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Home warranties are designed to protect your home’s appliances and systems from breakdowns caused by normal wear and tear. Learn more about the best home warranty providers and their coverage, costs, and plans in this comprehensive review.

Our team has analyzed dozens of home warranty providers, grading each on factors such as cost, coverage, and service. This guide is meant to assist you in your search to find the right home warranty for your needs.

Keep reading to learn more about home protection plans to help you choose the right coverage for you and your home.


Compare Top Home Warranty Companies

ProviderAverage Monthly CostService FeeBBB Rating
American Home Shield$30–$75$75–$125B
Cinch Home Services$35–$62$100–$150B+
Select Home Warranty$41–$47$75B
Liberty Home Guard$45–$55$65–125A
AFC Home Club$38–$54$75–$125B
2-10 Home Buyers Warranty$22–$60$65–$100B+
First American Home Warranty$37–$49$85B
ServicePlus Home Warranty$55–$60$75C-

*Better Business Bureau (BBB) ratings are accurate as of February 2022.


American Home Shield 

American Home Shield has been in business since 1971, and it is our top overall choice. Its home warranty plans are available in 49 states (all except Alaska) and take effect 30 days after purchase. American Home Shield is BBB-accredited with a rating of B.

To make it easy to file and follow-up on a claim, customers can track their claim through the American Home Shield website to more easily receive status updates. When filing a claim, you are assigned a contractor to address your repairs. If you choose to work with a contractor of your choosing instead, they must first be approved by American Home Shield.

Plan & Cost Breakdown

Though the pricing of the plan can vary depending on the plan you choose, the average cost of a home warranty from American Home Shield is around $30-$55 per month. All plans come with a recall period of 60 days for both labor and service recalls.

Plans can be individualized to set service call fees at $75, $100, or $125. By choosing a higher service fee, you may pay less on your premium, while a lower service fee will increase your monthly premium.

The company offers three different plan options:

CoverageShieldSilverShieldGoldShieldPlatinum
Monthly Cost$29.99-$44.99$39.99-$54.99$59.99-74.99
Roof leak repair– 
Air conditioners
Heating units
Ductwork
Built-in exhaust, vent, and attic fans
Main breaker and fuse panel box
Doorbells
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor
Water heaters
Refrigerators –
Ranges/cooktops –
Ovens –
Dishwashers –
Built-in microwaves –
Garbage disposals –
Instant hot/cold water dispensers –
Clothes washers –
Clothes dryers –

American Home Shield also offers a handful of add-ons including the following:

  • Pool and/or in-ground spa equipment
  • Well pump
  • Septic system plumbing and septic sewage ejector pump
  • Extended warranties for electronics


For more information about American Home Shield, our top-ranked provider, get a free quote online or call 844-529-9298.


Cinch Home Services

Cinch Home Services has served homeowners since 1978, and it offers unique perks not included in many other home warranty plans. These include a free water sensor with every plan purchase. In addition, Cinch is available in 48 states, excluding Alaska and Hawaii, so the majority of homeowners can enjoy Cinch’s excellent protection.

We recommend Cinch for its comprehensive coverage and unique benefits. Although Cinch’s prices are higher than many of its competitors, its most comprehensive plan covers 31 items, which is more than the industry average.

Plan & Cost Breakdown

Cinch offers three plans, and there are also several options for add-ons, allowing homeowners to customize their coverage to fit their needs. These prices reflect choosing a $125 service fee, but choosing a higher service fee will result in a lower monthly cost. Choosing a lower fee will slightly increase your monthly cost.

Cinch customers can expect to pay, on average, $28–$51 per month for the Appliances plan, $33–$58 for the Built-in Systems plan, and $40–$68 for the Complete Home plan. All work is guaranteed for 180 days.

Here’s a breakdown of what’s covered by each plan:

CoverageAppliancesBuilt-in SystemsComplete Home
Monthly Cost$27.99–$50.99$32.99–$57.99$39.99–$67.99
Clothes dryers– 
Clothes washers– 
Cooktops –
Dishwashers –
Built-in food centers –
Freestanding ice makers –
Built-in microwaves –
Ranges –
Range exhaust hoods –
Refrigerators –
Built-in trash compactors –
Wall ovens –
Air conditioning (including ductwork) –
Attic/ceiling fans –
Central vacuums –
Doorbells –
Electrical systems –
Garage-door openers –
Garbage disposals –
Heating system (including ductwork) –
Homeowners insurance deductible reimbursement –
Instant hot/cold water dispenser –
Plumbing system –
Smoke detectors –
Sump pump –
Toilets –
Water heater –
Built-in whirlpool/jetted bathtub –

Cinch offers these add-ons, which can be included at the time of checkout:

  • Pool
  • Spa
  • Pool with spa
  • Septic tank/pumping
  • Well pump
  • Premier Upgrade Package (covers expenses that are not normally included in typical home warranty plans, up to $1,000 per covered claim)

Homeowners interested in a Cinch Home Services plan can get a free online quote.


