For Businesses
Write a Review
  3. Homeowners
  4. Home Warranties
  5. Best Home Warranties

Best Home Warranties in Ohio

We compared 33 companies and chose the top home warranty providers

    • Best overall
      Cinch Home Services
      4.1(12,243)
    • Claims handling
      Regency Total Warranty
      4.1(1,018)
    • Value
      American Home Shield
      3.7(109,263)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Ohio

    Ohio’s mix of older housing and harsh seasonal weather creates frequent repair challenges for homeowners. A home warranty can reduce the financial stress of keeping essential systems and appliances working year-round.

    Cinch Home Services is the best home warranty company in Ohio, based on recent reviews from local homeowners, coverage options and overall value. Regency Total Warranty is a good choice for a smooth claims experience, and American Home Shield stands out for its low prices.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,808,736 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 Ohio home warranty picks

    1. Best overall: Cinch Home Services
    2. Claims handling: Regency Total Warranty
    3. Value: American Home Shield
    4. Quick service: First American Home Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Ohio. Read our guide to choose the best home warranty in Ohio 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.

    Best overall

    Cinch Home Services

    Cinch Home Services
    4.1
    12,243 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services stands out in Ohio for its fast response times and 180-day labor guarantee. The company is quick to connect you with a contractor within two hours after you file a claim. This is especially valuable during Ohio’s unpredictable weather or urgent system failures.

    It’s a strong choice for both basic and premium coverage needs. Plan options are flexible, and pricing is competitive.

    Most Ohio customers report easy online claims, professional techs and fast fixes or replacements.

    What to consider: Some reviewers complain about difficulty reaching representatives.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Relatively high service fees

    Cinch Home Services provides three different plan options, allowing you to choose the level of protection that fits your home:

    • Appliances plan: Starts at $38.99, $47.32 or $48.99 per month.
    • Systems plan: Starts at $43.99, $52.32 or $55.99 per month.
    • Complete Home plan: Starts at $54.99, $63.32 or $66.99 per month and combines appliance and system coverage.

    Service call fees are $100, $125 or $150. Opting for a lower deductible will increase your monthly rate. Every plan also comes with a water sensor to help you quickly detect leaks.

    Add-ons and discounts

    • Optional add-ons:
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases
    “I dealt with a claim recently due to an air conditioning issue when it was about 90 degrees outside. … Thankfully, Cinch promptly arranged for another technician who was able to resolve the issue within five days.”
    Robert Strongsville, OH
    “My recent experience with Cinch was excellent. The standout aspects were the professionalism and communication throughout the process. The technician who came to service my home was personable, explaining everything well and ensuring clarity.”
    Deborah Cincinnati, OH
    “Since March, I've only had to call them once for a garage issue. The service was excellent. I paid the deductible, a technician came promptly, fixed the problem efficiently, and left. It was perfect. Setting up the service was a breeze online, and their platform was extremely user-friendly.”
    Tanya Cincinnati, OH
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,018 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty is a top pick if you value a smooth and transparent claims process. Ohio customers often highlight Regency’s responsive service, with quick technician dispatch and clear communication throughout the claim.

    Regency is the only company we looked at with a perfect 5-star rating from Ohio customers in the past year.

    What to consider: You can get a discounted rate if you pay for a full year upfront.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency offers two main plans for Ohio homeowners, both of which bundle system and appliance protection:

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.8 per month or $499.9 per year.

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection
    “The guy arrived on time and tested the dispenser and fixed it perfectly. The dispenser is working fine now.”
    Ross Painesville, OH
    “The operator who processed my claim was friendly. … Within a few hours, I was contacted by the contractor who had accepted the assignment to come to my house. … the technician, Robert, was nothing short of professional, experienced, and eager to answer questions.”
    Diane Ashland, OH
    “We called them for an issue with our fridge. They sent a tech out who diagnosed that could not be fixed. … The next morning we got a call from them and the rep Alex told us that a replacement has been approved and we were allowed to get a new fridge. We got a replacement payment check from them after 40 days.”
    Pamela Dayton, OH
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,263 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield offers some of the most extensive coverage options available at a competitive price. The AHS mobile app makes it easy to submit claims and even provides video chat capability with repair experts.

