors are able to seem to find that one little thing that saves the day."

      “Very good experience for very first service call. The appointment was set up quickly for two days out,” wrote Eliot from Delray Beach. "The technician came when scheduled and took care of the issue right away. Very friendly and professional. Will recommend to friends and family.”

      Our pick for quality techniciansAmerican Home ShieldAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield serves its more than 2 million members with home warranty plans that cover up to 23 major home systems and appliances. You also have the option to customize your service fee and monthly premium to fit your budget. All repairs can be booked through its online portal and are backed by a 30-day workmanship guarantee.

      We’ve compared this company’s plans based on select coverage items below.

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$29.99 to $44.99$39.99 to $54.99$59.99 to $74.99
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$29.99 to $44.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$39.99 to $54.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$59.99 to $74.99$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in Miami at the time of publishing

      American Home Shield reviews from Florida residents are generally positive, with the company’s technicians receiving frequent praise even when multiple visits were required to fully fix a problem.

      Shirley from Lake Placid wrote, “My experience so far with American Home Shield has been very good. Whenever I've had an issue with something at my house, someone has always came out and taken care of it, so I'm very pleased with them. … Their demeanor was good. They were very helpful and their explanations were on point.”

      Trecia from Hialeah appreciated the punctuality of the technicians and the value of the plan, writing, “The techs came out on the same day that they called and scheduled the service. They gave me a timeframe and they got there on the early part of the timeframe. ... The techs were very efficient and they had really great customer service. They did what they needed to do. After we paid the fee to AHS, we didn't have to pay anything to the technician. But if we had to pay for that out of pocket, we would have had a bigger expense than just a $100-deposit thing that we had to do.”

      Our pick for low service feesSelect Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      Select Home Warranty sells home warranty policies for traditional single-family homes as well as rental properties, condos and multifamily units. Each plan includes coverage for properly maintained appliances from any manufacturer. All claims can be submitted online or by phone, and you are eligible for an unlimited number of covered repairs throughout the year.

      We’ve compared this company’s plans based on select coverage items below.

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$60.42$60.42$65.83
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Miami at the time of publishing

      Select Home Warranty customers in Florida seem to be happy, giving the company positive reviews and praise. Reviewers frequently mention the value of their plans.

      “Very pleased with responses from customer service and coverage. Offers a great deal of coverage and options,” wrote E Renae from Lakeland. “Service deductible is fair and monthly expense is reasonable.”

      Alexandra from Riverview felt similarly, writing, “Great customer service and the products pricing is so good! ... If you have an issue the 60.00 call fee is amazing and reasonable and worth referring others to purchase as well.”

      Our pick for customer serviceAmerica's 1st Choice Home ClubAUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: 1 or 3 years
      • Service fee range: $75, $100 or $125

      America’s 1st Choice Home Club offers home warranty plans that cover up to 24 major appliances and systems in your home. You can choose from one of its four plans and receive immediate service if you agree to a home inspection. All prices are locked in at the time of signing, meaning you won’t have to deal with price hikes year over year. If you need a repair, you can choose your own licensed, insured technician, and repairs are guaranteed as long as your plan is active.

      We’ve compared this company’s plans based on select coverage items below. The prices we’ve included are based on a 12-month payment plan for one year of coverage. If you choose a three-year contract, your monthly cost will be higher, but that’s because you have to make payments for 20 months of the 36 you’re covered for.

      Systems PlanSilver PlanGold PlanPlatinum Plan
      Monthly premium cost*$49.58 to $55.42$40.83 to $46.67$58.33 to $64.17$64.17 to $70
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwavesAdd-onAdd-onAdd-on
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Systems Plan$49.58 to $55.42$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Silver Plan$40.83 to $46.67$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Plan$58.33 to $64.17$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Plan$64.17 to $70$75, $100 or $125Add-onAdd-onAdd-onAdd-on

      *For a home in Miami at the time of publishing

      Reviews for America’s 1st Choice Home Club from Floridians are largely positive, mentioning the company’s customer service and long-term contract options.

      Irene from Brandon wrote, “I checked around and AFC is the best choice. Their customer service is second to none. I had originally signed up with another company. … I canceled immediately, did more research and chose AFC. They were very efficient in processing my claim. Very happy with AFC, I have recommended them to my friends and family.”

      “Price was reasonable and excluded what did not apply to me so I could add an option,” wrote Hanief from Palm Bay. “Excellent customer service, so I could sign up easily. Hope to get excellent service. The 3 year platinum plan has the best discount.” However, he did express reluctance that the plan did not include roof coverage.

