Best Home Warranties in West Palm Beach, FL

Making the right home warranty choice in West Palm Beach involves more than just comparing prices. Follow these steps for a plan that actually delivers:

1. Decide what coverage you need

Start by considering whether you want a plan for appliances, systems or both. If your HVAC, plumbing and electrical systems are newer but your washer and refrigerator are aging, an appliance-only option could be enough.

If your appliances are still under factory warranty, but you worry about an expensive AC or furnace breakdown, a systems-focused plan will provide better value. Many local homeowners opt for combination plans for broader protection and higher payout limits.

In West Palm Beach, the biggest system risk is your air conditioning. Salt-laden air and high humidity cause corrosion and wear faster than inland areas. A combo plan with strong HVAC coverage — and no salt or corrosion exclusions — is non-negotiable.

2. Compare costs

Don’t be fooled by the monthly premium alone — focus on overall value. Factor in service fees, which typically run $75 to $125 per visit, as these can add up if you file multiple claims. However, if you have decent coverage, you could end up only paying your service fee and coming out with big savings in the end.

Florida customer Linda was more than happy to pay her service fee on two separate occasions. First, she needed a new pool timer: “I got one and all it cost me was $85, which was the service fee.” Later, her refrigerator stopped working, and when the technician determined it couldn’t be fixed, the company replaced it and “For $85, I got a new refrigerator.”

Don’t waste your money on a standard home warranty in West Palm Beach, as its corrosion exclusion will make it useless for your AC. It is worth paying a significant premium for a specialized plan that covers this real-world, inevitable problem.

3. Review sample contracts

Most providers post sample contracts online. Read these carefully to catch exclusions, including preexisting conditions, cosmetic issues and improper installation. Contracts will also detail waiting periods, claim steps, payout caps and cancellation fees.

The most important page of the contract is the exclusions list. If you see "corrosion," "rust," or "salt air" listed, the plan is not for you. American Home Shield is one of the few companies we reviewed that covers such damage.

4. Read customer reviews

Customer feedback gives you a real-world look at what to expect. Look for trends around claim approvals, contractor punctuality and transparency.

Marlene, a West Palm Beach resident, needed her AC unit repaired and filed a claim with her Choice Home Warranty over the weekend. On Monday, she received notification that a technician was assigned, and “He arrived Tuesday morning within the set time window and quickly assessed and fixed the problem. No hassle and easy to get done.”

Look for reviews from other residents of coastal South Florida like West Palm, Boca Raton or Fort Lauderdale. Specifically search for comments about AC claims and corrosion. This will tell you which, if any, companies provide legitimate coverage for this issue.

» MORE: How to choose a home warranty

The average annual cost of home warranty premiums is $684 as of June 2025. In West Palm Beach, you’ll pay between $360 and $1,080 per year for a home warranty, based on plans from our top picks. Your final cost depends on the plan features and which add-ons you select.

Cost range by home warranty provider

Monthly or annual premiums

Good home warranty companies let you pay monthly or annually. Monthly payments spread the expense, while annual payments may come with a discount. The exact amount depends on your provider and the plan you select.

Service call fees

You’ll pay a service call fee for each visit, similar to a per-claim deductible. These typically range from $75 to $150 per visit, depending on your location and plan.

Add-on coverage

You can personalize your plan with add-ons (for example, pool or sump pump coverage). Add-ons typically cost between $2 and $25 per month, depending on the item.

In West Palm Beach, homes with flat roofs or older tiles often suffer from leaks during tropical storms. Adding roof leak coverage is one of the most cost-effective ways to protect against thousands in emergency repairs.

Other home warranty cost factors

Home warranty prices vary based on several factors:

• Home size and type: Larger homes require more coverage and typically have higher premiums.
• Level of coverage: Affordable home warranty plans cover fewer items, while comprehensive plans cost more.
• Location: The cost of labor (and warranties) in West Palm Beach is higher than in most places.
• Discounts: You may be eligible for discounts on multiyear plans or other promotions.

Example: total annual home warranty costs

• Appliance coverage ($40 per month): $480 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Four claims ($100 service fee): $400
• Total: $1,000 per year

Home warranty plans in West Palm Beach generally come in three coverage types: appliance, systems and combination plans.

• Appliance plans protect items like refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
• Systems plans focus on core home systems such as heating, plumbing, electrical, water heater and ductwork.
• Combo plans offer the most extensive protection, covering both systems and appliances.

Many companies also let you add extra coverage, including roof leak coverage, pool and spa equipment coverage and protection for your septic system.

» LEARN: Home warranty misconceptions

Your savings depend on the repairs or replacements you need. A single covered breakdown can easily make the plan pay for itself.

The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value each year for repairs, which is much more than the $700 to $1,200 you might spend on a home warranty and a few service fees. Avoiding even one major repair can save you thousands.

Average repair/replacement costs for covered items

In a city like West Palm Beach, where hot, oppressive summers place relentless demand on HVAC systems and hard water damages water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in West Palm Beach without a home warranty: