Delaware is one of the smallest states in the nation, yet it still has more than 400,000 homes. The excellent climate, friendly people, and beautiful scenery are enough to make anyone move to the Delaware area. However, living in Delaware does not make you exempt from the pressures and stress of homeownership.

Home warranties are often a sound investment in Delaware, primarily because of the hot summers, cold winters, and high year-round humidity. These weather conditions can put added strain on your heating and cooling equipment, as well as your freezers and refrigerators. Some of the best home warranty companies in the area provide coverage for all of these systems and appliances to keep you adequately protected.

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

    Delaware’s Best Home Warranty Companies in 2024

    Liberty Home Guard is our top pick for home warranties in Deleware, but it’s not the only worthwhile option. When deciding on your Delaware home warranty, don’t be afraid to get a few quotes from various companies, like the industry leaders listed below. This is a great way to compare the overall costs and ensure that you are getting a plan that you can live with.

    Liberty Home Guard: Best For Customization
    Why Trust Us?

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


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


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


    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 Delaware

    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 in-depth reviews of several top providers.

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink



    12-48 hrs.


    AHS Logo



    24-72 hrs





    48 hours


    choice home warranty logo



    24-48 hrs.


    select home warranty logo



    24-48 hrs.


    AFC Home Warranty logo



    48 hours


    first american logo



    48 hours





    2–24 hrs





    2–24 hrs



    *Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.

    How to Choose the Best Home Warranty in Delaware

    At this point, you should be feeling a bit better about the top four choices in the Delaware market. However, now comes the tricky part of picking out the policy that is best for your needs. There are many things to look for when narrowing down companies, but three of the most important are the BBB rating, overall pricing, and service plan structure.

    Although the BBB rating is not the only factor to consider, it does give you some idea of how the company is performing and what customers have to say about it. The home warranty industry is tough, and not all negative reviews give you the entire side of the story; instead, look to see how companies respond and deal with these issues and ratings.

    When considering the overall pricing of the plan, look at the monthly costs, service fees as well as policy caps or coverage limits. This is the best way to tell which plans are going to be the most cost-effective.

    Take a look at the fine print involved with the home warranty service contract. There are often specifics related to what is covered and what is not covered. Ensure you fully understand what your policy can do for you.

    The above factors are important things to think about no matter where you live, but there are additional things to consider in order to find the best home warranty for your purposes in Delaware.

    First, Delaware experiences higher year-round humidity than most other states. High humidity puts added strain on your air conditioner because humid air naturally feels warmer. You and your family will very likely demand more from your AC to compensate for the humidity, and this can put added strain on your AC system, which can lead to breakdowns and maintenance issues. Choosing a coverage plan that includes AC coverage in Delaware is often a good idea.

    The high humidity can also put strain on your refrigerator, as the condenser works to remove humidity and keep the interior temperature cool. Home warranty plans that cover refrigerators are often a good idea in Delaware, where humidity is above an average of 70% year-round.

    Finally, you might also want to consider a home warranty that includes coverage for your heating system. Delaware residents can experience freezing temperatures for five months out of the year, which means heating systems will be called on regularly to keep homes comfortable and safe. Home warranties that cover heating system damages and outages can be a great thing to have for peace of mind during the cold winters.

    How Much Does a Home Warranty in Delaware Cost?

    A home warranty in Delaware will range between $35 and $75 per month. The higher the monthly payment, the more added coverage the plan will have. Ensure that you consider the service fees when you look at the overall cost of the plans. Service fees can range from $60-$150. Many companies also have add-on coverage options available to customize your coverage plan, but keep in mind that these options always come with an added cost. The below table provides average home warranty prices in Delaware based on different property types.

    Single Family$596.90
    Home Over 5,000 sq ft$1,294.73
    Home Under 5,000 sq ft$662.32

    Home Warranty Cost Calculator

    Mississippi can use our home warranty cost calculator to help budget for a new plan. Just type in your monthly premium, service call fee, estimated number of service visits and the tool will provide the full annual cost of a plan.

    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 Delaware

    In 2019, Delaware signed into law H 106 regarding service contracts: The law reads in part:

    “The offering, sale, or issuance of a service contract, vehicle theft protection product warranty, or maintenance agreement shall not be considered insurance or subject to the insurance laws of this state unless made expressly applicable thereto.” 

