Best Home Warranties in Georgia

How much does a home warranty cost in Georgia?

In Georgia, you can expect to pay anywhere from $30 to $90 per month for a home warranty, based on quotes we received from 22 companies. These quotes do not include any discounts or add-ons, though.

Your cost will mostly depend on the policy and company you choose and, potentially, what service fee you’re willing to pay. If you have the option to choose a higher service fee, you’ll usually pay a lower monthly rate.

How to choose a home warranty in Georgia

When researching home warranty companies, it’s important to check what’s covered and to what extent. It’s likely you’ll want coverage for your cooling system so you can stay comfortable during Georgia’s long, hot summers (especially if you live somewhere like Savannah).

Pool coverage is almost always an add-on option if it’s available.

Many home warranty plans cover air conditioners, but they may cap their costs at a certain amount. If your plan only covers up to $2,500, but the replacement costs $5,000, you’ll have to pay half out of pocket. Make sure to check your contract for coverage limits and exclusions before you sign.

Another factor to consider is what type of add-on coverages you might need. If you have a pool, it may be wise to pay extra to cover it. Some companies also offer pest control as part of a home warranty, which can help if you’re in an area with a lot of bugs.

To find a plan that makes sense for your situation, consider where you’re located in Georgia, what types of risks your home faces and how much you can afford.

» MORE: Does a home warranty cover pest control?

What Georgians say about home warranties

When Georgia homeowners talk about their real-life warranty experiences, several common themes emerge. Consider the following in reviews of home warranty companies you’re considering:

• Speed of service: Michael in Woodstock had a great experience — “The contractors have all been very professional. The tech was out within a day for the air conditioner, which is very unusual.”
• Scheduling and follow-through: “I submitted a service request, received a number for tracking, and received a call from the servicing company the very next day. ... The scheduler called me back the same day asking if I would be available for the tech to come out the same day to complete the work,” Tammi in Covington said about her experience.
• Convenience: Evelyn in Duluth was pleased with the company she worked with — she said the “vendor was able to accommodate my time constraints. I was able to continue with my plans. Service was timely and courteous!”

Home warranty regulations in Georgia

Georgia has limited rules in place for home warranties. First, a home warranty needs to have insurance or financial backing. This rule is common throughout the U.S.

Home warranties from companies with surety insurance policies of more than $100,000 are carved out of the state’s insurance regulations in the Georgia Code, but there don’t appear to be any other specific regulations for them.

According to a representative from the Georgia Office of the Insurance and Safety Fire Commissioner (OCI), authority over home warranties is split between different parts of the state government, with OCI verifying whether providers meet the above standards in the Georgia Code.

OCI also handles all consumer complaints related to home warranties, so you can call or file a report with its Consumer Services Division online if you have an issue with a home warranty company in Georgia.

Are there regulations for new construction?

For new homes, contractors in the state are required to provide a written warranty on any work that costs more than $2,500. That means a recently built home may already have some form of warranty coverage that you should account for if you’re shopping for a home warranty.

» COMPARE: Best home warranty for new construction

If you have an issue with a homebuilders warranty, refer to the state attorney general’s office for more information.