Georgia residents see extreme temperatures and above-average humidity throughout a good portion of the year, which can put added pressure on home systems and appliances. Plus, the average home age in the state is more than 30 years old, so many residents regularly face costly home repairs. Choosing the best home warranty is a great way to insulate yourself from expensive repairs and replacements.
We’ll discuss Georgia’s top five home warranty options based on monthly cost, coverages, company reliability, and more. We’ll also include average prices for warranties based on data collected by our secret shoppers in Atlanta to help you decide which you can afford and which offers the best value.
Quick Tips When Shopping for Georgia Home Warranties
While most home warranties are somewhat similar in what they cover and offer, it’s important that you get one that meets your specific needs in Georgia. We recommend prioritizing the factors below when choosing a provider.
- Included coverage: First, we strongly recommend you choose an option that includes coverage for home systems and home appliances. Georgia homeowners see some extreme temperatures and high humidity, both of which put pressure on HVAC systems and cooling appliances like refrigerators. Having coverage for both will provide coverage for issues arising from the high humidity and temperatures.
- Response time: Some home warranty companies can get a technician out to your property within 24 hours, while others can take 48 hours or more on average. In an area like Georgia, where the heat and humidity can be borderline dangerous, we recommend you pick a provider with a short wait time. This is especially important for things like your cooling system, which is expected to go down more often than in other states, given the high demand.
- Monthly price and service fee: It’s always important to consider the monthly cost of the coverage, but we suggest you look at the service fee as well. A home warranty is similar to homeowner’s insurance but for home components rather than your entire home, and the service fee is similar to your home insurance deductible, but it’s paid per service call. Since Georgians experience weather that is likely to lead to more service calls than in other states, the cost of each call is something you’ll want to take into consideration as well.
- Reputation: Finally, we recommend you consider the reputation of the company you’re choosing. Unfortunately, there are quite a few home warranty providers in Georgia that don’t provide great customer service and have a history of low payout rates. Choosing a reliable and reputable company might be more expensive, but the added cost is worth it for the peace of mind, in our opinion.
Compare the Best Georgia Home Warranty Companies
The table below provides a quick side-by-side look at our top five home warranty picks for Georgians. We constantly update these ratings to provide the most accurate information possible. Continue reading in-depth reviews of several top providers.
49 states, excluding WA
47 states, excluding NV, WA, and WI
47 states, excluding NV, WA, and WI
49 states, excluding HI
48 states, excluding AK and HI
42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY
34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI
*Quote and cost data gathered January 2023. Cost data are updated and monitored continuously. Liberty Home Guard service fees vary based on your location and home and are not determined by higher or lower monthly fees.
What Are the Best Home Warranty Companies in Georgia?
We’ve assessed all of Georgia’s major home warranty providers and determined that the options below are the best in the state. These selections are based on typical coverages needed by Georgians, pricing, company reputation, and more.
Liberty Home Guard
Liberty Home Guard (LHG) is our pick for homeowners in Georgia that are looking for the ability to customize their coverage and get protection for items not usually included in a home warranty. It has three plans that can be altered with up to 42 add-on options. The company also has reasonable pricing and a good reputation for customer service and payouts.
Liberty Home Guard has a standard number of plans to choose from, but it offers 42 add-on products that let you get exactly the coverage you’re looking for. Many of the options aren’t offered by any competitors, so the company provides some of the most unique protection plans in the state.
Even if you don’t purchase any add-ons, the coverage from LHG is more robust than you’ll get from other companies. It comes with fewer exclusions in many cases and covers more items. For example, the baseline appliance coverage plan includes every major appliance and some minor ones, while the equivalent low-tier plan from Choice Home Warranty excludes refrigerators, garage door openers, garbage disposals, and more.
The prices from LHG are reasonable, but you should keep in mind that add-on products will, of course, bump up your monthly costs. Still, the customization available does lend itself to savings in some cases, given that you can get coverage only for what you need.
LHG has an appliance-only plan, a systems-only plan, and a comprehensive plan that includes coverage for everything. We’ll include information about each of these plans and what they cover below.
- Appliance Guard: As the name implies, the Appliance Guard plan covers appliances only. You get protection for your refrigerator, stove, range, dishwasher, garbage disposal, built-in microwave, washer, dryer, ceiling fans, exhaust fans, and garage door openers. The total is $49.99 per month for appliance coverage.
