When temperatures rise and humidity increases, the last thing you want is for your air conditioning system to fail. In Florida, this system is an essential part of your home, but when it breaks down, it can cost you thousands of dollars to get it back up and running.
With a Florida home warranty, you save money when your home appliances and systems break and get coverage for all of your major home systems.
Florida is located in a humid climate where it rains often, so the climate isn’t exactly friendly to roofing materials. Many of the best home warranties offer leaky roof protection as an additional benefit, while others even include it in their home warranty plans at no additional cost.
Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.
What Are the Best Home Warranty Companies in Florida?
The best home warranties in Florida can provide excellent warranty protection for your new home, but some companies provide better home protection than others. The top home warranty providers that we have identified include:
- Liberty Home Guard: Best for Customization
- Select Home Warranty: Best Value
- American Home Shield: Best Coverage Limits
- Choice Home Warranty: Best Claim Acceptance Rate
- AFC Home Club: Best Additional Benefits
Our expert reviewers gather free quotes and evaluate cost data from each of our top warranty providers. The quotes below represent the price of a home warranty plan for a single-family 2,500-square-foot home in Miami.
Best for Customization: Liberty Home Guard
Liberty Home Guard has one of the best reputations and some of the best customer reviews in the home warranty industry. Its customizability makes it the perfect choice for Florida homeowners.
Why We Chose Liberty Home Guard in Florida
Liberty Home Guard is one of the most customizable home warranty providers. With more than 34 add-ons, home services, and home warranty coverage for luxury home appliances — such as pest control, power washing, pool and spa coverage, and limited roof leak — you can create a customized home warranty plan for your Florida home or vacation home.
Most home warranty companies do not offer coverage for high-end appliances, but with Liberty Home Guard, you can purchase coverage for your professional dishwasher, washing machine, oven, clothes dryer, freezer and refrigerator.
Liberty Home Guard also offers excellent coverage for your air conditioner, including $2,000 in coverage. LHG provides coverage for ductless central AC or up to two window air conditioners, unlike other providers that only cover central air conditioners. This is good news for Florida homeowners who want to ensure their homes stay cool during the hot months.
Learn more: Read our review of Liberty Home Guard.
Plans, Pricing, and Coverage Options
Liberty Home Guard offers three protection plans that cover appliances, systems, or both. Florida residents who want air conditioner coverage should check out Systems Guard and Total Home Guard plans, but those with newer HVAC may be interested in the Appliance Guard plan:
- Appliance Guard (starting at $49.99 per month): If you have newer HVAC systems and only want appliance coverage, then choose this plan that includes your clothes dryer, refrigerator, built-in microwave, dishwasher, garbage disposal, range/oven/cooktop, ceiling fans, exhaust fans, and garage door openers.
- Systems Guard (starting at $54.99 per month): If you have newer appliances and want to cover your systems, choose this plan that includes air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
- Total Home Guard (starting at $59.99 per month): If you want full coverage for your Florida home, you may want this plan that includes everything in the Appliance Guard and Systems Guard plans, including your air conditioning, heating system, dishwasher, and garage door opener.
Optional Add-ons
Liberty Home Guard is well known for its expansive list of add-on items., more than most other home warranty providers. With more than 34 options for add-on coverage, you can create a warranty plan customized to your needs. You can get warranty coverage for your pool, spa, septic system, central vacuum, doorbells, pest control, hot water dispenser, and more.
Exclusions and Coverage Limits
Liberty Home Guard only covers the cost of repairing your home systems and appliances when they break down due to normal wear and tear. The maximum coverage limit for your home systems is $2,000 per system, and the coverage limit for additional coverage ranges from $250 to $500 per item per coverage term.
Get a quote: Find more information about plans and pricing from Liberty Home Guard.
Best Value: Select Home Warranty
If you want to get the most value out of your home warranty plan, then Select Home Warranty should be at the top of your list due to its low service call fee, affordable monthly premium, and high standard of service.
