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Best Home Warranties in Georgia

We compared 35 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.0(1,039)
    • Claims handling
      Old Republic Home Protection
      3.9(2,120)
    • Quick service
      Cinch Home Services
      4.1(12,274)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Georgia

    Based on verified reviews from local homeowners, Regency Total Warranty is the best home warranty company in Georgia. Old Republic Home Protection is a good choice if you want hassle-free claims. Cinch Home Services stands out for fast response times.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,823,214 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 Georgia

    1. Best overall: Regency Total Warranty
    2. Best claims handling: Old Republic Home Protection
    3. Best for quick service: Cinch Home Services
    4. Best technicians: Choice Home Warranty
    5. Best value: American Home Shield

    Our research team vetted home warranty companies that are rated by hundreds of customers in Georgia. Read our guide to choose the best home warranty in Georgia 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 top Georgia home warranty companies

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Georgia on ConsumerAffairs.

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.0
    1,039 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out thanks to frequent praise for its claims process and customer service. It offers two comprehensive combination plans, EssentialGuard and TotalGuard, so Georgia homeowners can get both systems and appliances protected in a single policy.

    What to consider: Regency is a new home warranty company that has only been in business since 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection

    Georgia reviewers say that Regency delivers fast dispatch with same-day fixes, professional technicians who explain repairs and helpful reps who guide claims. However, some report claim denials without clear explanations.

    “Sunday morning our heating system stopped working, we went online and entered a repair claim, about a half hour later Regency Total Warranty rep Victor called us and shared the technician detail. In the afternoon the technician came and fixed the heating pump after few minutes.”
    David Fitzgerald, GA
    “We called Regency Total Warranty late at night. By the next morning, they had a vendor ready to resolve our issue. The recommended heating and conditioning provider swiftly resolved our issue. They were both professional and caring. All parts for repairing our breakdown were authorized without issue.”
    Kenneth Carnesville, GA
    “I called because the main level air conditioner was not working. I called Regency Total Warranty, and within an hour, a repairman had contacted me and arrived to do the repairs. He was nice and completed the repairs fast.”
    Charles Augusta, GA
    Best claims handling

    Old Republic Home Protection

    Old Republic Home Protection
    3.9
    2,120 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $50
    Labor guarantee
    None specified
    Read Reviews

    Old Republic Home Protection made our list due to its flexible policy options and strong customer feedback on claims resolution. All of OHRP’s policies are combination plans that automatically include both systems and appliances.

    What to consider: Price promotions are common, but your rates may go up after your first year of coverage.

    Pros
    • Clear pricing
    • Discounts available
    Cons
    • No guarantee of coverage if you choose your own contractor

    Old Republic plans start at $50 per month. All plans are combination plans, meaning coverage includes a selection of both appliances and systems rather than one or the other.

    Service fees are either $100 or $125 — you’ll have to decide if you’d rather pay a higher service fee and lower premiums each month or a lower service fee and higher monthly premiums. Contracts range from one to five years.

    • Basic: $50 a month (lower service fee) or $55 (higher fee). Coverage includes 22 basic systems and appliances.
    • Deluxe: $55 or $60, depending on your service fee. Coverage includes everything in the Basic plan plus six additional items.
    • Elite: $75 or $80 (varies by service fee). Coverage includes everything in the Deluxe plan, plus increased plumbing coverage.

    Add-ons and discounts

    • Optional add-ons
      • Second refrigerator: $4.17
      • Septic system: $6.25
      • Roof leak repair: $8.33
      • Well pump: $8.33
      • Pool and spa: $20.00
    • Discounts: First-year decreased rates; seasonal promotions

    Georgia reviewers say that Old Republic delivers quick dispatch and communication, courteous techs and an easy claims process. However, some report inconsistent contractor quality with occasional no-shows or repeat visits.

