Home warranties provide great coverage for unexpected repairs and replacements of major home systems and appliances. You can get a home warranty policy on homes of any size and shape, including luxury ones. All major home warranty companies provide coverage for luxury homes.

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Sure, your homeowner’s insurance policy will cover some damages, but they almost always have a high deductible and don’t cover systems and appliances as home warranties do. So, if you only have homeowner’s insurance, you’ll have to pay for repairs and replacement of these items out of pocket. That’s where a home warranty policy helps the most – it can save you hundreds to thousands of dollars in costs.

With that said, finding the best home warranty providers for luxury homes with all the plan and coverage options is challenging. That’s why we researched all the top brands and made this top folist. We vetted every home warranty company with a microscope to ensure they have the best coverage for luxury homes.

The Best Home Warranty Companies for Luxury Homes in 2023

Luxury homes usually have higher-end appliances and home systems to match the aesthetics and provide enough capacity for the typically larger floor plan. So, most luxury homes need higher coverage caps and additional coverage above what usually comes with a standard home warranty policy.

Not every home warranty company provides the same amount of coverage, making finding the best one for your home critical. The top providers have high coverage caps, fair rates, low service call fees, great customer service, and several optional add-ons for luxury homes.

To find which home warranty companies are best for luxury homes, we researched them all and put together a list of the top four based on the above criteria.

Choice Home Warranty: Most Comprehensive Coverage
Most Comprehensive Coverage

Choice Home Warranty


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Limited Time: $50 Off + 1 month free when you sign up today!

Choice Home Warranty (CHW) is our top choice of home warranty company for luxury homes. It has high coverage caps, experienced and quick customer service, reasonable pricing and service fees, and a variety of optional add-ons. It offers various plans that luxury homeowners can choose from to get the best coverage for them.

Why We Chose CHW

Choice Home Warranty has plenty of experience in the industry with over 15 years in business. It is a top choice for luxury homeowners, landlords, home buyers, and real estate investors since it has a great track record and is easy to work with. Some advantages of CHW are its low-cost service fee of $85 and several optional add-ons that many luxury homes need.

  • High coverage caps
  • Several optional add-ons for luxury homes
  • You don’t need a home inspection to start a plan

CHW offers two home warranty plans and several optional add-ons to ensure you can cover everything you need in your luxury home.

  • The Basic Plan ($45 per month / $560 per year): This home warranty policy is lower cost and provides coverage for 14 home systems and appliances, including refrigerators, ovens, toilets, ductwork, plumbing systems, kitchen appliances, and more.
  • The Total Plan ($53.33 per month / $660 per year): CHW’s top plan with the most coverage, it protects 18 home systems and appliances, including clothes washer, clothes dryer, hot water heaters, stove tops, air conditioning systems, plumbing systems, dishwashers, and all items in the Basic Plan.
  • Services Fees: $85 flat
  • Optional Add-Ons ($40-$180 per year): Nine extra a la carte add-ons for septic systems, sump pumps, standalone freezers, wells, septic tank pumping, pools, spas, and some roof leaks.

You can get a Choice Home Warranty plan in every U.S. state except for WA.

Most Trustworthy

Liberty Home Guard


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Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.

Liberty Home Guard (LHG) excels as a home warranty provider for luxury homes because of its three comprehensive plans with plenty of optional add-ons. This makes it easy for homeowners to cover every major appliance and home system in their luxury homes. But for the best coverage, homeowners can choose the Total Home Guard Plan to combine most home systems and appliances, then add on the extras they need. But no matter which plan you choose, the service fee will be $75, which is lower than average.

From a consumer standpoint, LHG is ranked well. It holds an excellent A rating on the Better Business Bureau and a 3.9/5 star rating with TrustPilot.

  • Low $75 service fee
  • Plenty of a la carte options for luxury homeowners
  • Customer service is available 24/7 every day of the year

Liberty Home Guard has three home warranty plans and optional coverage:

  • Appliance Guard ($64.99 per month / $649.99 per year): Protects 11 home appliances, including dishwashers, built-in microwaves, garbage disposals, refrigerators, clothes washers, clothes dryers, ranges/ovens/cooktops, ceiling fans, cooktop exhaust fans, and more.
  • System Guard ($69.99 per month / $699.99 per year): protects major systems like plumbing, plumbing stoppages, water heaters, electrical, toilets, ductwork, heating, and air conditioning systems.
  • Total Home Guard ($74.99 per month / $749.99 per year): Combines the Appliance Guard and System Guard plans into one cost-effective plan.
  • Service Fee: $75
  • Optional Add-On Coverage: Extra plan options for light fixtures, pool/spa, lawn sprinkler system, locksmith, trash compactor, second refrigerator, ejector pump, pest control, water softener, and many more.