Select Home Warranty 

Select Home Warranty’s inexpensive plans and $75 service fee make it our top choice for homeowners who are shopping on a budget. This company was founded in 2012, and it is already available in 49 states (all except for Alaska). Its policies also take effect 30 days after purchase.

 

The company is not BBB accredited and has received a rating of B. To make it easier for customers, Select Home Warranty has a network of local professionals who perform all repairs and replacements. They also make it easy for clients to submit their claims online. 

We recommend Select Home Warranty because it is one of the cheapest home warranties, while still giving you value for your money. The company even offers discounts, especially for those who choose to purchase coverage for multiple years. 

Plan & Cost Breakdown

None of Select’s plans costs more than $50, making it among the cheapest companies in the industry, and its free roof-leak coverage and inexpensive service fee are two additional cost-saving perks to a Select Home Warranty plan.

The company offers three different plan options:

 CoverageBronze Care PlanGold Care PlanPlatinum Care Plan
Monthly Cost$41.67$41.67$46.08
AC/cooling –
Heating system –
Plumbing system –
Electrical system –
Water heater –
Ductwork –
Plumbing stoppage – –
Clothes washer –
Garbage disposal –
Refrigerator –
Stove/oven –
Microwave oven (built-in) –
Cooktop –
Dishwasher –
Clothes dryer –
Garage door opener
Ceiling fan –

You can also add-on coverage for the following items:

  • Pool and spa
  • Central vacuum
  • Sump and well pumps
  • Roof leaks
  • Stand-alone freezer
  • Lawn watering system
  • Septic tank and system
  • Lighting and plumbing fixtures
  • Refrigerator ice maker

For a free quote from Select Home Warranty, fill out this online form or call 888-370-3956.


Liberty Home Guard 

Liberty Home Guard is a newer company in the home warranty space, founded in 2019. Liberty serves 48 states, excluding Washington, Wisconsin, and Wyoming. Liberty Home Guard’s prices are excellent. Its service fees range from $65–$125.

Liberty’s plans are affordable, and its service is fast. Liberty estimates that more than half of covered claims have a technician on site to make repairs within 24 hours. Liberty’s plans cover the essentials, and it offers 28 add-ons, which allows customers to choose coverage that suits their needs without paying for extra coverage they don’t need.

Plan & Cost Breakdown

Liberty’s plans come with a 30-day money back guarantee, and all services come with a 60-day workmanship warranty. Service can be requested 24/7, and a Liberty agent will appoint one of its 10,000 certified technicians to come and make repairs.

Here’s what’s covered by each of Liberty Home Guard’s three plans:

CoverageAppliance GuardSystems GuardTotal Home Guard
Monthly Cost$69.99$74.99$79.99
Clothes washer –
Clothes dryer –
Refrigerator –
Built-in microwave –
Dishwasher –
Garbage disposal –
Range/oven/cooktop –
Ceiling and exhaust fans –
Garage-door openers –
Air conditioning
Heating
Ductwork
Plumbing
Electrical
Water heater


If any of these plans is lacking coverage, you can add on coverage at the time of checkout.

Here’s a full list of Liberty’s 28 add-ons:

  • Pool and spa
  • Well pump
  • Additional spa
  • Stand-alone freezer
  • Lighting fixtures
  • Gutter cleaning
  • Floor and carpet cleaning
  • Lawn sprinkler system
  • Swamp cooler
  • Second refrigerator
  • Ice maker
  • Wine cooler
  • Generator 
  • Grinder pump
  • Sump pump
  • Central vacuum
  • Septic tank pumping
  • Limited roof leak
  • Re-key 
  • Pest control
  • Water softener
  • Electronics protection
  • Ejector pump
  • Trash compactor
  • Freestanding ice maker
  • Saltwater pool
  • Plumbing fixtures
  • Water dispenser

For more information on Liberty and its low service fees, get a free quote online.


AFC Home Club 

We have found that the most customizable plans are provided by America’s 1st Choice Home Club. The company has been in business since 2009 and provides services in all 50 states. Its policies begin 30 days after purchase.

