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Best Home Warranty Companies in Maryland

We compared 19 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.7(837)
    • Best technicians
      Choice Home Warranty
      4.0(69,713)
    • Customer service
      Cinch Home Services
      4.1(11,876)
    Author picture
    By: Sarah Maier
    +2 more
    Author picture
    Edited by: Vincent Landino
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranty Companies in Maryland

    Based on coverage options, prices and recent reviews, Regency Total Warranty is the best home warranty company in Maryland. Choice Home Warranty stands out for having great technicians, and Cinch Home Services is our pick for customer service.

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    Our picks for the top 3 home warranties in Maryland

    1. Best overall: Regency Total Warranty
    2. Best technicians: Choice Home Warranty
    3. Best customer service: Cinch Home Services

    Our research team vetted popular home warranty companies with over 1,500 customers in Maryland. Some companies may be Authorized Partners that compensate us. This does not affect our recommendations or evaluations but may impact the order in which companies appear. Read our full methodology below for all the details on how we select our top picks.

    Compare our top picks

    Best Maryland home warranty companies, reviewed

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.7
    837 reviews
    Monthly premium cost
    $39.99 to $45.83
    Service fees
    $60 to $100
    Labor guarantee
    Unclear
    Plans available
    2
    Read Reviews

    Regency Total Warranty is our top pick based on local customer satisfaction. Reviewers often tell us about quick and smooth claims handling, which is a huge consideration when choosing home warranty coverage. People also like Regency’s relative affordability. 

    We also like that Regency offers two combination plans for both systems and appliances, EssentialGuard and TotalGuard (versus the more standard systems-only and appliances-only options).

    Pros

    • Comprehensive coverage
    • Reasonable starting costs
    • Quick responses
    • Helpful technicians

    Cons

    • Some communication issues
    • Occasional service delays
    • No electronics plan
    “I especially appreciate the fact that the monthly payment amount and the service fee is locked in, and that I do not have to sign a contract.”
    Muslimah Waldorf, MD
    “I am a new customer and I found Regency Total Warranty home protection plan good price for a great value. Best plan that I have ever found.”
    Tina Baltimore, MD
    “Our service has been quick and effective both times we have used it, and the workers showed up when they said they would.”
    Carmen Silver Spring, MD

    Regency’s plans start between $39.99 and $45.83 per month. You have the potential to save $50 per year by paying annually. The coverage limit is up to $5,000 per 12-month period.

    Buyers Choice Award Finalist

    Choice Home Warranty

    Choice Home Warranty
    4.0
    69,713 reviews
    Monthly premium cost
    $49.17 to $57.50
    Service fees
    $100
    Labor guarantee
    30 days
    Plans available
    2
    Get a Quote Read Reviews

    Choice Home Warranty stands out for its contractor network includes more than 25,000 technicians nationwide. Happy customers often tell us about prompt, professional service. CHW offers 24/7 customer service, and you can request a repair online or by phone.

    We also like that the most basic plan includes HVAC system coverage. Plus, the company’s policy is to respond to service requests within four hours. Anyone who’s ever had their air conditioning break in the summer or heating go out in the winter knows the importance of a fast response time.

    Pros

    • 24/7 customer service
    • Optional roof leak coverage
    • No transfer fee
    • No home inspection required

    Cons

    • Some claims denied
    • $500 roof repair cap
    “My AC had broke and I put in my claim online within 24 hours.”
    Lisa M Upper Marlboro, MD
    “Choice home warranty was great a immediately scheduling the appointment and sending the tech my way.”
    Sameer North Potomac, MD
    “The technician was very friendly and knowledgeable.”
    Martina Baltimore, MD

    Choice Home Warranty’s basic 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.

    Add-on options

    Add the following coverage to your plan for an additional monthly fee:

    • 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
    2025 Buyers Choice Award Winner

    Cinch Home Services

    Cinch Home Services
    4.1
    11,876 reviews
    Monthly premium cost
    $38.99 to $66.99
    Service fees
    $100, $125 or $150
    Labor guarantee
    180 days
    Plans available
    3
    Get a Quote Read Reviews

    Cinch Home Services has over 40 years of experience offering home warranties nationwide. This company has a vetted network of technicians, and it offers a 180-day workmanship guarantee.

    You can request service online or by phone. Overall, the process of submitting claims has been relatively easy for most customers, but there have been instances of delays and miscommunication. 

    For instance, Patricia in Silver Spring told us about a good experience with an air conditioner claim: “I called on a Friday, they responded by Saturday, and the appointment was scheduled for the following Tuesday.” But when Patricia had problems with her refrigerator, “it took multiple calls and visits from technicians, with inconsistent and inadequate solutions,” she told us.

