Best overall
American Home Shield
3.7
109,269 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best Home Warranties in Nebraska
- Best overall
American Home Shield3.7(109,269) - Claims handling
Regency Total Warranty4.1(1,028) - Quick service
Choice Home Warranty4.0(73,453)
By:
Alina Bradford
+1 more
Edited by:
Matt Zane
Best Home Warranties in Nebraska
American Home Shield is the best home warranty company in Nebraska, based on verified reviews from local homeowners. Regency Total Warranty is a good choice if you want hassle-free claims, and Choice Home Warranty stands out for fast response times.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,809,857 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 4 home warranty company picks in Nebraska
- Best overall: American Home Shield
- Best claims handling: Regency Total Warranty
- Best for quick service: Choice Home Warranty
- Best for roof coverage: Select Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Nebraska. Read our guide to choose the best home warranty in Nebraska 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 costs | Service fee | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.7
109,269 reviews
109,269 reviews
| Best overall | $29.99 | $100 or $125 |
 Regency Total Warranty | Learn More | 4.1
1,028 reviews
1,028 reviews
| Claims handling | $44.99 | $60 to $100 |
 Choice Home Warranty | Get a Quote | 4.0
73,453 reviews
73,453 reviews
| Quick service | $46.83 | $100 |
 Select Home Warranty | Get a Quote | 3.6
15,988 reviews
15,988 reviews
| Roof coverage | $60.42 | $75 to $100 |
Our 4 Nebraska home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Nebraska on ConsumerAffairs.
Best claims handling
Regency Total Warranty
4.1
1,028 reviews
- Plans available
- EssentialGuard and TotalGuard
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best for quick service
Choice Home Warranty
4.0
73,453 reviews
- Plans available
- Basic and Total
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best for roof coverage
Select Home Warranty
3.6
15,988 reviews
- Plans available
- Bronze Care, Gold Care and Platinum Care
- Service fees
- $75 to $100
- Starting costs
- $60.42
- Labor guarantee
- 180 days
Best home warranty companies by city
Home Warranties in Nebraska Buyers Guide
Jump into our guides and start learning
In this guide
Nebraska's cold winters and flat terrain create freeze damage and storm challenges. The state has older rural homes and small-town properties with significant distances between technicians. We’ll help you find the right plan for your needs.
Nebraska homeowners should prioritize heating and plumbing coverage. Winter cold is intense and furnace failures are common.
Jump to insightNebraska home warranty plans cost $35 to $90 per month on average. Your rate depends on the coverage level, your service fee and any add-ons.
Jump to insightHome warranties generally cover major household systems and appliances, with combo plans offering the broadest protection.
Jump to insightHow to choose a home warranty in Nebraska
Choosing a home warranty in Nebraska means weighing your property’s age, location and exposure to weather. Start by deciding if you want protection for appliances, home systems or a combination of both. Combo plans offer the most comprehensive coverage.
1. Decide what coverage you need
Nebraska is predominantly rural with older homes and long distances to technicians. If your home was built before 1985, prioritize systems coverage. Rural properties need strong well and septic options. Verify your provider actually serves your area — rural areas may have less coverage.
2. Compare costs
Don’t just look at the monthly premium. Calculate the full annual cost, including service fees each time you file a claim. Some Nebraska areas may see higher premiums or service charges due to travel for technicians. Double-check coverage caps, especially for expensive items like HVAC or roofs.
Add-ons, such as sump pump or roof reinforcement, can noticeably raise your yearly cost but may be essential given Nebraska’s climate.
Nebraska home warranty costs may run higher than the national average due to rural isolation and freeze demands. Limited contractor networks mean higher travel fees.
3. Review sample contracts
Take time to read sample contracts from each provider. These documents lay out exactly what is and isn’t covered and include exclusions for preexisting issues, cosmetic problems or improper installation. Pay close attention to whether hail and freeze damage are covered, as well as the details for well, septic and roof add-ons.
4. Read customer reviews
Customer reviews reflect how a company actually performs after you purchase a plan. Focus on Nebraska-specific feedback — local service delays and technician availability can vary widely, especially in rural areas.
Fast, reliable claims processing is a must. That’s what Rebecca from Milford found out when their provider could only find a company that had to come “all the way from Iowa.” Unfortunately, Rebecca “went more than a week without functional plumbing.”
» MORE: How to buy a home warranty
What do Nebraskans say about home warranty companies?
People have had mixed experiences with home warranty companies. Some appreciate the professional, efficient service from contractors, while others are frustrated by long wait times, denied claims and poor communication.
» RELATED: Worst warranty companies and scams
How much does a home warranty cost in Nebraska?
Home warranty premiums cost $684 per year, on average, as of June 2025. A Nebraska home warranty costs between $360 and $1,080 in premiums annually, based on plans from our top picks.
Cost range by home warranty provider
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
Select Home Warranty | Get a Quote | $60.42 to $63.75 | $75 to $100 |
Monthly or annual premiums
Most companies offer both monthly and annual payment options. Spreading payments monthly helps with budgeting, while annual payments often come with discounts. Your total cost will depend on the provider, your chosen plan and any additional coverage.
Service call fees
Each repair visit comes with a service fee (similar to a per-claim deductible). This fee generally ranges from $75 to $150, depending on your provider and plan.
Add-on coverage
Most home warranty companies let you add extra protection for things like pools, sump pumps or roof leaks. Add-ons typically range from $2 to $25 per month per item.
Other home warranty cost factors
Home warranty pricing depends on a few critical factors:
- Home size and type: Larger properties or those with more systems cost more to cover.