    So, while some states regulate home warranties and other service contracts as insurance products, Delaware treats them as legal contracts but not as insurance.

    Resources for Delaware Homeowners and Home Buyers

    • Delaware State Housing Authority: For down payment assistance, financial information, and even homebuyer education, the Delaware State Housing Authority can be a great resource. 
    • Homeownership Assistance Delaware: The US Department of Housing and Urban Development can help Delaware homeowners and homebuyers considering purchasing a home. HUD helps from a financial and educational standpoint and is a federal resource for homeowners and homebuyers. 
    • US Department of Agriculture Rural Development: For Delaware homeowners who are considering purchasing rural land, the US Department of Agriculture Rural Development will offer programs and assistance. This is a resource that is worth considering before you make your final purchase in rural Delaware. 
    • Wilmington Department of Housing and Real Estate: If you are lucky enough to live in the Wilmington area of Delaware, the Wilmington Department of Housing and Real Estate can help. Access to affordable housing, builder loans, financing help, first-time homebuyer leads, and more are all provided by the Wilmington Depart of Housing and Real Estate. 
    • New Castle County Housing Assistance: New Castle County offers down payment assistance for those looking into homeownership in this area. If you have always thought that New Castle could be a good area for you to move to, this is a resource that is worth considering. 

    Our Reviews of the Best Deleware Home Warranty Companies

    Best for Customization

    Liberty Home Guard


    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    Liberty Home Guard is the most trustworthy home warranty in the state of Delaware. Being able to trust your home warranty company is a must. There are certain rules and restrictions that must be followed to ensure that your repairs and replacements are covered under a home warranty; Liberty Home Guard will communicate these and help you get your issues taken care of. In just two years on the market, Liberty Home Guard has managed to earn a BBB rating of an A. This is almost unheard of in the home warranty industry. Over the next several years, you can expect big things from this company.

    • Our Take: Most Trustworthy
    • Average Annual Cost: $779.88-$899.88
    • Response Time: Within 24 hours
    Outstanding customer service
    Easy process for filing claims
    60-day workmanship warranty included in all service calls
    A rating with the BBB
    More expensive than many competitors

    The Liberty Home Guard company has three plans for homeowners to choose from. There is a systems plan, appliance plan, and a comprehensive or combo plan. One of the things that makes the Liberty Home Guard policy stand out is that the add-on coverages are more extensive than any other home warranty company on the market. Whether you want a gutter cleaning or your pool added to your policy, you can do so with LHG.

    Here’s a detailed look at Liberty Home Guard’s coverage:

    • Appliance Guard ($64.99/month): As the name implies, the Appliance Guard plan protects your appliances, including microwaves, ovens, dishwashers, cooktop exhaust fans, refrigerators, garbage disposals, garage door openers, ceiling fans, and ice makers. The coverage is quite extensive as far as appliance plans go, so the price is easily justified.
    • Systems Guard ($69.99/month): The Systems Guard plan is the systems-only plan from LHG. This plan covers your plumbing, heating, and electrical systems, plus air conditioners, water heaters, bathroom exhaust fans, toilets, and HVAC ductwork. This plan is also quite expensive, but the coverage for home systems is extensive.
    • Total Home Guard ($74.99/month): The Total Home Guard plan is the most comprehensive and valuable plan from Liberty Home Guard. For just $5 to $10 more per month, this plan covers everything in both of the other plans. This is the most popular option from LHG in Delaware, given how comprehensive it is.

