Heating a home can be a significant project. For many areas in the country, the heating system or furnace is only turned on a few months of the year. When things are first turned on for the season, there are often issues with how the system starts up and how it functions. Luckily a home warranty company can ensure that your furnace is back up and running in a short period of time.

A furnace will be covered as part of your home heating system. With a furnace that is appropriately functioning your home can stay warm and comfortable all winter long. Many home warranty companies will vary their coverages and services when it comes to furnaces. These are typically expensive systems in the home to maintain, and it’s very important to ensure you are adequately covered. Let’s take a look at the top five best home warranty companies for furnaces.

Top 5 Best Home Warranty Companies for Furnaces

  1. Choice Home WarrantyBest Appliance Coverage
  2. Liberty Home GuardMost Trustworthy
  3. Select Home WarrantyMost Affordable
  4. American Home ShieldMost Customizable
  5. First American Home Warranty: Best Appliance Coverage

Compare The Best Home Warranties with Furnace Coverage

ProviderMonthly CostService FeeBBB RatingStates Covered
Choice Home WarrantyBasic Plan: $45/month
Total Plan: $53.33/month
$85B-47 states, not including CA, NV
Liberty Home GuardAppliance Guard: $64.99/month
Systems Guard: $69.99/month
Total Home Guard: $74.99/month
$75A+46 states (Not including CA, WA, WY, WI)
American Home ShieldShieldSilver: $34.99-$49.99/month
ShieldGold: $44.99-$59.99/month
ShieldPlatinum: $59.99-$74.99/month
$75-$125B49 states (Not including AK)
Select Home WarrantyBronze: 36/month
Gold: $36/month
Platinum: $38/month
$75B46 states(Not including NV, NY, WA, WI)
First American Home WarrantyBasic Plan: $38/month
Premier Plan: $48.50/month
$85B33 states (not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty for furnaces. Regardless of the age of your furnace, Choice Home Warranty is still going to offer coverage to you as a homeowner. With more than 13 years in the industry, Choice Home Warranty has put together some of the most impressive and reasonably priced technology on the market. The Choice Home Warranty also has very high coverage limits attached to their policy, especially when it comes to heating systems.

The Choice Home Warranty will cover your primary heating source to the home, not to exceed a five-ton capacity. The furnace must be one that is designed specifically for residential use. In addition, the diagnosis and access of the repair will also be covered when it comes to working with your heating system. The overall coverage cap for the Choice Home Warranty heating system is $3000; this is the highest that you will find. 

Pros & Cons

Pros

  • Straightforward service contract
  • 90-day workmanship guarantee
  • Fair pricing for combo plan
  • Plenty of add on options
  • More than 13 years in the industry

Cons

  • No ability to build a custom plan

Plans and Pricing 

PlanPrice Per MonthPrice Per Year
Basic Plan $45$560
Total Plan$53.33$660

Coverage

In addition to heating system coverage, Choice Home Warranty offers a variety of other coverages as part of their home warranty plan. There are only two plan choices to choose from, and the Total Plan will be the best overall option. This tends to be the best plan with full coverage for your furnace and other expensive systems and appliances. 

When it comes to coverage caps and fair pricing, nobody on the market will beat Choice Home Warranty. If you have a high-end residential furnace that may be expensive to fix, Choice can help you keep overall costs down

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. Liberty Home Guard

Liberty Home Guard is a newer home warranty company that provides a great deal of furnace coverage for homeowners. With the Liberty Home Guard plan, all components and parts that are part of the heating system are covered under the policy. In addition, if there are issues with reversing valves and circulating pumps, those will also be covered under the plan. In addition, the Liberty Home Guard plan comes with replacement coverage and up to $2000 in coverage limits. 

The Liberty Home Guard plan has only been on the market for two years, but in this period, they have maintained an A rating with the BBB. This is something that is quite rare for a home warranty company, especially a newer one.  

Pros & Cons

Pros

  • Good speed of service
  • It has a 60-day workmanship guarantee
  • An extensive list of add on coverages
  • 365 days a year of customer help and service

Cons

  • Priced a bit higher than other companies
  • Newer home warranty company

Plans and Pricing 

PlanPrice Per MonthPrice Per Year
Appliance Guard$64.99$649.99
Systems Guard$69.99$699.99
Total Home Guard$74.99$749.99

Coverage

The Liberty Home Guard policy coverage is quite broad and covers a wide range of systems and appliances. Having access to the Liberty Home Guard customer service line 365 days a year, 24 hours a day, makes this an excellent investment for homeowners. If your furnace goes down in the middle of the winter, you will know precisely how to get in touch with LHG. 

