Best overall
American Home Shield
3.7
108,819 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best Home Warranties in Phoenix, AZ
- Best overall
American Home Shield3.7(108,819) - Best technicians
Cinch Home Services4.0(12,187) - Claims handling
Regency Total Warranty4.1(984)
By:
Matt Zane
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in Phoenix, AZ
American Home Shield is the best home warranty company in Phoenix, based on recent reviews from local homeowners. Cinch Home Services is a good choice if you want experienced contractors. Regency Total Warranty stands out for efficient claims resolution.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,790,241 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 Phoenix
- Best overall: American Home Shield
- Best technicians: Cinch Home Services
- Best claims handling: Regency Total Warranty
- Best for quick service: Choice Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Arizona. We choose the best home warranty in Phoenix by comparing local reviews, plans, costs, coverage caps and labor guarantees.
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(s) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.7
108,819 reviews
108,819 reviews
| Best overall | $29.99 | $100 or $125 |
 Cinch Home Services | Get a Quote | 4.0
12,187 reviews
12,187 reviews
| Best technicians | $38.99 | $100, $125 or $150 |
 Regency Total Warranty | Learn More | 4.1
984 reviews
984 reviews
| Claims handling | $44.99 | $60 to $100 |
 Choice Home Warranty | Get a Quote | 4.0
72,895 reviews
72,895 reviews
| Quick service | $46.83 | $100 |
Our 4 Phoenix home warranty company picks
Learn more about the top home warranty companies based on verified reviews from customers in Phoenix and across Arizona on ConsumerAffairs.
Best technicians
Cinch Home Services
4.0
12,187 reviews
- Plans available
- 3
- Service fees
- $100, $125 or $150
- Starting costs
- $38.99
- Labor guarantee
- 180 days
Best claims handling
Regency Total Warranty
4.1
984 reviews
- Plans available
- 2
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best for quick service
Choice Home Warranty
4.0
72,895 reviews
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Home Warranties in Phoenix, AZ Buyers Guide
Jump into our guides and start learning
In this guide
Phoenix homeowners know that AC units fail under the stress of 110-degree days, and dust storms can wreak havoc on outdoor systems. A home warranty helps cover the high cost of repairs and replacements.
In Phoenix, prioritize a plan with the highest possible coverage limit for your HVAC system.
Jump to insightPhoenix home warranty plans generally cost $30 to $90 per month. What you pay depends on the plan details, service fee and any extra coverage.
Jump to insightCosmetic issues such as rust, dents and scratches are usually excluded from coverage.
Jump to insightHow to choose a home warranty in Phoenix
Choosing a home warranty in Phoenix starts with understanding your specific home’s needs, then comparing real-world reviews, sample contracts and coverage options. Here’s what to focus on as a Phoenix homeowner:
1. Decide what coverage you need
Begin by determining whether you need warranty protection for appliances, systems or both. If your air conditioner and pool are older, but your kitchen appliances are new, systems coverage should be your priority. However, if you worry about costly breakdowns across the board, a combo plan offers more peace of mind.
In Phoenix, prioritize a plan with the highest possible coverage limit for your HVAC system. A summer breakdown is a critical emergency. Also, ensure the plan covers hard water damage.
2. Compare costs
Don’t just compare the lowest monthly premiums. Calculate your total out-of-pocket costs, including service fees per claim, since these can add up quickly if you need multiple repairs.
Don't opt for the cheapest plan in Phoenix. The potential cost of an AC replacement ($7,000-plus) means a premium plan with a high payout cap offers far greater financial protection and peace of mind than a basic plan with a low limit.
Also, look at each plan’s coverage caps and add-on options, since extras like pool or guest house coverage will increase costs.
3. Review sample contracts
Always review sample contracts before you buy. These documents clarify what’s covered, what’s excluded and what steps you’ll need to follow for service.
