The increasing extreme winters and hot summers in Ohio can leave homeowners facing expensive, urgent repairs — failed appliances, busted pipes, electrical issues, and more. These homeowner headaches often cost thousands of dollars, expenses most Ohio families can’t readily handle. This is where a quality home warranty can provide real value.
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However, some homeowners are understandably skeptical of home warranties given the industry’s reputation — aggressive sales tactics, denials of claims, and more. So, I took a close look at all the major home warranty companies available to Ohio homeowners.
I compared real pricing, read the fine print to expose sneaky exclusions, and analyzed thousands of reviews to separate the good providers from the bad ones. After hours of research, keeping in mind Today’s Homeowner’s criteria like coverage, affordability, reputation, and customer service, I can confidently recommend the five companies I’ll delve into below as the best home warranty companies in Ohio.
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 Ohio Home Warranty Companies
Key Takeaways
- Liberty Home Guard (LHG) is my number one choice for customization — it has over 40 optional add-ons, including unique benefits like generator coverage, electronics protection, pest control, and carpet cleaning. This flexibility to tailor your plan is great if you want more control. Select Home Warranty provides the best overall value, with lower monthly premiums and decent coverage caps. This makes Select a top choice if saving money is your main priority when choosing a home warranty.
- American Home Shield (AHS) responds quickly to claims, often within one day. Given the cold Ohio winters, fast service is crucial to keep your home warm and pipes from freezing if the furnace fails. AHS also covers unknown preexisting conditions in older homes, which many home warranties don't.
- Pay close attention to the listed exclusions — things the warranty doesn't cover, like improperly installed or misused systems. Understanding exactly what a contract covers — and doesn't — will prevent headaches, wasted time, and extra costs later. Look closely at exclusions for preexisting conditions in older homes.
My Expert Recommendation
After thoroughly researching home warranty providers in Ohio, analyzing sample contracts, and speaking with customer service reps, I found Liberty Home Guard and American Home Shield to be the top options for protecting Buckeye State homes. Liberty Home Guard stands out for its flexibility — it offers 42 optional add-ons, including unique offerings like pest control, carpet cleaning, premium appliances, and more. With no two homes being identical, I know firsthand the value of customizing coverage based on your needs. Given Ohio’s varied climate, Liberty’s responsive emergency services also provide confidence when you need it most.
For Ohio homeowners with high-end appliances, I recommend American Home Shield. It provides reliable protection and decent coverage caps — $4,000 for appliances and $5,000 for home systems, which reviews show is typically enough even to cover premium equipment brands. Having looked over the fine-print exclusions for both providers, I still consider both Liberty and AHS to be great choices for securing Ohioans’ biggest investments.
After my research, I can confidently recommend all five providers on our list for Ohio residents wanting peace of mind. I’ve compared contracts, add-ons, caps, and more to determine the top home warranty options for Ohio. Whether you want maximum customization or generous appliance coverage, Liberty and AHS stand out as leaders.
After thoroughly researching home warranty providers in Ohio, analyzing sample contracts, and speaking with customer service reps, I found Liberty Home Guard and American Home Shield to be the top options for protecting Buckeye State homes.
Ohio Home Warranty Companies I Didn’t Include
I didn’t include Landmark Home Warranty in my recommendations due to several concerning factors. While Landmark has operated for over 18 years, it still lacks Better Business Bureau accreditation. It also currently holds poor ratings, likely due to unresolved customer complaints. One such complaint raised many red flags for me — see the BBB complaint here:
“I have had a Landmark Home Warranty for 10 years + I requested a repair on December 8th, 2023. BOTH contractors (the only 2 in ******) have both ignored to provide service, made appointments only to be canceled at the last moment. Currently there is a MAJOR leak and the water to home has had to be shut off. I am afraid of the damage this has caused in addition to not having water to the house!”
I also did not include Elite Home Warranty (EHW), though not for any major issues. It lacks emergency services without added fees, has limited online pricing transparency, and has fewer optional add-ons than other providers. But EHW has excellent reviews otherwise and the highest coverage caps I found — $6,000 for appliances and $10,000 for systems. For many Ohioans, the downsides won’t matter. So, if maximum coverage caps are your priority, EHW remains a great choice.
Compare The Highest Rated Home Warranties In Ohio
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Company
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Rating
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Monthly Cost
|
Service Fee
|
Response Time
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BBB Rating
|
Link |
|---|---|---|---|---|---|---|
 Liberty Home Guard
Get Quote
|
$50-$60 | $75 | 12-48 hrs. | NR | Get Quote | |
 American Home Shield
Get Quote
|
$35–$75 | $100–$125 | 24-72 hrs | B | Get Quote | |
 Elite Home Warranty
Get Quote
|
$44.99-$58.99 | $70 | 48 hours | A+ | Get Quote | |
 Choice Home Warranty
Get Quote
|
$46–$55 | $85 | 24-48 hrs. | B | Get Quote | |
 Select Home Warranty
Get Quote
|
$52–$58 | $75-$85 | 24-48 hrs. | B | Get Quote | |
 AFC Home Warranty
Get Quote
|
$38–$62 | $75–$125 | 48 hours | B | Get Quote | |
 First American Home Warranty
Get Quote
|
$72–$87 | $75–$125 | 48 hours | B | Get Quote | |
 2-10 Home Warranty
Our Review
|
$17–$60+ | $65–$100 | 24 hrs | A- | Our Review | |
 Cinch Home Services
Get Quote
|
$28–$68 | $100–$150 | 2–24 hrs | B | Get Quote |
Quote and cost data gathered July 2023. Cost data are updated and monitored continuously.
