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Best Home Warranties in Florida

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      Author picture
      Written by Taylor Sansano
      Edited by Vincent Landino

      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.
      • 3,769,237 reviews on ConsumerAffairs are verified.
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      • 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 American Home Shield, Choice Home Warranty, Select Home Warranty and Liberty Home Guard.
      • 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 overallAmerican 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

        Reviews for American Home Shield from Florida residents are overwhelmingly positive, giving it the highest ratio of 5-star to 1-star reviews of any of our top picks.

        Doug from Kissimmee told us, “I'm loving AHS 'cause I'm not too much of a handyman myself. I can fix some things, but some things, I can't fix myself. So, if something breaks, it's nice to have. The freezer was not as cold anymore as it used to be. The techs got me what I needed. … It was a smooth process.”

        “Since I've had AHS, I've had a number of issues and it's worth the price you pay on a monthly basis,” wrote Zoe from Miami. “I've recommended it to other people also and they've been pleased. It's been a good experience. I've been pleased with timeliness and the professionalism that they've displayed.”

        Our pick for quality techniciansChoice 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. Customers get access to a network of over 15,000 contractors, and your appliances and systems are eligible for coverage as long as they’re in good condition and well maintained.

        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, and Floridians frequently compliment the company’s network of technicians.

        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 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 fast serviceLiberty Home GuardAUTHORIZED PARTNER
        • Number of plans: 3
        • Contract length: Up to 5 years
        • Service fee range: $125

        Liberty Home Guard has over 10,000 technicians in its contractor network, and it backs their work with a 60-day workmanship warranty. You can submit a claim online or over the phone, and LHG has a technician on-site for most claims within 24 to 48 hours.

        We’ve compared this company’s plans based on select coverage items below. The price quotes we included below don’t factor in temporary discounts or promotions, but LHG does sometimes offer significant savings from its standard prices.

        Appliance GuardSystems GuardTotal Home Guard
        Monthly premium cost*$69.99$74.99$79.99
        Service call fee*$125$125$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-onAdd-on
        Second refrigeratorAdd-onAdd-onAdd-on
        Septic pumpAdd-onAdd-onAdd-on
        Stand-alone freezerAdd-onAdd-onAdd-on
        Well pumpAdd-onAdd-onAdd-on
        Appliance Guard$69.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
        Systems Guard$74.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
        Total Home Guard$79.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

        *For a home in Miami at the time of publishing

        Reviews for Liberty Home Guard in Florida are largely positive, with frequent praise for how fast the company sends out its technicians.

        “I would highly recommend Liberty Home Guard for their home warranty,” wrote Caitlin from Homestead. “They usually set up an appointment to take care of my problem within 24 hours and make every effort to resolve my issue as timely as they can. Replaced my built-in microwave after determining that the part was significantly back-ordered. Thank you, for the past 6 years of service.”

        Kendra from Daytona Beach told us, “ I reached out last week as my fridge was leaking, the repairman was at my place the next day. He took care of the problem in 40 minutes, cleaned the area, and profoundly explained what went wrong. I am loyal to Liberty and will keep renewing my warranty policy.”

        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 its contract. 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 boldface 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

        How much does a home warranty cost in Florida?
        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 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.

        Is a home warranty worth it in Florida?
        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.

        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.

        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 home warranty coverage resource.

        Guide sources

        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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