Why We Chose Select Home Warranty in Florida
Select Home Warranty (SHW) has three warranty plans that offer some of the best value for Florida homeowners. Select is one of the only home warranty providers that offer free roof-leak coverage with any of their plans. With this coverage, you can get up to $500 in leaky roof protection, which is necessary for the wet Florida climate.
At just $65 to $75 per claim, Select Home Warranty has some of the lowest service call fees around. In addition, SHW’s additional coverage costs start at just $3.33 per month to cover important add-ons such as your pool, spa, and sprinkler system.
Learn more: Read our comprehensive review of Select Home Warranty.
Plans, Pricing, and Coverage Options
Select Home Warranty has three plans that cover systems, appliances, or a combination. The Gold Care or Platinum Care plans may be best if you want air conditioning coverage for your home. But if you have newer home systems, you may start with the Bronze Care plan. Each plan includes the following:
- Gold Care (starting at $60.42 per month): This systems plan is ideal for Florida homeowners who want to stay cool in the summer. It includes air conditioning, heating system, plumbing system, electrical system, water heater, and ductwork.
- Bronze Care (starting at $60.42 per month): This appliance plan covers your clothes washer and dryer, garbage disposal, refrigerator, stove/oven, built-in microwave, cooktop, and dishwasher.
- Platinum Care (starting at $63.75 per month): This plan covers all the systems and appliances in the Gold Care and Bronze Care plans, such as your water heater, air conditioner, and washing machine.
Optional Add-ons
Even though Select’s basic coverage plans offer excellent warranty coverage for your major appliances and home systems, many homeowners choose to add additional coverage because Select’s add-ons are so cheap. For between $3.33 and $8.33 per month, you can add crucial items such as your ice maker, sprinkler system, and stand-alone freezer.
Exclusions and Coverage Limits
Select Home Warranty only covers the cost to repair or replace your home systems and appliances when they break down due to normal wear and tear. You may receive up to $3,000 in coverage for each HVAC unit and up to $500 per appliance, plumbing system, and electrical system.
Get a quote: You can find more information on plans, pricing, and coverage options with our full review of Select Home Warranty.
Best Coverage Limits: American Home Shield
American Home Shield (AHS) has long been a leader in the home warranty industry. With three comprehensive plans that offer some of the best coverage limits available, Floridians cannot pass up a home warranty plan from AHS.
Why We Chose American Home Shield in Florida
Not every home warranty provider covers the full cost when your systems and appliances break and need to be replaced. But with American Home Shield, you have unlimited coverage for your home systems, such as your air conditioning and heating systems.
In addition to unlimited system coverage, you get up to $3,000 per home appliance, which is significantly higher than other warranty providers’ coverage. These generous coverage amounts make American Home Shield a great option for Florida homeowners who want to save the most money when their home systems and appliances break down.
Learn more: Read our home warranty review of American Home Shield.
Plans, Pricing, and Coverage Options
American Home Shield’s warranty plans offer comprehensive coverage in all three packages. Even the most basic system coverage includes unlimited system coverage and home maintenance discounts. These plan options include the following:
- ShieldSilver (starting at $49.99 per month): This system’s plan covers heating, cooling, electrical, and plumbing systems. It also includes discounted home maintenance services.
- ShieldGold (starting at $69.99 per month): This plan covers 23 major household systems and appliances, including heating, cooling, electrical and plumbing, discounted home maintenance services, kitchen appliances, and laundry appliances.
- ShieldPlatinum (starting at $99.99 per month): This comprehensive plan covers 23 major household systems and appliances, such as your air conditioning, refrigerator, electrical systems, plumbing systems, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for code violations and permits. Plus, this plan includes critical roof leakage protection for Florida homeowners.
Optional Add-ons
AHS provides additional coverage for your Florida home’s major systems, including your pool, hot tub, guest unit, and electronics. The ShieldPlatinum plan includes roof leakage protection, but you can easily add this protection to one of the other home warranty policies.
