Many homebuyers make a mistake in thinking that a new construction home is guaranteed free of issues. Unfortunately, shortcuts and mistakes during the building process can easily lead to breakdowns of home systems and even new appliances in new construction. Some states mandate that contractors provide warranties for this reason; residents in other states must search for the best home warranty for new construction.
In this guide, we’ll discuss what we believe are the best home warranty companies to choose if you’re purchasing a new construction home based on cost, value, and the coverage you’ll need most often for a brand-new house. We’ll also include some average pricing for each provider based on research completed by our secret shoppers.
What Are the Best Home Warranty Companies for New Construction?
We’ve conducted hours of research on home warranty companies that provide coverage for new construction homes, and we’ve determined that the below companies are the best options available.
Quick Tips When Shopping for New Construction Home Warranties
When you’re shopping for a home warranty for your new construction hom/app/Landing/me, you’ll want to make sure the policy you choose has a few specific characteristics. We’ll list what we believe are the most crucial factors to consider below.
- Coverage caps: First, your new home will likely have more expensive appliances and systems than an older home, so high coverage limits are helpful. This will help ensure that more of your issues are covered and that the policy provides the necessary repairs and replacements.
- Product offerings: Next, we suggest looking for a home warranty company with a wide range of coverage options, including a basic plan that covers the expected products and add-on options. New construction homes are more likely to be customized to your specific needs, so you may have things in your home that are less common and wouldn’t be covered by some home warranty providers. Some examples include hot tubs, guest units, wine refrigerators, and more.
- Workmanship guarantee: Finally, we suggest making sure your home warranty offers a solid workmanship guarantee. When you purchase a new home, the last thing you want is a less reputable home warranty company sending a sub-par contractor in to do shoddy work. With a lengthy workmanship guarantee, you can be sure that your provider is sending in a true expert and that the work will be high quality — precisely what you need in a brand-new home.
Compare the Best New Construction Home Warranty Companies
The table below provides a quick side-by-side look at what we believe are the best home warranty companies for individuals buying new construction homes.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.5 | 50 States |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.2 | 47 states, excluding NV, WA, and WI |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
* Liberty Home Guard service fees vary based on your location and home and are not determined by higher or lower monthly fees.
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard (LHG) is our top pick for home warranty coverage, especially if you want customizable coverage to meet your specific property. This company has fairly standard base coverage plans, but the 42 add-on options let you pick and choose additional protection for items you have in your new construction house. Since new construction is more customizable than buying an older home, the coverage from LHG might suit you perfectly.
We recommend you read through our Liberty Home Guard review for more information before deciding if this is the right company to protect your home.
Liberty Home Guard doesn’t have home warranty plans specifically catered to new home buyers, but its customization options make it a great option for those moving into new construction. It has three pre-set plans that cover the basics, plus more than 40 add-on products and services that you can use for unique protection catered to your property.
Liberty Home Guard’s plan prices are a little below average, but you should keep in mind that each add-on you choose will drive up your monthly cost. Still, if you’ve had a property built to your specifications, the additional coverage options might be what you need to get everything adequately protected at affordable prices.
Some of the nicest add-ons from LHG include exterior maintenance, carpet cleaning, and pest control — things to keep your new-construction home pristine and safe for years to come.
Liberty Home Guard has three plans: one for appliances only, one that solely covers home systems, and one comprehensive plan for total peace of mind. We’ll explain what exactly is covered by each below.
- Appliance Guard: The Appliance Guard plan protects all your new appliances. These include your fridge, range, oven, garbage disposal, microwave (built-in only), dishwasher, washing machine, and dryer. You also get coverage for exhaust fans, ceiling fans, and garage door openers. For new homes under 5,000 square feet, this costs an average of $49.99 per month.
- Systems Guard: The Systems Guard plan covers home systems and excludes all appliances. It will protect your heating and cooling systems, plumbing systems, and electrical systems — it also covers HVAC ductwork and water heaters. The average cost is $54.99 per month.
- Total Home Guard: The Total Home Guard plan is the most comprehensive option from LHG. It includes all appliances and home systems in the previous two plans. It’s also the best value offered, as it’s only $59.99 per month — or $5 to $10 more than the other options for double the coverage.
