Home warranties are helpful for all homeowners to offset unexpected repair and replacement costs for home systems and home appliances. However, they’re especially useful in Arkansas, where the frequent extreme weather can put roofing material at risk of leaking and high temperatures from April through October can leave air conditioning systems and refrigerators at risk of being overworked and getting damaged.

For Arkansas homeowners, we’re prepared to list our recommendations for the best home warranty companies in the Natural State. Whether your primary concern is budget, comprehensiveness of coverage, or customization, we’ve found a provider that can meet your needs. Fortunately, getting a free, personalized quote is easy, so you can use our list as a starting point for your search.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

    Best Home Warranty Companies in Arkansas

    Overall, we find that American Home Shield offers the best home warranty in Arkansas. Although you’ll pay a little more per month, you’ll also receive coverage for a number of conditions that other providers simply don’t cover. You’ll have the peace of mind of knowing that your home warranty provider has been a mainstay in the industry for decades, and you’ll benefit from the large nationwide network of trusted technicians that American Home Shield maintains.

    However, American Home Shield might not be right for all Arkansas homeowners, so we also recommend the additional providers below. They each provide free, instant quotes on their websites, and you can also easily find sample contracts to look at the fine print. We recommend gathering at least three quotes before making your decision.

    American Home Shield: Best Coverage Limits
    Why Trust Us?

    Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

    76

    Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

    152

    We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

    6

    Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


    Compare the Best Home Warranty Companies in Arkansas

    The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading for in-depth reviews of the best providers in Arkansas.

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    How to Choose the Best Home Warranty in Arkansas

    Now that you have the top Arkansas home warranties narrowed down to the top five choices on the market, it is time to choose the one that is best for your Arkansas home. There are some essential features to look for when you are narrowing down these home warranty policies. Three of the most important are overall pricing, workmanship guarantee, and add-on options.

    The overall pricing of an Arkansas home warranty is not all that difficult to figure out. Simply consider the monthly price along with the service fee, and you will quickly see which plans are the most affordable to you. Also, pay attention to the coverage caps associated with the plans. 

    Workmanship guarantee means that if a repair on an appliance or system fails, the home warranty company will cover it for a certain period. Workmanship guarantee can range from 30 days to 180 days, but it is worth considering when choosing a plan. 

    Add-on coverage can include anything from a warranty for a swimming pool to a second refrigerator. If you have unique features in your Arkansas home, pay close attention to the add-on coverage options available to you.

    While these general considerations are important to make to ensure you get a plan that suits your budget and expectations, there are also some local factors at play in Arkansas that can help you narrow down providers.

    First, Arkansas is located in Tornado Alley, and residents experience many intense thunderstorms and tornadoes every year. While isolated damages caused by these weather events will likely be covered by your homeowners insurance, they can also cause gradual damage to your roof. Many Arkansas homeowners opt for home warranties that cover roof leaks, as they are more likely in the area than in many other states.

    Additionally, Arkansas is known for hot, humid summers, and the heat and humidity can put a massive strain on your air conditioners. This is especially true at the height of the summer when temperatures reach up into the 90s. A home warranty that covers refrigerators and air conditioning systems will be far more valuable in Arkansas, given the strain the weather puts on these items.


    How Much Does a Home Warranty in Arkansas Cost?

    The average home warranty cost in Arkansas will range in price from around $35 a month to $75 a month, or $420 to $900 per year. The range of pricing will depend on the coverage you choose and the quality of the plan. The add-on coverage choices can also increase the total pricing of the plan. Arkansas home warranties are priced about the same as they are in other states across the nation. The table below provides some average pricing for different residential customers.

    Overall$720.38
    Single Family$585.29
    Multi Family$1,087.74
    Townhome$493.33
    Condo$614.80
    Duplex$880.81
    Home Over 5,000 sq ft$1,294.73
    Home Under 5,000 sq ft$650.55

    Home Warranty Cost Calculator

    Use our home warranty cost calculator tool to estimate the yearly costs of a home warranty for your Arkansas property. Just type in the following to get the full annual cost: monthly premium, service call fee, estimated number of service visits.

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Home Warranty Regulations in Arkansas

    In addition to our home warranty reviews, you can check the company with the Arkansas Insurance Department. The purpose of this Department is to protect your interests by enforcing and regulating laws in the insurance industry. They will be more than happy to verify for you if the company has a license to work in Arkansas.