      Advice on buying a home warranty in Florida

      miami florida skyline

      Florida’s warm climate and easy access to the ocean appeal to many people. However, these benefits can also wreak havoc on your home, whether you live in a single-family house in Jacksonville or a beachside condo in Sarasota.

      During the heat of the Florida summer, having a working air conditioning unit is often crucial to staying happy, healthy and comfortable. However, AC units in Florida can take a beating trying to keep your home cool, leading to premature failure.

      … having a working air conditioning unit is crucial to staying happy, healthy and comfortable.”

      Most home warranty providers in Florida offer some sort of coverage for HVAC or air conditioning units, but exactly what’s included can vary from company to company. Make sure you choose one that will keep your home and budget comfortable all year round.

      If you live on the coast, you should also consider the effects that salty ocean air can have on your home. Salt can cause metallic surfaces and components to erode faster, leading to expensive repairs down the road. You may have to comb through your warranty provider’s sample contract, but check to see if repairs due to rust and corrosion are covered.

      Home warranty regulations in Florida

      The Sunshine State has pretty strict regulations when it comes to home warranty companies, outlining specific requirements that some states overlook. As a result, there are plenty of resources for making a smart purchase in Florida, but it’s important that you read your contract and know what to look for so you can make use of them.

      For example, if a company in Florida offers HVAC repairs or replacements but has certain internal exclusions for compatibility purposes, the company must outline those in their contracts. These details might be tempting to skim over, but they’re almost always put there for your benefit.

      Here are a few other regulations related to home warranty contracts in Florida:

      • Cancellation: All home warranty companies in Florida must have some sort of cancellation policy, and if you cancel your plan within 10 days of purchase, you must receive a 100% refund. If you cancel after 10 days, you must receive a refund based on 90% of your unearned prorated premiums, minus any paid claims.
      • Exclusions: All home warranty contracts in Florida must disclose any exclusions, restrictions or limitations on the benefits offered or the coverage provided by the home warranty contract in boldfaced type.
      • Renewal premiums: A renewal premium cannot exceed the then-current cost for a new warranty contract from the company unless the increase is supported by your claims history. Companies also cannot impose a fee for inspection of your premises when it comes time to renew.
      • Rust or corrosion: Home warranty companies aren’t allowed to exclude coverage for an item that has rust or corrosion, as long as the rust or corrosion wasn’t a contributing cause of the mechanical breakdown or failure. (Note that this doesn’t apply to corrosion-related failures as mentioned above.)

      Any person who solicits or sells home warranties in Florida or from Florida must have a license through the Division of Consumer Services. According to state law, this department has pretty broad regulatory oversight and can penalize or bar a company for many reasons. You can use its site to check a company’s licensure status or file a grievance with a warranty provider.

      Florida home warranty FAQ

      Based on quotes from our top picks, Florida home warranties cost $40 to $70 per month on average. Your rate will depend on what type of coverage you choose to get and the company you choose.

      Savings may also be available. We didn’t include temporary promotions in the quotes from our top picks, but these can be a significant factor when comparing your specific costs.

      Sometimes. If you need multiple repairs or one expensive fix, a home warranty can pay for itself easily. However, if you don’t need anything repaired or replaced while you’re covered, a home warranty won’t provide much benefit.

      That being said, many homeowners find coverage worth the cost simply because of the peace of mind and financial stability it provides, helping them budget so that a repair bill won’t come at the wrong time.

      Homeowners insurance is a type of insurance policy that is required by nearly all mortgage lenders in Florida. It protects you financially in case of a disaster, accident, theft or lawsuit.

      A home warranty is an optional service contract that covers the cost of repairing or replacing a home system or appliance, like a refrigerator or air conditioner. While some of these items may also be covered by your homeowners insurance, that coverage is only applicable in certain situations. Notably, a home system that breaks down from regular use could be covered by a home warranty but not homeowners insurance.

      Bottom line

      Florida homeowners have a lot of options when it comes to buying a home warranty policy. In order to make sure you’re buying the right plan for your situation and budget, it’s important that you do some research at the beginning of the process and weigh your options throughout. If you’re looking for more information, check out our answers to more frequently asked home warranty questions on our buyers guide, our home warranty cost resource and our warranty coverage resource.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Online Sunshine, “2021 Florida Statutes.” Accessed November 14, 2021.

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        Compare Top Florida Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

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