Liberty Home Guard
4.6
Our Rating
Liberty Home Guard excels in customization for Ohio homes. With over 40 add-on options, you can tailor coverage to unique features like a central vacuum system, generator, or guest house. I know no two homes are identical, so this flexibility provides real value. Liberty also offers great perks like a 60-day workmanship guarantee on repairs — longer than the industry standard 30 days. This provides extra reassurance that LHG will properly address any issues.
I’m disappointed by Liberty’s $2,000 coverage cap per appliance, which is lower than that of most competitors, many of which, including American Home Shield, offer around $3,000. Liberty’s add-ons are also more expensive than those of other providers. Most cost $14.99 per month, while those of most other providers are around $9.99. Additionally, Liberty is a newer company, founded in 2017, compared to longer-standing companies like ASH, with 50 years of doing business. Once under contract, some customers report frequent sales calls and a $50 cancellation fee (when you cancel 30 days after enrolling), which is frustrating.
Liberty stands out to me for its extensive customization options. With over 40 add-ons for coverage of pools, wells, septic systems, and more, you can tailor your policy precisely. This makes it the best option for Ohio homeowners who have a lot of uncommon systems and appliances. Liberty also provides great customer service, fast claims handling, and a 60-day workmanship guarantee — longer than the 30-day industry norm. Competitive pricing, starting at around $50 per month, adds to its value.
The main drawback is Liberty’s lower $2,000 coverage caps, which may not be enough to repair or replace premium appliances. They offer “pro-series” extra coverage for appliances, but the additional monthly premiums per appliance don’t seem justified to me. Other providers, like American Home Shield and Elite Home Warranty, have higher coverage caps and a lower monthly premium (when you include LHG’s add-on price for premium appliances).
However, if you have standard appliances and systems like many other Ohioans, few companies can match Liberty’s customizable plans, affordability, and excellent service reputation. For most Ohio homeowners without ultra-high-end appliances and home systems, Liberty is my top choice for home warranty coverage and peace of mind.
Liberty Home Guard gets an impressive 10/10 score for plans and coverage due to its three comprehensive plan offerings and significant amount of add-ons. Its plans start at affordable rates — around $50 monthly for Appliance Guard, equaling the $50 national average. The Systems Guard plan is $55 per month, while the Total Home plan is $60 monthly. I recommend the Total Home Guard plan to Ohioans for complete peace of mind, covering both systems and appliances. At only about $10 more than Appliance Guard, the value is strong.
Liberty offers over 40 add-ons like pest control, septic pumping, well pumps, and limited roof leak coverage, which comes in handy with Ohio’s high rainfalls in the spring. Most add-ons range from $8 to $15 per month, providing flexibility. One drawback is Liberty’s $65 to $125 service fee when you file a claim — which is higher than the $75 industry average. When I did my secret shopping, Liberty offered nice discounts like a $225 coupon and two free months when you pay up-front for a full year (providing over $100 in savings). I suggest calling to get the best deal. With customizable coverage, discounted pricing, and comprehensive plans, Liberty provides solid value.
| 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 home, 2 BR, under 5,000 square feet, in Cleveland, OH. The cost data presented was accurate at the time of publication.
Available Add-Ons
Of all the home warranty providers I researched, Liberty Home Guard offers the most optional add-ons at 42 total. This extensive selection provides real value for Ohio homeowners.
If you live in a rural Ohio area reliant on wells and septic systems, you can add coverage for ejector pumps, septic pumping, well pumps, and more. Or, if you own a higher-end home with a guest house, pool, generator, and pro-series appliances, you can cover all of these items as well. Liberty also lets you add routine services like pest control, carpet cleaning, power washing, and window washing. These unique offerings set Liberty apart from other providers.
- Carpet cleaning: $19.99/month
- Casita guest unit: $35.99/month
- Central vacuum: $8.99/month
- Electronics protection: $19.99/month
- Ejector pump: $14.99/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
- Salt water 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
Exclusions
LHG has the following exclusions from its plans. These are typical exclusions among home warranty providers and nothing out of the ordinary.
- 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
- Noise
- Radon and other leak detection monitoring systems
- Remote receiving and transmitting devices
- Solar systems and applications
Liberty Home Guard offers competitively priced plans starting at $49.99 monthly for Appliance Guard. This lines up with the $50 national average. However, you may pay more for add-ons, most are priced over $14.99 per month — that is higher than competitors’ $6-$13 range. There’s also a steep $65 to $125 service fee when filing claims. One important fine-print item I saw in a sample contract is that Liberty only covers items up to “book value,” so not the full pre-depreciation value, so definitely keep this in mind if you choose to go with Liberty. Coverage caps are also lower at $2,000 per item, below competitors like American Home Shield, which is $3,000.
That said, Liberty shines if you have unique appliances like a water softener or specialty systems. With the most add-ons, you can likely cover distinctive items other plans may exclude. So, while base plan costs are affordable, watch for pricier add-ons and lower caps from Liberty versus other companies. For Ohioans with atypical appliances and systems, Liberty lets you customize coverage beyond standard plans. Just be aware of how add-on costs and lower item limits compare, and make sure the coverage meets your needs.
