Whether you’re a family outnumbered by kids or empty-nesters on permanent vacation, a swimming pool can be an attractive amenity for all types of homeowners. Securing a home warranty with pool coverage can help cover the cost to repair or replace electrical systems, filtration, and other mechanical pool components prone to normal wear and tear over time.
We researched over 50 home warranty companies and found that Choice Home Warranty is the top provider for pools as well as a variety of other things. Read about Choice and other top providers that can help keep your pool open all season.
We’ve pinpointed the best home warranty providers nationwide, specifically honing in on the breadth of their in-ground pool and spa coverage. Read on to learn more about what a pool warranty covers, how much it’ll cost, and which carrier might be suitable for you.
The Best Home Warranty Companies for Pool Coverage in 2023
Most home warranty companies don’t offer pool warranties in their standard service contracts but rather as an optional add-on.
The highest-rated home warranty companies for pool coverage include:
Compare the Best Home Warranty Companies
The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you 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.
Choice Home Warranty
Since 2008, Choice Home Warranty (CHW) has been helping homeowners secure affordable fixes for a wide range of home systems and essential appliances. This home warranty company, like most others, offers pool coverage as an add-on to its standard service contract. CHW’s pool warranty rider costs $180 per year, with a coverage cap of $500. CHW’s trade call fees are a fixed $85, which is lower than some competing home warranty companies that charge up to $150 to dispatch technicians.
Your policy with Choice Home Warranty will become active 30 days after you’ve been approved for coverage by the company. Every policy period is 12 months long, with the option to renew at the start of each calendar year. Swimming pool and spa coverage is only $15 per month but only covers up to $500 annually.
- Policyholders can file a claim at any time — seven days a week, 24 hours a day, 365 days a year.
- If an in-network technician provides inadequate maintenance for an approved claim, CHW will make any necessary repairs for free, with no additional trade call or labor fees.
- CHW’s plans are available in every state except WA.
Choice Home Warranty offers two incremental plan levels for homeowners based on their budget and coverage objectives. Elective plan add-ons, like pool coverage, can be purchased on an à la carte basis.
Here’s how Choice Home Warranty’s standard and bonus coverage unfolds:
- The Basic Plan ($45 per month / $560 per year): Covers ceiling fans, cooktop exhaust, dishwashers, garbage disposals, ductwork, electrical, heating systems, ovens, stoves, built-in microwaves, plumbing systems and stoppages, whirlpool bathtubs, hot water heaters, and toilets
- The Total Plan ($53.33 per month / $660 per year): Covers all of the above plus air conditioning systems, clothes washers, and dryers
- Optional Add-Ons ($40-$180 per year): Offers coverage for pool/spa, well pumps, sump pumps, central vacuums, limited roof leaks, septic systems, septic tank pumping, second refrigerators, and stand-alone freezers.
- Pool/Spa ($180 per year): Includes heating, pumping, and filtration systems, pool sweep motors, blower motor and timers, plumbing pipes, and wiring
- Service Fee: $85
Liberty Home Guard
Liberty Home Guard (LHG) offers robust home warranty coverage at cost-effective rates and doesn’t base enrollment eligibility on a preliminary home inspection or the property’s age. This provider also has partnership policies available for real estate professionals and technicians.
Like its competitors, Liberty Home Guard showcases optional coverage for chlorine pools, in-ground spas, and saltwater pools as items available for purchase alongside a standard LHG home warranty. Pool-related repairs are capped at $250 for the first 90 days of coverage but increase to $500 after your first three months.
- New customers will receive $200 off, two free bonus months of coverage, and free roof leak protection.
- LHG doesn’t enforce binding contracts, meaning you’re free to cancel at any time.
- Offers a 60-day workmanship warranty to rectify and address any faulty repair services.
- Liberty Home Guard’s three plan variations are available in 48 states and Washington, D.C., excluding WA and WI.
- Appliance Guard ($70 per month/$700 per year): Covers 11 appliances including, microwaves, refrigerators, ice makers, clothes washers/dryers, garbage disposals, and more
- Systems Guard ($74.99 per month/$750 per year): Covers 9 systems including, plumbing, heating, air conditioning, water heaters, electrical, toilets, bath exhaust fans, ceiling fans, and ductwork.
- Total Home Guard ($79.99 per month/$799.99 per year): Combination of the 20 appliances and systems in both plans mentioned above.
- Optional Add-Ons ($49.99 – $299.99 per year): Offers coverage for pool/spa, septic system pumping, well pumps, sump pumps, central vacuums, stand-alone freezers, second refrigerators, limited roof leaks, water softener, and re-keying.
- Pool/Spa: Covers heating/pumping components, filtration systems, above-ground plumbing, and wiring
- Service Fee: $75
Select Home Warranty
Select Home Warranty (SHW) has gained an impressive following as a leading home warranty provider, specifically for its seasonal promotions and generous rotation of discounts. A pool warranty can be added to any of SHW’s three plan options — the Bronze, Gold, and Platinum Care Plans. All of its policies instate a 30-day waiting period for new customers before their coverage is accessible.