As mentioned above, Liberty Home Guard provides one of the most impressive lists of add-on coverages in the industry, so you can customize any of the plans above based on what you had included in your home when it was built. Below are all of the additional coverages you can choose from.
- Additional spa
- Carpet cleaning
- Central vacuum system
- Ejector pump
- Electronics protection
- Exterior power washing
- Freestanding ice maker
- Grinder pump
- Gutter cleaning
- Hot water dispenser
- In-fridge ice maker
- In-ground sprinkler system
- Lighting fixtures
- Outdoor generator
- Pest control
- Trash compactor
- TV mounting (65 inches and below)
- TV mounting (up to 85 inches)
- Water dispenser water line
- Water softener
- Well pump
- Plumbing fixtures
- Pool and spa
- Pro-series clothes dryer coverage
- Pro-series clothes washer coverage
- Pro-series dishwasher coverage
- Pro-series microwave coverage
- Pro-series oven or cooktop coverage
- Pro-series refrigerator coverage
- Pro-series stand-alone freezer coverage
- Rekeys
- Reverse osmosis water filter
- Roof leak (limited)
- Saltwater pool
- Second refrigerator
- Septic system pumping
- Small guest units
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Window washing
- Wine cooler
LHG does have some exclusions for its coverage. It won’t cover pre-existing issues or problems that should have been avoided with proper maintenance. Thankfully, neither of these is an issue when you build a new home.
Some exclusions will affect new construction, though. LHG won’t cover cosmetic repairs, improperly installed equipment, smart technology, routine maintenance, or commercial appliances or equipment.
Liberty Home Guard has standard coverage limits that apply to all covered items. You get $2,000 per item per year for anything built into the plans and $500 for any add-on you choose.
Select Home Warranty
4.2
Our Rating
Select Home Warranty is our top home warranty company pick if you’re looking for low prices without compromising much on coverage quality. Its plans are affordable, which is important since new construction costs far more per square foot than buying an existing home. The protection you get isn’t quite as comprehensive as some other options, but it’s still well worth the money, in our opinion — and is sure to provide some much-needed peace of mind when moving into a brand-new home.
Select Home Warranty’s plans all fall around $60 to $65, including the premium plan covering all major appliances and home systems. Compared to other companies, whose comparable plans total closer to $100 in most cases, this is an outstanding value for the money.
Select has more exclusions than some top competitors, and its coverage caps aren’t as high as you’ll get from other providers on this list. However, with a new construction home, many buyers feel they only need basic coverage to protect against anomalies rather than provide the robust coverage they might need on an older home.
Despite lower coverage caps and more exclusions for coverage when choosing Select Home Warranty, the company is still considered trustworthy — partly because of the 90-day workmanship warranty on all service calls. You can rest assured that you’re getting high-quality service with Select, which is what you want and need with a new construction home.
Select Home Warranty has three coverage plans to choose from. One covers home appliances only, one covers systems, and one covers both. We’ll detail what items and services each option includes below.
- Bronze Care plan: The Bronze Care plan is for appliance coverage only. It protects all major and minor appliances, including ovens, ranges, refrigerators, dishwashers, garbage disposals, built-in microwaves, clothes washers, and clothes dryers. This plan costs around $60 monthly.
- Gold Care plan: The Gold Care plan also totals around $60 per month, and it covers systems in your house rather than appliances. The Gold Care plan includes the central air conditioning system, heating system, plumbing system, and electrical system, plus heater and air conditioner ductwork and water heaters.
- Platinum Care plan: The Platinum Care plan is the most popular option from SHW, as it’s the most comprehensive and costs just $4 more per month than the other plans. It covers all appliances and systems in the Bronze and Gold plans, plus garage door openers and ceiling fans.
Select has a handful of add-on coverages that let you get non-standard protection in case you’ve custom-built your home and want to insure any non-standard additions. We’ll list the available add-ons below.