    Resources for Arkansas Homeowners and Home Buyers

    • Arkansas Development Finance Authority: The Arkansas Development Finance Authority can help with anything from a down payment to mortgage assistance for new home buyers. If you are looking into any type of loan or borrowing of funds, this is a resource to consider. 
    • Homeownership Assistance Arkansas The US Department of Housing and Urban Development can help Arkansas homeowners who are considering purchasing a home. Those who are going through a difficult financial time can also benefit from the services that HUD offers.  
    • US Department of Agriculture Rural Development:  Some areas of Arkansas are quite rural, and there are special accommodations for this. If you are looking for a bit of help with a down payment or mortgage assistance, the US Department of Agriculture Rural Development may be able to help. 
    • Arkansas Home Loans:  For those who want to ensure they are getting fair pricing on an Arkansas home loan, the Government of Arkansas website can help. This is also a great resource if you are looking for first-time buyer incentives or assistance. 
    • Little Rock Down Payment Assistance: Little Rock is one of the most popular areas of Arkansas to live in. If you are serious about living in Arkansas and have everything but the down payment figured out, the Little Rock Down Payment Assistance may be able to help. Check to see if you qualify, and take advantage of these tremendous benefits.  

    Our Reviews of the Best Arkansas Home Warranty Companies

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    First on our list is American Home Shield, a home warranty company that’s been in business since 1971. In its more than 50 years in the industry, American Home Shield has garnered a reputation for great customer service and some of the most comprehensive plans available.

    Under an American Home Shield plan, covered items aren’t just protected from wear-and-tear damage. They’re also covered in case of malfunction from improper repairs, insufficient maintenance, rust, sediment and corrosion. You’ll also have protection from pre-existing conditions as long as they were undetectable when the coverage period began.

    Covers items without maintenance records
    More than five decades in business
    Customizable premium and deductible payments
    Average-length workmanship guarantee
    More expensive than its competitors
    No coverage for standalone freezers

    American Home Shield offers its customers three plans. The first, ShieldSilver, covers your home’s major systems like plumbing, heating, cooling and electrical systems. The second, ShieldGold, adds coverage for home appliances, including kitchen appliances, washers and dryers. Finally, ShieldPlatinum also covers both home systems and appliances and adds coverage for one free HVAC tune-up, roof leaks, A/C refrigerant and code upgrades.

    CoverageShieldSilverShieldGoldShieldPlatinum
    Roof-leak repairs  
    Air conditioner
    Heating unit
    Ductwork
    Built-in exhaust, vent and attic fans
    Main breaker and fuse panel box
    Doorbells and chimes
    Interior electrical lines
    Ceiling fans
    Garage door openers
    Interior plumbing lines
    Toilets
    Faucets and valves
    Whirlpool tub motor and components
    Water heater
    Refrigerator 
    Range/Cooktop 
    Oven 
    Dishwasher 
    Built-in microwave 
    Garbage disposal 
    Instant hot/cold water dispenser 
    Clothes washer 
    Clothes dryer 

    To any of these plans, you can add optional coverage for pools/spas, septic pumps, well pumps and guest units of up to 750 sq. ft. However, you won’t need to purchase anything extra to get coverage for duplicate appliances.

    Your premium cost is what you pay your home warranty company every month or year that the policy is active. Additionally, your service call fee or deductible is what you pay directly to service providers the company sends to your home to diagnose or repair a covered item. American Home Shield allows you to customize your service fee with respect to your premium. Thus, you can choose to pay a lower premium with a higher service call fee and vice versa.

    American Home Shield offers service call fees of $75, $100 or $125. Here are the premiums you can choose from for a house of about 2,000 sq. ft. in Little Rock, AR.

    Plan$75 Service Fee$100 Service Fee$125 Service Fee
    ShieldSilver$59.99$49.99$44.99
    ShieldGold$69.99$59.99$54.99
    ShieldPlatinum$89.99$79.99$74.99
    Best Claims Acceptance

    Choice Home Warranty

    4.3

    Our Rating

    Limited Time:
    $50 Off + 1 month free!

    From solid coverage caps to remarkable claims acceptance rates, Choice Home Warranty (CHW) is a strong contender for Arkansas homeowners shopping for a home warranty. This provider has been in business since 2009 and has proudly served over 1.65 million homes nationwide and completed more than 5 million service repairs.

    Denied claims can be frustrating, especially when you think the claim falls under your purchased policy. This can leave you to figure out how to pay for the cost of repairs or replacements, potentially leading to financial stress. With Choice Home Warranty, denied claims are less of a problem, as the company has an excellent claims acceptance rate. 

    It accepts many of the claims its policyholders submit, making it a worthwhile consideration for Arkansas homeowners. On top of that, this provider offers system and appliance coverage in both of its plans, ensuring you don’t have to choose between the two. It offers solid coverage caps above the industry standard and includes things many providers exclude, such as older homes, systems, or appliances. 