Liberty Home Guard seems to provide fairly strong customer service based on my research and time reading reviews. I appreciate its user-friendly online quoting process that lets you easily customize coverage and compare plan options. Its 30–60–day (depending on the plan) waiting period is also about the industry average for you to access coverage after purchase.
Once you have a Liberty policy, there are multiple contact options if any issues occur — live chat, phone, and email. This convenience enables quick support. I also like the 60-day service guarantee, which is longer than the industry standard 30 days. This shows Liberty stands behind its work.
After researching dozens of home warranty providers, I can confidently say that no home warranty company matches the consistently high ratings of Liberty Home Guard. For superb customer service and reputation, it’s my top recommendation in Ohio. Liberty’s overwhelmingly positive Google reviews highlight exceptional service — from representatives going above and beyond to fast turnarounds on claims. I had to really hunt to find negative feedback.
The few critiques cited long waits, high fees, and contract confusion — but these were far and few between. Liberty’s positive Glassdoor rating also shows a commitment to employees and customers that strengthens its quality service. Happy staff usually means happy customers.
| Rating Site | Rating | Number of Reviews |
| BBB | NR* | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 4.7 | 2,257 |
| 4.7 | 9,693 | |
| Yelp | 1.3 | 48 |
*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating.
Editor’s Note: The ratings provided were accurate at the time of publication.
Note (as of 2/16/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.
With an average claim response time of just 12 hours, Liberty Home Guard stands out by offering emergency services and quick turnarounds that many competitors don’t. This ability to urgently address disasters like burst pipes or appliance leaks during Ohio’s frigid winters is a major benefit. Rapid response can make all the difference for an Ohio homeowner facing a failed furnace on a January night.
Based on consistently positive feedback praising smooth, speedy claims and payouts, Liberty easily earns my 10/10 rating for going above and beyond with its user-friendly process. Once the standard 30–60–day waiting period ends, most claims receive approval within 48 hours.
Liberty Home Guard is available in all 50 U.S. states. As a nationwide provider, it has many strong connections with local contractors that can help fix issues that pop up in your home.
American Home Shield
4.3
Our Rating
American Home Shield (AHS) allows you to add unique offerings like roof leak protection as an add-on or within a premium bundle. AHS also impresses me with its industry-leading coverage limits — up to $5,000 for systems and $4,000 for appliances. Extra perks like covering rust/corrosion and adjustable service fees demonstrate a commitment to customers, in my view. With over 50 years of experience, AHS has had ample time to build relationships with local contractors — providing qualified technicians to serve you when you need repairs.
Given American Home Shield’s decades of industry experience, I’m concerned by its abundant negative customer feedback versus competitors like Liberty Home Guard and Select Home Warranty. On sites like the BBB, AHS has significantly more complaints than these other leading providers.
For a company with 50 years of history and contractor relationships, these red flags give me some pause. Complaints include unexpected rate hikes and short 30-day workmanship guarantees, showing some room for transparency and service improvements.
As an industry founder with over 50 years of experience, American Home Shield leads with strong coverage offerings and limits reaching $6,000. This far exceeds the $3,000 caps of most competitors like Select Home Warranty. ASH’s extensive contractor network also provides broad, reputable support.
AHS covers undetectable preexisting conditions plus rust and corrosion, unlike many providers — increasing its value. Though touting robust contractor partnerships, some reviewers have faced very long repair delays. And at 30 days, the workmanship guarantee falls short of those of rivals like Liberty Home Guard, with a 60-day guarantee.
I found AHS’s website and quotes straightforward during my secret shopping. However, despite the high caps, the lower-tier plans cover too few appliances and systems. For comprehensive protection, the ShieldPlatinum plan is best, covering nearly everything with only slightly higher pricing. For Ohio homeowners wanting generous coverage limits, AHS is a strong choice. But be aware of potentially long service delays cited in some reviews.
American Home Shield offers three plans in Ohio: ShieldSilver covers major systems, ShieldGold adds some appliances, and ShieldPlatinum is its comprehensive offering. The ShieldPlatinum includes exclusive coverage for roof leaks and bundles a free HVAC tune-up — valuable maintenance before Ohio’s rough winters. It also allows for code violations and improper installations that trip up other policies.
All AHS plans cover older items, undetectable preexisting conditions, and even improperly installed systems, which some competitors like Select Home Warranty exclude. Coverage limits go up to $5,000 for systems and $4,000 for appliances. While AHS offers a choice of $100 or $125 service fees, this is higher than some rivals. However, selecting a lower fee means a higher monthly premium. It’s a trade-off. However, I think the expanded protections on both new and aging equipment help justify ASH’s pricing.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| ShieldSilver | $29.99 – $39.99 | $100 – $125 | Same-day discount |
| ShieldGold | $49.99 – $59.99 | $100 – $125 | Same-day discount |
| ShieldPlatinum | $79.99 – $89.99 | $100 – $125 | Same-day 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 home, 2 BR, under 5,000 square feet, in Cleveland, OH. The cost data presented was accurate at the time of publication.
Available Add-Ons
American Home Shield has the following optional add-ons:
- 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
I appreciate the electronics protection as I own several expensive computers, tablets, TVs, and gaming systems, so I know how expensive replacing these items can be. This coverage would give me peace of mind.