It’s smart to consider the longevity of a home warranty company, yet you can’t make it your only reason to purchase from one provider. Give Liberty Home Guard a chance, and you will be more than happy with your home warranty plan and furnace coverage.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. 

To learn more information, visit our Liberty Home Guard review.

3. American Home Shield

American Home Shield  is a premium home warranty company for furnaces that have been on the market for more than 50 years. American Home Shield stands out from other policy choices on the market because it offers a completely customizable plan. If you want to include your furnace, swimming pool, and kitchen appliances, you can easily do that with the AHS plan. 

The American Home Shield heating system coverage allows for up to $1500 in funds to replace or repair your furnace. In addition, this $1500 will cover the diagnosis of any issues that are occurring. In addition, you will get up to $1000 in coverage for any ductwork issues related to the functionality of your furnace. 

Pros & Cons

Pros

  • More than 50 years in the industry
  • Customizable plans
  • Premium coverage for heating system
  • Payment plan choices

Cons

  • Pricing tends to be a bit higher than some other providers

Plans and Pricing

PlanPrice Per MonthPrice Per Year
ShieldSilver Systems Plan$39.99$479.88
ShieldGold Combo Plan $49.99$599.88
ShieldPlatinum Combo Plan$64.99$779.88

Coverage

American Home Shield not only offers customers the ability to customize the plan, but the pricing is also customizable. If you want to pay a bit more for your monthly payment but have a lower service fee, AHS gives you that option. The ShieldPlatinum Combo Plan is the most popular for those that have a furnace they want to be protected. The additional coverage you get with this plan will be well worth the price. 

For reliability, professional workmanship, and no-hassle claims, American Home Shield is a very smart home warranty company to consider. Even though the pricing tends to be a bit higher, don’t let this stop you from getting your home warranty started today.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839. 

To read more, visit our American Home Shield review.

4. Select Home Warranty

Select Home Warranty is a very reasonably priced choice for home warranties for furnaces. The Select Home Warranty policy has been on the market for more than nine years, and they offer very fair value with all of their plans. In addition, you will get free roof leak coverage in combination with your furnace coverage. Select Home Warranty is very strict about the contractors they use and the workmanship that they require for contractors to respond to a call. 

With the Select Home Warranty having some of the better prices on the market. Many homeowners will worry about the limits of the coverage. However, for heating systems, Select Home Warranty will offer up to $2000 in coverage. This is a great amount that will work for furnaces in a wide range of homes. 

Pros & Cons

Pros

  • Easy to work with
  • Free roof leak coverage with each plan
  • Excellent value for the coverage provided
  • Has more than nine years of experience in the industry

Cons

  • Coverage caps are not as high as some other plans
  • It won’t provide complete customization like the AHS plans

Plans and Pricing

PlanPrice Per MonthPrice Per Year
Gold Care$52.00$579.99
Bronze Care $52.00$579.99
Platinum Care$58.00$649.99

Coverage

Overall you will find that the Platinum Care plan from Select Home Warranty is one of the most fairly priced comprehensive plans on the market. In addition, the price of the Platinum Care plan is just a few dollars more than that of the Gold or Bronze. For full furnace coverage, the Platinum Care plan is the best choice. 

Homeowners trying to keep monthly expenses down but still be able to protect their furnace will enjoy all that the Select Home Warranty has to offer.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

5. First American Home Warranty

First American Home Warranty is a comprehensive home warranty service provider with a simple and straightforward policy to include the heating system. First American Home Warranty is one of the longest-standing home warranty providers on the market, with more than 35 years in the industry. The First American Home Warranty covers gas, electric, and oil furnaces and the thermostats that go with them. In addition, the heat pumps, radiators, and heating elements are all covered as part of the policy. 

With the First American home warranty plan for furnaces, you can count on impressive customer service and quick response times to calls. In addition, the coverage limits for the furnaces are not all that well-defined, meaning you will have at least $1500 in coverage, if not more. 

Pros & Cons

Pros

  • Excellent appliance coverage for new construction homes
  • Fair pricing
  • Some systems with no coverage caps
  • Option for 24/7 service calls

Cons

  • The contract can be a bit confusing with lots of technical terms

Plans and Pricing

PlanPrice Per MonthPrice Per Year
Basic Plan $38$456
Premier Plan $48.50$582

Coverage

The First American Home Warranty is an affordable policy with great furnace coverage.  To ensure that your heating system is adequately protected, it is essential to consider the Premier Plan. These are the options that all allow for the most comprehensive coverage. In addition, there is a first-class upgrade that you can purchase to help increase the coverages on your policy.  