When reading contracts in Phoenix, check for clauses about AC maintenance, as providers may require proof of annual service. Also, look for exclusions related to dust or sand damage to outdoor condenser units and any limitations on hard water damage coverage.
Thomas from Phoenix said his provider told him that “they weren't going to cover anything related to my heat pumps because I was not having them serviced.”
Local homeowner Zack was given this reason for a claim denial from his provider: “it has been determined that the AC system compressor and electrical components are failing due to damage caused by an electrical power surge. … Your policy has the following exclusion, all systems must become inoperative due to normal wear and tear.”
4. Read customer reviews
Local reviews are invaluable when choosing a plan in Phoenix. Look for feedback on AC repair speed during summer, whether service providers show up on time and if customers feel claims are handled fairly.
Positive experiences usually highlight quick claims approval and effective repairs, while negative reviews suggest delays or denied claims.
Be sure to read into how quickly a company responds and whether it processes claims on weekends. Chris from Phoenix was disappointed that his provider didn’t respond urgently to an emergency situation. “AC went out on Friday evening. … They called first thing Monday saying not open weekends. 3 days in record 111 degree heat with no air.”
» MORE: How to choose a home warranty
How much does a home warranty cost in Phoenix?
The average annual cost of a home warranty is $684 in premiums as of June 2025. A Phoenix home warranty costs between $360 and $1,080 per year in Phoenix, based on plans from our top picks. Just remember that your cost mostly depends on the coverage you choose and what add-on options you select.
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 |
Cinch Home Services | Get a Quote | $38.99 to $66.99 | $100, $125 or $150 |
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 |
Monthly or annual premiums
Phoenix homeowners can pay for their home warranty monthly or annually. Spreading payments out monthly helps with budgeting, but annual payment options often come with discounts.
Service call fees
Every time you request service, you’ll pay a fee to have a technician visit and diagnose the problem. In Phoenix, this usually ranges from $75 to $150, depending on your plan.
Add-on coverage
Most home warranty providers let you customize your plan with add-ons for things like pools, guest units and water softeners. Expect to pay $2 to $25 more per month for each add-on.
Other home warranty cost factors
Home warranty pricing in Phoenix is shaped by:
- Home size and type: Larger homes and those with pools or casitas cost more to cover.
- Level of coverage: Basic plans cost less but may not cover what you need. Comprehensive plans are more expensive but reduce your risk.
- Location: The extreme Phoenix climate may affect home warranty prices.
- Discounts: Bundling, annual payment or loyalty discounts can help lower your rate.
Example: total annual home warranty costs
- Systems coverage ($60 per month): $720 per year
- Add-on for pool and spa ($15 per month): $180 per year
- Add-on for septic system ($7 per month): $84 per year
- Three claims ($75 service fee): $225
- Total: $1,209 per year
What does a Phoenix home warranty cover?
Home warranty companies in Phoenix offer a mix of appliance, systems and combo plans. Coverage options typically include:
- Appliance plans: For kitchen and laundry appliances such as refrigerators, dishwashers and washing machines.
- Systems plans: Cover major home systems like HVAC, plumbing and electrical.
- Combo plans: Provide coverage for both appliances and systems, often with higher payout limits.
You can also tailor your protection with add-ons. In Phoenix, pool and spa coverage is a must for most homes, and water softener or guest house protection can be equally important.
Pool and spa coverage is a non-negotiable add-on for many Phoenix homes. Water softener protection is also a smart investment to deal with hard water. Coverage for a guest house or casita is also worthwhile if you have one on your property.
» LEARN: What can void your home warranty?
How much can you save with a Phoenix home warranty?
The amount you save depends on the repairs or replacements your home actually needs. But in Phoenix, where AC and pool system failures are both costly and common, a single major claim can easily offset your annual warranty cost.
The Consumer Financial Protection Bureau suggests budgeting 1% to 3% of your home’s value each year for maintenance and repairs. With a home warranty, your out-of-pocket costs typically fall below this range — especially if you avoid just one large repair bill.