And although AHS has a roof leak repair standard in its Shield Platinum plan, you can add it as an optional add-on to either lower-tier plan. I live in the neighboring state of Indiana, so I know Ohio can get lots of rain in the spring and fall. This roof leak coverage will help fix any issues and keep your home dry at an affordable price.
Exclusions
Like all home warranty companies, Liberty has several exclusions to its plans. None of these exclusions stand out to me and are typical in the industry.
- 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
- Natural disasters
- Neglect, rust, corrosion, or sediment
- Removal of hazardous materials, such as asbestos, lead, or other toxic materials
American Home Shield’s plans come at a higher yet still competitive cost versus some providers. Monthly premiums of $29.99 to $89.99 and service fees of $100 to $125 are slightly above average. However, they offer greater protections than budget competitors like Select Home Warranty.
For instance, AHS provides a generous $3,000 coverage maximum for pools — triple what most warranties cover. So, while not the most affordable, the higher premiums give Ohio homeowners more repair expense protection, especially those with high-end appliances or multi-system setups needing pricier repairs.
I recommend weighing the monthly and service costs against your potential repair expenses without a home warranty plan. Consider how much your appliances would cost to fix when you look at ASH’s offerings. If you have expensive items with higher repair/replacement costs, you can likely justify the higher monthly premiums to get ASH’s robust $6,000 coverage caps.
I expect top-notch customer service from American Home Shield since it’s been in the industry for over 50 years. However, numerous reviews cite communication breakdowns with unreturned calls and messages — a red flag to me. While no provider is perfect in this regard, this seems like a clear area for improvement based on customer feedback and deserving of my higher 8.4/10 score.
On the other hand, AHS does provide multiple contact methods through an account manager system. This accessibility can smooth over issues with individual representatives. And its 30-day waiting period before coverage also compares favorably to competitors with 60-plus day waits.
American Home Shield has a mixed reputation with several factors that make my 7.7/10 rating more than fair. It has some concerning BBB, Trustpilot, and Yelp reviews that indicate problems with service quality and satisfaction. However, many negative reviews stem from misunderstandings over policy details and coverage caps. Not all of the negative feedback is justified.
Far fewer complaints involve contractor delays, claim rejections, or unresponsiveness — serious issues, in my opinion. On the other hand, positive reviews spotlight strong coverage when functioning smoothly. And ASH’s active engagement on Trustpilot to resolve complaints shows corporate dedication.
However, the subpar ratings indicate room for better communication, accessibility, and reliability — key elements alongside robust coverage. For Ohio homeowners, having responsive, dependable support is crucial when dealing with urgent issues like furnace failures in the middle of winter. This makes ASH’s mixed reputation concerning to me, as I had my furnace fail in 0°F weather last year. On a positive note, AHS makes filing claims straightforward with 24/7 online and phone support. Once submitted, you can conveniently track the repair status through your online account, providing transparency to the claim process.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 2.1 | 5,178 |
| 2.8 | 2,379 | |
| Yelp | 1.0 | 826 |
Editor’s Note: The ratings provided were accurate at the time of publication.
American Home Shield provides a straightforward 24/7 claims process, accessible both online and by phone. This around-the-clock support is crucial for urgent issues demanding immediate attention, like air conditioner breakdowns during Ohio summers. Once you submit a claim, you can conveniently track its status and repair history through your online account dashboard. I think this ongoing visibility is great as it lets you keep track of when critical home systems and appliances break down. However, its average response time of 48 hours is longer than other industry leaders, which drags the score for its claims process down to 8.4/10.
American Home Shield gets a stellar 10/10 rating because it offers plans to homeowners nationwide, excluding Alaska. Like other nationwide providers, AHS has strong relationships with local contractors to swiftly get experienced repair technicians to your door when something goes wrong.
Choice Home Warranty
4.3
Our Rating
I like that Choice Home Warranty offers two straightforward plans for Buckeye State homeowners — a Total Plan covering nearly all systems and appliances and a Basic Plan that excludes AC, fridge, washer, and dryer. This makes comparing and choosing plans simple. Choice Home Warranty stands out with its 24/7 support, 365 days a year, and multiple ways to file a claim by phone or online. Many Ohio customers report receiving fast, effective service from knowledgeable technicians when using the claims process.
The biggest drawback is Choice’s set $85 technician fee. This is not the most affordable rate among providers — some offer cheaper tiered pricing depending on the service type. However, the benefit is certainty — you won’t encounter surprise charges since the rate is fixed up-front. I also have concerns about Choice’s poor Yelp rating of 1–star and a mediocre 3.7–star rating on Trustpilot. CHW also has ongoing lawsuits, including one filed by the Arizona attorney general in 2019. Some customers even allege Choice makes false promises.
I recommend Choice Home Warranty (CHW) for its industry-leading claims approval rate. Through my research, I found CHW to have the highest claims acceptance rate among home warranty companies. This means if your system breaks in Ohio, you’re more likely to get your claim approved and the issue resolved with CHW compared to other providers. CHW offers 24/7 support and multiple ways to file claims online or by phone. Many customers report fast service from CHW’s contractor network, though some face delays. Either way, knowledgeable technicians are ready to help when breakdowns happen.
The basic CHW plan covers both major systems and appliances, unlike many basic plans from competitors. Coverage caps are $3,000 per item annually — about average. But for luxury appliances needing higher limits, I’d choose American Home Shield, which has coverage caps of $4,000 for appliances and $5,000 per system.