Not only does America’s 1st Choice Home Club offer the most customizable plan options, it also has some of the most liberal policies for choosing your own repair contractor. As long as a contractor is licensed, bonded, and insured, no prior approval is needed for them to proceed on repairs.

The company is BBB-accredited and has received a rating of B. America’s 1st Choice Home Club has received significantly fewer BBB complaints than any of the other top warranty providers, a testament to the quality of their customer service.

Plan & Cost Breakdown

Pricing for plan options will depend on the type of plan and service fee amount you choose, but an annual premium can start as low as $32 per month. Certain discounts are available, depending on the length of the contract or if you choose to pay the amount upfront instead of in installments. AFC’s service fee options include $75, $100, and $125.

The company offers four different plan options:

CoverageSystem PlanSilver PlanGold PlanPlatinum Plan
Monthly Cost$38.25–$42.75$31.50–$36.00$45.00–$49.50$49.50–$54.00
Air conditioning/cooler –
Heating systems –
Water heater –
Electrical system –
Plumbing system –
Plumbing stoppages–  – –
Ductwork –
Clothes dryer– 
Clothes washer– 
Kitchen refrigerator– 
Oven– 
Range– 
Stove/cooktop– 
Dishwasher– 
Garbage disposal– 
Garage-door opener– 
Built-in microwave– – – 
Ice maker– – 

You can also choose from the following optional add-ons:

  • Sump pump
  • Septic system
  • Hot water dispenser
  • Pool and spa
  • Stand-alone freezer
  • Tankless water heater

To get a free quote from AFC Home Club, fill out this online form.


2-10 Home Buyers Warranty 

2-10 Home Buyers Warranty (2-10 HBW) was founded in 1983, making it one of the most experienced providers in the home warranty industry. 2-10 HBW offers standard home warranty plans that cover appliances and systems, but it also offers structural warranties for new construction homes, including coverage for items such as distribution systems, columns, and load-bearing walls. 

Plan & Cost Breakdown

2-10 offers three home warranty plans with a variety of add-ons. The Simply Kitchen plan covers kitchen appliances only, the Complete Home and Pinnacle Home plans add home systems to the existing appliances coverage. With the Pinnacle Home plan, cosmetic parts are often covered, as well as crane cost and filters. Clothes washers and dryers are only available as an add-on.

2-10’s prices are competitive, as homeowners can choose a service fee between $65 to $100 for maximum customization.

Here’s a breakdown of 2-10’s coverage:

CoverageSimply KitchenComplete HomePinnacle Home
Monthly Cost$22.00$51.00$60.00
Built-in microwave
Dishwasher
Range
Oven
Cooktop
Refrigerator with ice maker
Heating system– 
Air conditioning– 
Plumbing system– 
Electrical system
Supreme upgrade–  –

If you need additional coverage, here are some of 2-10’s optional add-ons:

  • Luxury Package (to increase your coverage limits)
  • Washer and dryer
  • Roof leak
  • Supreme upgrade
  • Maximum HVAC coverage
  • Garage-door opener
  • Additional refrigerator
  • Additional wine cooler
  • Additional freezer
  • Additional wet bar refrigerator
  • Pool
  • Septic system
  • Well pump
  • Water softener
  • Extended pipe leak
  • HVAC tune-up

For more information about 2-10 HBW, get a free online quote.


First American Home Warranty 

First American Home Warranty is available in 35 states and provides the most comprehensive claim coverage on our list. This company was founded in 1984 and its policies begin 30 days after purchase.

First American is BBB-accredited with a B+ rating. While we ranked it third in regards to customer complaints, First American Home Warranty actively tries to address all complaints, especially those listed on the BBB site. 

Plan & Cost Breakdown

On average, the Basic Plan costs $37 per month, while the Premier Plan costs $49.50 per month, and both plans come with an $85 service fee. Homeowners can make unlimited service requests, and all plans have a recall period of 30 days.

The company offers two different plan options:

CoverageBasic PlanPremier
Monthly Cost$36.00$46.50
Washer/dryer
Refrigerator
Dishwasher
Oven range
Cooktop
Microwave
Garbage disposal
Trash compactor
Plumbing– 
Plumbing stoppages
Heating
Water heater
Electrical– 
Garage-door opener– 
Ductwork– 
Central vacuum system– 

You also have the option for several add-ons:

  • Central air conditioning (electric)
  • Additional fridge
  • Pool/spa equipment
  • Well pump
  • First Class upgrade (includes limited code update, building permits, haul away, cranes or other lifting equipment, deluxe A/C coverage, and additional protection)

Fill out this online form to get a free quote from First American Home Warranty.