- Level of coverage: Basic plans are cheaper but offer less protection. Combo plans, which cover both systems and appliances, are higher priced.
- Location: Nebraska's rural nature and climate demands may affect warranty costs. Rural areas typically cost more than small towns.
- Discounts: Companies often run promotions or discounts for annual plans or new customers.
Example: total annual home warranty costs
- Systems and appliances combo ($51 per month): $612 per year
- Add-on for roof reinforcement ($11 per month): $132 per year
- Four claims ($100 service fee): $400
- Total: $1,144 per year
What does a Nebraska home warranty cover?
In Nebraska, home warranty providers offer three main types of protection: appliance-only, systems-only and combination plans.
Appliance plans include coverage for items like refrigerators, dishwashers and laundry machines. Systems plans focus on heating, plumbing, electrical and water heaters — all essential for Nebraska’s severe winters. Combo plans bundle both for maximum peace of mind.
Most companies also let you add coverage for special items. In Nebraska, consider add-ons for well pump protection, sump pump coverage and roof leak coverage.
How much can you save with a Nebraska home warranty?
What you can save depends on the repairs or replacements you need. One covered system breakdown can easily justify the cost of an annual plan.
The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home’s value annually for repairs. A home warranty typically costs $700 to $1,200 per year, including service fees. Avoiding just one major repair could save you thousands.
Average repair/replacement costs for covered items
Nebraska's extreme winters create predictable patterns. Furnace failures and frozen pipes are common winter emergencies. Rural isolation means limited local contractor access. Here's what repairs typically cost in Nebraska.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Roof leak repair | $360 to $1,550 | $5,800 to $12,800+ | Add-on ($7 to $12 more per month) |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
FAQ
How does a home warranty work?
A home warranty is a service contract that covers the repair or replacement of key home systems and appliances. You pay a set monthly or annual fee, plus a service call fee each time you request a repair.
When something goes wrong, you file a claim — the company sends a contractor to diagnose and fix the issue. If the item can’t be repaired, the company may contribute toward a replacement.
Is a home warranty worth it in Nebraska?
A home warranty can be worth it for Nebraska homeowners who want to avoid costly repairs due to winter furnace breakdowns. With repair costs often reaching thousands, a warranty offers financial protection and peace of mind.
A home warranty is especially worthwhile in Nebraska if you own an older rural home or live far from towns.
What does a home warranty not cover?
Most home warranty plans don’t cover things like preexisting damage, improper installation, cosmetic issues or items with a manufacturer’s warranty. Maintenance, landscaping and major structural elements aren’t included.
Many plans exclude hail damage and freeze damage. Wells and septic systems are often excluded from standard plans. Storm-related claims may have limitations.
There are also coverage limits, so if a repair exceeds the cap, you may pay the difference.
How are home warranties regulated in Nebraska?
Nebraska has very limited rules regarding home warranties. While life insurance and vehicle service contracts are thoroughly covered in Nebraska’s regulations, home warranty policies aren’t.
The Nebraska Department of Insurance regulates home warranty companies to ensure they operate lawfully. Before they can sell warranties, home warranty companies have to get a license from the department. This license shows they have enough money to pay for repairs or replacements on claims if needed, so homeowners don't end up with no coverage or unexpected costs.
The Nebraska Department of Insurance also states that home warranty providers must:
- Explain what is covered and what isn't
- Provide contact information
- Clearly state how to file a claim
- Be upfront about any extra fees or deductibles
- Include information about limitations and coverage caps
The department also investigates complaints to ensure businesses operate fairly. If a company is found to violate the regulations, it could face fines or even lose its license. If homeowners have a problem, want to appeal a denied claim or file a complaint with their warranty, they can contact the Nebraska Department of Insurance.
What’s the difference between a home warranty and homeowners insurance?
Mortgage lenders require homeowners insurance to cover damage to your home and belongings due to events like fires, storms or theft.
A home warranty is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.
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 Nebraska, then evaluated which performed best for local residents.
We prioritized real customer experiences in Nebraska but also considered national 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 charged 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:
- Nebraska Department of Insurance, “Nebraska Department of Insurance.” Accessed Nov. 5, 2025.
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Compare top Nebraska home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.7
109,269 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 |
|
Regency Total Warranty
| 4.1
1,028 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 |
|
Choice Home Warranty
| 4.0
73,453 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 |
|
Select Home Warranty
| 3.6
15,988 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Prestige Home Guard
| 5.0
6 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
| 4.4
1,425 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 |
ARW Home
| 4.3
2,776 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 |
Cinch Home Services
| 4.1
12,260 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. | Get a Quote |
First American Home Warranty
| 4.1
8,890 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 |
HomeSafe
| 4.2
456 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 |
First Premier Home Warranty
| 1.8
629 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 |
HomeServe
| 1.5
2,046 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 |
ServicePlus Home Warranty
| 1.4
1,948 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 |
GE Service Contracts
| 1.3
332 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 |
America's Preferred Home Warranty
| 1.4
12 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
369 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 |
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 |
Home Warranty of America
| 1.1
4,026 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 |
2-10 Home Buyers Warranty
| 1.1
6,707 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
Super
| 1.0
429 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 |
The Home Service Club
| 1.0
816 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 |
Frontdoor
| 1.2
24 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 |
AFC Home Warranty
| 1.0
2,277 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
133 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 |
Home Warranty Inc
| 1.0
17 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 |
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 |
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. | |
Complete Protection Home Warranty
| No reviews | 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. | |
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. |
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