On the downside, CHW’s customer service reputation isn’t great, scoring below average on sites like Trustpilot and Yelp. But for Ohioans who prioritize claims approval, CHW’s leading industry acceptance rate makes it a solid choice. Just be prepared for the potential of some repair delays or communication issues.
Choice Home Warranty gets an 8.3/10 rating because it simplifies things by offering just two straightforward home warranty plans: a comprehensive Total Plan and a more affordable Basic Plan. The Total Plan covers 18 key home systems and appliances for under $55 a month — lower than most competitors’ rates. The Basic Plan costs slightly less monthly but still protects 14 major systems and appliances. Between the two budget-friendly options, Ohio homeowners can likely find a plan fitting both their needs and budget.
With just 12 optional add-ons, CHW has fewer than some providers like Liberty’s 40-plus options. But if you want basic protection at a low monthly cost, Choice delivers. For straightforward and inexpensive home warranty coverage with great claims approval, Choice is my go-to recommendation. Its two simple plans make choosing easy while providing protection at competitive monthly rates.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Basic Plan | $46.83 | $85 | $50 off and 1 month free |
| Total Plan | $54.75 | $85 | $50 off and 1 month free |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Cleveland, OH. The cost data presented was accurate at the time of publication.
Available Add-Ons
Choice Home Warranty has the below optional add-ons. I appreciate the Limited Roof Leak coverage, as my home in Indiana sees a lot of rain in the spring, as my neighboring Ohioans do.
- Central vacuum: $3.33
- Limited roof leak: $5.83
- Pool: $15
- Second refrigerator: $3.33
- Septic system: $10
- Septic tank pumping: $5.42
- Spa: $15
- Additional spa: $15
- Sprinkler system: $8.33
- Standalone freezer: $3.33
- Sump pump: $3.33
- Well pump: $8.33
Exclusions
After looking at a sample contract, I found the below exclusions in Choice Home Warranty’s plans. All are on par with other providers:
- Built-in microwave
- Ceiling fan
- Clothes dryer
- Clothes washer
- Dishwasher
- Garbage disposal
- Oven/range/cooktop
- Refrigerator (except audio/visual equipment and WiFi components– i.e. Smart features)
When it comes to affordability, Choice Home Warranty is a leading option. Both of its straightforward plans cost under $55 monthly — below the industry average. This makes budgeting easy for Ohio homeowners. You’ll also pay a flat $85 technician trip charge anytime a repair visit is needed. While not the absolute lowest fee, it’s a set rate preventing surprise charges.
Additionally, Choice covers the full replacement value if an appliance or system fails — not the depreciated “book value” Liberty Home Guard uses. This ensures you get the true replacement cost. While the $85 repair fee is pricier than some, Choice’s low premiums and benefits, like full replacement coverage, provide strong value. For Ohio residents needing an affordable, uncomplicated home warranty, Choice is a leading option.
Getting a quote from Choice Home Warranty was straightforward. I could view sample contracts and basic plan details during quoting to understand coverage and costs before checkout. Overall, it gets a good 8.4/10 rating since Choice makes it easy to get information when needed. It offers 24/7 customer support and representative accessibility. I appreciate the 60-day workmanship guarantee and 90-day parts guarantee, which gives me confidence in Choice’s service quality.
A downside is that online quotes lack total cost details up-front. You can see what’s covered, but you have to go to checkout to get the full price. However, the 24/7 availability, good guarantees, and quote accessibility show Choice’s strengths in supporting Ohio customers.
Choice Home Warranty gives me mixed signals regarding its reputation. On the one hand, it earns praise on Glassdoor with a 4.7-star employee rating, highlighting an ethical internal workplace. Choice also has decent scores on the BBB and Trustpilot. However, customer review sites like Yelp give the company an extremely poor 1-star rating. Even if the staff is happy internally, the amount of negative customer reviews isn’t reassuring.
This contrast gives me pause for potential Ohio customers. While parts of Choice’s reputation seem strong, I can’t ignore the many poor customer experiences. I encourage you to thoroughly vet Choice before trusting it can deliver reliable service consistently.
Editor’s Note: Today’s Homeowner is aware of a lawsuit in progress against Choice Home Warranty in Arizona. Our team is monitoring the situation and will adjust our scores if a negative judgment is found against Choice. In the meantime, its score is reflective of the company reputation independent of the lawsuit, though you should review the allegations if you have any further concerns.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 3.7 | 37,888 |
| Yelp | 1.0 | 246 |
Editor’s Note: The ratings provided were accurate at the time of publication.
Choice Home Warranty provides 24/7 support and multiple filing options for claims. While it has mixed reviews, most praise its claim process, which garners a great 8.8/10 rating. Many customers report this leads to fast, effective service from knowledgeable technicians when issues arise. However, delays also happen regularly, based on several reviews I read. The fine print shows a four-hour response goal, yet up to 48-hour delays may occur in practice. Reviews are mixed overall — some praise the claims process — while others cite long waits, surprise fees, or problems getting resolutions. That said, I take negative reviews with a grain of salt, as people are more likely to leave reviews about poor experiences than positive ones.
Choice Home Warranty is available in 48 U.S. states — minus California and Washington. For Ohio residents, CHW has strong relationships with local contractors who perform repairs on homes every day.
Select Home Warranty
4.2
Our Rating
I like that Select Home Warranty differentiates itself by including roof coverage across all plan tiers — a rare and valuable offering in the home warranty industry. Most providers completely exclude roofs, even as a paid add-on. But Select bundles this protection affordably into every plan automatically.