    Liberty Home Guard provides some of the most extensive add-on coverage options in the industry. You can customize any of the plans above with the below add-on options:

    • Pool and spa
    • Additional spa
    • Saltwater pool
    • Gutter cleaning
    • Floor/carpet cleaning
    • Sump pump
    • Fixtures
    • Water softener
    • Trash compactor
    • Lawn sprinkler system
    • Electronics protection
    • Swamp cooler
    • Ejector pump
    • Septic system pumping
    • Limited roof leak
    • Pest control
    • Locksmith
    • Free-standing ice maker
    • Central vacuum
    • Stand-alone freezer
    • Re-key
    • Second refrigerator
    • Wine refrigerator
    • Well pump
    • TV and PC
    • Generator
    • Water dispenser
    Best Coverage Limits

    American Home Shield


    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    American Home Shield is the most customizable plan in the home warranty industry. Having the ability to build your plan and your pricing to work specifically for your Delaware home is a tremendous benefit. American Home Shield has learned quite a bit about what homeowners need after spending the last 50 years offering home warranties in the state of Delaware. Although the coverage provided by American Home Shield is considered to be more premium home warranty coverage, it is an excellent choice for those that are serious about protecting their home. Even after 50 years in a complex business, AHS has maintained a BBB rating of B.

    • Our Take: Best Customizable Plans
    • Average Annual Cost: $419.88-$779.88
    • Response Time: Up to 48 hours
    Many years of experience
    High rate for payouts
    Many customization options available
    Unique options for coverage
    More expensive than other companies

    There are three American Home Shield plans to choose from. The first is a systems plan that is very basic and affordable. The other two options are considered comprehensive or premium options. The plans have a mix of systems and appliances covered. In addition, you can always choose from the long list of add-on coverages that American Home Shield provides, and you can get this plan customized and tailored to your needs.

    Here’s a detailed look at American Home Shield’s coverage:

    • ShieldSilver ($39.99/month): The ShieldSilver Plan is the systems-only option from AHS. This plan includes protection for your electrical, heating, and plumbing systems, which includes water heaters and HVAC ductwork. You also get protection for your air conditioning system, smoke alarms, and garage door openers.
    • ShieldGold ($49.99/month): The ShieldGold Plan offers a bit more coverage rather than being a stand-alone plan. This option includes everything in the ShieldSilver Plan, plus refrigerators, ovens, cooktops, microwaves, dishwashers, water dispensers, garbage disposals, clothes dryers, and washing machines.
    • ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan is the best value and the most comprehensive option from AHS. This plan includes everything in the Silver and Gold plans, plus an annual AC tune-up and coverage for refrigerant refills for your air conditioners. You’ll also enjoy lower service fees and higher coverage limits for greater peace of mind.

    American Home Shield provides several unique coverage options as add-ons, so you can customize any of the above plans with the below items:

    • Electronic extended warranty
    • Pool and spas
    • Well pump
    • Septic pump
    • Guest unit
    • PC and TV
    Best Claims Acceptance

    Choice Home Warranty


    Our Rating

    Limited Time:
    $50 Off + 1 month free!

    Choice Home Warranty is the best overall home warranty in the state of Delaware. Choice Home Warranty has been offering home warranty plans for the last 13 years. Each plan comes with a very simple and straightforward contract and some excellent customer service to help Delaware homeowners work out the details of their plans. The overall pricing of the Choice Home Warranty plan is quite fair. One of the things that will help this plan stand out is the impressive policy limits that they offer.

    Key Highlights
    • Our Take: Best Overall
    • Average Annual Cost: $504-$639.96
    • Response Time: Up to 48 hours
    Excellent customer service
    Broad range of coverage, options, and add-ons
    All plans include appliances and home systems
    Plans and coverage are easy to understand
    Not many customization options available

    Although Choice Home Warranty only offers two plans, these plans are unique. Most Delaware home warranty companies will offer systems, appliances, and a combo plan. However, the combo plan is considered premium and costs quite a bit more money. With the Choice Home Warranty plans, you will get a mix of systems and appliances, and the pricing remains fair throughout the plan. The policy limits tend to be anywhere from $2000 and above for most systems and appliances, and the service fee is just $85.

    Here’s a detailed look at Choice Home Warranty’s coverage:

    • Basic Plan ($42/month): Unlike most companies, the Basic Plan from Choice Home Warranty includes coverage for both appliances and home systems. You’ll get protection for ovens, cooktop exhaust fans, microwaves, dishwashers, garbage disposals, garage door openers, and ceiling fans. System coverage includes electrical, plumbing, and heating systems, plus protection for your toilets, water heater, and HVAC ductwork.
    • Total Plan ($53.33/month): The Total Plan is a more comprehensive option that includes everything in the basic plan, plus additional covered items. This plan also protects your refrigerator, clothes washer, and clothes dryer. Given the fridge coverage, this is a popular option in Delaware, where hot summers can put added strain on your refrigerator.

