Home warranties benefit homeowners across the country, but they can save massive amounts of money in Nevada, specifically. Residents experience extremely high temperatures in the summer months, which puts intense stress on AC systems. Likewise, the winter months can bring temperatures below freezing for long periods, which can cause heating systems to overwork and eventually break down. We keep these local factors in mind when choosing the best home warranty companies in Nevada and consider their coverage options.
A comprehensive home warranty can help Nevada homeowners protect their major systems and appliances. These plans cover repair or replacement costs when items break down due to normal wear and tear, saving you from major out-of-pocket expenses.To help you pick the right provider for your home, we analyzed the best home warranty companies, looking into each provider’s prices, benefits, plans and coverage. We also used an address in Reno, Nevada to secret shop for sample quotes from each provider. Read on to determine which home warranty in Nevada is right for you.
Our Picks For the Best Nevada Home Warranty Companies
Compare the Best Nevada Home Warranties
The table below outlines data for the best home warranty companies in Nevada and beyond. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading for 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.
American Home Shield
With over 50 years of experience in the home warranty industry, American Home Shield (AHS) offers Nevada homeowners reliable coverage and customer support. The provider is our top pick for home warranty coverage and has three plan choices to help you cover essential items within your home.
American Home Shield gives homeowners in Nevada and across the country the choice of three coverage options: ShieldSilver, ShieldGold and ShieldPlatinum. If you need to protect major home systems, the ShieldSilver plan covers 14 essential items like your air conditioner, heating unit and ductwork. To cover both systems and appliances, AHS offers its ShieldGold plan, which protects 23 items like your oven, dishwasher and garbage disposal.
For customers looking for the most extensive coverage option, American Home Shield offers its ShieldPlatinum plan, which covers all items in the ShieldGold plan plus roof leak coverage. The provider also helps you round out your plan with its array of add-on options, including pool or spa, septic system plumbing and electronics coverage, which are available at an additional cost.
|Built-in exhaust, vent and attic fans||✓||✓||✓|
|Main breaker and fuse panel box||✓||✓||✓|
|Doorbells and chimes||✓||✓||✓|
|Interior electrical lines||✓||✓||✓|
|Garage door openers||✓||✓||✓|
|Interior plumbing lines||✓||✓||✓|
|Faucets and valves||✓||✓||✓|
|Whirlpool tub motor and components||✓||✓||✓|
|Built-in microwave oven||✓||✓|
|Instant hot/cold water dispenser||✓||✓|
|Roof leak repairs||✓|
American Home Shield gives Nevada homeowners some control over their monthly premium, allowing them to choose between a $75, $100 and $125 service fee. This deductible is paid to a certified technician when they’re dispatched to your home for a covered repair or replacement.
Below is a look at each plan’s monthly price breakdown for a single-family home in Reno, Nevada:
|Plan||$75 Service Fee||$100 Service Fee||$125 Service Fee|
AFC Home Club
America’s 1st Choice Home Club is noteworthy for its four comprehensive plans and extensive list of optional add-ons. The provider has served homeowners nationwide for over 10 years and allows policyholders to select their own repair contractor as long as they’re licensed, bonded and insured.
America’s 1st Choice Home Club offers four plan options: the Systems Plan, Silver Plan, Gold Plan and Platinum Plan. Each plan covers appliances, systems or a combination of both. The Systems Plan covers six major items like your heating and plumbing systems while the Silver Plan focuses on appliance coverage, with protection on nine items like your oven, refrigerator and clothes washer.
The Gold plan protects both systems and appliances, combining coverage offered in the Systems and Silver Plans. For the most comprehensive coverage, America’s 1st Choice Home Club offers its Platinum Plan. This option covers 18 items, including your ice maker, built-in microwave and plumbing stoppages. The provider also offers optional coverage on six items, including your sump pump, septic system and hot water dispenser.
|Coverage||System Plan||Silver Plan||Gold Plan||Platinum Plan|
America’s 1st Choice Home Club has affordable coverage options and lets customers adjust their monthly premium by selecting from three different service fees. Below is a look at the cost breakdowns of each plan for a single-family home in Reno, Nevada:
|Plan||$75 Service Fee||$100 Service Fee||$125 Service Fee|
Liberty Home Guard
Even though Liberty Home Guard (LHG) is only a few years old, the home warranty provider serves 48 states and has one of the most affordable service fees in the industry at $60. The company is known for its affordable and unique coverage options, offering three plans and over 20 optional add-ons to Nevada homeowners.
Liberty Home Guard offers its customers three different plans: Appliance Guard, Systems Guard and Total Home Guard. As their names suggest, the Appliance Guard and Systems Guard protect only the items they’re named after. Appliance Guard covers nine appliances and Systems Guard protects six home systems.