- Central vacuum systems
- In-ground sprinkler systems
- Pool
- Septic system
- Spa
- Stand-alone freezers
- Sump pump
- Well pump
SHW won’t cover pre-existing issues or problems resulting from poor maintenance or improper installation. The only thing that applies to you as the owner of a brand-new house would be improper installation, which isn’t a huge deal. Each add-on option has its own exclusions, though — so read through the fine print in your contract before signing to confirm you’re comfortable with the coverage you get.
American Home Shield
4.2
Our Rating
American Home Shield comes with the most appealing coverage limits, which is usually helpful for new construction homes that naturally have a higher value and often have higher-end appliances and systems installed. There is no coverage cap for some built-in home systems — like plumbing and electrical — and the coverage limit for appliances ranges from $2,000 to $4,000 each, depending on your chosen plan.
As mentioned above, AHS offers unlimited coverage for some covered built-in systems, which is great news for owners of new construction. When building new homes, the builders often include top-of-the-line equipment to meet modern construction standards and energy efficiency mandates. Higher-end equipment naturally comes with a higher installation cost, so unlimited coverage protects those expensive systems.
Similarly, upscale appliances are more common in new construction homes, and these often come with high equipment prices. More expensive appliances demand higher repair and replacement costs, so having $2,000 to $4,000 of coverage per appliance protects you from repair costs. For comparison, some other companies offer as low as $500 per appliance; the average is around $1,000 per unit.
American Home Shield is also widely recognized as a trustworthy company, so you’ll likely receive the coverage you expect — making those high and unlimited coverage caps all the more valuable.
American Home Shield has three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. These are cumulative plans, meaning each plan covers everything in the previous one, plus additional items. We’ll include a complete breakdown of what each coverage option includes below.
- ShieldSilver: The ShieldSilver plan covers 14 home systems and related components. These include heating and AC systems, HVAC ductwork, plumbing lines, water heaters, toilets, faucets, whirlpool tubs, exhaust fans, electrical breakers, doorbells, electrical wiring, ceiling fans, and garage door openers. This is the most affordable option from AHS at $79.99 to $89.99 per month, depending on your desired service fee.
- ShieldGold: The ShieldGold plan includes everything in the Silver plan but adds nine appliances. These include your refrigerator, oven, range, dishwasher, microwave (built-in only), water dispensers, garbage disposals, washing machines, and clothes dryers. This plan is more expensive, totaling between $99.99 and $109.99 monthly, based on your service fee.
- ShieldPlatinum: The ShieldPlatinum plan is the most comprehensive plan from AHS but also the most expensive. Depending on your service call fee, it costs between $129.99 and $139.99. It includes everything in the previous two plans, plus a free annual AC tune-up, unlimited refrigerant refills, $1,000 of included roof leak coverage per contract term, higher coverage caps for appliances, and $250 of coverage per contract term for code violations, permits, and modifications.
AHS only offers a handful of add-on options to customize your coverage, so it’s not the best company to choose if you have unique things in your new home that you want to be protected. We’ll list the add-on options from this provider below.
- Built-in spa equipment
- Pool equipment
- Septic pump
- Well pump
You also get discounts on air filters included with all plans.
AHS has fewer exclusions than most competing companies, which is partially why its plans are more expensive than most. It will cover undetectable pre-existing issues, older items, issues related to a lack of maintenance, issues related to rust and corrosion, and haul-away of damaged items. Most importantly, it covers issues stemming from improper installation, one of the most common problems you’ll likely see in a new-construction home.
It won’t cover cosmetic issues, mismatched appliances or building materials, or intentional damage.
The appliance coverage limits are $2,000 with the ShieldGold plan or $4,000 with the ShieldPlatinum plan. Your HVAC system gets covered up to $5,000, and other built-in systems don’t come with coverage caps.
Choice Home Warranty
4.1
Our Rating
Our pick for the best home warranty for claim acceptance rate for new construction goes to Choice Home Warranty (CHW). CHW has three dedicated coverage plans for home buyers, plus a nice collection of add-on coverages for some customization. The company has over a decade of experience and has a reputation for good customer service and a great payout rate. Since you’ll likely be spending more on your brand-new home than you normally would, the below-average plan prices are also a nice perk.