For Ohio homeowners facing extreme snow and thunderstorms, having comprehensive roof coverage brings immense peace of mind. Costly roof damage from harsh weather is a real concern here. So, Select’s inclusive plans provide a key layer of financial security. Beyond the roof coverage, Select’s monthly premiums also trend cheaper than those of competitors, so Select delivers superb value for budget-focused Ohio residents.
Select Home Warranty offers just nine optional add-ons — far less than leading competitors like Liberty Home Guard, which offers over 40. For Ohio homes with high-end appliances or unique systems, you may feel under-protected by Select’s lower $3,000 coverage caps.
Another drawback is Select’s lack of coverage for undiscovered preexisting conditions, which many other providers include. This creates a risk for Ohio homeowners unaware of preexisting defects before enrollment. I advise thoroughly inspecting and documenting your home’s appliances and systems first to avoid later claim denial issues. Additionally, Select also prohibits homeowners from selecting their preferred contractors for repairs. And it imposes a tough $75 policy cancellation fee, which seems to benefit Select over providing flexibility to Ohio residents.
Founded in 2012, Select Home Warranty is newer in the industry than other providers like American Home Shield. That said, I still recommend it as a leading provider due to its strong coverage, affordable pricing, and simplicity. With clear Gold, Silver, and Platinum tiers protecting appliances, systems, or both, Ohio homeowners avoid confusing offerings some competitors push. However, it has just a few minor downsides, bringing its score down to 8.4/10.
For example, Select’s coverage caps only reach $3,000 for key systems. This may fall short for costly HVAC replacements, given Ohio’s weather swings between cold winters and hot summers. Some providers offer up to $6,000 in coverage, so consider your HVAC system’s cost before choosing Select. That said, Select outperforms on value with its below-average monthly premiums. Its 90-day workmanship guarantee also surpasses the 30- to 60-day industry norms.
If you have luxury appliances or specialty home systems, other providers like American Home Shield may be better choices. But for standard Ohio homes, Select’s typical inclusions, cheaper monthly rates, and lower service fees will suffice for most Ohio homes.
Select Home Warranty stands out for its straightforward home warranty plans focused on core appliances and systems. For Ohio homeowners wanting simplified coverage, Select delivers. It offers plan tiers for appliances, systems, or combined protection. However, the Gold and Bronze plans leave major gaps in coverage that the Platinum plan fills for just about $4 more per month. At that small upgrade cost, I think the Platinum plan becomes the obvious choice for nearly all buyers wanting comprehensive protection.
Select lets you easily compare and choose what you need — it’s one of the most consumer-friendly providers I found. Its website makes comparing and selecting the right plan simple and transparent. While light on add-ons, Select excels with clear plans and affordability. It regularly offers savings like two free months and $150 off annual pricing, too.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Bronze Care | $44.42 | $75 | $150 off (website), two extra months free |
| Gold Care | $44.42 | $75 | $150 off (website), two extra months free |
| Gold Care | $47.75 | $75 | $150 off (website), two extra months free |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Cleveland, OH. The cost data presented was accurate at the time of publication.
Available Add-Ons
Select Home Warranty offers the below optional add-ons to Ohio Homeowners. As someone who has a well and septic as opposed to city water, I appreciate the add-ons to cover these expensive systems, and I’m sure Ohioans living in rural areas do, too.
- 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
- Standalone freezer: $3.33/month
- Sump pump: $3.33/month
- Well pump: $3.33/month
Exclusions
Like all home warranty providers, Select has a handful of exclusions to its plans:
- Common areas in condominiums or multi-family 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 (for example mold, asbestos, and gas leaks)
- Secondary damage (for example, your home warranty may cover roof damage but won’t cover water damage caused by a leak)
- Solar heating systems
These are pretty standard exclusions in the industry.
Select Home Warranty excels in affordability and gets a stellar 9.1/10 rating. It has affordable premiums on all its plans, beating the $50 industry average at only around $40 monthly, including discounts. This competitive pricing extends across Select’s Bronze, Gold, and Platinum plans, covering either appliances or systems without large upcharges. Its low pricing provides real savings for Ohio homeowners needing coverage on a budget. I also appreciate that Select gives homeowners the choice of $65 or $75 service fees — over $20 below the $100-plus many competitors like American Home Shield charge.
With its quick, transparent, and easy-to-use online quote process, Select Home Warranty has an above-average customer experience, especially with its user-friendly online interface. You can clearly see what each plan includes, excludes, and costs. Add-on breakdowns are also readily available. Compared to pushier competitors, Select’s quote process is much faster and lower pressure. This convenience contrasts with other providers that bombard you with calls and emails. Select lets Ohio residents learn what plan fits their needs best without needing to talk with pushy salespeople.
Select Home Warranty earns a decent B rating with the Better Business Bureau, which shows adequate performance. However, some online reviews paint a mixed picture, which brings its score to a fair 8.3/10 rating. Feedback ranges from praise for good service and quick repairs to complaints about low payouts and denied claims. That said, it doesn’t face overwhelming criticism like some major providers. But it’s clear after diving into Select’s reputation that not all customers have positive experiences. Keep in mind that most people are more likely to complain about a bad experience than praise a company for good or sufficient service.