    “Had air conditioning problem. Prompt service excellent communication. Solved problem within hours of call. Excellent communication and explanation of the problem. After they left, the unit worked perfectly well. Thanks again. This is the first time I had a service call and I was amazed how well it went. It was much better to go online to report the service incident.”
    Maurice Savennah, GA
    “From the start, handling claims with Old Republic has been straightforward—whether I’m filing online or speaking directly with an agent, the process is seamless.”
    Ulanda Loganville, GA
    “I've had several repair services through Old Republic, and while it's unfortunate to need repairs, the service technicians have consistently been courteous and professional. Their customer service has been excellent, and each encounter has been positive. I haven't had any negative experiences so far, despite having called them multiple times for different issues.”
    Marlana Powder Springs, GA
    Best for quick service

    Cinch Home Services

    Cinch Home Services
    4.1
    12,274 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services is reliable when it comes to quick dispatch and repair. The 180-day workmanship guarantee is one of the longest in the industry, and the company offers three service fee options to fit different budgets.

    We especially recommend Cinch for Georgia homeowners who want repairs started fast, as contractor contacts typically happen within two hours of claim submission.

    What to consider: Cinch doesn’t offer an add-on to cover roof leaks, unlike many competitors.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Few add-on options

    Cinch Home Services has three plan options: an appliances plan (starting at $27.99, $36.32 or $39.99 per month), a systems plan (starting at $54.99, $63.32 or $66.99 per month) and the Complete Home plan (starting at $77.99, $86.32 or $89.99 per month), which includes the coverage from the other two plans.

    Service call fees are $100, $125 or $150 — choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks.

    • Appliances plan: Starts at $27.99, $36.32 or $39.99 per month.
    • Systems plan: Starts at $54.99, $63.32 or $66.99 per month.
    • Complete Home plan: Starts at $77.99, $86.32 or $89.99 per month. This plan includes coverage from both the appliances and systems plans.

    Add-ons and discounts

    • Optional add-ons:
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases

    Georgia reviewers praise Cinch for fast dispatch, professional contractors and clear communication during repairs. However, some customers complain about unexpected out-of-pocket costs.

    “I had an issue with my AC unit on the main level due to a hole that caused it to lose freon. I reached out to Cinch Home Services and they were amazing, managing to send someone out as soon as the next day. It was impressive how the technician kept me informed throughout the process. While he had to come back the following day after getting some approvals and the necessary tools, he showed up exactly when he said he would and fixed the issue promptly.”
    Natalie Grovetown, GA
    “My experience with submitting claims has been positive. It's straightforward to call in, and I often receive a number for follow-up, although I haven't needed this recently since there have been no issues from their end. For example, when I had an issue with my air conditioning, the technician came promptly.”
    Johnnie Decatur, GA
    “I had a claim related to my stove and it was addressed smoothly. However, I had an issue wherein the service people never called and said they were coming. After we set up a date, they didn't show up. I wish they called and told me they weren't coming.”
    X Buford, GA
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best technicians

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,769 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty shines in Georgia for its technician quality. We also like that CHW has 24/7 customer service and often responds to service calls within just a few hours.

    What to consider: Choice doesn’t provide appliance-only or systems-only plans, and service fees aren’t customizable.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Choice plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Georgia reviewers say that CHW delivers quick technician dispatch, professional service visits and clear communication. However, some report claim denials that leave them paying unexpected costs.

    “We had issue with our Microwave/Oven combo. Technician who came to diagnose and repair was extremely knowledgeable and professional. Now we are having issues with our refrigerators not cooling and they promptly assigned claim nos and will have somebody in two days to look at and fix issues. CHOICE HOME WARRANTY is prompt.”
    Shashin Marietta, GA
    “We needed the hot water heater replaced. The tech was very help full and a pleasant person to deal with, Choice Home Warranty approved us very fast and just waiting on the heater to finish the job, The whole ordeal was very easy from started to finish.”
    Michael Braselton, GA
    “We had a master shower plumbing leak in our new home a few weeks after moving in. We placed a claim that night. Someone contacted us and came out the very next day. We were very pleased with the work and service provided.”
    Natalie Atlanta, GA

    American Home Shield

    American Home Shield
    3.7
    109,649 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews
    Special Offer

    President's Day Sale

    50% Off Select Plans for a limited time only!