Exclusions and Coverage Limits
American Home Shield provides warranty coverage for older appliances, preexisting damage not previously detected, failures due to lack of maintenance, and even home appliances for which maintenance records are not available. Plus, you get unlimited system coverage and up to $6,000 per appliance to cover replacement costs.
Get a quote: Get more information about the plans and pricing offered by American Home Shield.
Best Claim Acceptance Rate: Choice Home Warranty
Choice Home Warranty (CHW) is an affordable home warranty option that offers low $85 service call charges and high $3,000 coverage limits. With more than 5 million claims successfully handled, Choice is an experienced home warranty service that is perfect for your Florida home.
Why We Chose Choice Home Warranty in Florida
Choice Home Warranty (CHW) offers two home warranty options that cover home systems and appliances. Although the Basic Plan is affordable and provides excellent coverage, it may not be the best choice for all Floridians because it does not provide coverage for air conditioners. The Total Plan, on the other hand, does cover air conditioners.
If something was wrong with one of your household systems and appliances before your plan became active, there’s a good chance CHW will cover it as long as the damage was not discovered beforehand.
Learn more: You can find more information on plans, pricing and coverage options with our full review of Choice Home Warranty.
Plans, Pricing, and Coverage Options
Choice Home Warranty offers only two home warranty plans that cover both systems and appliances. The Basic Plan is ideal for Florida residents who want good coverage for their major home systems and appliances. The Total Plan is more comprehensive and includes air conditioners.
- Basic Plan (starting at $46.84 per month): This combo plan is perfect for Floridians who want full coverage for an affordable price. Covered items include your heating system, electrical system, plumbing system, plumbing stoppage, water heater, Whirlpool bathtub, oven/cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, and ceiling/exhaust fans.
- Total Plan (starting at $54.75 per month): This plan is recommended for Florida homeowners because it includes the systems and appliances in the Basic Plan with the addition of your clothes dryer, clothes washer, refrigerator, and air conditioning system.
Optional Add-ons
Choice Home Warranty provides additional coverage for your pool, hot tub, well pump, sump pump, central vacuum, and more. CHW offers good roof leak protection and covers up to $500 to repair holes in your roof.
Exclusions and Coverage Limits
Choice Home Warranty covers only the cost of repairing home appliances and systems when they fail due to normal wear and tear. If the system or appliance has broken down due to misuse, lack of maintenance, improper installation, or acts of nature, this warranty provider does not cover it.
CHW has a generous coverage cap of $3,000 for all systems and equipment covered under the Basic or Total plans, but add-on items have a coverage cap between $250 and $500 per item. Coverage may differ if you live in California and Georgia, so consult your service contract for the most accurate coverage.
Get a quote: Learn more about the plans and pricing offered by Choice Home Warranty.
Best Additional Benefits: AFC Home Club
The main purpose of a home warranty is to save you money if a system or appliance in your home fails, but some providers go beyond this basic coverage. AFC Home Club is one of those companies, and this provider offers additional benefits that make it a great option for Florida homeowners.
Why We Chose AFC Home Club as Best Additional Benefits in Florida
AFC Home Club offers four plans that allow you to choose the perfect home warranty plan for your budget. But in addition to great warranty protection, AFC also offers its warranty customers access to additional benefits and savings, including:
- Cove Smart Home Security discount
- Discounted home and auto insurance
- Free utility concierge service
- Discounts on Encompass home parts and goods
- Discounted emergency, pet, dental and vision insurance
- Discounted whole life insurance, cyber ID protection and accidental death insurance
- DealCash discounts
You can choose the service call fee, which will be $75, $100, or $125. If you choose a higher service fee, your monthly premium will be lower, so the fee you choose will depend on your budget.