As a Midwest homeowner, I’d weigh this conflicting feedback carefully alongside Select’s affordability and coverage. No company satisfies everyone. But some issues like low claim payouts would make me cautious. However, Select’s BBB rating and pricing are pros.
| Rating Site | Rating | Number of Reviews |
| BBB | B | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 3.7 | 4,590 |
| 1.6 | 27 |
Editor’s Note: The ratings provided were accurate at the time of publication.
The claims process with Select Home Warranty is relatively straightforward — you can submit online or by phone. However, Select takes about 48 hours to schedule a technician for non-emergencies. For this reason, it scores at a lower 7.6/10 in this category. While Select offers a typical claims intake process, its 48-hour response time lags some competitors who aim for 12 hours or less. When critical appliances like your refrigerator fail, waiting two days could spoil all your food.
Select Home Warranty gets a perfect 10/10 rating for availability. Its plans are available in all 50 U.S. states and the District of Columbia. With full nationwide coverage, you can expect good contractor relationships and response times to issues in your home.
Cinch Home Services
4.1
Our Rating
What really makes Cinch Home Services stand out to me is its phenomenal 180-day workmanship guarantee, which dwarfs the industry standard 30– to 90-day coverage. This exceptional six-month guarantee demonstrates Cinch’s commitment to quality service. Another benefit is Cinch’s 24/7/365 customer support availability — Ohio homeowners can get assistance any time of day or night. I also like Cinch’s low monthly premiums that start at only about $30. This highly affordable pricing makes Cinch an excellent option for Ohio residents seeking reasonable costs and robust coverage in one great package.
I’m disappointed Cinch Home Services only offers five optional add-ons, which is limited compared to the 10 to 15 average and the 40-plus Liberty Home Guard offers. Cinch also excludes uncommon items like electronics and specific services such as roof leak repair. For Ohio homeowners wanting customization, Cinch’s offerings may disappoint. Additionally, Cinch charges high service fees of $100-$150 and a $25 cancellation fee 30 days after signing your contract.
Cinch Home Service scores a good 8.1/10 overall rating– it excels in its claim process, reputation, availability, and affordability but could do better with its plans and coverage. It has over 40 years of experience, good pricing transparency, a straightforward claims process, and access to quality service reps. With its decades in business, it’s built trust with homeowners nationwide. A key benefit is Cinch’s 180-day workmanship guarantee, which dwarfs the industry standard 30– to 90-day coverage. This exceptional six-month guarantee and streamlined claims process shows Cinch’s commitment to quality repairs.
Like most home warranty providers, Cinch offers three plans, which range from $34.99 to $49.99 per month — about average for the industry. However, it lacks a well-rounded list of optional add-ons, offering only six, which is many fewer than Liberty’s 42 add-ons and the 10 to 15 average from other providers. Plus, the add-ons are more expensive than average, ranging from $12.50 to $22 per month. Along with a higher-than-average service call fee of $100 to $125, this was disappointing to discover.
However, Cinch holds a respectable B+ rating with the Better Business Bureau — quite high for the home warranty industry. This grade reflects Cinch’s continued efforts to satisfy clients and resolve issues over its many years in business. While not the cheapest option, Cinch is a great choice for premium service, easy claims process, and coverage of all standard appliances and systems.
Cinch Home Services offers three straightforward home warranty plans: Complete Home, Built-In Systems, and Appliances. However, it falls behind competitors with add-ons and exclusions, earning it a lower 6.7/10 rating. Its monthly costs range from $30 to $57 with a $100, $125, or $150 service fee, which you can choose for a lower or higher monthly premium. I recommend the Complete Home Plan because it offers broad coverage of nearly all major appliances and systems. For Ohioans seeking comprehensive protection, it’s a great option.
I appreciate that Cinch’s core plans include 12 key items like refrigerators, ACs, and washers. This matches competitors’ standard coverage. However, with only three plans and five add-ons, Cinch offers less customization than many rivals. It also excludes uncommon items like electronics and roof leak coverage, which is beneficial to Ohio homes in the rainy season.
So, while Cinch delivers solid protection for essentials, homeowners wanting expansive customization may want to look elsewhere, like Liberty Home Guard. But if basic coverage at competitive pricing suits your needs, Cinch provides standard home warranty options similar to other major providers in Ohio.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Complete Home Plan | $44.99 – $56.99 | $100, $125, or $150 | Get your first month free |
| Built-in Systems Plan | $35.99 –$47.99 | $100, $125, or $150 | Get your first month free |
| Appliances Plan | $30.99 – $40.99 | $100, $125, or $150 | Get your first month free |
*You choose the service fee when you sign your contract; a lower service call fee corresponds with a higher monthly premium.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Cleveland, OH. The cost data presented was accurate at the time of publication.
Available Add-Ons
Cinch Home Warranty offers the below optional add-ons to Ohio residents. The Premier Upgrade Package is a nice add-on for homeowners who may need help getting their home systems up to code before selling it or moving in.
- Pool (heater included): $22
- Spa (heater included): $22
- Pool with built-in spa (heater included): $22
- Septic tank/pumping: $4.58
- Well pump: $12.50
- Premier Upgrade Package (includes permits, code upgrades, removal and disposal costs, and more): $12.50
Exclusions
Like all providers, Cinch Home Warranty has exclusions. These are nothing out of the ordinary.