    Pros

    • Low starting costs
    • Workmanship guarantee
    • Easy claims process
    • Quick response times
    • Covers unknown preexisting conditions

    Cons

    • Relatively high service fees
    • Occasional repair delays
    • Some customer service complaints
    “When other services were needed, the process was efficient—someone has come to address my problems without issue.”
    Matthew Baltimore, MD
    “Throughout this process, everything occurred in a timely manner, and I was satisfied with the technician's work.”
    Mytera Baltimore, MD
    “Most recently, my hot water heater started leaking and wasn't functioning properly. The technician they sent over was awesome; he identified the issue and replaced the unit.”
    David Baltimore, MD

    Coverage for appliances only starts between $38.99 and $48.99 per month, and the systems plan starts between $43.99 and $55.99 per month. Cinch’s most comprehensive plan, which covers systems and appliances, starts between $54.99 and $66.99 per month.

    Add-on options

    You can add extra coverage to a plan for an additional monthly fee:

    • Septic tank and pumping: $4.58
    • Well pump: $12.50
    • Premier upgrade package: $12.50
    • Pool and spa (heater included): $22
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process

    Home Warranties in Maryland Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    Choice Home Warranty logo
    Cinch Home Services logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      If you're considering buying or selling a new home in Maryland, many people look into getting a home warranty to increase protection and value. There are a lot of options to choose from when you’re shopping for a top home warranty company in Maryland, but a good way to start is by thinking about what kind of coverage you want.

      Key insights

      The average annual cost for a home warranty is about $684 as of June 2025.

      Jump to insight

      Home warranty plans only cover appliances and major systems, so don’t expect coverage for all your household items (e.g., furniture, art).

      Jump to insight

      A home warranty plan is often worth it if you have an older house and don’t have a big savings account.

      Jump to insight

      How to choose a home warranty company in Maryland

      When you’re looking at coverage plans, think about which of your major home systems and appliances are most at risk and which you’d least like to go without.

      • Consider Maryland’s climate: Maryland can get cold enough in the winter and hot enough in the summer that you wouldn’t want to go without your home’s heating and cooling systems, so coverage for your air conditioner and heating system might be useful.
      • Find the right coverage: Decide what type of protection you need (appliance coverage, systems coverage or both). Look for companies that offer plans that match your needs.
      • Compare your options: Get quotes from at least three home warranty providers. Compare coverage, prices and service terms to choose the best fit. As you look over different contract terms, make sure you understand the deductible, coverage limits and what your out-of-pocket expenses will be.

      What home warranties cover

      Home warranties cover certain appliances and systems in your home. Your contract will also list specific exclusions. Coverage may vary slightly by provider, but contracts typically include the following: 

      • Systems plans usually include HVAC, plumbing, electrical, water heaters and ductwork.
      • Appliance plans cover washers, dryers, refrigerators, ovens, dishwashers, microwaves and garbage disposals.

      How home warranty plans work

      A home warranty is a service contract that helps cover the cost of repairing or replacing certain home appliances and major systems when they break down due to normal wear and tear. When something covered breaks, you file a claim, pay a service fee and the company arranges for a technician to make the repair or replacement.

      Home warranty costs in Maryland

      A home warranty in Maryland costs roughly between $35 and $105 per month, based on quotes from some of our top picks. The cost of your home warranty will depend on a few different factors, including the size of your home and the amount of coverage you want

      Is a home warranty worth it in Maryland?

      A home warranty can be worth it for the peace of mind alone. It may also be worth considering if you’re a homeowner who wouldn’t be able to handle the financial burden of a major repair or a replacement on your own. However, if nothing goes wrong in your home while you’re covered, you may end up wasting money. Weigh your risks to make a smart purchasing decision.

      Home warranty plans are also popular with real estate agents because they can sweeten the deal for a potential buyer. For example, if a new home buyer is worried about an old house's plumbing system, a home warranty plan can help financially safeguard them from future breakdowns.

      FAQ

      How are home warranties regulated in Maryland?

      Maryland’s laws regarding home warranties (also called home service contracts) are outlined by the Maryland Service Contracts and Consumer Product Guaranty Act. This Act requires, among other things, that home warranty contracts disclose the following:

      • The duration of the warranty
      • Maintenance requirements
      • The service to be provided
      • How you can request service
      • How to resolve disputes

      Maryland law leaves enforcement up to the state’s attorney general. So, if you have an issue with a home warranty company’s practices, consider filing a grievance with the Maryland attorney general’s office.

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

      A home warranty is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      » COMPARE: Home warranty vs. home insurance

      Which home warranty companies offer roof coverage?

      We won’t list every company that offers roof leak coverage, but a few that do are American Home Shield, Liberty Home Guard and Select Home Warranty.

      Bottom line

      Choosing between home warranty companies in Maryland may seem difficult, but it doesn’t have to be. Learn as much as you can before you start shopping, then look for companies that meet your needs, making sure to read customer reviews and compare offers.

      Not sure how to choose?

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        Methodology

        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 selecting our top picks.

        To choose the top home warranty companies in Maryland, we started with popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Maryland. 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 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 charged to send a technician to your house to ensure our top picks are in line with industry standards.
        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. Maryland General Assembly, “Maryland Service Contracts and Consumer Products Guaranty Act.” Accessed June 24, 2025.
        2. Maryland Department of Labor, “About Warranties - Home Improvement Commission.” Accessed June 24, 2025.

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