Best overall
Old Republic Home Protection
3.8
2,241 reviews
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best Home Warranty Companies in Georgia
- Best overall
Old Republic Home Protection3.8(2,241) - HVAC coverage
American Home Shield3.6(110,940) - Claims handling
First American Home Warranty4.0(8,986)
By:
Taylor Sansano
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Georgia
Old Republic Home Protection is our top pick for Georgia homeowners thanks to standout HVAC protection that suits the state's long, hot summers. When your air conditioner is running every day in humid weather, breakdowns aren't just inconvenient — they can get expensive fast, and a home warranty can help cover repair or replacement costs when something fails.
Home warranties can also cover common household appliances like ovens, dishwashers and dryers. In Georgia, plans typically run from $27.99 to $91.69 per month.
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- Our recommendations are based on what reviewers say.
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- Our moderators read all reviews to verify quality and helpfulness.
Old Republic Home Protection is our pick for the best home warranty company in Georgia because its higher HVAC limits can offer stronger financial protection during peak summer months.
Jump to insightIn Georgia, home warranty pricing averages $63.62 per month, with recent annual quotes ranging from $335 to $1,100.
Jump to insightChoose a home warranty plan with generous air conditioning caps that help keep surprise summer repair bills to a minimum.
Jump to insightOur 4 home warranty company picks in Georgia
- Best overall: Old Republic Home Protection
- Best HVAC coverage: American Home Shield
- Best claims handling: First American Home Warranty
- Best technicians: Regency Total Warranty
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 home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Old Republic Home Protection | Learn More | 3.8
2,241 reviews
2,241 reviews
| Best overall | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.6
110,940 reviews
110,940 reviews
| HVAC coverage | $29.99 | $100 or $125 |
 First American Home Warranty | Get a Quote | 4.0
8,986 reviews
8,986 reviews
| Claims handling | $47 | $100 or $125 |
 Regency Total Warranty | Learn More | 3.7
1,117 reviews
1,117 reviews
| Technicians | $44.99 | $60 to $100 |
Our 4 Georgia home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Georgia on ConsumerAffairs.
Best HVAC coverage
American Home Shield
3.6
110,940 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best claims handling
First American Home Warranty
4.0
8,986 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best technicians
Regency Total Warranty
3.7
1,117 reviews
- Plans available
- 2
- Monthly premium range
- $44.99 to $49.99
- Service fees
- $60 to $100
- Labor guarantee
- None specified
Home Warranties in Georgia Buyers Guide
Jump into our guides and start learning
In this guide
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
In Georgia’s hot climate, it’s smart to prioritize coverage for your cooling system.
Jump to insightThe average Georgia home warranty costs $63.62 per month. Depending on your specific plan, annual premiums range from $335 to $1,100. Service fees are typically $75 to $150.
Jump to insightRead contracts carefully for exclusions and coverage caps.
Jump to insight
How to choose a home warranty in Georgia
To choose a home warranty in Georgia, start by pinpointing the types of coverage your home needs most, then weigh plan costs, sample contracts and trusted customer feedback. Following these steps can help you select the right plan for your situation:
1. Decide what coverage you need
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.
» MORE: Does a home warranty cover pest control?
2. Compare costs
Don’t just look at monthly premiums. Consider the full value of the plan, including service call fees, which usually range from $75 to $150 per visit. Frequent claims can add up quickly, so review the details of coverage caps and the cost of any add-ons you might need, such as roof leak or pool coverage.
It’s easy to focus on the monthly price, but real value shows up when a big repair hits and you learn what the plan will and won’t actually pay. Eric in McDonough put it plainly after he ran into major HVAC costs: "I have found that I end up paying out of pocket more than what my annual fees cover; for instance, I faced an $8,000 expense for an AC unit.”
3. Review sample contracts
Most providers post sample contracts on their websites. These documents spell out exactly what’s included and what’s excluded, such as preexisting conditions or cosmetic issues. Contracts also clarify how long you’ll wait for coverage to start, the process for making a claim and what fees might apply if you cancel.
4. Read customer reviews
Customer feedback reveals a lot about how companies resolve claims, the reliability of their local contractor networks and any hidden costs. Read reviews to spot patterns in service and claims handling, and pay attention to both positive and negative experiences.
Positive reviews often highlight a quick, easy claims process and helpful support. Negative comments tend to reflect denied claims or coverage gaps.
How much does a home warranty cost in Georgia?
A home warranty in Georgia costs $63.62 per month on average. Home warranty premiums generally range from $27.99 to $91.69 per month, depending on the plan. The average cost of a home warranty in Georgia is 6% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Georgia for a three-bed, two-bath home in Atlanta.
| Provider | Monthly premium range* | Service call fee |
 | $50 to $80 | $100 or $125 |
 | $29.99 to $89.99 | $100 or $125 |
 | $51.69 to $91.69 | $100 or $125 |
 | $44.99 to $49.99 | $60 to $100 |
| $50 to $80 | $100 or $125 |
| $29.99 to $89.99 | $100 or $125 |
| $51.69 to $91.69 | $100 or $125 |
| $44.99 to $49.99 | $60 to $100 |
*Data updated January 2026
Monthly or annual premiums
Most companies let you pay by the month or for a full year up front — an annual payment usually means some savings.
Service call fees
Every time you request service, you’ll pay a service call fee to have a contractor inspect and diagnose the issue. Most companies set these between $75 and $150 per visit. Some let you pick your fee when you sign up, with a higher fee often leading to a lower monthly premium.