For the most comprehensive coverage, LHG offers its Total Home Guard plan, which combines coverage from the previous two plans to protect 15 essential systems and appliances. Additionally, the provider offers 28 optional add-ons, listed below:
- Pool and spa
- Well pump
- Additional spa
- Stand-alone freezer
- Lighting fixtures
- Gutter cleaning
- Floor and carpet cleaning
- Lawn sprinkler system
- Swamp cooler
- Second refrigerator
- Ice maker
- Wine cooler
- Grinder pump
- Sump pump
- Central vacuum
- Septic tank pumping
- Limited roof leak
- Pest control
- Water softener
- Electronics protection
- Ejector pump
- Trash compactor
- Freestanding ice maker
- Saltwater pool
- Plumbing fixtures
- Water dispenser
|Coverage||Appliance Guard||Systems Guard||Total Home Guard|
|Ceiling and exhaust fans||✔||✔|
Liberty Home Guard is known for its affordable $60 service fee. In addition to helping customers save money through its low deductible, the provider also offers $200 off, one month free and free roof coverage when you sign up for a yearly contract. Here’s a price breakdown for a single-family home in Reno, Nevada:
|Plan||Monthly Cost||Cost of Single Payment|
|Total Home Guard||$59.99||$599.99|
First American Home Warranty
First American Home Warranty is a top choice for Nevada homeowners as an industry veteran with over 30 years of experience. The provider is known for its responsive 24/7 customer service and two comprehensive coverage plans. One thing that sets this provider apart is its First Class Upgrade, an add-on that covers unusual items and services like building permits, refrigerant recapture and appliance haul-away.
First American Home Warranty offers customers two plans: the Basic Plan and the Premier Plan. The Basic Plan covers eight appliances while the Premier Plan protects 16 systems and appliances, including your clothes washer, refrigerator, garbage disposal and trash compactor. One of the most unique features of First American Home Warranty is its First Class Upgrade. It includes:
- Coverage for cosmetic damage on home systems or appliances
- Expenses for using cranes during installation
- Up to $250 for building permits
- Pays for haul-away services
In addition to its First Class Upgrade, the provider offers six extra optional add-ons, including:
- Central air conditioning
- Additional refrigeration
- Pool/spa equipment
- Well pump
- Septic tank pumping/system
- HVAC tune-up
|Coverage||Basic Plan||Premier Plan|
|Garage door opener||✓|
|Central vacuum system||✓|
First American Home Warranty doesn’t let Nevada homeowners select their own service fee, charging an $85 service call fee for all plans. However, the provider does offer two affordable plans and helps customers save money by signing up for a yearly contract. Here’s a price breakdown for a single-family home in Reno, Nevada:
|Plan||Monthly cost||Yearly cost|
How Much Does a Home Warranty in Nevada Cost?
A home warranty plan is priced between $45 and $65 a month. The average annual home warranty costs will be anywhere from $480 to $780 a year. The total annual costs of the home warranty will include monthly fees, service fees, and coverage caps. Service fees are paid each time a repair is needed. Service fees will range in price from $60 to $150, with the average being around $85. The coverage caps are the maximum amount that a home warranty policy will payout for a home system or appliance repair. For homes with high-end systems and appliances, the coverage caps are something to pay close attention to.
|Home Over 5,000 sq ft||$1,252.00|
|Home Under 5,000 sq ft||$613.10|
How to Choose the Best Home Warranty in Nevada
Now that we have narrowed things down to just the top four plans on the market, you have to make the difficult decision of choosing just one plan for your home. When analyzing these companies and trying to decipher which is the best, there are a few critical features to look out for. Three of the most important factors to consider are pricing, coverage limits, and workmanship guarantees.
Workmanship Guarantee: If a repair fails, many home warranty companies will come back to repair again without charging you an additional service fee. This is an excellent benefit for those that are looking for overall affordability and accountability.
Pricing: Pricing of home warranty plans varies greatly. Always be sure to consider the exclusions, the monthly prices, and the service fees when comparing one plan to another.
Coverage Limits: Each covered item on your home warranty policy will have a limit. The limit will determine how much a company is willing to pay out on that appliance or system in a given year. Coverage limits can range from $500 to $3,500.
The above criteria should be among the first things you consider when choosing a home warranty in any state. However, there are some specific coverages you might want to think about that are important in Nevada.
For one, Nevada experiences extreme temperatures in the summer, which means most residents will have their air conditioning systems running constantly for months on end to stay safe and comfortable. Over time, extended use can cause system breakdowns, which can lead to expensive repairs. It’s recommended that you choose a home protection plan that includes coverage for air conditioners.
The excessively hot weather in Nevada can also put a strain on your refrigerators and freezers that work to combat the heat. It’s a good idea to include appliance coverage for these to protect yourself and maintain peace of mind.
The winter months in Nevada can be brutally cold, which means your heating system will work overtime to keep you warm. It’s wise to get protection for this system as well to minimize your unexpected out-of-pocket costs.
