Best overall
Regency Total Warranty
4.1
1,018 reviews
- Plans available
- EssentialGuard and TotalGuard
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best Home Warranties in Florida
- Best overall
Regency Total Warranty4.1(1,018) - Claims handling
Old Republic Home Protection3.9(2,084) - Value
American Home Shield3.7(109,263)
By:
Taylor Sansano
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in Florida
Based on verified reviews from local homeowners, Regency Total Warranty is the best home warranty company in Florida. Old Republic Home Protection is a good choice if you want hassle-free claims. First American Home Warranty stands out for fast response times.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,808,736 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.
Our 5 home warranty company picks in Florida
- Best overall: Regency Total Warranty
- Best claims handling: Old Republic Home Protection
- Best value: American Home Shield
- Best technicians: Choice Home Warranty
- Best for quick service: First American Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Florida. Read our guide to choose the best home warranty in Florida 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) | |
|---|---|---|---|---|---|
 Regency Total Warranty | Learn More | 4.1
1,018 reviews
1,018 reviews
| Best overall | $44.99 | $60 to $100 |
 Old Republic Home Protection | Learn More | 3.9
2,084 reviews
2,084 reviews
| Claims handling | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
109,263 reviews
109,263 reviews
| Value | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
73,414 reviews
73,414 reviews
| Technicians | $46.83 | $100 |
 First American Home Warranty | Get a Quote | 4.1
8,886 reviews
8,886 reviews
| Quick service | $42 | $100 or $125 |
Our 5 Florida home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Florida on ConsumerAffairs.
Best claims handling
Old Republic Home Protection
3.9
2,084 reviews
- Plans available
- Basic, Deluxe and Elite
- Service fees
- $100 or $125
- Starting costs
- $50
- Labor guarantee
- None specified
Best value
American Home Shield
3.7
109,263 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best technicians
Choice Home Warranty
4.0
73,414 reviews
- Plans available
- Basic and Total
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best for quick service
First American Home Warranty
4.1
8,886 reviews
- Plans available
- Starter, Essential and Premium
- Service fees
- $100 or $125
- Starting costs
- $42
- Labor guarantee
- None specified
Best home warranty companies by city
Home Warranties in Florida Buyers Guide
Jump into our guides and start learning
In this guide
Florida homeowners have a lot of options for warranty coverage. In order to make sure you’re buying the right plan for your situation and budget, it’s important to do some research and weigh your options.
If you’re looking for more information, check out our answers to more frequently asked questions in our home warranty buyers guide and our piece on warranty coverage.
You can expect to pay $30 to $90 per month for a home warranty policy, though your total cost depends on coverage type, your exact location and the company you choose.
Jump to insightFor many Floridians, it’s smart to prioritize AC and pool coverage. You might also consider protection against salt air corrosion if you’re on the coast.
Jump to insightFlorida home warranty reviewers report generally prompt service and skilled technicians, but some mention service delays and communication issues.
Jump to insightFlorida has strong regulations for home warranty companies, including specific rules regarding licensing, cancellation, exclusions, renewal premiums and coverage for rust or corrosion.
Jump to insight
How much does a home warranty cost in Florida?
Based on quotes we received from 22 national companies, home warranties cost $30 to $90 per month on average. Your rate will depend on what type of coverage you want, where in Florida you live and the company you choose.
Savings may also be available. We didn’t include temporary promotions in the starting costs for our top picks, but these can be a significant factor when comparing coverage.
» MORE: Home warranty costs
How to find the best home warranty in Florida
Florida’s warm climate and easy access to the ocean appeal to many, but air conditioning is often crucial to keeping locals happy, healthy and comfortable in the summer. Unfortunately, AC units in Florida can take a beating trying to keep your home cool, leading to premature failure.
Most home warranty providers in Florida offer some sort of coverage for HVAC or AC units, but exactly what’s included can vary by company. Make sure you choose one that will keep your home — and your wallet — comfortable all year round.