Add-on coverage
Many home warranty companies allow you to customize your plan with add-ons not covered in the base plan. Add-ons range from $2 to $25 per month, depending on the item.
Other home warranty cost factors
Home warranty pricing can change depending on:
- Home size: Larger homes cost more to cover.
- Level of coverage: Cheaper home warranty plans cover fewer systems and appliances.
- Location: [location_state]
- Discounts: Look for deals such as multiyear pricing or online signup bonuses.
Example: total annual home warranty costs
- Systems and appliances combo plan ($48 per month): $576 per year
- Add-on for well pump protection ($8 per month): $96 per year
- Four claims ($90 service fee): $360
- Total: $1,032 per year
What does a Georgia home warranty cover?
Most home warranty companies in Georgia offer three coverage types: appliance plans, systems plans and combination options.
- Appliance plans cover items like refrigerators, washers, dryers, ovens, dishwashers and built-in microwaves.
- Systems plans usually include central heating, AC, plumbing, electrical and water heaters — all vital for comfort in Georgia’s weather.
- Combo plans merge both for maximum protection and often higher annual payout limits.
Providers also have options for extra add-ons so you can cover things like pools, spas or a second fridge.
» LEARN: What voids a home warranty
Reviewers' experience filing home warranty claims in Georgia
Peter in Atlanta likes how painless a claim can be when something big breaks. He says, "Submitting a claim for my water heater was straightforward. I used their website to report the problem ... They responded promptly." Even with higher fees now, he still leans on the warranty for peace of mind in older homes.
Key takeaway: When the online claims system works well, coverage feels worthwhile
Belinda in Atlanta found the claim part smooth, but timing still mattered when she needed an oven. She shared, "It's easy to submit a claim and response time is decent," yet when a replacement was needed, "CHW took a whole month to get me an electronic gift card to Lowe's." That delay made the wait feel endless.
Key takeaway: While claims can be easy, it may still mean long waits for replacement reimbursements
Robert in Fayetteville expected one repair visit, but the claims process turned into a money drain. "The payment system and the communication to place claims are ridiculous." When a disposal clog triggered a leak, he filed two claims, then got told to file a third. After "two technicians and $200 later," he paid again just to finish the job.
Key takeaway: Multiple claims can mean multiple fees, even for one incident
How much can you save with a Georgia home warranty?
How much you save depends on what breaks and how often. In many cases, just one covered repair can make a home warranty pay for itself.
The Consumer Financial Protection Bureau recommends homeowners set aside 1% to 3% of their home’s value each year for repairs and maintenance. A home warranty can lower that risk — most Georgia residents pay $700 to $1,200 per year for a plan and a few service fees. Avoiding a major surprise bill for an AC or water heater repair could mean thousands in savings.
A home warranty is worthwhile in Georgia if you own an older home, live in a flood-prone area or have basement moisture concerns. An AC failure in summer can exceed $2,000. Most homeowners will file multiple claims annually.
Average repair/replacement costs for covered items
Georgia’s hot, humid climate and occasional severe weather create predictable failures. Summer heat stresses air conditioning systems. High humidity causes moisture intrusion and mold growth. Heavy rain and storms increase the risk. Here's what typical repairs cost in Georgia without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
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 homebuilder's 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 that 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?
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.
Here’s how we scored each company:
- HVAC coverage and caps (40%): Georgia’s hot, humid weather makes HVAC issues more common and urgent. We scored companies with high annual caps for HVAC ($5,000 or higher) and unlimited refrigerant coverage much higher than those with lower caps ($3,000 or lower) and caps on refrigerant of $10 to $20 per pound.
- Local satisfaction rate (35%): Reviews from real customers in Georgia are worth more than a company’s nationwide reputation. If a company has a poor technician network locally or frequently denies Georgia homeowners’ most frequent complaints, we capture that in our review analysis.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Georgia. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
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:
- Georgia.gov, "House Bill 733." Accessed Jan. 27, 2026.
- Georgia Secretary of State, "Georgia Law 43-41." Accessed Jan. 27, 2026.
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Compare top Georgia home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Old Republic Home Protection
| 3.8
2,241 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
| 3.6
110,940 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 |
|
First American Home Warranty
| 4.0
8,986 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 |
|
Regency Total Warranty
| 3.7
1,117 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 |
Prestige Home Guard
| 4.6
9 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
| 4.5
1,704 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 |
HomeSafe
| 4.4
572 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 |
ARW Home
| 4.4
2,894 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 |
Choice Home Warranty
| 4.0
75,464 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 |
Cinch Home Services
| 4.2
12,432 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. | Read reviews |
Select Home Warranty
| 4.0
16,501 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Achosa Home Warranty
| 1.9
9 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
HomeServe
| 1.6
2,104 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 |
First Premier Home Warranty
| 1.7
657 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 |
Super
| 1.6
436 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
GE Service Contracts
| 1.3
350 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 |
ServicePlus Home Warranty
| 1.3
1,962 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 |
America's Preferred Home Warranty
| 1.4
14 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
460 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 |
2-10 Home Buyers Warranty
| 1.2
6,757 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,039 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 |
HSA Home Warranty
| 1.0
321 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
The Home Service Club
| 1.2
819 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 |
AFC Home Warranty
| 1.0
2,280 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 |
American Home Protect
| 1.0
137 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 |
Frontdoor
| 1.0
27 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 |
Home Warranty Inc
| 1.0
18 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 |
Priority Home Shield
| 1.0
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | 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 |
Complete Protection Home Warranty
| 1.0
View profile
| 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. | 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. | |
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. | |
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 |
AHW Home Warranty
| 1.0
385 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 |
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