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Best Home Warranty Companies in Ohio

We compared 33 companies and chose the top home warranty providers

    • Best overall
      American Home Shield
      3.7(110,003)
    • Furnace coverage
      First American Home Warranty
      4.0(8,915)
    • Claims handling
      Choice Home Warranty
      4.0(74,118)
    Author picture
    By: Alina Bradford
    +2 more
    Author picture
    Edited by: Cassidy McCants
    Author picture
    Fact-checked by: Jon Bortin

    Best Home Warranty Companies in Ohio

    American Home Shield 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.

    Home warranties can also help with everyday breakdowns for items like water heaters, garage door openers and ovens. In Ohio, plans typically run from $19.99 to $99.99 per month.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,836,532 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Key insights

    American Home Shield is our top choice in Ohio because its heating coverage is built for cold-weather wear and tear.

    Jump to insight

    Ohio homeowners pay an average of $61.69 per month for a home warranty, with quotes ranging from $240 to $1,200 annually, depending on the plan and provider.

    Jump to insight

    Given how punishing Ohio winters can be, it's smart to prioritize a home warranty with high furnace and boiler limits — not just the lowest monthly premium.

    Jump to insight

    Our 4 home warranty company picks in Ohio

    1. Best overall: American Home Shield
    2. Best furnace coverage: First American Home Warranty
    3. Best claims handling: Choice Home Warranty
    4. Best value: 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

    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 overall

    American Home Shield

    American Home Shield
    3.7
    110,003 reviews
    Plans available
    ShieldSilver, ShieldGold and ShieldPlatinum
    Monthly premium range
    $29.99 to $89.99
    Service fees
    $100 or $125
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield is our pick for the best home warranty company in Ohio because it balances broad coverage with limits that better match today's repair and replacement costs. Its top-tier plans cover key appliances and major systems, and the company's scale and long track record give it the resources to follow through when a claim is expensive.

    For Ohio, the biggest differentiator is heating. AHS offers a $5,000 cap for heating, which can matter a lot for boilers and other high-cost setups found in older homes. There’s a trade-off, though — the plan's $250 cap for code violations can be restrictive if an older furnace replacement triggers required updates.

    Base plans from AHS start at $39.99 a month in Ohio. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($39.99 or $49.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($59.99 or $69.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • ShieldPlatinum ($89.99 or $99.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    The premiums above are based on quotes we received for a three-bedroom, two-bathroom home in Columbus. The lower cost plan comes with a higher service fee.

    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
    Pros
    • High $5,000 limit covers expensive boiler and furnace replacements
    • Key systems covered in base plans
    • Covers preexisting conditions
    Cons
    • Low $250 cap on code violations
    • Relatively high service fees

    To understand how American Home Shield performs for Ohio homeowners, we looked closely at customer reviews. Technicians, punctuality and speed, and claims handling received the most positive feedback from local reviewers.

    American Home Shield review breakdown by category

    Ohio reviewers often describe AHS as easy to use for routine breakdowns, with a contractor network that can get common repairs moving quickly. However, some homeowners report scheduling delays or parts backorders — especially when demand spikes.

    “When I had a plumbing issue, American Home Shield promptly sent out JE Plumbing. The technician was efficient, showing me what was wrong with my garbage disposal and explaining what to do if the issue recurred. I was impressed with how quickly they responded to my claim.”
    Jo Columbus, OH
    “The response time was impressive, with the team arriving just a couple of days after I submitted my claim. Since the repair, everything has been running smoothly. They provided helpful advice on how to cover the hole and prevent future issues. Overall, my experience was quite positive.”
    Kelly Pickerington, OH
    “My heating went out on Thanksgiving Day and American Home Shield promptly arranged for a technician to visit. The representative I spoke with was helpful, and the interaction went smoothly. The technician arrived within two days and fixed the issue efficiently.”
    Stephanie Elyria, 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 furnace coverage

    First American Home Warranty

    First American Home Warranty
    4.0
    8,915 reviews
    Plans available
    Starter, Essential and Premium
    Monthly premium range
    $37 to $72
    Service fees
    $100 or $125
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American stands out for Ohio homeowners who want strong protection for heating equipment. Its coverage approach is geared toward major mechanical failures, and in many cases, it can mean the difference between a full replacement and a payout that falls short when a furnace fails at the worst time.