    Of course, this provider has drawbacks, such as its limited customization options and a lower Better Business Bureau (BBB) rating.

    Comprehensive plans
    $3,000 coverage caps
    No exclusions for old appliance, systems, and homes
    Less than average BBB rating
    Minimal plan customization

    Unlike many home warranty providers, Choice Home Warranty only offers two plans: the Basic Plan and the Total Plan. Each comes with a slightly different coverage scope, but both cover systems and appliances. Here is what the two plans cover: 

      System or ApplianceThe Basic PlanThe Total Plan
    Heating and Cooling
    Air ConditionerX
    Heating Unit
    Ductwork
    Electrical Systems
    Built-in Exhaust, Vent & Attic Fan
    Main Breaker & Fuse Panel Box
    Doorbell & Chimes
    Interior Electrical Lines
    Ceiling Fan
    Garage Door Opener
    Plumbing Systems & Accessories
    Water Heater
    Interior Plumbing Lines
    Toilets
    Faucets & Valves
    Whirlpool Bathtub Motor & Components
    Kitchen Appliances
    RefrigeratorsX
    Ranges/Cooktops
    Ovens
    Dishwashers
    Built-in Microwaves
    Garbage Disposal
    Instant Hot/Cold Water DispenserXX
    Laundry Appliances
    WashersX
    DryersX
    Roof
    Roof Leak RepairAdd-onAdd-on

    Choice Home Warranty offers a decent list of add-on riders, ensuring homeowners can tweak their policies to meet their unique needs. While there aren’t as many options as some providers, the list is solid. Each add-on comes at an extra cost:

    • Pool
    • Spa
    • Additional spa
    • Roof leak, limited
    • Central vacuum
    • Second refrigerator
    • Standalone freezer
    • Sprinkler system
    • Well pump
    • Sump pump
    • Septic tank pumping
    • Septic system

    Choice Home Warranty has two plans available to Arkansas homeowners. Each covers a mix of home systems and appliances and has a service call fee of $85 per warranty repair. In total, the Basic Plan covers 14 items and the Total Plan covers 18 systems and appliances. 

    The Basic PlanThe Total Plan
    $46.83 per month$54.75 per month
    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Select Home Warranty rounds out our list as another highly affordable provider. All of its plans are available for less than $50 a month, and they all come with free roof leak coverage for areas over the inhabited part of your home.

    Select Home Warranty also offers numerous additional coverage options, and it’s the only company on our list that covers lawn sprinkler systems.

    Two free months of coverage with annual payment
    Three affordable home warranty plans
    Coverage available for sprinkler systems
    Lower coverage caps
    Plumbing stoppages only covered under premium plan
    Auto-renew for premium payments must be canceled in writing

    Select Home Warranty offers its Bronze Care plan, which covers home appliances, and its Gold Care plan, which covers home systems, for the same affordable price. For only a few more dollars a month, you can sign up for the Platinum Care plan for a few more dollars a month, which covers systems and appliances, including ceiling fans, garage door openers and plumbing stoppages.

    CoverageBronze CareGold CarePlatinum Care
    Limited roof leak
    Air conditioning and cooling 
    Ductwork 
    Electrical system 
    Heating system 
    Plumbing system 
    Water heater 
    Cooktop 
    Dishwasher 
    Garbage disposal 
    Built-in microwave 
    Refrigerator 
    Stove/Oven 
    Clothes washer 
    Clothes dryer 
    Garage door opener  
    Plumbing stoppages  
    Ceiling fan  

    The company’s additional coverage options include a lawn sprinkler system, central vacuum, pool, septic system, spa, stand-alone freezer, sump pump or well pump.

    Select Home Warranty offers a relatively low service fee of $75. Note that you can save money and get two free months of coverage by paying annually.

    PlanMonthly CostYearly Cost
    Platinum Care$46.08$499.99
    Gold Care$41.67$449.99
    Bronze Care$41.67$449.99
    Best for Additional Benefits

    AFC Home Warranty

    4.3

    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    For the most personalized home warranty available, America’s First Choice (AFC) Home Warranty is our top pick. You can choose from four different plans and three premium/deductible combinations. Additionally, the company has a list of 11 add-on coverage options.

    Although you don’t need to sign an AFC contract, if you do, you’ll lock in your rates for as long as you continue to renew. Since AFC Home Warranty offers particularly good prices to Arkansas homeowners – some of the lowest they offer in the country – we highly recommend this provider.