What Is a Home Warranty?
A home warranty is a protection plan that will protect your savings account from expected costs related to appliance and systems maintenance. Home appliances and systems are expensive to repair and replace. However, if you have a home warranty in place, you will barely have any out-of-pocket costs when a repair is necessary. Most home warranty plans will start without the need for an inspection. The coverage typically begins about 30 days after your first payment.
Generally, you’ll pay an annual cost for your home warranty, and then an average of $85 for every service call you need throughout your contract. It’s important to remember that every plan has coverage caps that limit the payouts per year and per system or appliance.
Home Warranty vs. Homeowners Insurance
Home warranties are similar to homeowners insurance policies because they protect you from unexpected hardships. However, there are some key differences between the two that you should understand.
First, home warranties cover individual home systems or appliances, and home insurance policies cover your entire home in general. A home insurance policy might pay out for appliances or home systems as well, but usually as a part of your entire home coverage. While this might seem like a minor difference, it’s actually quite important because it affects how and when your insurance kicks in.
Home insurance policies typically provide coverage in the case of a catastrophe, like a house fire, a flood, an earthquake, a tree falling on your home, or some other natural disaster. A home warranty provides coverage for much more mundane issues, like your fridge failing to cool or defrost, your plumbing system getting clogged, or your air conditioning system breaking down because of overuse.
Another crucial difference between the two is the amount you’re expected to pay out of pocket for repairs. Home insurance policies almost always have a large deductible reaching into the thousands of dollars. You’ll be on the hook for that amount before coverage kicks in. With a home warranty, you’ll only ever pay the service fee — an average of $85 — unless the repair cost exceeds your coverage caps.
How Does a Home Warranty in Nevada Work?
Once you decide you want home warranty coverage, you can choose a provider, choose one of its plans, and then make a payment for the coverage. Coverage can take up to 90 days to kick in, but after that, you can follow the below steps to request service.
- When you have to file a claim for your home, you will use the online portal system or call your home warranty company and alert them to the issue
- The company then works on scheduling a qualified repair technician or service professional to come to your home to fix the issue
- You’ll pay the service fee
- You enjoy lower out-of-pocket costs for your home repair
Biggest Complaints about Home Warranty Companies in Nevada
The home warranty companies reviewed above have generally positive reviews from Nevada homeowners. However, there are some common complaints we see for these companies and others from residents in your area.
One of the most common issues mentioned in reviews is that coverage that is expected is denied. In some cases, coverage denial could be a less reputable company attempting to save money on the repair. More often, though, coverage is denied because of limitations for coverage in the contract. You should always read your service contract carefully for exclusions, even on covered items.
Another complaint we see regularly about home warranty customers is that their out-of-pocket costs are higher than they expect for certain repairs. Most of the time, this occurs because the coverage caps offered by the provider don’t cover the total repair or replacement cost. For example, a coverage cap of $2,000 might not cover a whole fridge replacement, so you would be responsible for the overage. It’s crucial that you understand your contract’s coverage caps so that you aren’t caught off guard by charges above the service fee.
A Nevada home warranty can provide the peace of mind that your home’s essential systems and appliances are protected if they break down. Rather than pay out-of-pocket for expensive repairs or replacements, a quality plan can help you resolve the issue while incurring minimal costs. American Home Shield is our top choice for a home warranty. The provider’s comprehensive coverage and history of quality customer service are well worth its slightly above-average costs. However, all of the providers on this list are excellent options to protect your Sagebrush State home.
No matter which home warranty you ultimately choose, it’s important to receive quotes from multiple providers and compare plans to get the coverage that’s right for you. And with Las Vegas, NV ranking 4th for the most home sales per capita, home warranties are often included when buying a new home.
Frequently Asked Questions About Nevada Home Warranties
What is the best home warranty in Las Vegas?
American Home Shield is the best home warranty available to Las Vegas residents. With four comprehensive protection plans and a variety of optional add-ons, this provider has a little something for every home buyer. Additionally, the provider has generous coverage caps that ensure you don’t pay extra just because you need more service.
Are home warranties worth it for HVAC?
Although HVAC coverage through a home warranty provider doesn’t cover every breakdown, most plans cover wear-and-tear damage that accrues over your system’s lifetime. Additionally, most home warranties pay for themselves over time and are less than the average cost of many HVAC repairs.
What does a home warranty cover?
What is a service fee?
The service fee is the price that you pay for a repair technician to come to your home and make a repair. The service fee can sometimes be called a deductible, and it should be the only cost incurred with a repair of a covered item.
Can I choose my home repair technician with a home warranty?
Some companies will allow you to choose a service technician or company you trust to complete the repair in your home. However, with the workmanship guarantees that some plans offer, this can get a bit tricky.
Home Warranty Rating Methodology
To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:
- Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
- Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
- Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
- State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
- Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.
To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.