    This pick comes with an important boundary: the plan may fix the furnace itself, but it often won't cover the follow-on damage from winter disasters (like water damage after a frozen pipe bursts). In other words, it's a strong choice for the heating hardware — but you'll still want to read the fine print for what happens after the breakdown.

    First American plans cost $51.69 to $91.69 per month in Ohio. 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 $51.69 to $56.69.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $66.69 to $71.69.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $86.69 to $91.69.

    These premiums are based on quotes we received for a three-bedroom, two-bathroom home in Columbus.

    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
    Pros
    • Uncapped protection for heating units
    • First Class Upgrade covers code violations
    • No age limit on appliances
    Cons
    • Secondary damage from frozen pipes excluded
    • Base plan excludes AC

    Ohio homeowners often describe First American as a "peace of mind" purchase — something that's worth it when a major system acts up, and you need help getting a technician out. On the downside, some customers say repairs can stall when contractor availability is limited.

    “My family has First American Home Warranty. Having it for a couple of years now, my experience has been mixed. … Based on past interactions, I'd rate their overall warranty experience positively, but not without noting the expense associated with unexpected repairs not covered under their terms.”
    Christine Toledo, 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. … I truly appreciate the service they provide, and I happily give them my highest recommendation.”
    Sarah Norwalk, OH
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best claims handling

    Choice Home Warranty

    Choice Home Warranty
    4.0
    74,118 reviews
    Plans available
    Basic and Total
    Monthly premium range
    $46.83 to $54.75
    Service fees
    $100
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty is a strong option for Ohio homeowners who want a more streamlined claims experience, especially when something breaks, and you want status updates without constant back-and-forth. Reviewers frequently highlight quick scheduling and technicians who show up ready to diagnose and fix common problems.

    It's still important to read the contract details carefully. Like many providers, coverage can be narrower for "secondary damage" tied to a breakdown (for example, cleanup after a burst pipe). The claims process may feel efficient, but the policy terms still determine what you'll ultimately be paid for.

    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.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    The annual cost of plans ranges from $560 to $660.

    Add-ons and discounts

    • Optional add-ons
      • 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
    • Discounts: Annual price is for 13 months. 5% discount promotion available.
    Pros
    • Heating coverage included in base plan
    • Affordable high-tier plan
    • 90-day parts guarantee
    Cons
    • Heating limit may be low for boilers
    • Excludes AC from base plan

    To understand how Choice Home Warranty performs for Ohio homeowners, we looked closely at customer reviews. Technicians, punctuality and speed, and customer service received the most positive feedback from local reviewers.

    Choice Home Warranty review breakdown by category

    Ohio customers often say Choice is quick to assign technicians and get appointments on the calendar, with many noting same-day or next-day visits and capable contractors. A recurring complaint, though, is that the claim can sit in processing before a technician is officially dispatched.

    “My agent Stephen was very informative and professional. He worked very hard at getting me the best options and price for what I was looking for. As a retired, disabled Veteran, I need to watch every penny that I spend and Stephen was exceptional at getting me the best price.”
    Bryan Canal Winchester, OH
    “I have been with Choice Home Warranty for several years and have been very happy with them. They schedule your appointment very quickly to repair your problem. … I am very pleased with Choice Home Warranty and will stay with them, I couldn't have been treated any better.”
    John Cincinnati, OH
    “I highly recommend Choice Home Warranty to anyone that purchases a home. We have now used our Warranty on 5 different occasions. Calling Choice Warranty to handle all of our needs was the perfect decision, they were understanding, compassionate, and quick to send a service company.”
    Benea Michael Columbus, OH
    Best value

    Cinch Home Services

    Cinch Home Services
    4.1
    12,301 reviews
    Plans available
    Appliances, Built-in Systems and Complete Home
    Monthly premium range
    $38.99 to $66.99
    Service fees
    $100, $125 or $150
    Labor guarantee
    180 days
    Read Reviews

    Cinch is our pick for value in Ohio largely because its 180-day workmanship guarantee can reduce repeat costs when a repair doesn't fully stick the first time. For heating repairs in particular, that longer guarantee can help homeowners avoid paying multiple service fees for the same issue across a winter season.