LHG offers its plans in 46 U.S. states; if you live in Washington D.C., IL, WI, WA, and WY, you’ll have to look.

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Select Home Warranty


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Select Home Warranty (SHW) is one of the most comprehensive home warranty providers for luxury homes. It offers three comprehensive home warranty plans and plenty of optional add-ons to get the most coverage in your luxury home. They also have lower service fees than most companies, which means you won’t have to pay a whole lot if you have an issue.

SHW is in great standing with its customers. It has a good B rating on the Better Business Bureau (BBB) and a solid 3.8/5 star rating on Trustpilot. A few great features about the company are its reasonable pricing, considering how many items they cover, and its roof leak coverage for living areas.

  • Plenty of add-on options for luxury homes
  • Lower service call fees than average
  • 90-day repair and workmanship guarantee

Select Home Warranty has three home warranty plans. For luxury homeowners, select enough coverage since you’ll likely have more appliances and systems.

  • The Bronze Care Plan ($58 per month / $630 per year): Provides coverage for eight appliances and systems, including your stove, cooktop, oven, built-in microwave, dishwasher, clothes washer, clothes dryer, refrigerator, and garbage disposals.
  • The Silver Care Plan ($57.67 per month / $630 per year): Covers six additional home systems and appliances, including your electrical, plumbing, air conditioning unit, heating system, hot water heaters, ductwork, and everything in the Bronze plan.
  • The Gold Care Plan ($62.08 per month / $699.99 per year): Combines everything in the Bronze and Silver Plans plus garage door openers, ceiling fans, and plumbing stoppages.
  • Service Fee: $75 to $125, depending on your location
  • Optional Add-Ons ($39.99-$99.95 per year): Extra optional coverage for central vacuum systems, ice makers, stand-alone freezers, refrigerators, light fixtures, electrical outlets, electrical switches, septic systems, well systems, sump systems, sprinkler systems, spas/pools, and roof leaks.

SHW offers its home warranty plans to 46 states. It is not available in NM, NV, WA, and WY.

Most Customizable

American Home Shield


Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

American Home Shield (AHS) is another great choice for your luxury home warranty. It is one of the oldest and most well-renowned home warranty providers, with over 45 years in business and 1.3 million+ customers.

Owners of luxury homes can choose additional coverage from the several optional add-ons AHS offers. Each of its three plans has high coverage caps and covers up to 33 systems and appliances (depending on the plan). American Home Shield has some of the best consumer ratings in the industry. It holds a great A+ rating on the Better Business Bureau and many positive reviews.

  • Cover up to 33 appliances and systems with a single plan
  • Large coverage caps of $3,000 or $6,000 depending on the plan
  • Many optional add-ons for additional coverage

American Home Shield offers three home warranty plans with varying levels of coverage:

  • SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Provides coverage for 19 appliances and systems, including smoke alarms, attic fans, garbage disposals, electrical systems, AC units, heating systems, HVAC systems, plumbing system, water heater, and many more.
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Protects 21 home systems, including microwave, oven, dishwasher, refrigerator, clothes washer, clothes dryer, and most items covered by the SheildSilver plan.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Covers 27 home systems and appliances, including everything in the ShieldSilver and ShieldGold plans with the addition of automatic roof leak coverage.
  • Service Fee: $75, $100, or $125

Additionally, owners of luxury homes can get the following add-ons:

AHS offers its home warranty plans in every U.S. state besides AK

What is a Home Warranty for Luxury Homes?

A home warranty is a service contract that helps cover repair and replacement costs on major home systems and appliances, such as your AC unit, furnace, refrigerator, dishwasher, etc. And for luxury homes, they’re no different – except you may need to add on optional coverage for extra systems and appliances.

Who Needs a Luxury Home Warranty

Anyone who owns a luxury home should consider getting a new home warranty policy. While luxury homes are built to last, they’re not indestructible. Things will break down and need repairs – it’s just a matter of time.

