Best Home Warranties in Georgia

Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose four companies that offer the best plans for your money.

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?

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 Commissioner of Insurance and Safety Fire (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, read this article from the state’s attorney general’s office for more information.

ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when we make our top picks.

To choose the top home warranty companies in Georgia, we started with the 26 popular providers listed in our main home warranty guide.  First, we narrowed it down to the ones available in Georgia. We then weighted several key features to get our final rankings:

• Coverage options: We broke down each company’s home warranty plans to ensure they offered 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 so you don’t pay for coverage you don’t need. We checked to see what customization options each company offered, 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 coverage selected, but we confirmed our top picks’ prices were 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 were in line with industry standards.

In Georgia, buying a home warranty is a pretty straightforward experience. However, 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.

To learn more about home warranty companies, check out our home warranty buyers guide or our article on home warranty coverage.