    If the plans above don’t cover everything you want to be protected, Choice Home Warranty offers some add-on coverage options as well. These include:

    • Central vacuum
    • Limited roof leak
    • Septic system
    • Septic tank pumping
    • Sump pump
    • Well pump
    • Pool/Spa
    • Second refrigerator
    • Stand-alone freezer

    Best Value

    Select Home Warranty


    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    The Select Home Warranty is the most cost-effective home warranty plan for Delaware homeowners. Regardless of the state you live in and your financial situation, it makes sense to look for a deal when it comes to a home warranty. Select Home Warranty offers homeowners very fair pricing, impressive coverage options, and free roof leak coverage with all of their policies. Select Home Warranty has been on the market for close to ten years. They have done a tremendous job of growing their service technician base and increasing the workmanship guarantee. In addition, some of the coverage caps on the Select Home Warranty have recently increased as well. This is a home warranty company that is headed in the right direction.

    • Our Take: Most Cost-Effective
    • Average Annual Cost: $624-$684
    • Response Time: Up to 48 hours
    Outstanding customer service
    All plans include roof leak coverage
    Great value for the money
    Extensive company history
    Lower coverage caps than many competitors

    Select Home Warranty has three plans to choose from. There is a systems plan, appliance plan, and combo plan. The three options are all reasonably priced, but the combo or comprehensive plan will offer the best coverage for the money. The Platinum Care plan includes the coverage in the Bronze and Gold, yet it is only a few dollars more per month. Overall you will find that there are also paid add-on coverages that you can add to this plan to increase the overall coverage offered.

    Here’s a detailed look at Select Home Warranty’s coverage:

    • Bronze Plan ($52/month): The Bronze Plan from Select only covers appliances, but it offers coverage for most home appliances in one package. It protects your refrigerator, cooktop, oven, microwave, garbage disposal, washers, dryers, and more. Remember, the Bronze Plan also includes roof coverage, which is normally an add-on product.
    • Gold Plan ($52/month): The Gold Plan is a systems-only plan and doesn’t include any home appliances. This plan covers your heating, plumbing, and electrical system, plus your air conditioning system, which is crucial in Delaware. HVAC ductwork and water heaters are also included in the heating and plumbing system coverage, and roof leak coverage is complimentary.
    • Platinum Plan ($57/month): The Platinum Plan from Select Home Warranty is the most cost-effective and comprehensive coverage plan available. It protects all of the appliances and home systems covered in the Bronze and Gold plans, which means it’s an outstanding value at just $5 more per month. Plus, it covers additional items, like ceiling fans, plumbing blockages, and garage door openers. Like all other plans from Select, this one also includes roof leak coverage.

    Select Home Warranty also has some add-on coverage options that allow you to customize your plan to suit your needs, including:

    • Pool
    • Spa
    • Septic system
    • Well pump
    • Sump pump
    • Lawn sprinkler system
    • Roof leaks
    • Central vacuum
    • Stand-alone freezer
    Best for Preventative Maintenance

    Cinch Home Services


    Our Rating

    Limited Time:
    2 Months Free On All Plans

    Cinch Home Services (CHS) has the best response times of all home warranty providers in Delaware. Plus, it has the most experience in the industry, as it started in 1978 as Cross Country Home Services. CHS has three plans that cover all critical appliances and home systems, along with several optional add-ons. Besides its great response time and always-available customer support, Cinch has a 180-day workmanship guarantee, which is double that of most providers.

    • Our Take: Best Response Times
    • Average Annual Cost: $336 to $816
    • Response Time: 2-24 hours
    180-day workmanship guarantee
    24/7/365 customer support
    Affordable monthly premiums
    High service call fees– $100 to $150
    Poor customer ratings

    Cinch Home Services has three plan options for Delaware residents– the Appliances Plan, which covers appliances-only, the Built-in Systems Plan which covers home systems-only, and the Complete Home Plan, which combines both. 

