BFS Home Warranty is one of the oldest home warranty companies in the industry, with nearly 50 years in business. Originally established in 1973 as Broward Factory Service, a heating and HVAC repair company, the company now leverages its HVAC repair and replacement division for BFS Home Warranty customers.
In this 2023 Today’s Homeowner review, we help you decide whether a BFS Home Warranty plan is the best home warranty available for your property. Below, you’ll find an overview of the company, details about plans and pricing, a comparison of BFS against other home warranty companies, and BFS Home Warranty reviews.
Our Preferred Home Warranty Alternatives
Today’s Homeowner recommends a few home warranty companies to our readers. Below, you’ll see our latest suggestions and their money-saving deals. You can also read our review of the companies with similar home warranty plans to learn more about these top picks.
Company Pros and Cons
This section covers BFS Home Warranty’s high-level pros and cons. Keep these points in mind as you read the rest of the review.
BFS Home Warranty Plans, Coverage, and Cost
BFS Home Warranty offers three coverage plans—Basic Plan, Deluxe Plan, and Platinum Plan—for an average cost of $25–$59 per month. Add-ons are available for any of the three warranty packages and includes coverage for a second oven, pool or spa, additional air conditioners, second refrigerator, additional dishwasher, and other items.
The following plan pricing is based on home protection plans for a single-family home. If you’re buying a home warranty for a condo, townhome, mobile home, or duplex, pricing will vary.
Basic Plan: $25.00 per month ($300.00 per year). This is BFS’ most basic and affordable home warranty plan. It covers 12 items including two air conditioning units, plumbing, and electrical.
- Air conditioning (2 units)
- Standard SEER upgrade
- Heating
- Water heater
- Garbage disposal
- Plumbing
- Electrical
- Circuit boards
- 5-point tune-up
- Unknown pre-existing conditions
- Freon
- Line clearing (up to 6 feet)
Deluxe Plan: $45.83 per month ($550.00 per year). With this BFS plan, customers will receive coverage for everything under the Basic Plan, plus coverage for a few more systems and appliances.
- Air conditioning (2 units)
- Standard SEER upgrade
- Heating
- Water heater
- Dishwasher
- Refrigerator (with ice maker and dispenser)
- Garbage disposal
- Plumbing
- Electrical
- Circuit boards
- Oven/Range
- Washer
- 5-point tune-up
- Unknown pre-existing conditions
- Freon
- Line clearing (up to 6 feet)
- Microwave
- Dryer
Platinum Plan: $58.33 per month ($700.00 per year). The Platinum Plan offers nearly comprehensive coverage and is the most expensive option.
- Air conditioning (2 units)
- Standard SEER upgrade
- Heating
- Water heater
- Dishwasher
- Refrigerator (with ice maker and dispenser)
- Garbage disposal
- Plumbing
- Electrical
- Circuit boards
- Oven/Range
- Washer
- Dryer
- 5-point tune-up
- Unknown pre-existing conditions
- Freon
- Line clearing (up to 6 feet)
- Microwave
- No deductible option
Optional Coverage: If you want to cover additional items, such as your pool or spa, you can include this coverage with your plan for an additional cost.
- Seller’s coverage: $75.00
- No deductible: $150.00
- Refrigerator with ice maker and dispenser: $75.00
- Oven/Range: $35.00
- Dishwasher: $25.00
- Microwave: $15.00
- Washer/dryer: $100.00
- Stoppage coverage: $25.00
- Double oven: $100.00
- Pool or spa (with shared equipment): $160.00
- Additional pool or spa: $90.00
- Extended plumbing: $100.00
- Additional air conditioner: $115.00
- Additional water heater: $60.00
- Emergency services: $100.00
Note: For the Basic and Deluxe plans, customers are required to pay a $55 service fee for every service visit. This fee is lower than the industry average of $75. Customers with the Platinum Plan don’t have to pay a service fee.
Price of BFS Home Warranty vs. Competitors
This graph represents the monthly premium customers would pay under BFS Home Warranty’s most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.
Details for top systems and appliances
To truly understand what comprehensive home warranty coverage means to consumers, our team at Today’s Homeowner surveyed 1,000 homeowners and asked them which systems and appliances are the most important to them.
From our findings, we determined that the top items that mattered most included the electrical, plumbing, and air conditioning systems and the refrigerator, washer/dryer, and oven/stove/range.
Here’s how those findings compare to BFS Home Warranty coverage:
Refrigerator
BFS doesn’t offer coverage for refrigerators under its Basic Plan, however, it does provide coverage for this appliance under its Deluxe and Platinum Plans. All functional components and parts including the integral freezer and ice maker are covered.