We chose Choice Home Warranty as the best for claim acceptance rate because it has a reputation for paying out on any covered issues, making it one of the most trustworthy options.
It provides three coverage options specifically for new homebuyers with varying levels of coverage. You can opt for the low-tier plan for basic coverage or get complete home protection with the Choice Ultimate package.
Since new-construction homes in many areas are less likely to conform to the cookie-cutter properties around them, the 11 add-on products offered by CHW give you some wiggle room to get protection for exactly what you need.
Choice has relatively high coverage caps for many of the items it covers, including up to $3,000 for home appliances and systems. Many competitors’ limits top out at $1,000 for coverage. The higher coverage cap is helpful for new construction, where any issues with brand-new equipment are likely to be expensive.
Perhaps most importantly, the company is known to be trustworthy, so you can enjoy the peace of mind you should have when buying new construction with one of CHW’s coverage plans.
Choice Home Warranty has three plans for new home buyers: the Choice Plan, Choice Plus, and Choice Ultimate. All three include both appliances and home systems, with the Choice Plan including the fewest items and the Choice Ultimate plan covering just about everything in your new house. We’ll break down the specific coverages you get with each option below.
- Choice Plan: The Choice Plan is the entry-level option from CHW, totaling around $37 per month. It covers a few home systems, including heating, central air conditioning, and electrical systems, plus some additional components, like HVAC ductwork, garage door openers, ceiling and exhaust fans, plumbing stoppages, water heaters, sump pumps, and rekeys. You also get protection for a few major appliances, including your dishwasher, oven, cooktop, trash compactor, built-in microwave, and garbage disposal.
- Choice Plus: The Choice Plus plan costs $48 per month. For the added money, you get everything in the Choice Plan, plus coverage for your refrigerator, clothes washer, and clothes dryer. You also get protection for enhancements to your plumbing and HVAC systems, which are increasingly common in new construction homes. This plan will also pay for haul-away services if your contractors leave building materials behind, permit fees, and code violations.
- Choice Ultimate: The Choice Ultimate plan includes everything in the previous two options, plus coverage for professional appliances, issues stemming from improper installation during construction, coverage for problems with improper home modifications, roof leak coverage (limited), water softeners, geothermal heat pumps, and mismatched appliances or other building materials. This is the most comprehensive and expensive plan, coming in at $55 per month.
Choice Home Warranty has a good selection of add-on coverages that can be helpful for customizing coverage, just as you may have customized the layout or build specifications of your new-construction home. Below are all of the add-on products you can choose through Choice Home Warranty.
- Additional refrigerator
- Central vacuum
- Equipment for pool or spa
- Guest house
- In-ground sprinklers
- Limited roof leak coverage (this is included in the Choice Ultimate plan and can only be added to the other two plan options)
- Outdoor kitchen
- Septic system (includes pumping)
- Smart home devices
- Stand-alone freezer
- Under-counter ice maker
- Well pump
CHW also considers larger homes an upgrade, so you’ll have to pay around $33 more per month if your home is between 5,000 and 7,500 square fee
One of the best parts about buying a home warranty from Choice is that there are relatively few exclusions. Many competitors have a long list of things that aren’t covered, but the only thing CHW doesn’t cover are pre-existing issues, which are non-existent in new-construction homes.
The coverage limits you get from Choice Home Warranty are excellent, at $3,000 per item for things included in the base plans and $500 per add-on. Compared to other companies, these limits are above-average and easy to understand since they don’t vary by item as they do from many other service providers.
AFC Home Club
4.2
Our Rating
When you have a new home built, your top priority with having future work done is likely to be quality; the last thing you want is a disreputable service technician messing up some component in your new construction. If you want ultimate peace of mind that the work will be completed by a seasoned professional, we recommend America’s First Choice Home Club. This provider offers a workmanship guarantee for the life of your contract, which is far longer than the 30 to 90 days you get with other providers.
Most home warranty companies provide some guarantee that the service they schedule through contractors won’t lead to additional problems or service calls. Unfortunately, many of these guarantees only last 30 to 90 days. AFC Home Club uses only the best professionals in the service industry for repairs and replacements, so it can offer a guarantee for the entirety of your service contract — one to three years, to be exact.