    The main caveat is how strict Cinch can be with wear-related issues like rust and sediment. If you're dealing with an older boiler or long-neglected system, those exclusions can create surprises. But for newer systems where corrosion is less of a factor, Cinch can be a cost-effective way to get coverage and a longer workmanship backstop.

    Base plans from Cinch start at $19.99 a month in Ohio. Cinch offers service fees of $100, $125 or $150. The lower the service fee, the higher the monthly premium.

    • Repair Only ($19.99 to $31.99): Covers repairs for both systems (like heating, plumbing and electrical) and appliances (like washers, dryers and ranges). This plan is strictly for repairs and has a $1,000 limit per covered claim; it does not cover full replacements.
    • Repair + Replace ($44.99 to $56.99): Includes everything in the Repair Only plan but adds coverage for replacements if an item cannot be fixed. It increases the coverage limit to $2,000 per appliance and includes a $500 reimbursement benefit for homeowners insurance deductibles.
    • Repair + Replace Premier ($67.99 to $79.99): The most comprehensive option, covering everything in the Repair + Replace plan plus outside water and gas lines. It also adds a $2,000 allowance for typically noncovered costs like permits, code upgrades and equipment disposal.

    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
    Pros
    • 180-day workmanship guarantee
    • Low starting costs
    • Three service fee options
    Cons
    • Strict policy on rust and sediment
    • Few add-on options

    To understand how Cinch Home Services performs for Ohio homeowners, we looked closely at customer reviews. Claims handling, technicians, and punctuality and speed received the most positive feedback from local reviewers.

    Cinch Home Services review breakdown by category

    Ohio reviewers frequently mention that Cinch's online portal makes it simple to open and track claims, and many say the technicians they've met were professional and effective. The most common frustrations are longer waits when parts must be ordered and uneven experiences depending on the contractor assigned.

    “I've used Cinch around 10 to 15 times, and my experiences have been generally positive, with no major complaints. I particularly appreciate the online service, which is efficient. … Overall, Cinch has provided a reliable service that I continue to use confidently.”
    Casey Colerain Township, OH
    “The first time I called for assistance, they proved to be very efficient. The contractor that came out was extremely pleasant and courteous, which made the whole experience positive. They were quick to respond and resolve my issue promptly. I was satisfied with the quick care I received.”
    Kathleen Cincinnati, OH
    “The quality of the contractors has consistently been outstanding. … I genuinely feel Cinch's customer service and promptness in addressing issues bring a comforting sense of security, knowing that any issues are tackled as quickly as possible.”
    Rose Lebanon, 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

    American Home Shield logo
    First American Home Warranty logo
    Choice Home Warranty 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

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

      Jump to insight

      In Ohio, the average home warranty costs $61.69 per month. Depending on your plan, annual premiums range from $240 to $1,200. Service fees are usually $75–$150 per visit.

      Jump to insight

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

      Jump to insight

      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 $61.69 per month on average. Home warranty premiums generally range from $19.99 to $99.99 per month, depending on the plan. The average cost of a home warranty in Ohio is 8.8% 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.

      ProviderMonthly premium range*Service call fee
      american home shield logo$39.99 to $99.99$100 or $125
      first american home warranty logo$51.69 to $91.69$100 or $125
      choice home warranty logo$46.83 to $54.75$100
      cinch home services logo$19.99 to $79.99$100, $125 or $150
      american home shield logo$39.99 to $99.99$100 or $125
      first american home warranty logo$37 to $72$100 or $125
      choice home warranty logo$46.83 to $54.75$100
      cinch home services logo$19.99 to $79.99$100, $125 or $150

      *Data updated January 2026

      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

      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.

      » MORE: What to do when your home warranty claim is denied

      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 just needed his fridge running again, fast. “There was a lack of clear communication regarding what to expect, and I found myself without a working refrigerator for three weeks.” He praises the technician’s great work but says the claims timeline and uncertainty made an essential repair feel like a grind.

        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

      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:

      • Heating system limits (40%): Ohio's harsh winters mean a functioning furnace or boiler is a safety necessity, not a luxury. We scored companies with high liability limits for heating systems ($5,000 or more) and coverage for rust and corrosion much higher than those with standard caps ($2,000 or lower) or strict exclusions for older units.
      • Local satisfaction rate (35%): 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.
      • 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:

      1. The Ohio Legislature, "Section 3905.423." Accessed Jan. 27, 2026.

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