Average repair/replacement costs for covered items
In a city like Phoenix, where sweltering heat places extreme demand on HVAC systems and pool equipment, and very hard water damages water heaters, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Phoenix without a home warranty:
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC (furnace/AC) | $130 to $530 | $3,000 to $5,000+ | Yes |
| Pool | $239 to $1,124 | $1,500 to $5,000+ | Add-on ($10 to $20 more per month) |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
FAQ
How does a home warranty work?
A home warranty is a service contract for home systems (e.g., HVAC) and appliances (e.g., washer/dryers). You pay a set fee each month or year, plus a service fee for each repair call. When something breaks, you file a claim. The warranty provider sends a contractor and pays them to fix it. If it can’t be fixed, the company helps pay for a replacement.
Is a home warranty worth it in Phoenix?
A home warranty can be worth it if you want the peace of mind of a regular bill rather than unexpected repair or replacement costs.
An AC system is an essential service for safety in Phoenix. Having a plan to manage the high cost of repair or replacement can be a good investment.
What does a home warranty not cover?
Most home warranty plans don’t cover preexisting conditions, improper installation, cosmetic damage and items still under a manufacturer’s warranty. Routine maintenance is also usually not included.
Additionally, if your outdoor AC condenser unit in Phoenix fails because it is packed with dirt and debris, the provider could deny the claim. This would fall under a maintenance exclusion if the unit was never hosed off.
Coverage limits also apply. As an example, plumbing might be capped at $1,000, meaning you would owe $600 on a $1,600 job.
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 Phoenix, then evaluated which performed best for local residents.
We prioritized real customer experiences in Phoenix and also gave extra weight to reviews from Arizona. National reviews were also considered, but with much lower weighting. 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 charges 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.
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Read Phoenix home warranty company reviews
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 3.7
108,819 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 |
| 4.0
12,187 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 |
| 4.1
984 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 |
| 4.0
72,895 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 |
 | 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 |
 | 4.3
1,339 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 |
 | 4.0
8,874 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 |
 | 4.2
455 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 |
 | 4.2
2,752 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 |
 | 3.9
2,066 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
 | 3.7
15,948 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 |
 | 1.9
619 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 |
 | 2.0
132 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 |
 | 1.9
9 reviews
| Serves counties in Arizona and Utah. Includes home repairs, maintenance, preventive care services and warranty protection. 24/7 emergency response and responds within two minutes on the app. $75 deductible. | Read reviews |
 | 1.5
2,027 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 |
 | 1.3
324 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 |
 | 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 |
 | 1.1
347 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 |
 | 1.1
109 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 |
 | 1.1
4,023 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 |
 | 1.1
6,703 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 |
 | 1.2
2,018 reviews
| Offers plans in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary, but expect to pay around $61.25 per month for a combo plan. Deductibles are $70 or $100. Pest control, re-key and termite coverage included. | Read reviews |
 | 1.0
815 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 |
 | 1.0
873 reviews
| Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state, but expect to pay from $32 per month to $59 per month. Deductibles are $69. Some home maintenance services included. | Read reviews |
 | 1.2
23 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 |
 | 1.0
2,271 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 |
 | 5.0
View profile
| Over 36 years serving homeowners with in-house technicians. Licensed professionals in HVAC, plumbing and electrical services. High claim approval rates. Local managers handle accounts. Reports round-the-clock call center. | Read reviews |
 | 1.0
View profile
| In business for over 40 years. Provides home warranties in Arizona, Florida, Nevada and Texas. 18 local service centers. Provides service technicians for service calls. Starting prices range from $270 to $950 per year. | Read reviews |
 | 1.0
View profile
| Services the Phoenix metropolitan area and its surrounding cities. Offers repairs and replacements for normal wear and tear with in-house technicians. Provides 24/7 emergency response and personal follow-ups. | Read reviews |
 | 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. | |
 | 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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