The lengthy guarantee you get from AFC helps provide total peace of mind that your investment into protecting your brand-new house is a good one. You can rest assured that you won’t overpay for service call fees and know your new house is receiving the high-quality, trusted service it deserves.
AFC Home Club has reasonably affordable prices attached to its protection plans, and the contract-term guarantee may save you money over time on service fees.
The coverage limits aren’t the best and are varied based on the covered item, but most owners of new construction should find them suitable.
AFC Home Club has four monthly plans, ranging from $33 to $52. The plans can cover appliances, systems, or a combination of both. We’ll explain what kind of coverage you get with each option below.
- Silver Plan: The Silver Plan from AFC costs just $33 per month, making it the most affordable option. It’s for appliances only and includes your fridge, oven, range, clothes washer, clothes dryer, garbage disposal, and garage door opener. It most notably excludes your dishwasher, microwave, and other minor appliances.
- Systems Plan: The Systems Plan covers home systems only. Namely, it protects the main parts of your plumbing, electrical, heating, and cooling systems. HVAC ductwork and water heaters are included as well. The Systems Plan costs around $40 monthly.
- Gold Plan: The Gold Plan covers everything in the Silver and Systems plan — plus your dishwasher — for an average of $47 per month.
- Platinum Plan: The Platinum Plan is the best value for the money from AFC because it includes everything in the previous plans, plus additional coverage for just $52 monthly. The additional coverage includes built-in microwaves, plumbing stoppages, ceiling fans, and stand-alone ice makers.
If your new home needs additional coverage, you can choose from ten add-on options available from AFC Home Club:
- Central vacuum
- Double oven
- Electronics
- Hot water dispenser
- In-ground pool/spa
- Roof leak coverage (limited)
- Septic system
- Stand-alone freezer
- Sump pump
- Well pump
America’s First Choice Home Club excludes much of what you’ll see excluded from other providers. This includes problems caused by a lack of proper maintenance, repairs done improperly in the past, and pre-existing problems. Thankfully, none of these will affect you as the owner of a new-construction home. However, cosmetic repairs are also not included in coverage, so keep that in mind when deciding if this is the right company for you.
AFC Home Club’s coverage caps range from $250 for small issues to $3,000 for larger covered items, like appliances and built-in systems. The average limit is around $2,000 within the pre-set plans and $500 per add-on. Any problems in the first 30 days of service only get $150 of coverage.
America’s First Choice Home Club: Best Additional Benefits
When you have a new home built, your top priority with having future work done is likely to be quality; the last thing you want is a disreputable service technician messing up some component in your new construction. If you want ultimate peace of mind that the work will be completed by a seasoned professional, we recommend America’s First Choice Home Club. This provider offers a workmanship guarantee for the life of your contract, which is far longer than the 30 to 90 days you get with other providers.
You can read more about what we love about this company in our AFC home warranty review.
Why We Chose America’s First Choice Home Club as the Best for Additional Benefits for New Construction
Most home warranty companies provide some guarantee that the service they schedule through contractors won’t lead to additional problems or service calls. Unfortunately, many of these guarantees only last 30 to 90 days. AFC Home Club uses only the best professionals in the service industry for repairs and replacements, so it can offer a guarantee for the entirety of your service contract — one to three years, to be exact.
The lengthy guarantee you get from AFC helps provide total peace of mind that your investment into protecting your brand-new house is a good one. You can rest assured that you won’t overpay for service call fees and know your new house is receiving the high-quality, trusted service it deserves.
AFC Home Club has reasonably affordable prices attached to its protection plans, and the contract-term guarantee may save you money over time on service fees.
The coverage limits aren’t the best and are varied based on the covered item, but most owners of new construction should find them suitable.
Plans, Pricing, and Coverage Options
AFC Home Club has four monthly plans, ranging from $33 to $52. The plans can cover appliances, systems, or a combination of both. We’ll explain what kind of coverage you get with each option below.