- Systems Guard: The Systems Guard plan includes coverage for home systems only. It covers your HVAC ductwork and water heaters in addition to your plumbing, electrical, heating, and cooling systems. This plan averages around $54.99 per month in Georgia.
- Total Home Guard: The Total Home Guard plan covers all appliances and systems included in the previous two plans. It’s the most expensive option at $59.99 per month, but at just $5 to $10 more than the other plans, it’s the company’s most valuable coverage option.
Liberty Home Guard rises above the competition when it comes to optional coverage. Below is an all-inclusive list of add-ons you can get with LHG to customize your coverage.
- Carpet cleaning
- Central vacuum system
- Electronics package
- Exterior power washing
- Stand-alone freezer
- Freestanding ice maker
- Reverse osmosis water filter
- Hot water dispenser
- In-fridge ice maker
- Water dispenser water line
- Water softener
- Second refrigerator
- Outdoor generator
- Small guest units
- Gutter cleaning
- In-ground sprinkler system
- Lighting fixtures
- Pool and spa (a great option in Georgia, given the prevalence of pools)
- Additional spa
- Saltwater pool
- Trash compactor
- Pest control
- Plumbing fixtures
- Pro-series refrigerator coverage
- Pro-series stand-alone freezer coverage
- Pro-series oven or cooktop coverage
- Pro-series dishwasher coverage
- Pro-series microwave coverage
- Pro-series clothes washer coverage
- Pro-series clothes dryer coverage
- Roof leak (limited)
- Swamp cooler
- TV mounting (up to 65 inches)
- TV mounting (for TVs between 65 and 85 inches)
- Septic system pumping
- Sump pump
- Ejector pump
- Grinder pumpWell pump
- Window washing
- Wine cooler
Liberty Home Guard has a few of the common exclusions, including problems that could have been prevented with regular maintenance, pre-existing conditions, and improperly installed equipment. It also doesn’t cover cosmetic repairs, routine maintenance, smart technology, or commercial appliances or equipment.
We love the simplicity of the coverage limits offered by LHG; all items in your base plan get up to $2,000 of coverage each year, while add-on products and home services get up to $500 annually.
Select Home Warranty
In our opinion, Select Home Warranty provides the best value for the money in Georgia. Its home warranty coverage plans come at prices that are well below the industry average, the service calls are affordable, and the coverage you get is extensive enough to keep your home amply protected.
Select Home Warranty offers plans that average around $60, with the most comprehensive coverage coming in at around $65. This is well below what you’d expect from most other companies, especially for a plan that protects major systems and appliances. Additionally, the service fee can be as low as $75, which is also below average.
While the plans are affordable, they’re also comprehensive and provide great protection. The coverage caps aren’t as high as you’d find from some other providers, but they’re still quite good, reaching up to $3,000. This is great for covering the basics in Georgia, like protection for your AC system — which experiences the greatest normal wear and tear — as well as appliances like refrigerators that are negatively affected by heat and humidity.
The company offers a 90-day service guarantee for added peace of mind, and its payout rates are quite good, especially for the price you pay for coverage. There have been some reported issues with long wait times to request service, but the response time thereafter is relatively quick.
Select Home Warranty has three options for coverage: the Bronze Care plan, the Gold Care plan, and the Platinum Care plan. The Bronze plan is for appliances only, the Gold plan is for systems, and the Platinum plan covers appliances and home systems. The included coverage for each plan is detailed below.
- Bronze Care plan: Along with the Gold plan, this option is one the more affordable from SHW, averaging around $60 per month. It covers all major appliances, including refrigerators, cooktops, ovens, dishwashers, washing machines, dryers, garbage disposals, and built-in microwaves.
- Gold Care plan: The Gold Care plan covers home systems rather than appliances, and it also costs around $60 per month. Included in this option are the AC and cooling systems, heating systems, electrical systems, HVAC ductwork, plumbing systems, and water heaters.
- Platinum Care plan: The Platinum option is just $64 a month and provides the best value from SHW. It includes everything in the Bronze and Gold Care plans plus ceiling fans and garage door openers.
