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If you’re a Florida resident, a home warranty can cover your home’s most important appliances and systems, such as your refrigerator and air conditioning, when they break down due to normal wear and tear. Not only will a home warranty make repairs more affordable, but having a home protection plan will prevent you from having to find a reliable contractor on your own to perform the necessary repairs since most home warranty companies have a network of trusted technicians.
In this article, we analyzed the best home warranty providers in the industry, analyzing them on factors such as coverage, cost and customer service. All cost information is based on sample quotes for a single-family Florida home under 5,000 square feet. Whether you live in Jacksonville, Tampa or Miami, keep reading for our top home warranty picks.
In This Article:
- Best Overall: American Home Shield
- Best for Value Shoppers: Select Home Warranty
- Shortest Waiting Period: The Home Service Club
- Our Verdict
- Frequently Asked Questions
Best Overall: American Home Shield
Founded in 1971, American Home Shield (AHS) is one of the oldest home warranty companies in the U.S. and has grown its coverage network to include 49 states, including Florida. American Home Shield’s three comprehensive coverage plans, extensive network of contractors and service call fee flexibility make it our top overall pick for a home warranty.
Pros & Cons
✓ Provides coverage for items that are damaged due to rust and corrosion
✓ Offers three flexible service fees of $75, $100 and $125
✓ Covers unknown pre-existing conditions on systems and appliances
✘ Plans start at a higher price than many competitor plans
✘ Workmanship guarantee is only good for 30 days
Plans & Coverage
American Home Shield offers three coverage plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan covers 14 items, such as your air conditioner, heater and ductwork. The ShieldGold plan covers 23 items, including your refrigerator, dishwasher and electrical system. The ShieldPlatinum plan covers the same 23 items in the ShieldGold plan, but it also covers a free HVAC tune-up and roof leak repairs.
In addition to these three plans, American Home Shield offers optional add-on coverage for your pool and spa, guest unit under 750 square feet, well pump, septic pump and electronics.
|Roof leak repairs||✓|
|Built-in exhaust, vent and attic fans||✓||✓||✓|
|Main breaker and fuse panel box||✓||✓||✓|
|Doorbells and chimes||✓||✓||✓|
|Interior electrical lines||✓||✓||✓|
|Interior plumbing lines||✓||✓||✓|
|Faucets and valves||✓||✓||✓|
|Whirlpool tub motor and components||✓||✓||✓|
|Built-in microwave oven||✓||✓|
|Instant hot/cold water dispenser||✓||✓|
American Home Shield’s plans range from $24.99–$64.99, with the price depending on the plan you select and the service fee you choose. If most systems and appliances in your home are new and made by trusted brands, then a higher service fee might make sense for you since it’s less likely that your items will break down. However, a lower service fee could be the right option for a homeowner whose systems and appliances are aging, with the expectation that they could soon break down due to wear and tear over time.
Here’s a monthly price breakdown for each American Home Shield plan based on each service fee:
|Plan||$75 Service Fee||$100 Service Fee||$125 Service Fee|
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Home Warranty Resources
- What is a Home Warranty?
- How Much Do Home Warranties Cost?
- Is a Home Warranty Worth It for You?
- Best Home Warranties in 2023
- Do Your Appliances Need Extended Warranties?
Best For Value Shoppers: Select Home Warranty
Since 2012, Select Home Warranty has offered comprehensive coverage for a lower price than most of its competitors. One perk of Select Home Warranty is its free roof leak coverage, which can be beneficial to Florida residents and protect them from leaks during the rainy season. The provider is available in 46 states, including Florida.
Pros & Cons
✓ New customers can get two months free when signing up for a plan
✓ Offers some of the most affordable plans in the industry
✓ Provides 24/7 customer service
✘ Has low coverage caps compared to most competitors
✘ Charges repeat service fees if a technician has to come back to make another repair
Plans & Coverage
Select Home Warranty offers three coverage plans: Bronze Care, Gold Care and Platinum Care. The Bronze Care plan covers appliances, such as your dishwasher and refrigerator, while the Gold Care plan covers home systems, such as your air conditioning and plumbing system. The Platinum Care plan covers everything in the Bronze Care and Gold Care plans and provides additional coverage for garage-door openers and plumbing stoppages.
Select also offers the following eight add-ons: Central vacuum, lawn sprinkler system, pool, spa, septic system, stand-alone freezer, sump pump, well pump
|Coverage||Bronze Care||Gold Care||Platinum Care|
Select Home Warranty has some of the most affordable plans in the industry, ranging from $41–$47 per month. The company also charges a $75 service call fee, which is on the low end of the industry average of $65–$125.
|Bronze Care||$41.00 per month|
|Gold Care||$41.00 per month|
|Platinum Care||$47.00 per month|
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Shortest Waiting Period: The Home Service Club
The Home Service Club (HSC) is another home warranty provider that could be a good option for Florida residents. The Home Service Club has a 10-day waiting period after you sign up for coverage, while most providers have a 30-day waiting period. The provider is available in all 50 states.
Pros & Cons
✓ Offers a 30-day labor guarantee and 90-day parts guarantee
✓ Provides a variety of optional coverage items
✘ Has a high service fee
✘ Is not accredited by the BBB
Plans & Coverage
The Home Service Club offers the Standard Coverage plan, which covers 16 items including your garbage disposal and heating system, and the Comprehensive Coverage plan, which covers a total of 31 systems and appliances.
The Home Service Club also offers add-on coverage to protect miscellaneous items in and around your home: Here’s a full list of optional add-on coverage provided by The Home Service Club: Sprinkler system line coverage, freestanding freezer, refrigerator built-in units with dual compressors, well pump, water softener, jetted bathtub, roof coverage, pool and spa equipment, spa and spa heater, sewage ejector pump, utility and home service line coverage
|Coverage||Standard Coverage||Comprehensive Coverage|
|Hot water pump||✓|
|Refrigerator ice maker||✓||✓|
|Hot water dispenser||✓|
Plans from The Home Service Club fall in line with the industry average of $40–$60 per month. However, both plans come with a $95 service call fee, which is higher than what most companies charge.
|Standard Coverage||$51.25 per month|
|Comprehensive Coverage||$62.50 per month|
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If you want to ensure your air conditioner is covered if it breaks down in the middle of summer or you want to protect your house when your roof starts leaking, consider investing in a home warranty. With a Florida home warranty plan, you can have peace of mind knowing that your most important home systems and appliances will be protected in the event of a sudden breakdown.
While American Home Shield is our top pick for Florida residents, we ultimately recommend getting free quotes from all three providers listed in this review so that you can compare plans and pricing and make the best decision when it comes to protecting your home.
Frequently Asked Questions About Florida Home Warranties
Do I need a home warranty?
A home warranty isn’t mandatory, but having one can prevent you from paying for expensive repairs if an important system or appliance unexpectedly breaks down. Additionally, most home warranty companies have a network of trusted technicians that can perform a repair or replacement for you, preventing you from having to find a high-quality contractor on your own.
How did Today’s Homeowner evaluate these companies?
Our team considered several factors such as coverage, pricing, state availability, consumer reviews and BBB ratings to determine the best home warranty companies in Florida.
Which home warranty is the best?
While we rated American Home Shield as the best home warranty company in Florida, Select Home Warranty and The Home Service Club are both great options for Florida residents. If you’re looking for an affordable plan, Select Home Warranty may be a good option. However, if you want a shorter waiting period, The Home Service Club could be a better choice.
We ultimately recommend getting a free quote from each company to compare coverage plans and pricing in your area.
Home Warranty Rating Methodology
To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:
- Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
- Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
- Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
- State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
- Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.
To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.
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