- Silver Plan: The Silver Plan from AFC costs just $33 per month, making it the most affordable option. It’s for appliances only and includes your fridge, oven, range, clothes washer, clothes dryer, garbage disposal, and garage door opener. It most notably excludes your dishwasher, microwave, and other minor appliances.
- Systems Plan: The Systems Plan covers home systems only. Namely, it protects the main parts of your plumbing, electrical, heating, and cooling systems. HVAC ductwork and water heaters are included as well. The Systems Plan costs around $40 monthly.
- Gold Plan: The Gold Plan covers everything in the Silver and Systems plan — plus your dishwasher — for an average of $47 per month.
- Platinum Plan: The Platinum Plan is the best value for the money from AFC because it includes everything in the previous plans, plus additional coverage for just $52 monthly. The additional coverage includes built-in microwaves, plumbing stoppages, ceiling fans, and stand-alone ice makers.
Optional Add-ons
If your new home needs additional coverage, you can choose from ten add-on options available from AFC Home Club:
- Central vacuum
- Double oven
- Electronics
- Hot water dispenser
- In-ground pool/spa
- Roof leak coverage (limited)
- Septic system
- Stand-alone freezer
- Sump pump
- Well pump
Exclusions and Coverage Limits
America’s First Choice Home Club excludes much of what you’ll see excluded from other providers. This includes problems caused by a lack of proper maintenance, repairs done improperly in the past, and pre-existing problems. Thankfully, none of these will affect you as the owner of a new-construction home. However, cosmetic repairs are also not included in coverage, so keep that in mind when deciding if this is the right company for you.
AFC Home Club’s coverage caps range from $250 for small issues to $3,000 for larger covered items, like appliances and built-in systems. The average limit is around $2,000 within the pre-set plans and $500 per add-on. Any problems in the first 30 days of service only get $150 of coverage.
Free Quote: Get your quote from AFC Home Club.
Our Ratings of the Best Home Warranty Providers for New Construction
The table below provides more information on each of these home warranty companies, including how they compare on coverage, affordability, and more.
| Ranking Factors | Liberty Home Guard | Select Home Warranty | American Home Shield | Choice Home Warranty | America’s First Choice Home Club |
| Plans and Coverage (out of 24) | 25.5 | 20.0 | 22.0 | 18.5 | 21.0 |
| Affordability (out of 22.5) | 20.0 | 22.5 | 21.0 | 20.5 | 20.5 |
| Customer Experience (out of 18.5) | 14.5 | 15.0 | 12.5 | 14.5 | 17.0 |
| Company Reputation (out of 17.5) | 14.5 | 12.5 | 12.0 | 8.0 | 12.5 |
| Claims Process (out of 12.5) | 10.5 | 9.5 | 10.5 | 12.5 | 8.0 |
| Availability (out of 5) | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| Total Score (out of 100) | 90.0 | 84.5 | 83.0 | 79.0 | 84.0 |
How Much Do the Top-Rated Home Warranties for New Construction Cost?
On average, you can expect to pay around $60 monthly for home warranty coverage for your newly constructed house. There are a few factors that affect your costs, which we’ll briefly discuss below.
- Covered items: Generally speaking, the more items covered in your home warranty plan, the higher your monthly cost will be. Even from a single provider, the less comprehensive plans will tend to be cheaper — while those that cover all systems and home appliances will be more expensive.
- Coverage caps: Coverage caps dictate how much your provider is willing to pay out in total for a covered item. Since plans with higher coverage caps are better and cost the company more, they’ll also tend to have higher monthly pricing.
- Service fee: The service fee is the amount you’ll pay per service call before coverage kicks in. You can think of this as similar to a homeowner’s insurance policy deductible. The higher your service fee, the cheaper your monthly costs will be. The opposite is also true.
- Exclusions: Finally, the more items or scenarios excluded in your coverage plan, the less coverage your provider will offer — and the lower they can make their monthly prices. More expensive plans tend to have fewer exclusions, which means you’ll see payouts more often than with a less expensive plan.
The graphic below visually represents the prices for each provider we’ve discussed above. This should help you instantly compare them based on price.