Select Home Warranty has more add-on options for customization than many competitors, so it might be a better choice if you’re looking for specific protection. The add-on options available from SHW are listed below.
- Central vacuum systems
- In-ground sprinkler systems
- Stand-alone freezers
- Septic systems
- Sump pumps
- Well pumps
Select Home Warranty has coverage caps of up to $500 for appliances and $400 for most other repairs. The only exception is the coverage for HVAC systems, which tops out at $3,000. Since Georgia sees high temperatures and above-average humidity levels, the high HVAC coverage cap is actually a great thing to prioritize in Georgia.
There are some exclusions to be aware of before going with SHW. The company doesn’t cover issues stemming from a lack of maintenance or improper installation, pre-existing problems, and more. The additional coverages also have individual limitations, so we recommend reading through the SHW’s sample contract for information.
American Home Shield
American Home Shield is our top pick for Georgia residents looking for robust coverage and ultimate peace of mind. AHS offers unlimited coverage caps on several home systems and coverage limits that sit well above the industry average on the other systems and all home appliances. The company is also trustworthy and has a good payout rate, making it an outstanding option all around.
Most home warranty companies in Georgia include coverage limits that average around $1,500. Even if you just consider the high rate of air conditioner issues due to the intense summers in the area, this often won’t be enough to stay insulated from all repair and replacement costs. AHS offers $5,000 in coverage for your HVAC system, which is much more reasonable.
Similarly, it has above-average coverage limits on most other home systems and appliances as well. That includes up to $4,000 for all appliances, including your refrigerator, which works overtime to combat the high humidity and heat. The coverage is unlimited for your plumbing system and electrical system, so overall, you get more protection from AHS than you would from most competitors.
AHS is more expensive on a monthly basis than most other companies, but we feel that the peace of mind you get knowing you have much higher and sometimes unlimited coverage limits is worth the added cost.
American Home Shield has three plans available. The ShieldSilver plan covers home systems, the ShieldGold plan covers systems and appliances, and the ShieldPlatinum plan covers systems and appliances and adds coverage for things like roof leaks and code violations, plus it comes with higher coverage limits for appliances. We’ll explain what you get with each option below.
- ShieldSilver: With ShieldSilver, you get coverage for your plumbing, electrical, heating, and cooling systems. That includes protection for your HVAC ductwork, water heater, electrical wiring, electric breaker, plumbing lines and fixtures, exhaust fans, ceiling fans, doorbells, and garage door openers. It costs $79.99 per month with a $125 service fee or $89.99 per month with a $100 service fee.
- ShieldGold: The ShieldGold plan includes protection for everything in the previous plan, but you also get coverage for your major appliances. Those include your refrigerator, stove, cooktop, microwave, garbage disposal, dishwasher, clothes washer, and dryer. You’ll pay $99.99 per month with a $125 service fee or $109.99 per month with a $100 service fee.
- ShieldPlatinum: The ShieldPlatinum plan costs $129.99 or $139.99 per month, based on your service fee, but it offers the most coverage. In addition to the appliances and systems covered in the other two plans, you also get $250 of coverage for code violations, permits, and modifications, a free annual AC tune-up, which is a great way to minimize issues and outages given the high demand for AC in Georgia, and higher coverage caps for appliances. You also get $1,000 of coverage for roof leaks, which is a nice touch in Georgia, where annual rainfall is well above average.
AHS only has four add-on options, so it’s not ideal if you’re looking for a highly customizable home warranty plan. The options include the following:
- Built-in spa equipment
- Pool equipment
- Septic pump
- Well pump
The plans all come with discounts on air filters, too. Since replacing HVAC air filters can help cut down on strain on your system, this is a nice perk to have in Georgia, where AC use is above average.
American Home Shield doesn’t exclude much in its coverage, which is another reason why we believe the high monthly cost is justifiable. Unlike most competitors, it covers issues arising from a lack of proper maintenance, problems due to corrosion and rust, and old appliance or system age. There are additional limitations for each covered item, so be sure to read your contract carefully to understand what’s included and what isn’t.
AHS coverage comes with no limit for payouts on your plumbing and electrical systems. Your HVAC system gets $5,000 of coverage, and each appliance gets either $2,000 or $4,000 worth of coverage, depending on whether you choose the ShieldGold or ShieldPlatinum plan. All of these limits are above average, making for robust protection all around.