Oven/stove/range
Most elements of these appliances are covered, with the exception of the following: Meat probe assemblies, rotisseries, sensi-temp burners, ceramic or glass stove tops, and range hoods.
Clothes washer and dryer
Like the refrigerator, the clothes washer and dryer are not covered under the BFS Basic Plan. All functional components and parts are covered, except the tubs, lint and filter screens, soap dispensers, and clothing damage.
Electrical
Standard switches, outlets, circuit breakers, short circuits, in-wall switches, and receptacles are covered. Door bells, alarms, intercoms, electrical breaker panels, main breakers, ground fault breakers, power failures or surges, and inadequate wiring capacity are not covered.
Plumbing
With a BFS home warranty, customers will receive coverage for up to three bathrooms. Washers and seals in faucets, floats, washers and seals in toilet tanks, and leaks in water and drain pipes are covered. Here are a few items not included under plumbing coverage: fixtures, bathtubs, showers, shower enclosures and base pans, sinks, toilets, faucets, tubs, wax rings, water valves, or any water damage.
Air conditioning
All functional parts and components of central air conditioners, built-in wall units, and heat pumps are covered, except the filters, filter dryers, grills, ductwork, flues, vents, electronic air cleaners, window units, water towers, humidifiers, and programmable thermostats.
Coverage Length
Coverage begins 30 days after customers sign up for a home warranty. The coverage term for a BFS Home Warranty service plan is 12 months, after which time customers are given the option to renew their plan.
Coverage Limits
Replacement limits for some items covered by BFS Home Warranty contracts are as high as $1,500. In other respects, coverage caps and limits for BFS Home Warranty are standard for the industry, with most home appliances and systems limited to $500 annually in coverage.
BFS Home Warranty also states that unknown pre-existing conditions are only covered if a home inspection is performed within 60 days prior to the warranty’s purchase. It’s worth noting that BFS doesn’t cover faults due to insufficient maintenance.
State Availability of BFS Home Warranty
BFS Home Warranty provides coverage in only four states: Arizona, Florida, Nevada, and Texas. If you don’t live in one of these states (such as Iowa), check out our State Home Warranty Guides to compare the best home warranty companies in your area and find the right home protection plan for you and your home.
Our Take
Overall, BFS Home Warranty is one of the most affordable home warranty companies in the industry, offering monthly premiums as low as $25 and deductibles as low as $55—prices that are both well below the industry average.
As a small company, BFS doesn’t offer 24/7 phone lines or service like other home warranty companies do. However, despite its limited availability and limited nationwide coverage, it has 18 offices and many customer service representatives that respond quickly to claims and customer complaints.
Coverage-wise, we don’t think it offers the best system and appliance coverage under its most basic plan, but its Deluxe and Platinum plans make up for that lack of coverage.
If you’re interested in purchasing a home warranty from BFS, consider going to their website and checking out the plan options available. All terms and conditions are outlined clearly and the company even has a sample service contract for you to take a look at before signing up for coverage.
What Others Are Saying
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by BFS Home Warranty customers. That’s where we come in. At Today’s Homeowner, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.
Below, we’ve included BFS Home Warranty ratings compared to the industry average.
Summary of Customer Feedback
| REVIEWER | BFS HOME WARRANTY RATINGS | INDUSTRY AVERAGE RATINGS |
| YELP | 1.5 / 5 (out of 11 reviews) | 1.2 / 5 (out of 375 reviews) |
| BBB | 2.0 / 5 (out of 4 reviews) | 2.0 / 5 (out of 956 reviews) |
BFS Home Warranty reviews
BFS Home Warranty has received and maintained an A rating from the Better Business Bureau, but the company is not BBB accredited. It currently has a 2-star rating based on an average of four customer reviews.
Here’s what several customers had to say about the home warranty service.
Final Thoughts
Today’s Homeowner gives BFS Home Warranty 3.45 out of 5 stars. Its limited nationwide availability makes it difficult to recommend to all consumers, but it still provides adequate coverage at some of the most affordable pricing in the home warranty industry.
BFS Home Warranty is a great option for you if…
- you live in Florida, Texas, Arizona, or Nevada.
- you prefer to pay a low service fee (or no service fee at all).
BFS Home Warranty may not be the best option if…
- you want coverage for basic systems and appliances.
- you want 24/7 customer service and claims support.
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. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.
Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.
For more details, check out our affiliate disclosure and rating methodology.