    Notably, AHS is one of the few providers to cover rust, corrosion and sediment damage — real advantages in older Ohio homes.

    Most Ohio customers describe positive experiences with polite technicians, smooth claim submissions and reliable repairs or replacements.

    What to consider: Some Ohio reviewers mention delays and denied claims due to wear and tear.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    American Home Shield’s base plans start at $29.99 per month. You can select a $100 or $125 deductible; remember, this will impact your monthly premium. All plans come with a total coverage cap of $50,000 per year.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, such as heating, cooling, electrical and plumbing, with a $5,000 limit per HVAC system.
    • ShieldGold ($49.99 or $59.99): Expands coverage to 24 appliances and systems, including kitchen and laundry appliances, with a $2,000 per-appliance limit and a $5,000 HVAC cap.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive, raising the appliance limit to $4,000 and adding roof leak protection up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties
    “I had to submit a claim for my air conditioner. … They arrived on time, worked efficiently, and resolved the issue by replacing the fan and capacitor. The claim process was incredibly easy through American Home Shield’s automated service and app.”
    Richard Cleveland, OH
    “True to their commitment, they offered to replace the refrigerator, and it was replaced just yesterday. The entire process took three weeks, but it's important to mention that some of the delay was due to my availability issues rather than solely being on the company.”
    WH West Chester, OH
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best for quick service

    First American Home Warranty

    First American Home Warranty
    4.1
    8,886 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $42
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American Home Warranty earns a spot for its ability to connect customers with technicians quickly and its long-standing reputation in the industry. The company’s plans also have fairly low starting costs and flexible service fees.

    Ohio reviewers generally find claims easy to submit online or by phone, with friendly contractors and responsive service.

    What to consider: We’ve heard some reports from Ohio customers that technicians have had to come back multiple times to fix the same issue.

    Pros
    • Low starting costs
    • Low service call fees
    • No age limit on appliances
    • Month-to-month contracts
    Cons
    • Occasional service delays

    First American plans cost $42 to $82 per month. They are all combination plans, meaning coverage includes appliances and systems. Service call fees are $100 or $125 (a lower service fee will result in higher monthly premiums).

    • Starter: Covers major systems like heating, plumbing, electrical and ductwork, common kitchen appliances and toilets. Monthly premiums are $42 or $47.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $57 or $62.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $77 or $82.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $7
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: Reduced premiums for paying annually
    “Submitting claims is simple. I do it online and usually somebody comes out within a week. Every single service person has been nice, and I've only had an issue once where I had to call and try to get somebody to redo something.”
    Joan Trenton, OH
    “First American Home Warranty came with the house we have and we've kept it for 19 and a half years, which has been a good decision overall. My experience with submitting claims has been relatively straightforward. I typically handle it online or via a call, which makes it quite convenient. … Occasionally, I need to find my own contractor, but First American makes that easy by reimbursing me.”
    Sarah Norwalk, OH
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best home warranty companies by city

    Home Warranties in Ohio Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Cinch Home Services logo
    Regency Total Warranty logo
    American Home Shield logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Homeowners in Ohio often face furnace breakdowns in winter, AC issues in summer and plumbing or electrical failures in aging homes. A home warranty can lower repair costs and provide added security against expensive fixes.

      Key insights

      Ohio home warranty plans cost $35 to $90 per month on average, though your rate depends on the coverage level, your service fee and any add-ons.

      Jump to insight

      In Ohio, focus on heating, cooling and plumbing coverage to handle seasonal extremes and older housing.

      Jump to insight

      Home warranty companies in Ohio are regulated by the attorney general’s office.

      Jump to insight

      How much does a home warranty cost in Ohio?

      A home warranty in Ohio typically costs between $35 and $90 per month. This is consistent with the national average home warranty price. Your actual payment will vary depending on the level of coverage, deductible you select and any extra add-ons you include.

      Monthly or annual premiums

      Most companies give you the choice to pay monthly or annually. Spreading payments out month by month helps with budgeting, while paying annually could net you a discount.

      Service call fees

      A service call fee is charged every time you make a claim and a technician is sent to your home. Fees generally range from $50 to $150 for each visit, depending on your selected plan and location.

      Add-on coverage

      Customizing your plan with optional add-ons is common and can range from $2 to $25 per month per item. This is especially helpful if you have a pool, sump pump or other unique systems.