Choice Home Warranty
In our opinion, Choice Home Warranty (CHW) is the best home warranty option in Georgia if you’re looking for high payout rates. The company accepts more of its claims than most competitors, has over a decade of experience, and offers high coverage caps to provide ultimate peace of mind. The cost is also lower than you’ll find from many competitors, and you don’t have to sacrifice by choosing a less trustworthy company to get affordable coverage.
Choice Home Warranty is our top pick for claim acceptance in Georgia because of its reputation and high coverage caps. First off, the provider is well-known in the industry for a high rate of payouts, meaning more of your service calls are likely to be covered, saving you more money over time.
Second, CHW has coverage caps that sit at $3,000 for all appliances and systems covered in the base home warranty plans, including the air conditioners and refrigerators that are likely to see the most wear and tear in Georgia. Compared to the $500 to $1,000 of coverage you might get from some competitors, this will insulate you from more of the repair and replacement costs you’re likely to face in Georgia’s harsh climate.
CHW offers one of the most affordable all-inclusive home protection plans, which provides total coverage for appliances and home systems for just $55 per month. The company provides excellent peace of mind and is well worth the investment.
Choice Home Warranty offers just two plan options to keep things simple: the Basic Plan and the Total Plan. Both include coverage for appliances and home systems, but the Total Plan, as the name implies, offers more comprehensive coverage. We’ll include a list of what each plan covers below.
- Basic Plan: The Basic Plan covers your heating, plumbing, and electrical systems, which includes protection for whirlpool bathtubs, water heaters, and plumbing stoppages. It also protects some appliances, including ovens, cooktops, built-in microwaves, dishwashers, and garbage disposals. Garage door openers, ceiling fans, exhaust fans, and HVAC ductwork are also included in this plan. The total for this option is just $46 monthly.
- Total Plan: The Total Plan covers everything in the Basic Plan but adds coverage for your refrigerator and your air conditioning system. Given that these are the two things in Georgia that take the most wear and tear due to the weather, we strongly recommend this option if you’re going to go with CHW. You also get coverage for washing machines and dryers, all for $55 per month.
Choice Home Warranty has a nice selection of add-on products to customize the plans above, some of which will appeal to Georgians in particular. We’ll include a breakdown of the add-on options available from Choice Home Warranty below.
- Central vacuum
- In-ground sprinkler system
- Additional refrigerator
- Stand-alone freezer
- Pools and spas (a great option in Georgia, where pools are quite prevalent)
- Additional spa
- Roof leak coverage (limited)
- Septic system
- Septic tank (pumping only)
- Sump pump
- Well pump
While most companies have a long list of exclusions, CHW only excludes pre-existing issues that should have been detected or were known before signing up. The fact that it doesn’t exclude older items, damage from a lack of maintenance, and more is one of the reasons why CHW is such a trusted name in the industry.
Many companies in the industry have different coverage limits for each item they cover, but CHW keeps things simple by offering fixed coverage caps. It offers $3,000 worth of protection for all items in the base plans — which is above average — and $500 for all add-ons.
AFC Home Club
We’ve chosen America’s First Choice Home Club as the option with the best additional benefits in Georgia, primarily because of its service guarantee. Unlike most other companies, which either offer no service guarantee or provide one for up to 90 days, AFC Home Club guarantees all service for the life of your contract — one to three years. This is outstanding and really shows why AFC is one of the most trusted and reputable companies in the area.
If you’re looking for total peace of mind for failing appliances and home systems — which many Georgians do, considering the average home age is over 30 years old — then we recommend AFC Home Club. It guarantees that the services provided by the technicians it hires won’t fail or lead to additional issues — and, by extension, service call fees paid by you — for the life of your contract. This is highly unusual in Georgia and the industry as a whole.
This is beneficial for Georgians, in particular, who most often see recurring problems with AC systems, the repairs for which can be expensive.
AFC Home Club has average pricing for its coverage plans, but the quality remains outstanding. You’ll also likely save some money in the long run by not having to repay service fees for recurring problems.