    Four plans to choose from 
    Repairs guaranteed for the length of your contract
    High home warranty reviews from customers
    Plumbing stoppages only covered under premium plan
    Maintenance records required for HVAC coverage
    $75 cancellation fee

    AFC Home Warranty’s four plans include the Systems Plan, which covers home systems, and the Silver Plan, which covers home appliances. The Gold Plan covers both and adds coverage for ductwork. The Platinum Plan covers everything in the Gold Plan, plus plumbing stoppages, microwaves, ice makers and faucets.

     Systems PlanSilver PlanGold PlanPlatinum Plan
    Air conditioning 
    Heating 
    Water heater 
    Electrical system 
    Plumbing system 
    Ductwork 
    Clothes dryer 
    Clothes washer 
    Kitchen refrigerator 
    Oven 
    Range 
    Dishwasher 
    Garbage disposal 
    Garage door opener 
    Built-in microwave   
    Ice maker   
    Plumbing stoppages   

    With any of these plans, you can purchase additional coverage for a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, hot water dispenser, septic system or well pump. With the Systems, Silver or Gold Plans, you can also add coverage for an ice maker or microwave.

    AFC Home Warranty offers a service call fee of $75, $100 or $125. Here are the premium prices we were quoted for a service fee of $100.

    Plan$75 Service Fee$100 Service Fee$125 Service Fee
    System Plan$45.75$43.58$41.33
    Silver Plan$39.17$37.00$34.83
    Gold Plan$52.33$50.08$47.92
    Platinum Plan$56.67$54.50$52.33
    Best for Preventative Maintenance

    Cinch Home Services

    4.1

    Our Rating

    Limited Time:
    2 Months Free On All Plans

    From speedy response times that make sure you’re not left high and dry to comprehensive warranty packages that cover most major appliances and home systems, Cinch Home Services (CHS) is a top consideration for Arkansas homeowners.

    Waiting for hours or even days for a response from your home warranty company can be frustrating, especially in emergent situations. With Cinch, these response times are shortened substantially. The company offers 24/7 support for its customers, which means you always have help when you need it. 

    But its perks go far beyond its rapid response times. For example, it offers a 180-day workmanship warranty that far exceeds the industry standard of 30 days. It provides affordable monthly premiums starting at just $30, complete transparency on core components, and a decent Better Business Bureau (BBB) rating.

    That said, it has its downsides, such as the higher-than-standard service fees and cancellation costs if you cancel outside the 30-day window.

    180 day workmanship guarantee
    High claims acceptance rate
    Affordable monthly premiums
    High service call fees
    Poor customer ratings

    With Cinch Home Services, you can take your pick from three options: the Complete Home Plan, the Built-in Systems Plan, and the Appliances Plan. As you might guess, the Appliances Plan covers just appliances, the Systems Plan covers home systems only, and the Complete Home Plan combines both plans into one. The best fit for your Arkansas home will vary based on your needs and home features. Here is what the three plans cover. 

    Home System or ApplianceComplete Home PlanBuilt-In Systems PlanAppliances plan
    Heating and Cooling   
    Air ConditionerX
    Heating SystemX
    DuctworkX
    Electrical Systems   
    Built-in Exhaust, Vent & Attic FanX
    Doorbell & ChimesX
    Interior Electrical LinesX
    Ceiling FanX
    Garage Door OpenerX
    Central VacuumsX
    Smoke DetectorsX
    Plumbing Systems & Accessories   
    Water HeaterX
    Sump PumpX
    Interior Plumbing LinesX
    ToiletsX
    Faucets & ValvesX
    Whirlpool/ Jetted TubX
    Kitchen Appliances   
    RefrigeratorsX
    Built-in Food CentersX
    Freestanding Ice MakersX
    Trash CompactorX
    Ranges/CooktopsX
    OvensX
    DishwashersX
    Built-in MicrowavesX
    Garbage DisposalX
    Instant Hot/Cold Water DispenserX
    Laundry Appliances   
    Clothes WashersX
    Clothes DryersX
    Other   
    Homeowners Insurance Deductible ReimbursementXX
    Air Conditioner or Water Filter Credit

    Cinch Home Services offers a few add-on riders, allowing homeowners to customize their plans based on their unique needs. Each add-on comes at an additional monthly cost:

    • Pool, heater included
    • Spa, heater included
    • Pool and spa combination, heater included
    • Septic tank and pumping
    • Well pump
    • Premier Upgrade Package, which includes code upgrades, permits, and removal and disposal costs

    Cinch Home Services three plans vary in cost, but are about average compared to other home warranty providers. The Complete Home Plan is the most comprehensive, covering both appliances and home systems, but costs the most. The costs in the chart below reflect a service call fee of $150 for each plan. However, Arkansas homeowners can choose a $100 or $125 service call fee and pay a slightly higher monthly premium instead. 