    Here’s what each plan covers: 

    • Complete Home Plan (Starting at $49.99 per month): The Complete Home Plan covers all appliances and home systems in the Appliances and Built-in Systems plans.
    • Built-in Systems Plan (Starting at $39.99 per month): The Built-in Systems Plan covers 18 home systems including, air conditioning systems, heating systems, electrical systems, plumbing systems, gas lines, and more. 
    • Appliances Plan (Starting at $34.99 per month): The Appliances Plan covers 10 home appliances including, clothes washer, clothes dryer,  ovens, ranges/cooktops, trash compactor, ice makers, built-in microwaves, dishwashers, built-in food centers, and refrigerators.

    Here are the optional add-ons that CHS offers ‌Delaware homeowners. Each option adds an extra cost to your monthly or yearly premium. 

    • Pool (heater included)
    • Spa (heater included)
    • Pool With Built-In Spa (heater included)
    • Well Pump
    • ​​Septic Tank/Pumping
    • Premier Upgrade Package (includes permits, code upgrades, removal and disposal costs and more)

    Home Warranties in Delaware Cities

    More Delaware Resources

    What is a Home Warranty?

    A home warranty is a protection plan for your appliances and/or home systems. It’s useful to think of a home warranty like a homeowners insurance policy that covers individual aspects of your home rather than your entire property.

    When you experience an issue with covered appliances or home systems, you can file a claim with your home warranty provider. The provider will then fix the issue or replace the damaged item, and you’ll just be charged a service fee in most cases. Home warranties provide ultimate peace of mind that you’ll never be hit with unexpected charges for severe damage to or issues with home systems or appliances.

    Every home warranty is different and provides varying levels of coverage for your home. Most basic plans either cover appliances or home systems, and comprehensive plans from different companies cover both.

    As far as appliance coverage, the majority of plans include refrigerators, ovens, cooktops, cooktop exhaust fans, microwaves, dishwashers, garbage disposals, washers, and dryers. Typical coverage for systems-only plans includes heating, air conditioning, plumbing, and electrical systems, which often include water heaters and HVAC ductwork. Issues arising from normal wear and tear are usually covered for these appliances and systems.

    Most home warranty companies also let you customize your coverage with add-on options. Some common add-on coverages include pools and spas, sprinkler systems, sump pumps, well pumps, and other outdoor utility lines.

    The specific items excluded by your home warranty will be detailed in your service contract. It’s important to read through and understand this document, as every plan is different and excludes different items and situations. However, there are some things that are excluded by most home warranties.

    Most warranty options exclude intentional damage to your home, cosmetic repairs, preexisting conditions, and damages or breakdowns caused by improper maintenance.

    How Does a Home Warranty in Delaware Work?

    To secure home warranty coverage in Delaware, you simply need to choose a provider, decide on a coverage plan that suits your needs, choose add-on coverages if applicable, and pay for the plan. After a brief waiting period — usually between 10 and 90 days — your coverage will begin.

    If, after your coverage begins, you notice a problem with a covered item in your home, you can follow the below steps to get the issue resolved:

    • Find a problem with a covered appliance or home system in your home
    • Report the issue to your home warranty provider. This is typically done via phone call or online. Some companies have a mobile app for streamlined reporting
    • Wait for your provider-appointed service technician to arrive and fix the issue or replace your damaged appliance or home system
    • Pay the service fee, which averages around $85

    Home Warranty vs. Homeowners Insurance

    It’s helpful to compare home warranties and homeowners insurance, but in reality, there are more differences between the two than there are similarities.

    The first major difference is in what the plans cover. A home warranty includes protection for individual home appliances and home systems, while a homeowners insurance policy covers your entire home, which can include damage to individual components. This might seem like a minor distinction, but it makes a big difference in terms of how and when you get coverage. This brings us to the second major difference.

    Home insurance policies typically require a major catastrophic event before coverage kicks in. For example, you wouldn’t file a claim for a fridge that stops working, but you would for damage caused by a tree falling, a hurricane, a tropical storm, or some other natural disaster. On the other hand, coverage for a home warranty kicks in for much smaller issues, like an AC system going down, your water heater failing, or a refrigerator breaking down from excessive use.

