Best Home Warranties in Jacksonville, FL

Selecting a home warranty in Jacksonville involves more than just picking the lowest price. You’ll want to ensure your plan delivers the right protection for your home’s specific needs. Here’s how to evaluate your options and make a confident decision:

1. Decide what coverage you need

Begin by deciding whether your primary concern is appliances, systems or both. If your AC, water heater and plumbing are older or frequently used, a combo plan offers the most financial security.

An HVAC plan with a high payout limit is essential in Jacksonville. Pay close attention to coverage for failures caused by humidity, such as clogged drain lines or overworked compressors.

2. Compare costs

Don’t let a low monthly premium fool you — the real value is in how much coverage you get for your dollar. Compare service fees, which usually run $75 to $125 per visit, and factor in how often you might need to file claims.

Don’t feel locked in if you don’t feel your company is providing good value. Miami resident Novak found they could save more by switching providers and said, “We have recently changed our home warranty to Regency Total Warranty because of their coverage area and the protection plan prices.” 

In Jacksonville, investing in a mid- to high-tier plan to get better AC coverage is a wise choice. A cheap plan with a low payout cap for your cooling system is a poor value in a city where your AC runs more than half the year.

Check for coverage caps and the costs of valuable add-ons, since these can quickly increase your annual spend but provide critical peace of mind.

3. Review sample contracts

Always review sample contracts to fully understand what’s included and excluded. Look for any language about preexisting issues, cosmetic wear or improper installation.

While direct hurricane damage is an insurance matter, you want a plan that covers mechanical failures exacerbated by the salty, humid environment.

Jacksonville's coastal climate accelerates rust and corrosion, especially on outdoor AC units and plumbing exposed to the salty air. Most plans exclude damage caused by rust and corrosion, but some companies (like American Home Shield) will cover it. 

4. Read customer reviews

Customer reviews are your window into what it’s like to actually use a provider. Look for feedback from Jacksonville and other Florida coastal cities for the most accurate perspective.

Look for comments on how quickly companies dispatch AC technicians in the peak of summer and how they handle claims for roof leaks. Positive reviews often mention smooth claims and quick contractor response, while negative reviews typically mention delays or denied claims.

Florida resident, Marguerite, was grateful for her AC coverage with Old Republic and said, “Living in Florida with high humidity can be challenging when the AC malfunctions, so their quick response was much appreciated.” 

» MORE: Questions to ask a home warranty company

The average annual cost of a home warranty is $684 as of June 2025. In Jacksonville, expect to pay between $360 and $1,080 per year for home warranty coverage, depending on your plan and any add-ons you choose.

Cost range by home warranty provider

Monthly or annual premiums

You can usually pay for your home warranty monthly or annually. Monthly payments make budgeting easier, while annual payments are often discounted. The final amount depends on your provider, plan level and add-ons.

Service call fees

Each service request comes with a fee, much like a deductible, which typically ranges from $75 to $150 per visit. This covers the technician’s trip and diagnosis.

Add-on coverage

You can tailor your plan with add-ons, such as pool, spa or roof leak protection. These extras run from $2 to $25 per month, depending on the item.

Other home warranty cost factors

• Home size and type: Larger properties tend to cost more to protect.
• Level of coverage: Basic plans are more affordable but offer less protection.
• Location: Jacksonville’s coastal environment, which accelerates system wear, also plays a role in pricing.
• Discounts: Look for annual payment discounts or seasonal deals.

Example: total annual home warranty costs

• Systems coverage ($55 per month): $660 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Three claims ($100 service fee): $300
• Total: $1,080 per year

Jacksonville home warranty providers generally offer three types of plans: appliance, systems and combination plans.

Appliance plans protect items like refrigerators, ovens and washers, while systems plans cover essentials like AC, plumbing and electrical. Combo plans provide the broadest protection and highest coverage caps.

In Jacksonville, where thunderstorms and tropical systems are common from June through November, roof leak coverage is an essential add-on to protect against heavy rains and tropical storms. Pool and spa equipment coverage is another common add-on, along with septic system coverage for homes not on a municipal line.

Other popular add-ons include sump pumps, well pumps and second refrigerators. Read the fine print to know exactly which items are included and where coverage caps apply.

» MORE: Tips for getting the most out of your home warranty

The savings from a home warranty depend on what actually breaks down. A single major repair can quickly exceed what you’d pay in annual premiums and service fees, making the warranty worth the cost. Potential savings also depend on the levels of coverage and provider.

The Consumer Financial Protection Bureau suggests saving 1% to 3% of your home’s value annually for repairs, often more than the $700 to $1,200 a home warranty would cost. If you avoid even one big-ticket repair, your plan will likely pay for itself.

Average repair/replacement costs for covered items

In a city like Jacksonville, where long, hot summers strain HVAC systems and some of the state's hardest water damages water heaters and plumbing, the potential for costly repairs is high. Keep in mind that roof leak coverage is usually capped at under $1,000. Here's what you'll pay for the most common repairs and replacements in Jacksonville without a home warranty: