Townhouses offer convenience and low-maintenance living than regular homes. However, you still have to worry about unexpected appliance and system breakdowns, which can quickly dry up your cash. That’s where a home warranty comes in — they give you peace of mind and financial protection. However, most homeowners view the home warranty industry with lots of skepticism due to a few bad companies, confusing contracts, and claim denials. As a 2-time homeowner and home warranty expert, my goal is to provide trustworthy guidance and my educated opinions on the best home warranty companies for townhouses.
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To create this definitive list, I dove deep into extensive research and hands-on testing. I analyzed sample contracts, got pricing details, and even secret-shopped providers to replicate the customer experience. I evaluated each company using Today’s Homeowner’s comprehensive review criteria, which includes plans and coverage options, affordability, customer service, company reputation and history, claims process and efficiency, and transparency.
My experience owning and maintaining homes, combined with countless hours investigating the home warranty market, allows me to authoritatively sort the reputable providers from the subpar. I’ve seen home warranties save several families thousands of dollars worth of surprise repair expenses. That said, I also know how a bad plan from an unethical company (or simply the wrong coverage or plan type) can lead to frustration and wasted money. With this expertise, I’ve identified the top five home warranty companies that deliver exceptional value for townhouse owners.
These providers offer straightforward contracts, responsive service, fair pricing, and comprehensive coverage tailored to the unique needs of townhome living. They rise above the industry’s mixed reputation through proven track records of dependability and customer satisfaction. So, if you’re a townhouse owner looking for budget security against unexpected repair costs, keep reading to discover which top home warranty companies you can confidently trust.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information. Read our full Home Warranty Review Methodology for more details.
78 companies reviewed
152 quotes collected
6 rating factors
Top 5 Home Warranty Companies for Townhouses
Key Takeaways
- Liberty Home Guard (LHG) is my top choice for customization — it has over 40 optional add-ons, including unique offerings like pest control, electronics protection, and pro-series appliances. This flexibility to tailor your plan is unmatched by other providers and makes LHG an easy winner in my book.
- Pay close attention to the listed exclusions in each provider's sample contract. Many providers and plans exclude items with preexisting conditions or those that have been improperly maintained. American Home Shield (AHS) is the only home warranty provider that covers preexisting conditions — which is useful for older townhouses. Another benefit of AHS is its high coverage caps of $4,000 for appliances and $5,000 for home systems and a quick claims process.
- If your townhouse was recently built, you will likely have all new appliances and systems. In this case, you'd be covered by manufacturer's warranties for some time and won't need a home warranty right away. Most manufacturer's warranties cover one to five years of normal wear and tear on appliances and systems. So, if your townhouse is less than a year old, I recommend saving money and only getting home warranty coverage when you need it.
What’s Most Important in a Home Warranty for Townhouses?
While you’re looking for a home warranty plan for your townhouse, consider the age and condition of your appliances and systems. If you have newer, high-end equipment, I recommend a plan with higher coverage limits to make sure you never pay overages out of pocket. American Home Shield and Elite Home Warranty, for example, offer generous coverage caps of $4,000 and $6,000 for appliances and $5,000 and $10,000 for systems, respectively. On the other hand, if you have basic home systems and appliances or older equipment, a basic plan with a lower premium may be a better fit.
Secondly, think about any unique features or additional protections your townhome might need. Does your townhouse have a second refrigerator, a stand-alone freezer, a septic system, or even a pool that you’d like protected with a home warranty? If so, choose a provider with plenty of optional add-ons to cover these less common systems. Liberty Home Guard is a stand-out option in this case, with its 40+ add-on options
Expert Recommendation: After thoroughly evaluating the home warranty providers for townhouses, I recommend Liberty Home Guard. It has unparalleled customization options, responsive customer service, and comprehensive coverage at competitive prices — it is the best overall value and protection for townhome owners.
Home Warranty Companies for Townhouses I Don’t Recommend
I will no longer recommend Choice Home Warranty due to several red flags I’ve seen recently. One reason is the amount of customer complaints about the company on the Better Business Bureau (BBB), Trustpilot, and other customer review websites. Another big red flag is Choice’s pending lawsuit with the Attorney General in Arizona about alleged misrepresentations and unfair practices. Given these two glaring negatives, I’ll sideline Choice Home Warranty until it improves and resolves its legal matters.
Compare The Highest Rated Home Warranties for Townhouses
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Company
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Rating
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Monthly Cost
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Service Fee
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Response Time
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BBB Rating
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Link |
|---|---|---|---|---|---|---|
 Liberty Home Guard
Get Quote
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$50-$60 | $75 | 12-48 hrs. | NR | Get Quote | |
 American Home Shield
Get Quote
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$35–$75 | $100–$125 | 24-72 hrs | B | Get Quote | |
 Elite Home Warranty
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$44.99-$58.99 | $70 | 48 hours | A+ | ||
 Choice Home Warranty
Get Quote
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$46–$55 | $85 | 24-48 hrs. | B | Get Quote | |
 Select Home Warranty
Get Quote
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$52–$58 | $75-$85 | 24-48 hrs. | B | Get Quote | |
 AFC Home Warranty
Get Quote
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$38–$62 | $75–$125 | 48 hours | B | Get Quote | |
 First American Home Warranty
Get Quote
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$72–$87 | $75–$125 | 48 hours | B | Get Quote | |
 2-10 Home Warranty
Our Review
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$17–$60+ | $65–$100 | 24 hrs | A- | Our Review | |
 Cinch Home Services
Get Quote
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$28–$68 | $100–$150 | 2–24 hrs | B | Get Quote |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties for Townhouses
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard is my top choice for townhouses because of its affordable plans and flexible coverage options. With over 40 add-ons, including unique offerings like pest control, electronics protection, and pro-series appliances, Liberty Home Guard allows townhouse owners to fully customize their home warranty plan to cover almost every appliance and system they want. This level of customization is a significant advantage over competitors like Select Home Warranty and American Home Shield, which offer only a fraction of the add-on options. Additionally, Liberty Home Guard’s base plan prices are competitive with other leading providers, making it an excellent value for the level of coverage and peace of mind it provides.
However, Liberty has a small $2,000 coverage limit compared to competitors like American Home Shield and Elite Home Warranty. If you have newer appliances and systems, some repairs or replacements could cost more than this limit (which you’d need to pay for out of pocket). Despite this limit, I would still choose Liberty Home Guard’s Total Home Guard plan for a townhouse. Its extensive add-on options and ability to use your own contractors for repairs far outweigh the lower coverage limits. The company’s excellent reputation, transparent contracts, and quick claims process further solidify my confidence in recommending Liberty Home Guard to townhouse owners seeking a comprehensive and customizable home warranty solution.
What I like most about Liberty Home Guard is its unmatched flexibility in coverage options. With over 40 add-ons, including unique offerings like pest control, electronics protection, and pro-series appliances, Liberty Home Guard allows townhouse owners to fully customize their home warranty plan. This is a big plus over competitors like Select Home Warranty and American Home Shield, which only offer 6–12 add-on options. I also like that Liberty Home Guard’s base plan prices are competitive with other leading providers. Its fair pricing and the ability to cover every unique system and appliance in your townhome (along with adding services like pest control and window cleaning) can provide greater value and peace of mind in the long run.
One thing I don’t like about Liberty Home Guard is its low $2,000 coverage limits compared to many competitors. In comparison, American Home Shield offers coverage caps up to $4,000 and $6,000 for appliances and systems, and Elite Home Warranty goes even higher with $6,000 and $10,000 limits. Lower coverage limits are a risk for townhouse owners with high-end or expensive appliances and systems. If your repair or replacement costs more than $2,000, you’ll have to pay the overages out of pocket to cover the cost of repairs or replacements with Liberty.
Liberty Home Guard receives a well-deserved 10/10 rating for its plans and coverage options. The company offers three comprehensive plans: Appliance Guard, Systems Guard, and Total Home Guard. For townhouse owners, I highly recommend the Total Home Guard plan, which covers both systems and appliances, providing the most comprehensive protection. What sets Liberty Home Guard apart is its extensive list of optional add-ons, allowing you to customize your coverage to perfectly suit your townhome’s unique needs. With over 40 add-ons, including rare options like pest control, electronics protection, power washing, and pro-series appliances, Liberty Home Guard goes above and beyond the industry standard. While the base plan prices are competitive with other providers, the ability to tailor your coverage justifies the cost. The only plan that may not offer the best value is the Appliance Guard, as it limits your coverage to just appliances, leaving your townhome’s systems potentially unprotected.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | 2 months free, $225 off coupon |
| Systems Guard | $54.99 | $65 – $125 | 2 months free, $225 off coupon |
| Total Home Guard | $59.99 | $65 – $125 | 2 months free, $225 off coupon |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom townhouse under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard leads the pack with 42 optional add-ons. Many people move into townhouses as they often provide lawn maintenance/care, snow removal, and other outdoor services through the HOA. For this reason, I always recommend Liberty’s add-ons for TV mounting, window washing, pest control, gutter cleaning, and carpet cleaning services.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Ejector pump: $14.99/month
- Electronics protection: $19.99/month
- Freestanding ice maker: $14.99/month
- Generator: $19.99/month
- Grinder pump: $14.99/month
- Gutter cleaning: $14.99/month
- Ice maker (in-fridge): $3.99/month
- Instant hot water dispenser: $9.99/month
- Lawn sprinkler system: $9.99/month
- Lighting fixtures: $7.99/month
- Limited roof leak: $11.99/month
- Pest control: $14.99/month
- Plumbing fixtures: $7.99/month
- Pool and spa: $19.99/month
- Additional spa: $9.99/month
- Power washing (exterior flooring): $19.99/month
- Pro-series clothes dryer: $4.99/month
- Pro-series dishwasher: $7.99/month
- Pro-series microwave: $4.99/month
- Pro-series range/oven/cooktop: $12.99/month
- Pro-series refrigerator: $14.99/month
- Pro-series standalone freezer: $14.99/month
- Pro-series washing machine: $4.99/month
- Re-key: $9.99/month
- Reverse osmosis water filter system: $14.99/month
- Saltwater pool: $23.99/month
- Second refrigerator: $7.99/month
- Septic system pumping: $12.99/month
- Sump pump: $8.99/month
- Swamp cooler: $14.99/month
- Trash compactor: $7.49/month
- TV mounting (up to 65-inch TVs): $14.99/month
- TV mounting (up to 85-inch TVs): $19.99/month
- Water dispenser water line: $4.99/month
- Water softener: $13.99/month
- Well pump: $12.99/month
- Window washing/cleaning: $19.99/month
- Wine cooler/fridge: $11.99/month
Liberty Home Guard offers competitively priced plans — ranging from $49.99 to $59.99, which is on par with the average in the industry. However, with Liberty’s wide selection of optional add-ons, it’s easy to inflate your overall costs to nearly double that. For example, if you add just 3–5 coverage options ranging from $7.99 to $14.99 per month, you’ll add $24 to $75 per month to your bill. That said, these are “optional” add-ons that you don’t necessarily need, albeit many are tempting.
While I was secret shopping, I thought that the sales representative was helpful and transparent about pricing. They offered me a $225 discount on annual plans and two free months of coverage. They also provided a sample contract that clearly outlined the coverage limits and exclusions. While reading this contract, I saw that Liberty only covers items up to their “book value.” This statement means they won’t pay for the full replacement cost of an item but rather its depreciated value. In other words, they will only pay you what they think your appliance is currently worth — like giving you $1,000 for a 3-year-old refrigerator that you originally bought for $1,500.
I think Liberty Home Guard provides a decent customer experience, earning a respectable 7.5/10 rating from me. It has a user-friendly website that lets you easily explore plans, compare coverage, view sample contracts, and select optional add-ons. When I called in for a quote, the customer service rep was generally helpful and was able to answer all my questions about pricing, coverage, and exclusions. One thing I liked was that they were pretty upfront about what a home warranty plan does and does not cover. A simple step like this prevents lots of future frustrations from customers. And while I had a good experience with Liberty, I found far too many recent reviews and complaints that state otherwise. Many customers have issues with claims and poor communication, which is why I could not rate Liberty higher.
Liberty Home Guard has an excellent reputation, earning a well-deserved 9.0/10 rating from me. It consistently receives positive reviews across major review platforms, with an impressive 4.7/5 stars on both Trustpilot and Google, based on over 12,000 reviews combined. While their Yelp rating is lower, it’s based on a much smaller sample size (and from a website that’s best for reviewing restaurants, not service providers). Most of the positive reviews I read praise Liberty Home Guard for its comprehensive coverage options, fast/responsive customer service, and easy claims process. These positive reviews extend back several years, which gives me confidence that Liberty will continue to trend as a leading provider.
| Rating Site | Rating | Number of Reviews |
| BBB | NR/ 4.48/5 stars | 2,479 |
| Trustpilot | 4.7/5 stars | 2,793 |
| 4.7/5 stars | 11,408 | |
| Yelp | 1.3/5 stars | 69 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 6/20/24): Recently, the Better Business Bureau shifted LHG’s A+ rating to “NR” (Not Rated). We reached out to a representative from LHG for comment, and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
Liberty Home Guard easily gets my rare perfect score for its claims process. It has an industry-leading average claim response time of just 12 hours. This is significantly faster than many of its competitors, with 24–48-hour response times for non-emergencies.
Quick turnaround times are important when you have an unexpected appliance or system breakdown in your townhouse at the worst possible time — like a failed AC unit on the hottest day of the summer or a broken clothes dryer with wet clothes in the laundry machine. Along with fast claims, Liberty Home Guard has 24/7 customer support and a user-friendly online claims submission process. You can easily submit and track your claims in your online dashboard. Additionally, Liberty has a high claim payout rate, with most claims being approved within 48 hours after the standard 30-60-day waiting period.
Liberty Home Guard gets a strong rating from me for its transparency and ease of use. Its website makes it easy to compare plans, coverage options, pricing, and exclusions. They also offer sample contracts online, which lets townhouse owners review the actual terms and conditions of a contract before they sign up. Liberty Home Guard’s contracts are written in clear, concise language, and it is extremely transparent and written in a way that’s easy to understand (i.e., with very little technical jargon).
Exclusions
LHG has the following exclusions from its plans, none of which are out of the ordinary or a downside for townhouses.
- Cosmetic defects
- Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
- Disposal of appliances, systems, or components
- Electronics, computerized, “smart,” or Internet/enabled components and parts
- Filters associated with any covered items
- Fire sprinkler systems
- Flues, vents, chimneys, and exhaust lines
- Glass parts
- Lighting
- Malfunction or damage caused by acts of God
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Liberty Home Guard earns a perfect 10/10 for flexibility in service providers, as it lets you use your own contractors for repairs or replacements. This is a significant advantage for townhouse owners who know and have experience with contractors near them, like a plumber four doors down that you’ve known for over 10 years. This flexibility sets Liberty Home Guard apart from many competitors that only let you use contractors in the network that it picks, which can sometimes lead to delays or inconsistent quality of work.
American Home Shield
4.3
Our Rating
American Home Shield is one of my top picks for townhouses because of its strong coverage limits and for covering preexisting conditions — which all other providers exclude. Its coverage caps are $4,000 for appliances and $5,000 for home systems. These are much higher than Liberty Home Guard, which caps coverage at just $2,000. If you own a townhouse and have expensive appliances and systems, AHS is the better option.
On the other hand, American Home Shield has a lot of negative reviews on the Better Business Bureau, Trustpilot, and Yelp. However, it has mostly positive (and far more) reviews on Google. Still, the negative reviews give me some pause, even though I know most people only review if they have a bad experience compared to a good or neutral one. Additionally, AHS’s lack of flexibility in allowing customers to choose their own service providers is frustrating to me, especially since some of their in-network contractors fail to meet expectations. That said, American Home Shield’s ShieldPlatinum plan gives you the best coverage for your townhouse — especially if you own premium appliances and systems. Its monthly costs are higher than average, but its high coverage limits and preexisting condition coverage more than make up for that.
I love American Home Shield’s higher coverage limits of $4,000 for appliances and $5,000 for systems. Competitors like Liberty Home Guard only provide $2,000 limited. So, if you have high-end or expensive items in your townhouse, you’ll be better off with these higher caps (i.e., you likely will never pay for overages out of pocket for repairs and replacements). Another thing that stands out to me with AHS is its coverage of preexisting conditions — no other provider offers this. Having preexisting issues covered is best if you have older appliances and systems and you’re unsure of their operating condition.
I dislike American Home Shield’s large amount of negative reviews on the BBB, Trustpilot, and Google. That said, I know it’s been around much longer than other competitors like Liberty Home Guard and Elite Home Warranty. With 50+ years in business, it has had a lot more time to build up negative reviews. However, I can’t deny what I see — many of the poor reviews are recent and look to be more prevalent than competitors.
I give American Home Shield a strong 9.0/10 rating for its plans and coverage. It has three plan tiers: ShieldSilver, ShieldGold, and ShieldPlatinum. For townhouse owners, I recommend the ShieldPlatinum plan since it provides the most comprehensive coverage, including both appliances and systems, as well as roof leak repair and code upgrades. One downside, though, is that American Home Shield’s plans are slightly more expensive than some competitors. However, I find that the higher coverage limits and inclusion of preexisting conditions make it an excellent choice for townhouse owners. That said, AHS doesn’t offer as many optional add-ons (just six total) as Liberty Home Guard and Elite Home Warranty, which is the only reason I couldn’t give it a perfect score in this category.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $29.99 – $39.99 | $100 – $125 | 20% off same-day sign-up discount |
| ShieldGold | $49.99 – $59.99 | $100 – $125 | 20% off same-day sign-up discount |
| ShieldPlatinum | $79.99 – $89.99 | $100 – $125 | 20% off same-day sign-up discount |
*If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $39.99 rate for the ShieldSilver plan pairs with the $100 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom townhouse under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
AHS has six optional add-ons. If your townhouse has a pool and/or spa, you can take advantage of the optional coverage for them.
- Electronics protection plan: $14/month
- Guest unit: $15.99/month
- Pool & built-in-spa equipment: $18/month
- Roof leak repair: $10/month
- Septic pump: $5/month
- Well pump: $8/month
American Home Shield is reasonably affordable and competitive — its monthly plan prices range from $29.99 to $89.99. One benefit they have is their flexible service call fee options of $75, $100, or $150. This flexibility lets you choose a higher fee for a lower monthly premium. So, if you have a newer townhome, you’d likely be better off choosing a higher service call fee for a lower monthly premium (since you’d expect to have fewer breakdowns/issues). I don’t find American Home Shield’s slightly higher monthly costs to be a dealbreaker. In fact, I’d expect to pay a little bit more for their generous coverage limits and inclusion of preexisting conditions. These benefits can save townhouse owners money in the long run by covering more expensive repairs or replacements.
American Home Shield gets a decent 8.1/10 rating for customer experience from me. I like that it has a user-friendly website and multiple contact options, including phone and online chat support. However, I’ve read several customer reviews complaining about issues with inconsistent service quality and delays in claims processing. When I recently got a quote from AHS, the sales representative I spoke to was helpful — she took the time to explain the various plan options and answer all of my questions. However, when I compare AHS to Liberty Home Guard and Select Home Warranty, American Home Shield’s customer service lags in addressing customer concerns and resolving issues swiftly, in my opinion.
After reading hundreds of reviews on Google, Trustpilot, and the BBB, it’s apparent to me that AHS has a mixed reputation. In its tens of thousands of reviews across these platforms, there are just too many complaints and poor experiences. For example, it has a poor standing on Yelp, with 1.1/5 stars and a low customer review score of 2.1/5 stars based on the BBB (with over 11,000 reviews). The most common complaints are about claims denials, slow service, and difficulty canceling plans. That said, AHS holds a strong rating on Google, with well over 30,000 reviews and a stellar 4.5/5 star rating. This shows me that most of its customers are happy and earns it a respectable 7.3/10 rating in my book.
| Rating Site | Rating | Number of Reviews |
| BBB | 2.1/5 stars/ B | 11,066 |
| Trustpilot | 2.2/5 stars | 5,355 |
| 4.5/5 stars | 33,297 | |
| Yelp | 1.1/5 stars | 1,296 |
Editor’s Note: The ratings provided were accurate at the time of writing.
I give American Home Shield a strong 8.0/10 rating for its claims process as it works well in most cases, but it is not perfect. On the positive side, you can submit claims at any time of day on its website. Even though AHS aims for fast claim processing, some customers have reported delays in scheduling repairs or receiving reimbursements in many online reviews. That said, some of these complaints are unjust, in my opinion — many seem to be due to customers misunderstanding their contracts. However, American Home Shield’s higher coverage limits mean your payout for approved claims will be more likely to cover your entire repair or replacement compared to competitors with lower limits. Plus, AHS covering preexisting conditions automatically means it approves more claims than competitors.
American Home Shield receives my exceptional 9.4/10 rating for its transparency and ease of use. AHS has a relatively user-friendly website with clear plan comparisons and pricing information. You can easily view sample contracts online, allowing you to review the terms and conditions before signing up for a plan. While the contracts are fairly detailed, I think American Home Shield does a good job of highlighting key exclusions and limitations, making it easier for townhouse owners to understand what is and isn’t covered. However, there is a bit of technical/legal jargon that makes some of it hard to understand.
Exclusions
AHS has the following exclusions to its home warranty coverage. These are typical among providers.
- Damage due to pets or pests
- Failure to properly clean or maintain home systems or appliances
- Foundation or structural damage
- Improper installation, improper wiring, or damage caused by construction activity
- Manufacturer’s defect
- Misuse or human error
- Malfunction or damage due to natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials such as asbestos, lead, or other toxic materials
Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield receives a subpar score of 5/10 from me for its lack of flexibility in service providers. Simply put, AHS doesn’t let you use your own contractors for repairs or replacements. When you need service, AHS will send a contractor from their network of pre-screened and approved service providers. In some cases, this means you get an inexperienced repair person, which can lead to you needing multiple visits to get your repair right. That said, contractors have to meet specific criteria to get into AHS’s network. However, after reading many reviews, it’s plain to see that a few untrustworthy and shotty contractors slip through the cracks. In this case, it’s quite frustrating when a contractor doesn’t show up or does a bad job when you have a neighbor who owns a credible home repair business that you know will do their best work.
Select Home Warranty
4.2
Our Rating
After researching and secret shopping with Select Home Warranty, I can confidently recommend it to townhouse owners for its affordable pricing and easy-to-understand plans. It has affordable monthly premiums starting at just $44 (with its standard $16 discounts). It is the most budget-friendly option in the industry without sacrificing essential coverage. The inclusion of free roof leak coverage in all plans is a notable advantage, as most competitors either exclude this protection or charge extra for it. Select’s Platinum Care plan provides the best value for townhouse owners.
However, Select Home Warranty’s lower coverage limits — $500 to $2,000, depending on the item — likely won’t be enough to replace high-end appliances or expensive systems. This would leave you shelling out cash to cover the overages. Additionally, Select has a smaller pool of contractors compared to larger companies like American Home Shield — in some areas this leads to longer wait times for repairs. While I appreciate Select’s commitment to affordability and straightforward plans, I would personally lean towards a provider like Liberty Home Guard for my own townhouse. Liberty offers higher coverage limits and a more extensive contractor network, which I believe is worth the slightly higher monthly cost for the added peace of mind and faster service.
I love Select Home Warranty’s affordable pricing and easy-to-understand plans. It has some of the lowest monthly premiums in the industry — starting at $44 per month. If you’re on a tighter budget or just frugal in general, you need to strongly consider Select. With its affordable pricing, at first, I thought its plans would cover less than other providers. However, the systems and appliances it covers are on par with other providers and even include some items they don’t. For example, Select Home Warranty includes free roof leak coverage with all of its plans. All other providers either exclude roof leaks altogether or offer it as an add-on for $10-$15 extra per month (like American Home Shield and Liberty Home Guard).
I don’t like Select Home Warranty’s lower coverage limits compared to some competitors. Sure, it’s more affordable per month, but its coverage limits range from $500 to $2,000 per item. These limits are lower than American Home Shield, which offers coverage limits of up to $4,000 for appliances and $5,000 for home systems. For townhouse owners with high-end appliances or expensive systems, Select’s lower coverage caps probably won’t be enough to cover full replacement costs if an appliance or system breaks down beyond repair. In that case, you’ll have to pay the overages with your cash. I also don’t like that Select has a smaller network of contractors for repairs compared to larger companies like American Home Shield. Its smaller network could leave you waiting longer for repairs.
I give Select Home Warranty a respectable 8.3/10 rating for its plans and coverage options. It has three simple plan options — Bronze Care, Gold Care, and Platinum Care. The Bronze and Gold Care plans cover either appliances or systems, respectively, while the Platinum Care plan combines comprehensive coverage for both. I recommend the Platinum Care plan to all townhouse owners because it has the best value. It covers both appliances and systems and gives you additional benefits like free roof leak coverage. This comprehensive coverage is in line with industry standards, but Select Home Warranty sets itself apart by offering these benefits at a more affordable price point compared to competitors. The Bronze and Gold Care plans may be less appealing for townhouse owners, as they only cover specific items and may leave gaps in protection.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off, two extra months free (website) |
| Gold Care | $44.42 | $75 | $150 off, two extra months free (website) |
| Platinum Care | $47.75 | $75 | $150 off, two extra months free (website) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom townhouse under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
SHW has the following coverage options available for townhouses. I like that you can pay extra to cover your deep freezer in your garage or basement, but I wish they had more options.
- Central vacuum: $3.33/month
- Lawn sprinkler system: $5.83/month
- Pool: $8.33/month
- Roof leak: free
- Septic system: $5.83/month
- Spa: $5.83/month
- Stand-alone Freezer: $3.33/month
- Sump pump: $3.33/month
- Well pump: $3.33/month
Select Home Warranty shines in the cost and affordability category, receiving a nearly perfect score from me. After getting a quote myself, I found that their monthly plan prices ranged from $44 to $48 (with its regular discounts). This pricing is cheaper than industry leaders like Liberty Home Guard and American Home Shield. The representative I spoke with on the phone was trained well, knew how to answer all my questions, and gave me a pricing breakdown right away.
I also reviewed a sample contract and I didn’t find any hidden fees or fine print that could unexpectedly increase the overall cost. Compared to other home warranty companies, Select Home Warranty offers some of the most competitive and affordable rates in the market without sacrificing coverage quality. This combination of low prices and comprehensive coverage makes Select Home Warranty an excellent value for townhouse owners looking to protect their appliances and systems without breaking the bank.
I give Select Home Warranty a solid 7.8/10 rating for its customer experience. I recently did some secret shopping on its website and over the phone. On the positive side, the website is user-friendly and it’s easy to compare plans, coverage options, and pricing. Plus, the CSRs were very helpful and answered all my questions about their plans for townhouse owners. I liked that they weren’t overly pushy with making a sale — I’ve had high-pressure sales tactics forced on me with other providers, so Select was a breath of fresh air. While I had a positive experience with Select Home Warranty, there are plenty of online reviewers who disagree and complain about poor communication and unskilled/untrained phone support. As such, I had to knock SHW’s score down a tier.
I give Select Home Warranty a decent 7.7/10 rating for its reputation. It holds a B rating with the Better Business Bureau (BBB), which is decent, but its customer review scores on the BBB aren’t good, coming in at just 1.34/5 stars. That said, it has a higher rating of 3.7/5 stars on Trustpilot. Several of the negative reviews cite issues with claim denials, low payouts, and poor contractor work (resulting in repeat visits). However, satisfied customers praise Select’s affordable pricing, easy enrollment process, and responsive service. Compared to industry leaders like American Home Shield and Liberty Home Guard that maintain 4+ star averages on most review platforms, Select’s reputation is less stellar, but its high volume of 4,800+ Trustpilot reviews (many of which are positive) suggests it does deliver satisfactory service to a significant number of customers.
| Rating Site | Rating | Number of Reviews |
| BBB | 1.34/5 stars, B | 2,089 |
| Trustpilot | 3.7/5 stars | 4,853 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Select Home Warranty’s claims process is fairly standard, earning it a 7.0/10 rating from me. Customers can submit claims online or by phone 24/7, which is on par with most industry leaders. However, Select’s response time averages around 48 hours for dispatching technicians on non-emergency claims. While this turnaround is typical, it lags behind the 12 to 24-hour response windows some competitors like Liberty Home Guard and American Home Shield aim for. Regarding claim approvals and payouts, Select’s contract caps essential systems coverage at $2,000 and appliances at $500, which may not fully cover replacement costs. The company doesn’t disclose its claim approval rates, but many online reviews mention frustrations with denied claims or lower-than-expected reimbursements. So, while Select offers an adequate claims process, there’s room for improvement in response speed and payout amounts compared to higher-rated providers.
Select Home Warranty excels in transparency and ease of use, earning an impressive 8.5/10 rating from me. Its website provides clear, detailed breakdowns of coverage options, pricing, and service terms. Customers can easily compare plans and get a personalized quote online in just a few minutes. Unlike some competitors that hide key details in the fine print, Select openly lists coverage caps, exclusions, and limitations for each plan tier upfront. It also offers sample contracts for every plan online, allowing potential customers to review terms thoroughly before signing up. This level of transparency sets Select apart from providers that require calling in for quotes or hide fees and coverage limits behind less accessible contract documents. While no home warranty company is perfect, Select’s openness and easy-to-navigate website make it simple for shoppers to understand their coverage and contract terms before purchasing.
Exclusions
Select Home Warranty has the below exclusions to its plans, which are standard in the industry.
- Common areas in condominiums or multifamily homes
- Damage from natural disasters and rust
- Defects or damages caused by the foundation and structure of the home
- Incorrect installation or malfunctions due to construction damage or improper wiring
- Issues with systems or appliances related to hazardous or toxic materials (like mold, asbestos, and gas leaks)
- Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
- Solar heating systems
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Select Home Warranty gets my perfect 10/10 rating for its flexibility in service providers. Like most home warranty companies, Select works with a network of licensed, pre-screened contractors to deliver repair services to customers. However, what sets Select apart is its rare policy of letting you choose your own licensed technician if you desire. This flexibility is invaluable for homeowners who have existing relationships with trusted local contractors or specialists for certain appliances or systems. While most providers restrict repairs to their in-network professionals, Select gives customers the freedom to control who performs work in their homes. Policyholders simply submit their chosen technician’s information for Select’s approval. As long as the contractor meets licensing and insurance requirements, customers can proceed with their preferred servicer. In an industry often criticized for lackluster repairs, this flexibility gives Select a clear edge in customer choice and satisfaction.
Elite Home Warranty
4.3
Our Rating
After thoroughly researching Elite Home Warranty and comparing it to other top providers, I can confidently say that this company excels in its industry-leading coverage caps and plan customization options. I love its $6,000 coverage cap for appliances and $10,000 for home systems as these limits are the best in the industry. Additionally, its 30 optional add-ons let you cover less common items like septic systems, well pumps, pools, and more. Its 30-day free trial is another feature that I like since you can test drive it before fully committing.
However, Elite Home Warranty does poorly in some other areas. The most glaring thing is its hefty $150 fee for emergency repairs on nights and weekends. Its service call fees ($75 to $125) also range higher than the industry average. Don’t get me wrong, I love Elite’s comprehensive coverage and customization options, but its pricing that you have to call in for and emergency service fees give me some pause. Personally, I would lean toward a provider like Liberty Home Guard, which offers a more transparent and affordable service experience while still providing excellent coverage. However, if you have high-end/premium appliances and systems, you can’t beat Elite’s large coverage limits.
I like Elite Home Warranty’s industry-leading coverage caps — $6,000 for appliances and an amazing $10,000 for home systems. These are the highest I’ve seen among providers. I also love Elite’s 30-day free trial period, which is a rare offering that gives me a full month to test out the service risk-free. Lastly, I’m a fan of Elite’s 26 optional add-ons, allowing for greater plan customization compared to competitors like American Home Shield, which typically only offer around 10 add-ons.
One glaring drawback that stands out to me is that Elite does not offer emergency service outside normal business hours. That is unless you pay an additional $150, which can lead many homeowners on a budget to wait over the weekend with a critical issue just to avoid this “fine.” I’m also not a fan of how Elite’s service call fees are on the higher end at $75 to $125 per visit, especially compared to companies like Liberty Home Guard, which charges a flat $75 fee. Lastly, I don’t appreciate how Elite’s add-ons can significantly increase the monthly premium, and it’s not always clear upfront how much each optional coverage item will cost, making it difficult to budget accordingly.
Elite Home Warranty offers exceptional plans and coverage options, earning it a perfect 10/10 rating. Like most companies, Elite provides an appliance plan, a systems plan, and a comprehensive plan covering both. Plus, Elite excels with its large coverage caps – $6,000 per appliance and an impressive $10,000 per system. Most providers (bar AHS) offer $1,500 to $3,000 on average. I recommend the Elite Complete plan for townhouses. It covers all major systems and appliances, includes roof leak coverage, and provides the highest coverage limits. While pricier than the lower-tier options, the Elite Complete plan’s extensive coverage offers unmatched peace of mind, making it an excellent investment.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Elite Appliance | $48.99 | $100 | $150 sign-up and 30-day trial (phone) |
| Elite Systems | $52.99 | $100 | $150 sign-up and 30-day trial (phone) |
| Elite Complete | $59.99 | $100 | $150 sign-up and 30-day trial (phone) |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom townhouse under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
EHW has an impressive lineup of optional add-ons. Out of these 30 options, I recommend looking into the lawn sprinkler system and HVAC annual maintenance options to further reduce the maintenance you have to do yourself.
- Attic exhaust fan: $69.99/year
- Central vacuum: $49.00/year
- Effluent pump: $99.99/year
- Ejector pump: $99.99/year
- Freestanding freezer: $59.99/year
- Freestanding ice maker: $59.99/year
- Freestanding spa equipment: $119.99/year
- Generator: $99.99/year
- Geothermal heating and cooling System: $299.99/year
- Grinder pump: $99.99/year
- Guest house: $299.99/year
- HVAC annual maintenance: $299.99/year
- Jetted/hot Tub: $99.99/year
- Lawn Sprinkler System: $99.99/year
- Lift pump: $99.99/year
- Limited roof leak repair: $99.99/year
- Pool & spa equipment: $199.99/year
- Pool equipment: $149.99/year
- Premium appliances: $249.99/year
- Premium benefits: $199.99/year
- Premium systems: $299.99/year
- Premium systems plus: $499.99/year
- Septic system: $129.99/year
- Service lines: $349.99/year
- Sump pump: $99.99/year
- Swamp cooler: $149.99/year
- Water filtration system: $99.99/year
- Water softener: $99.99/year
- Well pump: $99.99/year
- Wine cooler: $69.99/year
Elite Home Warranty’s pricing is average compared to other providers. When I got a quote for a townhouse in Indiana, the plan prices ranged from $49 to $60 per month – in line with the industry average. However, the sales rep was somewhat vague about the additional costs of emergency service and optional add-ons, which can significantly increase the monthly premium. The fine print of the sample contract revealed that Elite charges a $75 to $125 service call fee, which is higher than some competitors. While the quote process was straightforward, I had to ask specific questions to get clarity on the total cost. Overall, it’s affordable and competitive, but its $150 emergency service fee (during weekends and nights) brings its score down.