The speed of response times is also important to consider. For example, Chakita in Jacksonville told us about their experience with an AC failure: “It was very hot. So, I was very nervous. I have two kids. So, I was like, ‘Oh, my God. We're gonna be burned up in this house. So, I'm gonna have to go to a hotel.’” Luckily for Chakita, the day after filing a claim, “a technician came out.”
On the flip side, a long wait time can be brutal in Florida’s heat. That’s what Diana in Saint Cloud experienced: “It took 4 days to have my appointment for broken air-conditioning. I live in Florida. I'm 75 and have a small dog. We don't do well in high heat.”
If you live on the coast, you should also consider the effects 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.
What Floridians say about home warranties
Many reviewers from Florida seem happy with the prompt service and skilled techs their home warranties provided. Several do mention delays in service, though, as well as communication issues with reps.
One common theme in Florida warranty reviews: pool coverage. If you have a pool, it’s probably a good idea to ensure it’s covered by any warranty you’re considering.
Home warranty regulations in Florida
The Sunshine State has pretty strict regulations when it comes to home warranty companies, outlining specific requirements some states overlook. As a result, there are plenty of resources for making a smart purchase in Florida, but it’s important to 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 its contracts. These details might be tempting to skim over, but they’re almost always 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 bold text.
- 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.
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.
FAQ
Is a home warranty worth it in Florida?
A home warranty may be worth it in Florida. 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.
How does a home warranty work?
A home warranty is a service contract that helps cover the cost to repair or replace your home’s major systems and appliances. You pay a monthly or annual premium for coverage. When something breaks, you file a claim and pay a service fee, and the company sends a contractor to fix the problem.
If the item can’t be repaired, the provider helps pay for a replacement. Coverage and payout limits depend on your plan.
What does a home warranty not cover?
Most home warranty plans don’t cover items with preexisting issues, improper installation, cosmetic flaws or appliances that still have a manufacturer’s warranty. Routine maintenance and things like landscaping or structural repairs aren’t included.
Most standard home warranties in Florida will deny your AC claim when the technician reports the outdoor unit's coils have been destroyed by salt air, citing a corrosion exclusion clause.
Plans also have maximum coverage limits. If your repair costs more than the payout limit for an item, you pay the difference.
What is the difference between a home warranty and homeowners insurance?
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.
Are home warranties transferable?
Yes, in many cases, a seller can transfer an existing home warranty to the person buying their home. This type of coverage can actually be a nice bonus for buyers.
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 Florida, then evaluated which performed best for local residents.
We prioritized real customer experiences in Florida but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
In addition to reviews, we compared the companies on:
- Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
- Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
- Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
- Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
- Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
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:
- Online Sunshine, “The 2024 Florida Statutes (including 2025 Special Session C).” Accessed Oct. 1, 2025.
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Compare Top Florida Home Warranty Companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Regency Total Warranty
| 4.1
1,018 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 |
|
Old Republic Home Protection
| 3.9
2,084 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
109,263 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 |
|
Choice Home Warranty
| 4.0
73,414 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 |
|
First American Home Warranty
| 4.1
8,886 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 |
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
1,422 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 |
ARW Home
| 4.3
2,772 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
| 4.1
12,243 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. | Get a Quote |
HomeSafe
| 4.2
457 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 |
Select Home Warranty
| 3.6
15,983 reviews
| Appliance, system and combination plans available. Plans start at around $45 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
| 1.8
627 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 |
HomeServe
| 1.5
2,044 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 |
ServicePlus Home Warranty
| 1.3
1,948 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 |
GE Service Contracts
| 1.3
331 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 |
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
365 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 |
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
4,025 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 |
2-10 Home Buyers Warranty
| 1.1
6,706 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
The Home Service Club
| 1.0
816 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 |
Frontdoor
| 1.2
24 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
2,277 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 |
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 |
American Home Protect
| 1.0
133 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 |
Home Warranty Inc
| 1.0
17 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | 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 |
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 |
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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