The coverage caps could be a bit higher and are a little difficult to parse out and understand. However, the coverage is overall quite good, especially since you get a one- to three-year guarantee that you won’t need repeat service for issues in your home. Overall, this is a very trustworthy company that many customers are pleased with in Georgia.
AFC Home Club has four plan options to choose from: the Systems Plan, which covers home systems only, the Silver and Gold Plans, which cover most major appliances and systems, and the Platinum Plan, which covers major and minor appliances, as well as all home systems. We’ll include a look at the coverages offered in each plan below.
- Silver Plan: The Silver Plan is the cheapest option available from AFC at $33 monthly. It only covers the following appliances: refrigerator, cooktop, stove, garbage disposal, garage door opener, washer, and dryer.
- Systems Plan: The Systems Plan includes coverage for four systems in your home: heating, cooling, plumbing, and electrical. It also covers water heaters and HVAC ducts. This plan comes in at just $40 per month.
- Gold Plan: The Gold Plan includes protection for everything in the previous plans together in one option. This plan costs $47 per month.
- Platinum Plan: The Platinum Plan is the most comprehensive option from AFC Home Club. It covers everything in the previous plans, plus plumbing stoppages, microwaves (built-ins only), ice makers, and ceiling fans. This option costs $52 per month, making it the most expensive from AFC.
America’s First Choice Home Club has ten add-on coverages you can choose from, provided you’re willing to pay a little more each month. The add-ons available are as follows:
- Central vacuum
- Double oven
- Stand-alone freezer
- Hot water dispenser
- In-ground pool and spa
- Limited roof leak coverage
- Septic system
- Sump pump
- Well pump
AFC Home Club does have some exclusions you should be aware of before purchasing a home warranty from the company. It doesn’t cover issues stemming from a lack of maintenance, improper installation, poor repairs in the past, or pre-existing issues. Cosmetic repairs are also not covered. You can read through the company’s sample service contract to get a good idea of any other exclusions that might have an impact on your decision.
AFC Home Club has a coverage limit of $150 for issues that come up within a month of signing the contract. After that point, the caps range from $250 up to $3,000, with an average of $2,000 for products covered in base plans and $500 per add-on.
How Much Do the Top-Rated Georgia Home Warranties Cost?
The cost of your home warranty in Georgia depends on many factors, including the company you pick, the coverage plan that’s right for your home, and add-on options you feel you need. On average, you can plan to pay around $75 per month for your home warranty, but your price could fall anywhere between $30 and $100 a month. That comes out to between $360 and $1,200 annually.
Service fees are an important consideration as well, as they contribute to your cost over time. The average service fee is around $85, but some companies have fees as low as $65 and as high as $125.
The factors below are some of the most critical to consider, as they are the most significant when it comes to home warranty costs in Georgia.
- Included coverages and exclusions: In most cases, the most significant cost factor for your home warranty will be what you want included in the coverage. The more extensive options that include all your appliances and home systems will naturally cost more. To keep costs down, you may want to prioritize the things that are most likely to give you issues. In Georgia, these include your cooling system and your refrigerator, which work the hardest to counteract the high temperatures and humidity levels in the area.
- The age of your home: The older your home, the more likely you are to experience problems with your systems and appliances. Homes in Georgia average around 31 years old, so most will start seeing issues pop up more often than in newer homes. The older your home, the more coverage you’ll likely want to stay protected, which usually means higher monthly costs.
- The extent of your coverage: The level of coverage will also affect your costs. Many companies keep monthly prices down by excluding more expensive repairs, like AC system replacement. However, lower monthly costs usually mean less protection.
The graphic below includes a quick look at the costs from our top home warranty companies in Georgia.
What Do the Top-Rated Georgia Home Warranties Cover?
Every home warranty provider in Georgia will offer different coverage options, so the protection you get will depend on the company and plan you pick.
However, most include some combination of appliances and home systems. In Georgia, the heat and humidity put the most strain on your central air conditioning system, refrigerator, and stand-alone freezers. Swimming pools are more common in Georgia than in most other states, so this is an important add-on option for many residents. Finally, roof leak protection is a great option, as the state sees above-average rainfall that increases the risk of leaking.