In my opinion, Elite Home Warranty has a lot to improve with its customer experience. For one, its website looks dated – like something from the early 2000s. It’s not too hard to navigate, but it’s kind of clunky, and you can’t get a quote online. So, you have to call their customer service team for a quote. The two representatives I spoke to were professional, but I felt like they didn’t have enough training on where to find the pricing of optional add-ons. The price of these add-ons is hard to find on the website, too. I had to ask clarifying questions (or restate them) several times. That said, they weren’t pushy on the phone, but they did offer me some nice discounts.
Elite Home Warranty has almost all positive reviews across trusted review platforms. First, it has an incredible A+ rating and a near-perfect 4.97/5 customer score on the Better Business Bureau (BBB). Plus, it holds stellar ratings on Trustpilot (4.8/5), Google (4.7/5), and Yelp (4.8/5). That said, it has significantly fewer reviews in total compared to some of its competitors. For example, Elite has hundreds of reviews, and several industry leaders have tens of thousands. Still, most customers praise Elite’s responsive customer service, knowledgeable technicians, and comprehensive coverage. Negative reviews are few and far between, mostly addressing isolated incidents related to claim denials or service delays. However, Elite has addressed all of these complaints – which means it strives to resolve issues and maintain customer satisfaction.
| Rating Site | Rating | Number of Reviews |
| BBB | 4.97/5 stars, A+ | 404 |
| Trustpilot | 4.8/5 stars | 85 |
| 4.7/5 stars | 169 | |
| Yelp | 4.8/5 stars | 4 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Elite Home Warranty’s claim process is straightforward, and you can submit claims 24/7 online or by phone. However, it has longer response times than most competitors. Also, it only provides emergency services during regular business hours on weekdays unless you pay an extra $150 for a weekend or after-hours service. This extra fee just takes advantage of townhouse owners in difficult situations, like a broken furnace in the middle of winter. Despite these drawbacks, Elite Home Warranty generally resolves claims within the industry standard of 24 to 48 hours for non-emergency situations.
I give Elite Home Warranty a commendable 9.2/10 for its transparency and ease of use. You can easily view all the information you need to know about its plans, including a sample contract to read the fine print. This allows you to thoroughly review and understand the details of their home warranty plans before you sign up. The only downside is that Elite doesn’t list its pricing online (besides the costs for add-ons, which are hard to find). Additionally, Elite Home Warranty’s website is user-friendly and easy to navigate (even though it could be designed better), making it simple for customers to find the information they need and request a quote online.
Exclusions
Elite has the following exclusions, which are typical with home warranties:
- A lack of maintenance
- Acts of God
- Commercial-grade appliances
- Cosmetic damage
- Natural disaster-related damages
- Units in a rental property
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Elite Home Warranty receives a perfect 10/10 from me for letting you use your own contractors. This gives you the freedom to work with professionals you know and trust.
AFC Home Warranty
4.3
Our Rating
AFC Home Warranty impresses me with its unique additional benefits that go beyond standard coverage. These exclusive perks include discounted home security systems, identity protection services, credit monitoring, and even savings on prescription medications. With AFC, you get extra peace of mind. Additionally, AFC has tiered plan options that cover essential home systems, appliances, or both, ensuring that your most important items are protected.
However, one drawback of AFC Home Warranty is its low coverage limits compared to competitors like American Home Shield and Elite Home Warranty. For example, AFC’s coverage limit for air conditioning systems is $1,500, while American Home Shield offers coverage up to $3,000 for the same item. With these lower limits, you might have to pay out-of-pocket overages on some repairs and replacements. Despite this limitation, I would personally choose AFC’s Diamond Plan for my own townhouse, as the comprehensive coverage and unique additional benefits outweigh the lower coverage caps. The company’s competitive pricing, flexibility in service call fee options, and commitment to customer satisfaction further solidify my confidence in recommending AFC Home Warranty to townhouse owners seeking a well-rounded protection plan.
What I like most about AFC Home Warranty is its impressive array of additional benefits that go beyond standard coverage. AFC has perks that no other provider has, such as discounted home security systems, identity protection services, credit monitoring, and even savings on prescription medications. These value-added services provide a level of comprehensive protection that few other home warranty companies can match. Additionally, AFC’s plans cover essentials like air conditioning, heating, electrical systems, plumbing, and major appliances, making it a well-rounded choice for townhouse owners seeking peace of mind.
One drawback of AFC Home Warranty is its relatively low coverage limits compared to some competitors. AFC has variable coverage caps per item, which are often lower than those of other providers. For example, AFC’s coverage limit for AC units is $1,500 which is far lower than American Home Shield’s $5,000 limit. This means that townhouse owners with high-end or expensive systems and appliances may have to pay more out of pocket for repairs or replacements if they exceed AFC’s coverage limits.
AFC Home Warranty has an impressive selection of plans, earning it my strong 8.1/10 rating for its coverage options. The company provides four distinct plans: the Silver Plan, which covers essential appliances; the Gold Plan, focusing on major home systems; the Platinum Plan, combining both appliances and systems coverage; and the comprehensive Diamond Plan, which includes additional benefits such as roof leak repair and coverage for exterior water and sewer lines.