ServicePlus Home Warranty

ServicePlus Home Warranty has served homeowners since 2016. In a few short years, it has already expanded service to include 48 states, all except California and Nevada. ServicePlus has several add-ons that are easy to include at checkout and are very competitively priced. For customers who want to customize their home warranty plans, ServicePlus Home Warranty has low base prices that allow flexibility when adding items.

Plan & Cost Breakdown

ServicePlus offers Gold and Platinum plans with a handful of available add-ons. The Gold plan covers appliances and systems around the home, and the Platinum plan adds protection for five of your home’s most essential items.

All plans with ServicePlus come with a $75 service fee, which is low for the industry.

CoverageGoldPlatinum
Monthly Cost$53.67$60.33
Plumbing system
Plumbing stoppage
Water heater
Whirlpool bathtub
Electrical system
Oven/range/stove
Cooktop
Sump pump
Built-in microwave
Dishwasher
Garbage disposal
Trash compactor
Ductwork
Garage-door opener
Ceiling and exhaust fans
Air conditioning (two units)– 
Heating system (two units)– 
Clothes washer– 
Clothes dryer– 
Refrigerator– 

Here’s a full list of optional add-ons:

  • Pool/spa
  • Limited roof leak
  • Central vacuum
  • Sump pump
  • Well pump
  • Septic system
  • Septic pumping
  • Second refrigerator
  • Stand-alone freezer
  • Water softener
  • Refrigerator ice maker
  • Freestanding ice maker
  • Additional appliances

For a free quote from ServicePlus, you can fill out this online form.


Final Thoughts 

Whether you’ve been considering a home warranty for a long time or you’ve just begun to learn, we hope this article is a helpful guide during your search. Our recommendation is that every homeowner reaches out to several home warranty providers to get free quotes using their own information to ensure the most accurate pricing information.
While American Home Shield scored as our top overall provider, we recommend each of these companies for different situations.


What is a home warranty? 

A home warranty is a residential service contract that covers the cost of the maintenance, repairs, or replacements of most systems and appliances in your home for a set period, usually one year. It is different from homeowners insurance, which can cover the loss of your home and belongings due to fire or certain other natural disasters.

A home warranty helps to grant you peace of mind, knowing that your systems and appliances are covered not just in case of an emergency, but also from daily wear and tear.

Policies are set up so that you can make monthly or yearly payments towards your premium. If something breaks and you need to have someone come take a look, you will be charged a service fee for the visit. Most companies offer unlimited visits, though some companies may have a limit on how much they are willing to pay. Make sure to read your service contract carefully.

What’s covered by a home warranty? 

Each home warranty plan will feature slightly different coverage, but here are some items that you can expect to see offered by most companies:

  • Air conditioning
  • Heating
  • Electrical
  • Plumbing
  • Microwave
  • Dishwasher
  • Refrigerator 
  • Washing machine
  • Dryer
  • Oven
  • Range
  • Cooktop
  • Garbage disposal

Are home warranties worth the cost? 

The cost of a home warranty comes down to a small cost now or the possibility of a larger cost later. While insuring your systems and appliances can cost a few hundred dollars each year, a warranty can protect you from paying even larger sums out of pocket for possible repairs. That being said, it’s possible you could pay for the warranty and then not need it if none of your appliances break.

In essence, home warranty coverage is worth the cost if you desire the peace of mind of not having to worry about the costs of home appliances and systems breaking down.

Do home warranties cover old HVAC? 

It depends on a lot of different variables, the biggest one being who your home warranty provider is and what plan you have with them. Generally, only the more expensive plans will include HVAC Systems, as they are very expensive to replace. 

Also, make sure you look over the fine print of your contract, because some home warranty companies will not cover items that have not been properly maintained. The question of what constitutes proper maintenance has caused many disagreements between home warranty companies and warranty holders filing a claim. So even if your plan covers HVACs, make sure to follow the recommended protocol of renewing filters and other maintenance.

How much does a home warranty cost? 

There is no single answer to this question, as the cost of a home warranty depends on several factors. These include the level of coverage you choose, taking into account the initial cost, any additional coverage, service fees, and possible other expenses. Aspects such as the type, age, and size of the house can also affect the cost. 

An average annual cost can range from $350 to $600 or more, depending on what the plan covers, whether only major appliances or also larger systems such as HVAC, plumbing, and electrical are covered.


Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.