    American Home Shield is a smart pick for Georgia homeowners who want broad coverage and competitive pricing. The company offers high coverage limits and includes key protections like rust, corrosion and sediment damage.

    The user-friendly app simplifies the claims process, and the ability to video-chat with an expert is a helpful feature for troubleshooting before a service call.

    What to consider: AHS has fewer add-on options than most home warranty companies, so it’s harder to customize your plan.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties

    Georgia reviewers praise AHS for easy online claims and reliable dispatch.. However, customers also mention that prices go up after the first year and delays for AC and water heater service.

    “I had storm damage. I went online and filed the claim to American Home Shield. They covered $1,000 of roof damage. … The claim process is amazing. You just go online and put whatever it is that's going on with you. Then they have you pay the deposit and the guys came out.”
    Dahana Brunswick, GA
    “I've been with American Home Shield for about 18 years, a testament to their consistent service. Whenever I need to reach out, I do so by phone as my primary method, although I've tried their online service once. Typically, they've been excellent in responding quickly and assigning work to the necessary teams.”
    Nathaniel Savannah, GA
    “When my air conditioner decided to give out, I contacted American Home Shield over the phone to submit a claim and they promptly called me back. They followed up with an email, keeping me informed throughout the process, which was helpful. … The total process, from identifying the issue to fixing it, took about a week, mostly due to the time needed for the parts to arrive.”
    Theresa Ball Ground, GA
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process

    Home Warranties in Georgia Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    Old Republic Home Protection logo
    Cinch Home Services logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      In Georgia, buying a home warranty is a pretty straightforward experience, but that doesn’t mean you shouldn’t do your due diligence beforehand. Take the time to understand how your policy works before signing on the dotted line.

      » COMPARE MORE COMPANIES: Home warranty buyers guide

      Key insights

      Home warranties typically cost between $30 and $90 monthly, though your price will vary depending on the company, your plan and your chosen service fee.

      Jump to insight

      In Georgia’s hot climate, it’s smart to prioritize coverage for your cooling system.

      Jump to insight

      Georgia has limited regulations for home warranties. If you have a complaint about a warranty company, contact the Office of the Insurance and Safety Fire Commissioner.

      Jump to insight
      atlanta georgia skyline

      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.

      FAQ

      Is a home warranty worth it in Georgia?

      It depends. In some cases, having a home warranty can save you thousands of dollars on unexpected repairs. Other times, you may end up spending more on your warranty than you would have on repairs or replacements during your coverage term.

      If you put a lot of value in the stability and peace of mind home warranty coverage provides, then a plan may be a smart purchase. However, if you’re exclusively looking to come out ahead financially, you need to assess your home and compare your expected costs as a homeowner versus the cost of a warranty.

      What is not covered by a home warranty?

      It depends on the plan you choose.

      Many home warranties don’t cover items that aren’t properly maintained, and some don’t include full coverage for high-cost items, like your HVAC system. Secondary damage, like that from flooding caused by a broken dishwasher, often won’t be covered even if the dishwasher is. Generally speaking, home warranties don’t cover the same situations as homeowners insurance, either.

      It’s critical that you read your contract (especially the exclusions and limitations sections) to understand what your home warranty covers and to what extent.

      » MORE: Home warranty coverage

      What’s the difference between a home warranty and homeowners insurance?

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      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 Georgia, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Georgia 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 charges 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:

      1. Georgia.gov, “House Bill 733.” Accessed Oct. 1, 2025.
      2. Georgia Secretary of State, “Georgia Law 43-41.” Accessed Oct. 1, 2025.

      Not sure how to choose?

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