      Other home warranty cost factors

      Several factors go into your final price:

      • Home size and type: Larger properties require more coverage and typically cost more. Condos and smaller homes tend to be less expensive.
      • Coverage level: Lower-cost plans usually cover fewer items. Broader combo plans with more protections come at a higher price.
      • Location: Regional differences in labor and material costs can impact your rate.
      • Discounts: Look for deals on multi-year contracts or special seasonal promotions.

      Example: total annual home warranty costs

      • Comprehensive coverage ($60 per month): $720 per year
      • Add-on for roof leak repair ($10 per month): $120 per year
      • Three claims ($100 service fee): $300
      • Total: $1,140 per year

      Cost range by home warranty provider

      How to choose a home warranty in Ohio

      When choosing a home warranty in Ohio, look for coverage that balances protection across multiple systems. Here’s a step-by-step process to picking the best home warranty plan:

      1. Decide what you need covered

      • Appliances-only plans: A good fit if your furnace and plumbing are solid but your washer, dryer or kitchen appliances are aging. If an appliance can’t be repaired, you’ll be reimbursed for a replacement.

        However, you might not always get a full reimbursement, as Roberta from Cleveland found out: “The reimbursement didn't cover the cost of a new refrigerator that would fit under my cabinets. The one that fit cost almost double what I received, which was disappointing.”

      • Systems-only plans: Practical for Ohio’s climate, where heating systems are critical during long winters. Several reviewers noted furnace claims were handled quickly, with Robert from Vandalia saying their heat was restored the same day by a local HVAC contractor.

        “I contacted them online, which is my usual method. Within just five minutes, they called back with an appointment. Impressively, a technician from Foxcroft arrived about two hours later to address the issue.”

      • Combination plans: Best for older homes where both appliances and systems are at risk. Long-time customers often recommend these for the peace of mind of knowing both HVAC and appliances are covered.

      2. Compare costs and coverage

      • Review monthly vs. annual premiums and optional add-ons (like sump pumps or well pumps, which are common in Ohio homes).
      • Service call fees (what you pay when you file a claim) typically range from $55 to $125. Higher fees mean lower monthly premiums.
      • Pay attention to coverage caps; Vickie in Columbus was frustrated when a furnace replacement cost $10,000, but their plan only covered $3,000.

        “They covered very little of my furnace. They only covered $3,000 of the furnace. I had to finance $10,000.”

      3. Review sample contracts carefully

      • Contracts spell out exclusions such as preexisting issues, payout limits and waiting periods.
      • Claims processes matter — several Ohio customers praised fast contractor dispatch, while others reported delays of up to a week, which was tough during peak heating season.

      4. Check company credibility and reviews

      • Look for membership in groups like the National Home Service Contract Association (NHSCA) to verify credibility.
      • Read reviews from local homeowners: satisfied customers often highlight polite, skilled technicians who fix problems quickly, while negative reviews point to long waits for parts or contractors who didn’t fully resolve issues.

      How are home warranties regulated in Ohio?

      The Ohio attorney general’s office governs home warranty companies in Ohio. Though there are laws that determine what a home warranty is in the state, there are no specific regulations.

      If you think something isn't quite right with a home warranty company, reach out to the Ohio attorney general’s office at 800-282-0515 or visit the attorney general’s website. The office also has some helpful information for purchasing a service contract in Ohio.

      FAQ

      Is a home warranty worth it in Ohio?

      A home warranty can give you peace of mind, especially if the cost of unexpected repairs or replacements of major appliances and systems would strain your budget. The decision to purchase this type of coverage depends on factors like your financial situation, the age and condition of your home's appliances and systems and your personal risk tolerance.

      » MORE: Is a home warranty worth it?

      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 Ohio, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Ohio but also considered national reviews. We discarded companies with fewer than five in-state 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:

      1. The Ohio Legislature, “Section 3905.423.” Accessed Sept. 10, 2025.

      Not sure how to choose?

      Get buying tips about Home Warranties in Ohio delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thanks for subscribing.

        You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

        Compare Top Ohio Home Warranty Companies

        Showing 10 of 33

        Want your company to be on this guide?

        Yes, continue
        Comparing

        ×