- Accidents
- Commercial-grade appliances or systems
- Coverage below the slab or basement floor of your home
- Damage caused by abuse, misuse, or neglect
- Damage caused by lightning strikes, power failure, or power surges
- Damage caused by remodeling or unauthorized repair
- Electric devices
- Flues, venting, chimneys, and exhaust lines
- Items covered under other insurances, warranties, or guarantees
- Problems caused by mold or mildew
- Removal of hazardous materials
- Routine maintenance
- Structural or property damage
Cinch Home Services offers some of the most affordable home warranty pricing, with plans starting at just $30.99 monthly — much lower than competitors typically charging $50 to $60. However, Cinch charges higher service fees of $100 to $150 when sending technicians for repairs. This is higher than the $75 average in the industry. Cinch also has a $25 cancellation fee after only 30 days, which seems to benefit the company over customers. Just be mindful that it is budget-friendly up front, but your total costs may exceed competitors once you factor in service calls and cancellations.
CHS gets a decent 7.8/10 rating as my experience getting a quote from Cinch Home Services had pros and cons. On the plus side, Cinch’s website lets you easily estimate pricing by entering your ZIP code, enabling transparent self-service. Cinch also provides a 180-day workmanship guarantee — much longer than the standard 60 days. These positives show a focus on the customer. However, after requesting a quote, I received too many calls and emails from Cinch representatives in a short time (around six in two days). This high-pressure sales approach is frustrating compared to competitors who respect your time and boundaries.
Cinch Home Services’ 45 years of experience makes it one of the most long-standing home warranty companies. This extensive history gives me confidence in Cinch’s reputation. Additionally, Cinch has no lawsuits or violations against it — a rarity in this industry.
However, Cinch has many negative reviews from employees and customers despite its longevity. Its 2.5-star Google rating, 3.7–star Trustpilot rating, and 3.6 Glassdoor score are a little concerning to me. However, this is a little better than the industry as a whole. But, for a company with 45 years in business, I just expected them to be better. Longevity and ethics should translate to first-rate service and satisfaction.
| Rating Site | Rating | Number of Reviews |
| BBB | B+ | Customer Reviews are not used in the calculation of BBB Rating |
| Trustpilot | 3.7 | 3,038 |
| 2.5 | 4,012 |
Editor’s Note: The ratings provided were accurate at the time of publication.
Cinch Home Services offers two ways to file a claim — online or by phone. Its 24/7/365 hotline ensures help is always available for emergencies. If you submit a claim during business hours, Cinch typically responds within two hours — a rapid turnaround. Even outside business hours, you’ll hear back within 24 hours. This around-the-clock availability is important in instances when your furnace stops working in the dead of the Ohio winter.
However, Cinch has an abundance of reported issues from customers concerning backend support. Many feel the company failed to cover repairs that should have been included. However, after reading many reviews, it seems these issues stem from homeowners not understanding the contract.
Cinch Home Services is available in 47 U.S. states, including Ohio. With its nearly nationwide availability, you can rest assured that this provider has the connections, staff, and contractors to swiftly fix issues that arise in your home.
Calculate the Cost of Ohio Home Warranty
To estimate your yearly cost for a home warranty in Ohio, use our calculator tool below. Just input the monthly premium charged by the provider, the service call fee, and how many service appointments you expect to need annually. The calculator will then output the estimated total annual cost for that warranty plan. Knowing the potential yearly cost can help you budget for a home warranty and compare plans.
| 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 |
Ohio Home Warranty Regulations
Ohio law states that home warranties are generally not considered insurance. Insurance provisions don’t govern the sale of home warranties —instead, they fall under the state’s Consumer Sales Practices Act. This regulates home warranty companies to prevent unfair or deceptive tactics.
However, oversight is still limited compared to insurance products. Ohio’s Department of Insurance does allow homeowners with warranties to file official complaints if issues arise. Home warranty providers also self-regulate through industry associations like the National Home Service Contract Association and the Service Contract Industry Council. These organizations aim to protect consumers and list compliant companies as members. So while not held to all insurance standards, some consumer protections still apply to home warranties in Ohio.
Ohio Home Warranty News
The Better Business Bureau of Central Ohio recently warned Ohio residents of deceptive advertising practices from a provider named Home Warranty Direct. This company is known to send misleading letters to homeowners, warning them that they will lose their home warranty protection if they don’t act right away. These letters look somewhat legitimate as they often include the homeowner’s mortgage lender in the document.
However, these letters are just a deceptive marketing tactic, trying to frighten Ohio homeowners into purchasing the product. I recommend throwing these letters in your recycling, along with your other junk mail. Home Warranty Direct currently has an F rating with the BBB and is not affiliated with any of the home warranty providers I recommended on this list.
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.
FAQs About Ohio Home Warranties
With Ohio’s unpredictable weather and aging housing stock, a home warranty can provide valuable protection against expensive HVAC, plumbing, and appliance breakdowns.
According to our research and secret shopping, the average cost of a home warranty in Ohio is $480–$840 per year. Read our guide on the average cost of home warranties to learn more.
I recommend you compare various providers’ rates, fees, and coverage to find the best value plans for Ohio homes. Opting for higher deductibles and limiting claims can also reduce costs. For coupons, discounts, etc., get a quote online and call in. Some providers will often provide different discounts online and by phone.
A home warranty is worth it for Ohio homeowners because it protects against sudden system and appliance failures that are common in both cold winters and hot summers. Read here to learn more considerations on if a home warranty is worth it for you.