Plans, Pricing, and Coverage Options
AFC Home Club offers four different warranty plans designed to fit any budget. Florida homeowners may be particularly interested in the Systems, Gold, and Platinum plans as these plans cover your air conditioning and home systems:
- Silver (starting at $30 per month): This appliance plan protects your washer, dryer, oven/cooktop, dishwasher, garbage disposal, and garage door opener,
- Systems (starting at $38 per month): This major systems plan covers your air conditioning, heating, electrical, plumbing, ductwork, and water heaters.
- Gold (starting at $45 per month): This combo plan covers all items included in the Silver and Systems plans, such as your air conditioning, clothes washer, and garage door opener.
- Platinum (starting at $50 per month): This comprehensive combo plan covers everything in the Gold plan plus your faucets, built-in microwave, ice maker, ceiling fans, and exhaust fans.
Optional Add-ons
AFC Home Club offers 12 additional add-on items, including your pool, hot tub, freezer, well pump, sump pump, roof leak repair, and more. You’ll also have access to discounted home maintenance services and security systems.
Exclusions and Coverage Limits
AFC Home Club covers the cost of repairing or replacing household appliances and equipment when they fail due to normal wear and tear. Damage caused by improper use, human error, or natural disaster is not covered.
After the 30-day waiting period, you will receive coverage of up to $3,000 for each major appliance and system in your policy. Add-on item deductibles range from $150 to $1,000. You also get a generous workmanship guarantee that lasts the life of your service contract.
Get a quote: Learn more about AFC Home Club plans and pricing.
So, What is the Best Home Warranty for Your Florida Home?
Because every homeowner’s needs differ, no home warranty company fits all. Instead, each home warranty provider has strengths that make it a better fit for one Florida home over another.
If you want the most comprehensive coverage for your air conditioner, you should choose American Home Shield, as the coverage amount for systems is unlimited. However, if you want additional pool and spa coverage or pest control coverage, Liberty Home Guard may be the right provider for you.
When researching each home warranty provider, it’s best to note which systems and appliances need to be covered, how much you want to spend each month, and what your homeowners insurance covers. Then you can choose the best home warranty company based on your needs and budget.
Compare the Best Home Warranty Companies in Florida
| Provider | Monthly Cost | Service Fee | Response Time | Coverage Limit | States Covered |
| Liberty Home Guard | $49.99–$69.99 | $65–$125 | 12–48 hours | $500–$2,000 | 48 states, excluding WA and WI |
| Select Home Warranty | $60.42–$63.75 | $75 | 24–48 hours | $250–$3,000 | 47 states, excluding NV, WA, and WI |
| American Home Shield | $49.99–$99.99 | $75–$125 | 24–72 hours | $3,000–$6,000 | 49 states, excluding AK |
| Choice Home Warranty | $46.83–$54.75 | $85 | 24–48 hours | $3,000 | 49 states, excluding WA |
| AFC Home Club | $30.00–$60.00 | $75–$125 | 24–48 hours | $150–$3,000 | 49 states, excluding HI |
FAQs: Best Home Warranties in Florida
Purchasing a home warranty for your Florida home can save you thousands of dollars in repairs, not to mention offer peace of mind. Now that you know which providers offer the best home warranties in Florida, check out our frequently asked questions for more information about home warranty plans in Florida.
What is the average cost of a home warranty in Florida?
The national average cost of a basic home warranty is $50 per month, but Florida homeowners and homebuyers can expect their warranty plan to range from $45 to $65 per month for a single-family home. The cost of your home warranty may be more if you include add-ons, such as roof leak protection.
Who pays for a home warranty in Florida?
In Florida, you pay a monthly premium and a service fee when you file a claim. If your broken home system and appliance qualifies for warranty coverage, your warranty provider will pay for the cost of repair or replacement. Warranty coverage is based on the amount of your coverage cap, so if the cost of repairs exceeds this limit, you may have to pay the difference yourself.
What does a home warranty cover in Florida?
Home warranty plans cover your most essential home systems and appliances, such as your HVAC, plumbing, and refrigerator. Many home warranty service providers offer optional coverage that you can add to your plan for an additional cost, such as pest control and pool coverage.
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.