    Finally, homeowners insurance often comes with a high deductible, which is an out-of-pocket cost you’ll pay before coverage kicks in. In most cases, the deductible will be thousands of dollars. A home warranty doesn’t include a deductible and instead requires that you just pay a service fee for each service call. The average service fee is $85, so it’s much lower than a home insurance policy deductible. However, home insurance policies also have much higher payout limits than home warranties.

    Biggest Complaints about Home Warranty Companies in Delaware

    The majority of homeowners in Delaware are pleased with their home warranty coverage, but there will always be some customers who are unhappy with their service providers.

    One common complaint about home warranties in Delaware is that the coverage is denied for what seem to be covered issues. It’s important to remember that every home warranty has exclusions, and one of the most common is damage caused by improper maintenance. If your air conditioning system goes down and your service representative determines that the issue was caused by a lack of proper maintenance, you’ll still be on the hook for the service fee, and your coverage will be denied.

    Another common issue we see in Delaware is that certain repairs for covered items come with higher out-of-pocket costs than anticipated. Another important thing to remember is that home warranties come with annual coverage caps and coverage limitations per covered item. If your coverage cap for a fridge is $2,000 and you need a replacement, the chances are good that your total will be higher than the coverage cap. In that case, you’ll be responsible for the difference in addition to the service fee.

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

    FAQs About Delaware Home Warranties

    Are Home Warranties in Delaware Worth It?

    A home warranty is well worth the money that you will pay in most cases. Most homeowners find that after just one or two issues around the home, they will be able to justify the costs that they have spent on their home warranty policy. This is a very functional home policy to have in place that will likely get more use than you even realize.

    For example, consider the average amount you’d pay for a single service call to a plumber, electrician, or HVAC tech. The average price would be around $300, and that doesn’t take into consideration major issues, like a clogged sewer line or total HVAC system failure. These expenses could easily run into the thousands of dollars. With a home warranty, though, you’d pay just $85 per call in most cases. That means after one or two service calls per year for any of your home systems, your warranty pays for itself.

    Similarly, any fridge repair or maintenance call for other major kitchen appliances averages around $400. When you consider the service call fee you’d pay with a home warranty of just $85, the home protection plan quickly becomes worthwhile.

    Many homeowners find home warranties to be worth the investment just for the peace of mind. A home warranty ensures that you’re not hit with unexpected charges for expensive home repairs, which means you can budget and save more efficiently.

    What is the best home warranty company in Delaware?

    The best home warranty in Delaware is Choice Home Warranty. Choice offers various impressive coverages, fair pricing, and more than 13 years of experience in the industry. It’s hard to go wrong with the home warranty coverage offered by Choice, regardless of the age of your home.

    Do home warranties cover appliance replacement?

    Most home warranty companies will cover appliance replacement. The replacement costs will depend on the age of your current appliance, the policy limits in place, and the specifics of your home warranty plan. You won’t always be able to expect a completely new appliance for no cost, but the home warranty will undoubtedly help you pay a reduced price for your new appliance or major system.

    What is a service fee?

    A service fee is a flat rate you pay for every service call and claim you make to your home warranty company. Service fees help your provider recuperate some of the money lost for coverage, and they’re a small price for homeowners to pay for the coverage that often extends up to $2,500 or more. The average service fee is just $85, although they range from $65 up to around $150.

    Who needs a home warranty?

    Any homeowner can benefit from a home warranty, as they provide coverage for home damages and issues with appliances and home systems. They are most useful to homeowners living in aging houses, first-time homebuyers moving into a new home, and sellers in the real estate market looking to cover repairs that might be required prior to the sale of their home.

    Methodology: How We Evaluated Mississippi's Top 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.

    Editorial Contributors
    avatar for Dan Simms

    Dan Simms


    Dan Simms worked in real estate management for five years before using his experience to help property owners maintain their own homes. He got his master’s degree in English Literature and Creative Writing, and he now enjoys sharing his knowledge about homeownership and DIY projects with others on Today’s Homeowner. When he’s not writing, he’s usually outdoors with his wife and his dog, enjoying mountain biking, skiing, and hiking.

    Learn More

    photo of Roxanne Downer

    Roxanne Downer


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

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