And if you’re like most people, you don’t want to spend an extra $5,000 or $10,000 of your hard-earned cash for these repairs. A home warranty policy can help you regulate your expenses, get fast response times for repair and replacement service, and give you peace of mind knowing that you’re covered.

What Does a Luxury Home Warranty Cover?

The coverage for luxury homes is the same as any other home. However, luxury homes generally have more coverage since they have additional covered appliances and home systems.

For example, a luxury home may be larger and have 2-3 air conditioning units or two sets of clothes washers and dryers. In that case, home warranties with add-ons are a necessity if you want to cover all items.

Also, luxury homes usually have high-end appliances too. So, a home warranty policy with high coverage caps is beneficial. Some home warranty service providers have a $500 limit per item, while others have a $1,000 limit. If you have high-end appliances, you’ll want to ensure they’re covered.

How Much Does a Luxury Home Warranty Cost?

The average home warranty policy costs between $300 and $500 per year. But, the price will increase if you add coverage for extra items or increase your coverage limits.

How Does a Home Warranty for Luxury Homes Work?

Whether you’re moving into your brand new luxury home or have lived in one for a while, the home warranty process is the same. When you have a home warranty policy, you can call your home warranty company when something breaks down and needs to be repaired or replaced.

The home warranty company will send a contractor to assess the damage. If they determine that it’s covered under your policy, they’ll proceed with the repairs or replacement.

Here is the home warranty process step-by-step.

Get a Luxury Home Warranty

Before making a home warranty claim, you must get a policy first. To get the best coverage for your luxury home, get a home warranty plan from one of the four providers we recommend above.

Remember, home warranties never cover pre-existing conditions.

Something Breaks in the Luxury Home

It’s bound to happen – something in your home will break. When it does, don’t panic. If it failed from normal wear and tear, find contact information for your home warranty company.

You Contact the Warranty Provider & File a Claim

Give them a call and tell them what happened. The customer service representative will ask you some questions about the problem and may even try to help you fix it over the phone. If the issue can’t be resolved over the phone, the home warranty company will send a contractor to look at it.

They Fix It, and You Pay a Service Fee

If the contractor determines that your home warranty policy covers the repair or replacement, they’ll go ahead and fix it. You will have to pay a service fee, usually between $60-$125, depending on the home warranty plan, company, and location.

Be Aware of Your Policy Limits and Coverage Caps

You must know your coverage limits when signing up for a home warranty policy. For example, some home warranty plans will only cover $500 per appliance or system, while others will cover $1,000.

Also, keep in mind that home warranties have coverage caps – the total amount the home warranty company will pay out per year.

Final Thoughts

A luxury home warranty is a great way to protect your budget against the high cost of repairs and replacements on major home systems and appliances.

When shopping for a policy, compare coverage limits, service fees, cancellation fees, and customer reviews to find the best fit for your needs. And, don’t forget to read the fine print, so you know what’s covered – and what’s an exclusion.

Best Claims Acceptance Rate
logo choice home warranty
Visit Site
Limited Time: $50 Off + 1 month free when you signup today!
Best Coverage Limit
american home shield
Visit Site
Limited Time: $150 OFF All Home Warranty Plans for new members.
Best for Customization
liberty home guard logo
Visit Site
Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
Visit Site
Limited Time: Use code HOUSE25 for $150 off & 2 months free.

FAQs About Luxury Home Warranties

Should I Get a Home Warranty on my Luxury Home?

Getting a home warranty is a bright idea if you want to protect your home and budget against the high cost of repairs. It’s imperative if your home has high-end appliances or systems that would be expensive to fix.

Does a Luxury Home Warranty Cover High-End Appliances?

Most home warranty companies will cover high-end appliances if you purchase a policy with high coverage limits. But, it’s essential to check with the provider to see their definition of a “high-end” appliance.

Are There Home Warranties for Luxury Homes?

There are home warranties for luxury homes, but they work the same as any other home warranty policy. But you may need to add on optional coverage for extra systems and appliances.

What is typically covered under a home warranty?

A home warranty typically covers repairs and replacements on major home systems and appliances, such as your AC unit, furnace, HVAC ductwork, garage door openers, refrigerator, dishwasher, clothes dryer, clothes washer, etc.

What is a service fee?

A service fee is a charge you pay to the home warranty company whenever they send a contractor to your home for a repair or replacement. This fee is generally between $50 and $100 but varies depending on the plan and the home warranty company.

Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

Editorial Contributors
Jonathon Jachura

Jonathon Jachura


Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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