The table below provides a side-by-side look at the average coverage limits for different items provided by the five home warranty companies mentioned above.
|Home Warranty Provider||Coverage for Major Appliances||Coverage for Major Home Systems||Coverage for Roof Leaks||Coverage for Older Systems and Appliances||Coverage for Issues Related to Corrosion and Rust|
|Liberty Home Guard||$2,000||$2,000||$500||$2,000||$0|
|Select Home Warranty||$500||$500 – $3,000||$500||$500||$0|
|American Home Shield||$2,000 – $4,000||$5,000 – Unlimited||$1,000 (ShieldPlatinum or add-on)||$2,000 – $4,000||$2,000 – Unlimited|
|Choice Home Warranty||$3,000||$3,000||$500||$3,000||$3,000|
|America’s First Choice Home Club||$250 – $2,000||$250 – $2,000||$0||$250 – $2,000||$0|
What Are the Biggest Complaints About Georgia Home Warranty Companies?
The most common complaint we see about home warranty companies in Georgia is that the exclusions in the contract make the coverage much less valuable, as repairs and replacements still commonly become the homeowner’s responsibility. It’s crucial to read your contract carefully before signing it to avoid this problem.
You can also opt for a company with fewer exclusions, like Liberty Home Guard. American Home Shield (AHS) also has fewer exclusions than most other companies, making it a great option for avoiding one of homeowners’ biggest issues with home warranty providers.
Another frequent complaint is the wait time between requesting service and the technician arriving. If you’re waiting on emergency service, like if your AC goes down in the hot Georgia summer, then having a company that responds to service calls in 24 hours — like Choice Home Warranty, in most cases — is valuable.
Finally, we see a lot of complaints about companies choosing service technicians that don’t provide great service or leave you with recurring issues. To avoid this, you may want to pick a service provider that offers a long workmanship guarantee, like AFC Home Club, which offers a guarantee for the length of your contract.
Does Georgia Have Home Warranty Regulations?
There are no major regulations for home warranties in Georgia. The only regulation in place is for warranties provided by contractors. A written warranty must be provided for any home repair or renovation that totals over $2,500. However, this doesn’t apply to home warranty companies — only to contractor warranties.
So, What Is the Best Home Warranty for Your Georgia Home?
We believe Liberty Home Guard is the best option for a home warranty in Georgia. The company offers extensive coverage for home systems and appliances that Georgians need, given the strain the weather puts on homes in the area. That includes things like AC systems, refrigerators, and roof leak coverage. LHG has many years of experience and is considered a trustworthy company with high coverage caps and payout rates. You can get a free quote for service from Liberty Home Guard over on the company’s website.
We recommend looking into all five providers we’ve mentioned above, though. They all bring something unique to the table that Georgians can benefit from, like cheaper home warranty coverage, and they’re all top-tier home warranty companies in your area.
Below, we’ll answer some of the most common questions about home warranties from homeowners in your area.
FAQ: Best Home Warranties in Georgia
How much is a home warranty in Georgia?
The average home warranty cost in Georgia is around $75 per month, but plans range from $45 to about $100 monthly. Service fees typically range from $75 to $125, averaging around $85.
Is a home warranty a waste of money in Georgia?
Home warranties are a great option and are very often worth the money. Suppose you assume you have just one home issue per year, which is a conservative estimate given the age of homes in Georgia. In that case, you’re looking at average replacement costs of around $7,500 for a central AC system and $2,000 to replace a fridge. These are two of the most common issues in your area due to the added strain from the heat and humidity. The costs pale compared to the $540 to $1,200 you’d pay annually for a home warranty. While your coverage likely won’t pay for the entire repair or replacement, it’s likely to offset enough to make the warranty worthwhile.
How do I know if I need a home warranty in Georgia?
Home warranties aren’t required in Georgia, but they’re a good idea if your home is 30 or more years old, as this is well past when some systems start to break down and show their age. Home warranties are also a great option for homebuyers in Georgia, as they can help protect you from unknown problems when purchasing a new home.
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 score highest in this category if it offers multiple robust plans that cover all basic systems and equipment, as well as optional add-ons. We examine each company's exclusions and limitations to determine the coverage amounts for each item. Companies with coverage limits of $3,000 or more perform best in this category, and bonus points go to companies that cover unusual items such as electronics and leaky roofs.
- 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.