Best overall
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Ohio
- Best overall
First American Home Warranty4.0(9,093) - Furnace coverage
American Home Shield3.6(111,735) - Claims handling
HomeSafe4.3(699)
By:
Alina Bradford
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Ohio
First American Home Warranty is our recommendation for the best home warranty company in Ohio, thanks to strong coverage for major home systems and positive local reviews. When a furnace or boiler fails at the wrong time (like during a January cold snap), a home warranty can help you avoid a steep repair bill and get service scheduled quickly.
Beyond heating and AC, home warranty plans also cover everyday appliances like dishwashers, ovens and clothes washers. Coverage in Ohio is priced at $61.35 a month on average. In a state where winter drives most of the claims, First American’s high heating limit is the detail worth checking before you commit to a plan.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,947,670 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.
First American Home Warranty is our top choice in Ohio because its heating coverage is built for cold-weather wear and tear.
Jump to insightOhio's average monthly cost for a home warranty is $61.35. Annual premiums fall between $336 and $1,245, depending on the provider and plan.
Jump to insightGiven how punishing Ohio winters can be, it's smart to prioritize a home warranty with high furnace and boiler limits.
Jump to insightOur 4 home warranty company picks in Ohio
- Best overall: First American Home Warranty
- Best furnace coverage: American Home Shield
- Best claims handling: HomeSafe
- Best for quick service: Cinch Home Services
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.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 First American Home Warranty | Get a Quote | 4.0
9,093 reviews
9,093 reviews
| Best overall | $33 | $100 or $125 |
 American Home Shield | Get a Quote | 3.6
111,735 reviews
111,735 reviews
| Furnace coverage | $29.99 | $100 or $125 |
 HomeSafe | Learn More | 4.3
699 reviews
699 reviews
| Claims handling | $69 | $65 |
 Cinch Home Services | Get a Quote | 4.1
12,560 reviews
12,560 reviews
| Quick service | $27.99 | $100, $125 or $150 |
Our 4 Ohio home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Ohio on ConsumerAffairs.
Best furnace coverage
- 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
- Plans available
- Appliances, Systems and Best Home
- Monthly premium range
- $69 to $79
- Service fees
- $65
- Labor guarantee
- 60 days
Best for quick service
- Plans available
- Repair Only, Repair + Replace, Repair + Replace Premier
- Monthly premium range
- $27.99 to $89.99
- Service fees
- $100, $125 or $150
- Labor guarantee
- 180 days
Best home warranty companies by city
Home Warranties in Ohio Buyers Guide
Jump into our guides and start learning
In this guide
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.
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 for 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 much does a home warranty cost in Ohio?
A home warranty in Ohio costs $61.35 per month, on average. The cost of home warranty premiums generally range from $28 to $104 per month, depending on the plan. The average cost of a home warranty in Ohio is 9.3% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Ohio for a three-bed, two-bath home in Columbus.
| Provider | Monthly premium range* | Service call fee |
 | $48.79 to $103.79 | $100 or $125 |
 | $39.99 to $99.99 | $100 or $125 |
 | $69 to $79 | $65 |
 | $19.99 to $79.99 | $100 to $150 |
| $48.79 to $103.79 | $100 or $125 |
| $39.99 to $99.99 | $100 or $125 |
| $69 to $79 | $65 |
| $19.99 to $79.99 | $100 to $150 |
*Data from July 2026
What does an Ohio home warranty cover?
Ohio home warranty providers usually offer three kinds of coverage: appliance plans, systems plans and combination plans. Appliance plans typically protect your kitchen and laundry machines, while systems plans focus on things like heating, plumbing and electrical. Combo plans bundle both for maximum peace of mind.
You can often add extra protection for pools, electronics, roof leaks and more, depending on the provider.
Reviewers' experience filing home warranty claims in Ohio
Pat in Lewis Center was only five months into coverage when two everyday breakdowns hit back-to-back. “So far I’ve filed 2 simple claims; my dishwasher wasn’t draining and my disposal had stopped working.” With the repairs handled fast and service fees predictable, the monthly cost felt like money well spent.
Key takeaway: Simple claims and predictable monthly fees are far better than surprise repair bills
Sheila in Columbus had a smooth start when her microwave failed. She notes, "It was relatively easy to submit a claim and get the appointment set." The frustration came after approval, when replacement meant waiting: "I have to wait up to 30 days to receive the gift card," delaying the real solution.
Key takeaway: Claims are often easy, but replacement payout can take a while
Brian in Parma, however, would have appreciated more communication throughout the claims process: "The technician who came out was amazing ... The claims experience, though, was horrible. ... There were no clearly defined expectations on my part for what I should expect with the process."
Key takeaway: Great techs cannot fix a slow, unclear claims process
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
Why should Ohio homeowners compare heating coverage limits?
Ohio homeowners should compare heating coverage limits because furnace and boiler replacements can cost substantially more than a low plan cap. This is especially important in older homes that may also require code-related upgrades during installation.
Should Ohio homeowners choose a higher service fee?
Ohio homeowners should choose a higher service fee only if the resulting premium savings outweigh their likely claim costs. A higher fee may work for newer homes with fewer expected repairs, while a lower fee may offer better value for aging systems and appliances.
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.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in Ohio are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Ohio homeowners' most frequent complaints, we capture that in our review analysis.
- Heating system coverage (35%): Winters in Ohio put furnaces and heating systems under heavy strain. We weighted each company by its heating coverage caps and how it handles freeze damage, since a failed furnace in Ohio is an emergency, not an inconvenience.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Ohio. 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:
- The Ohio Legislature, "Section 3905.423." Accessed July 14, 2026.
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Compare top Ohio home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
First American Home Warranty
| 4.0
9,093 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 |
|
American Home Shield
| 3.6
111,735 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
HomeSafe
| 4.3
699 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
|
Cinch Home Services
| 4.1
12,560 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 |
Liberty Home Guard
| 4.6
1,947 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
| 4.4
2,961 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
| 4.1
77,555 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 |
Prestige Home Guard
| 4.2
10 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 |
Old Republic Home Warranty
| 3.8
2,364 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read reviews |
Select Home Warranty
| 3.7
16,627 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 |
Regency Total Warranty
| 3.4
1,166 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 |
Global Home USA
| 3.2
15 reviews
| 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 |
Super
| 2.7
445 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 |
HomeServe
| 1.7
2,145 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 $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
688 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 |
America's Preferred Home Warranty
| 1.6
17 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 |
Achosa Home Warranty
| 1.5
11 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 |
Sears Home Services
| 1.1
553 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
| 1.1
6,818 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 |
GE Service Contracts
| 1.2
367 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
| 1.2
1,978 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 |
Home Warranty of America
| 1.1
4,056 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
| 1.2
332 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
823 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
2,281 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 |
Home Warranty Inc
| 1.0
23 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 |
Frontdoor
| 1.0
30 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | 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 $85 to $100 service fee. Unlimited claims for covered repairs. | 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 $29.99 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
| 1.0
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 |
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