What Do the Top-Rated Home Warranties for New Construction Cover?
The coverage in your new construction home warranty depends on many factors, including the company you choose, the type of plan you want, and more.
In most cases, the comprehensive coverage option from each provider will protect your home systems (plumbing, electrical, heating, and cooling), as well as your kitchen appliances — including your refrigerator, stove, range, dishwasher, washing machine, dryer, microwave, and some minor appliances.
As an owner of a newly built home, we recommend you look specifically for the below coverages in any plan you’re considering. Keep in mind that you might need to review the exclusions of each plan to determine if you’re getting the coverage you need.
- Coverage for improperly installed equipment: Many home warranty providers will have an exclusion for damage caused by poor installation. With a new-construction home, the likelihood of an error during installation causing your issue is significantly higher since everything should be new. With a new home, you can often look for this coverage rather than coverage for pre-existing conditions or things like corrosion, which won’t occur in a new house.
- Coverage for all home systems: In an older home, you can estimate when the normal wear will likely necessitate repairs or replacements for some systems — like cooling equipment, which last an average of around 15 years — as opposed to plumbing, which can last around 40 years. In a new-construction home, everything is new, so having coverage for all systems will help protect you from unexpected issues.
- Coverage for code violations and permits: A nice addition to your home warranty is coverage for violations and permits. In some cases, your builder may have neglected to get proper permits, which could result in a code violation and monetary assessment. Having coverage for these issues, as you’d get with Choice Home Warranty, can help cover any problems with your local building department.
- Haul-away services: Finally, having coverage for hauling away construction debris or leftover materials is great to have for a newly built home. This can save you time and money in case your contractors leave behind sheetrock, piping, electrical wire, or other materials from construction.
The table below provides a quick look at the coverage included from each of the companies we reviewed above.
So, What is the Best Home Warranty for New Construction?
In our opinion, the best option for coverage for your new construction home is Liberty Home Guard. The company has reasonable pricing, covers all major systems and appliances, and has high coverage caps ideal for newly built homes with higher-end, more expensive equipment. Plus, the company has a huge range of add-on coverages to customize for your specific home, which is important in new construction builds that are more likely to include non-traditional items.
We feel confident recommending all five companies we’ve reviewed above for a home warranty for new construction. Their coverages are robust, affordable, and trustworthy enough to work on your brand-new home.
We recommend you get started by requesting a free quote from Liberty Home Guard for your new home.
FAQs About Best Home Warranties for New Construction
Below, we’ll provide answers to some of the most common questions we see about purchasing a home warranty for a new-construction home.
Is a home warranty worth it for new construction?
In our opinion, yes! Too many homeowners who purchase a newly built home make the mistake of thinking that a new house won’t experience serious issues, that a home inspection will show any issues, or that their home insurance policy will cover any problems.
Unfortunately, improper installation, a rushed building process, and unforeseen problems — even with new appliances and equipment — can lead to costly repairs even if your house is brand-new.
A home warranty works to protect you from those issues but can also get coverage for things like hauling away leftover construction material, correcting mismatched materials and appliances, and dealing with permit issues and code violations that could pop up during the building process.
What kind of warranty comes with a new house?
Many home builders offer a builder’s or manufacturer’s warranty with new construction — unfortunately, these home warranties cover just the basics and have a lot of exclusions that leave you without the coverage you need. The specific warranty that’s included with your new home will depend on your builder, and some don’t even offer any warranty.
We suggest reading through your builder’s warranty carefully and deciding if an added home warranty for additional protection would be a good idea for total peace of mind.
What is the best home warranty for new construction?
In our opinion, Liberty Home Guard is the best option for a new-construction home warranty. This company has above-average coverage caps to cover what is likely to be more expensive repairs given the high-quality equipment in a new home, plus coverage for unconventional things via add-on coverage that can cause issues in a newly built home. The prices are reasonable, and the company is trustworthy.
Methodology: How We Rank Home Warranty Companies
At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.
Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.
A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:
- Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
- Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
- Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote.
- Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits.
- Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
- Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.
We monitor company data on an ongoing basis to keep rankings and information up to date.