What sets AFC apart is the Diamond Plan’s inclusion of rare coverage options like electronics protection, which safeguards items like smartphones, tablets, and home office equipment. For townhouse owners seeking the most comprehensive coverage, I highly recommend the Diamond Plan. While it comes at a higher price point than the other plans, the added peace of mind and unique coverage options make it well worth the investment. The Silver and Gold Plans, while offering solid coverage for their respective categories, may leave gaps in protection for townhouse owners who need both systems and appliances covered.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Silver Plan | $34.33 | $125 | Up to $250 off, free roof leak protection |
| Gold Plan | $48.50 | $125 | Up to $250 off, free roof leak protection |
| Platinum Plan | $53.17 | $125 | Up to $250 off, free roof leak protection |
| Diamond Plan | $87.75 | $125 | Up to $250 off, free roof leak protection |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom townhouse under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.
Available Add-Ons
AFC has the following optional add-ons for townhouses. If your townhouse has a double oven, as many newer ones do, you can choose affordable coverage to protect it.
- Built-in microwave: $50/year
- Central vacuum: $25/year
- Double oven: $25/year
- Electronics coverage: $24.99/month
- Hot water dispenser: $25/year
- Ice maker: $25/year
- In-ground pool: $100/year
- In-ground pool and spa: $150/year
- Roof leak (free, worth $25/year)
- Septic system: $50/year
- Stand-alone freezer: $25/year
- Sump pump: $35/year
- Well pump: $50/year
AFC Home Warranty offers competitive pricing, earning a respectable 9.0/10 for its pricing. When I got a quote for a townhouse, I found that AFC’s monthly pricing ranges from $38 to $62 — slightly lower than the industry average. One nice thing is that AFC lets you choose from three different service call fee options: $75, $100, or $125. Picking a higher service call fee gets you a lower monthly premium. This flexibility lets townhouse owners customize their costs based on their budget and repair needs. When I spoke with an AFC sales representative, they were transparent about pricing and even offered a discount of $10 per month for paying annually instead of monthly. AFC’s pricing for its add-ons is competitive, but be careful of adding to many as it drives up your monthly costs. Compared to other providers, AFC offers good value for the price, especially considering the unique benefits and flexible service call fee options.
I give AFC Home Warranty a strong 9.1/10 rating for its customer experience. When I got quotes over the phone, I found its sales reps to be helpful and knowledgeable. Plus, they weren’t overly pushy with trying to land a sale like some providers. That said, I read several online reviews that show AFC sometimes has slow response times to customer questions — some wait days for return calls or never hear back at all. Compared to other home warranty companies, AFC’s customer experience is still on par with top-rated providers like Liberty Home Guard, and far better than lower-ranked companies known for poor communication and unresponsive support teams.
AFC Home Warranty has a mixed reputation, earning a respectable 8/10 rating despite some inconsistencies across review platforms. It has a B rating with the Better Business Bureau and a 3.7/5 star rating on Google based on over 1,600 reviews. This tells me customers are generally happy with it. However, its ratings on Trustpilot and Yelp are lower, with some customers expressing concerns about claim denials and service quality. Compared to industry leaders like Liberty Home Guard, AFC has room for improvement in terms of consistently meeting customer expectations and addressing negative feedback.
| Rating Site | Rating | Number of Reviews |
| BBB | 1.95/5 stars / B | 131 |
| Trustpilot | 3/5 stars | 24 |
| 3.7/5 stars | 1,628 | |
| Yelp | 1.9/5 stars | 339 |
Editor’s Note: The ratings provided were accurate at the time of writing.
AFC Home Warranty’s claims process is not quite as efficient as it could be, earning it a subpar 6.0/10 rating from me. The company offers 24/7 claim submission via phone or online, ensuring that townhouse owners can request service whenever an issue arises. AFC stands out with its commitment to a 48-hour service guarantee, promising to address claims within this timeframe. Like all home warranty companies, AFC doesn’t disclose its claim acceptance rates. However, countless reviews show that it is likely much higher than many competitors. That said, AFC’s coverage caps are lower than providers like American Home Shield, so you may have to pay some money out of pocket for expensive breakdowns and repairs.
AFC Home Warranty has tremendous transparency and ease of use, though falling just short of perfect. It gives clean details on its plans up-front, including breakdowns of what each plan does and doesn’t cover. AFC also offers sample contracts on its website, allowing potential customers to thoroughly review the terms and conditions before committing. While the contracts contain some fine print, AFC does an excellent job of highlighting key exclusions and limitations, making it easier for townhouse owners to understand what they’re signing up for.
Exclusions
AFC has the following standard exclusions in its home warranty plans.
- Crane rentals needed to move appliances or systems
- Geothermal heating systems
- Haul-away services
- Light fixtures
- Malfunction or damage caused by acts of God
- Code violations
- Appliances and systems not properly maintained
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
AFC Home Warranty lets you choose your own service providers, earning it a perfect 10/10 score. The company allows policyholders to choose their own licensed and insured contractors for repairs or replacements, giving townhouse owners the freedom to work with professionals they trust.
Calculate the Cost of Townhouses Home Warranty
Use the cost calculator tool below to estimate the full annual cost of a new home warranty 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 |
This site receives compensation from the companies featured in this listing, which may impact where and how products appear. This listing doesn’t feature all companies, products, or offers that may be available.
Frequently Asked Questions
You don’t need a home warranty for your townhouse. However, a good home warranty plan will help cover the unexpected repair costs of your major home systems and appliances — this smooths out your expenses and provides financial security.
Home warranties for townhouses cost around $500–$600 per year, plus any overages and service call fees for repair visits. Read our home warranty cost guide for a more detailed breakdown.
You can save money on home warranty plans by shopping around. I recommend getting quotes from at least three providers and comparing what is covered, what they exclude, and the price. You should be able to find plenty of discounts online and over the phone.
Yes, home warranties are worth it for townhouses. Suppose your central AC unit fails beyond repair from normal wear and tear — without a home warranty, you’d be stuck with a bill of well over $1,000 – $2,000 to replace. On the other hand, you’d just have to pay a small service call fee to replace your entire air conditioner with a home warranty plan (assuming it has large enough coverage caps).
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