With over 40 years in the industry, customers have really learned to trust and rely on the coverage from the First American Home Warranty.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

To find out more, read our First American Home Warranty review.

Does Your Furnace Need A Home Warranty?

All home systems and appliances have a certain value associated with them. This value will impact both the repair and replacement of these items. When you are considering the furnace, you must take into consideration the high price and value of a furnace. 


The furnace is a system that must be in working order when the temperature outside starts to drop. Not only will you be uncomfortable should your furnace start to experience issues, but there are also problems with pipes freezing and other home systems shutting down that need to be taken into consideration. 

To have a heating and cooling technician come to your home and inspect the furnace, they will charge a fee. This fee is typically going to be considerably higher than the service fee associated with a home warranty plan.  Repairs on furnaces and their parts can range from $200-$2000. The home warranty will cover all of this. 

If your home has a furnace and uses it, it pays to have home warranty coverage in place. 

What To Look For When Choosing a Home Warranty For A Furnace

There are several factors to consider when choosing a home warranty policy for a furnace. We tried to outline each of these features when we gave you our review of the top five best home warranties for furnaces. However, here are the factors that you can use to decide which home warranty plan will be the best one for your furnace. 

Plans and Coverage

The plan that you purchase is going to cover more than just your furnace. Most home warranty plans are sold as either appliance or system plans. The system plans are the best choice for those that are looking for furnace and heating system coverage. Comprehensive plan options allow you peace of mind for your appliances and systems. 

Price and service fees

The price of a home warranty policy for a furnace will range from around $35 a month to more than $75 a month. The price will vary mostly depending on the number of add-on coverages that you include in the policy. To ensure that the price and service fee do not get too high, try to be a bit more selective in the coverages you choose. 

Replacement Options

Most home warranty plans come with replacement coverage for a furnace. You won’t be able to expect the plan to cover the entire cost of a replacement, but a good portion will be covered. 

Pre-existing conditions

Pre-existing conditions with furnaces will not be covered under your new home warranty plan. Ensure everything is in working order if you plan on starting your home warranty. Don’t’ try to hide issues as that will disqualify your furnace completely from future service. 

Location

Home warranty companies offer furnace coverage across the nation. However, typically plans in the northern states where the weather gets quite a bit cooler will have very impressive furnace coverage. Choice Home Warranty is offered in 47 states and has good availability everywhere you look. 

FAQs About Home Warranties for Furnaces

What is a service fee?

A service fee is a price a homeowner pays each time they need to schedule service for their home systems or appliances. Service fees will range in price from around $60 a month to more than $150 a month. A service fee is similar to what you would pay a contractor to come and look into an issue with your system or appliance; however, it is the only out-of-pocket expense associated with most home warranty policies.


Do home warranties cover furnaces under heating coverage?

A furnace is covered under the heating system coverage of a home warranty. Most companies will cover the furnace, the connections to the furnace, most individual parts, and even the thermostat associated with the furnace.


Is furnace home warranty coverage worth it?

Furnace home warranty coverage is well worth the price. Since furnaces are expensive and require certified repair technicians to work with them, the overall value you get with a home warranty plan is quite good. Not all appliances and systems have the same need for a warranty the way that the furnace does.


Will a home warranty cover an old furnace?

Most home warranty plans will cover a furnace regardless of its age, you can’t expect to get much money for a replacement in these situations, but you will still have some coverage to go off of. The Choice Home Warranty does not turn homeowners down due to the age of a home.


Final Thoughts

At this point, you should feel a bit more knowledgeable about the coverage available for your furnace. The furnace is an essential part of a home, and when it breaks, it can be thousands of dollars to fix it. Let Choice Home Warranty handle this for you with a fairly priced home warranty option that offers tremendous benefits and high coverage limits. For the best possible furnace coverage, Choice Home Warranty is the best choice. However, with the impressive reputation and history of all five of these home warranty companies, don’t hesitate to get multiple quotes. 

See the Best Home Warranty Companies in Your State

Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to  come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for discounts and then give yourself the peace of mind that you deserve.

Editorial Contributors
Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

Learn More

Roxanne Downer

Editor

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.

Learn More