    Plan Starting Monthly Cost
    Complete Home Plan$49.99
    Built-in Systems Plan $39.99
    Appliances Plan$34.99 

    Home warranties all cover different aspects of your home, so it’s tough to say exactly what yours will cover and what it will exclude. Most home warranties either provide coverage for home appliances, home systems, or both.

    If you choose a plan that covers appliances, you’ll often get coverage for your refrigerator, oven, cooktop, microwave, dishwasher, clothes washer, clothes dryer, and more. Some minor appliances like your garbage disposal or trash compactor are other common inclusions. When you submit a claim for one of these items, you’ll typically get repair or replacement at just the cost of the service fee.

    If you choose a plan that covers home systems, common inclusions are plumbing, heating, and electrical systems, HVAC ductwork, air conditioners, water heaters, garage door opener, and central vacuum systems. Again, coverage will typically include repair or replacement, depending on what is needed.

    In most cases, you can determine exactly what is and isn’t covered in a home warranty by looking at your service contract. However, some common exclusions are pre-existing home damages, cosmetic repairs, and damages or system breakdowns caused by a lack of maintenance. Every home warranty is different, so you should always check your contract before signing to ensure you know what is excluded.


    Biggest Complaints about Home Warranty Companies in Arkansas

    Most Arkanites are pleased with their home warranty service, but there are some complaints that pop up regularly from customers in the area.

    One of the most common issues we see in online customer reviews is a lack of coverage where coverage was expected. Some customers believe that their home warranty company just denies coverage to save money. However, based on the company responses, it seems clear that it’s more likely a misunderstanding of the contract and coverage exclusions. Be sure to read your contract thoroughly before signing.

    Another common complaint is that the out-of-pocket charges are higher than the service fee for certain repairs or replacements. In most cases, this is due to coverage caps, which are a limit set on payouts from your home warranty company. If your repair or replacement is more than the coverage cap, you’ll be on the hook for the difference. Make sure you understand coverage limits entirely before committing to a home warranty provider.

    Our Top Pick
    Best for Customization
    VISIT SITE
    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage
    Best Coverage Limits
    AHS Logo
    VISIT SITE
    Limited Time:
    40% Off Our Most Popular Plan
    Best Customer Ratings
    VISIT SITE
    Limited Time:
    $150 Off + 1 Month Free
    Best Claims Acceptance
    choice home warranty logo
    VISIT SITE
    Limited Time:
    $50 Off + 1 month free!

    Frequently Asked Questions About Arkansas Home Warranties

    How much does a home warranty cost in Arkansas?

    Although prices differ by company and coverage details, most home warranties in Arkansas cost between $30 and $60 per month. That works out to $360 to $720 per year, but you can often save money by paying your premiums annually instead of monthly.


    What’s the difference between a home warranty and homeowners’ insurance?

    Homeowners’ insurance is there to protect you from catastrophic events. If your home or possessions are significantly damaged or destroyed by fire, theft, vandalism, severe weather or earthquakes, for example, your insurance will often pay for repair or replacement. However, home warranties cover more routine breakdowns that happen over the lifetime of an appliance or system. If a covered appliance wears out, your home warranty will often pay to get it fixed or replaced.


    What’s the difference between a home warranty and a manufacturer’s warranty?

    A home warranty applies to all the appliances and systems listed in your contract, regardless of age or brand. On the other hand, a manufacturer’s warranty usually only applies to individual, newly-purchased items of a certain brand. Additionally, while a home warranty covers items from normal wear and tear, a manufacturer’s warranty will only apply if a part of the item came off the assembly line defective. For this reason, manufacturer’s warranties only last a few years after purchase.


    What should I look for in a home warranty?

    Here are some questions to ask about each home warranty or company you consider.

    • How trustworthy is the company? How long has it been in business? How well does it handle complaints?
    • Does the home warranty cover only wear and tear or other types of damage as well?
    • What appliances and systems are covered? What parts of these appliances and systems are or aren’t covered?
    • What are the coverage limits for each covered appliance or system?
    • How easy is it to file a claim? How easy will it be to speak to my claim representative once the process is started?



    Today's Homeowner Home Warranty Ranking Methodology

    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 quote 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.

    Editorial Contributors
    avatar for Annie Gallay

    Annie Gallay

    Annie is an expert in the field of home warranty coverage, and part of an external review team that is independent from Today’s Homeowner. She rates and reviews products and services to help our readers save time, find value and make better decisions.

    Learn More

    photo of Roxanne Downer

    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

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