- SHW offers an unlimited number of covered repairs (though it has coverage caps on cost — for example, pool coverage generally maxes out at $400 per year).
- New policyholders receive their first two months free when they opt to pay annually rather than monthly.
- Free roof coverage ($99 value) with any plan level.
- Select Home Warranty doesn’t offer coverage in WA, WY, NM, or NV.
- The Bronze Care Plan ($58 per month / $630 per year): Covers 8 appliances, including a clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave, and dishwasher
- The Gold Care Plan ($57.67 per month / $630 per year): Covers 6 systems, including an air conditioner/heating system, plumbing system, electrical system, water heater, and ductwork
- The Platinum Care Plan ($62.08 per month / $699.99 per year): Covers all 14 appliances and systems above, as well as plumbing stoppages, garage door openers, and ceiling fans
- Optional Add-Ons ($39.99- $99.95 per year): Offers coverage for in-ground pool/spa, septic systems, sprinkler systems, well/sump pumps, central vacuums, second refrigerators, stand-alone freezers, and ice makers.
- Pool/Spa ($91.95 per year): Covers pumping systems, heating systems, and filtration systems
- Service Fee: $75 to $125 (varies by state)
American Home Shield
Often celebrated as the founder of the home warranty industry, American Home Shield (AHS) boasts a 50-year tenure in the field and a customer base of over 1.8 million. Pool and spa coverage can be tacked onto any AHS home warranty plan level and covers up to $3,000 in related costs per contract term.
American Home Shield has contractual agreements that are a minimum of one year long, with a 30-day waiting period after registration and the option to renew your home warranty coverage at the start of each year. None of its home warranty plan options require a home inspection before sign-up.
- AHS offers competitively low-priced pool coverage at just $21.25 per year on top of your selection of a standard home warranty.
- Offers several stackable savings opportunities, including a $25 Amazon gift card through the Refer-A-Friend program, multi-property warranty discounts, up to 50% off retail prices on air filters, marked down brand-name appliances, and more.
- Customers can choose between a $75, $100, or $125 service call fee, but a lower service fee results in a higher monthly premium and vice versa.
The amount you’ll pay for coverage through American Home Shield will depend on the plan level and the service call fee you select.
- ShieldSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): Covers 19 systems, including HVAC, attic fans, home security alarms, bath exhaust fans, and more.
- ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): Covers 23 systems and appliances, including trash compactors, doorbells, re-keying, water dispensers, and more
- ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): Combo plan covers 27 systems and appliances, including roof leaks.
- Optional Add-Ons: Offers coverage for pool/spa, septic pumps, well pumps, roof leaks, and guest house repairs
- Pool/Spa: Covers pool sweep/motor pumps, pump motors, blower motors and timers, plumbing pipes, electrical components, and wiring
- Service Fee: $75, $100, or $125
First American Home Warranty
Serving among the top home warranty companies across the United States since 1984, First American Home Warranty (FAHW) is well-versed in providing comprehensive coverage for essential home systems, major appliances, and a few elective add-ons.
FAHW splits its coverage into an appliance plan and an appliance plus systems plan — with six additional coverage items, like pool and spa protection. This company doesn’t have coverage limits for any chlorine pool repairs but caps services for saltwater pools to $1,500 per policy period.
- Covers pest control for common household critters like cockroaches, mice, spiders, ants, etc.
- Charges a flat-rate service call fee of $85 that doesn’t change based on location.
- Offers some of the lowest-price home warranties in the industry, with standard plans that never exceed $50 per month.
- Basic Plan ($38 per month / $420 per year): Covers 12 appliances, including refrigerators, cooktop exhaust, stove, oven, dishwasher, garbage disposal, etc.
- Premier Plan ($48.50 per month / $546 per year): Covers 21 appliances and systems, including ductwork, electrical, trash compactor, central vacuum fan, HVAC, and more
- Optional Add-Ons: Offers coverage for pool/spa, air conditioning, septic tanks, septic pumping, well pumps, building permits, improper installations, and modifications, recapture and removal of pre-existing appliances
- Pool/Spa: Covers filters, pumps, timers, valves, circuit board, heating units, pump motors, saltwater cell, pool sweep motors and pumps, above-ground plumbing, and electrical
- Service Fee: $75
What is a Home Warranty For Pools?
Pool warranty insurance through home warranty coverage isn’t usually itemized as a standard inclusion in your contract but can be included for an extra fee.
Investing in a home warranty with pool coverage is an especially smart move for new home buyers purchasing a property with a pool already installed. A previously owned pool can come with many unknowns, but the right home warranty plan covers costs to address pre-existing conditions or any other malfunctions with the pool that were present when you moved in.
Home warranties also provide an added layer of home protection for things homeowners insurance won’t cover. For example, a home insurance policy might cover you for pool repairs due to structural damage caused by a storm. Still, it won’t cover servicing costs for a motor or filtration system that sputters out after a few years. That’s where a home warranty comes in.
Is a Pool Warranty for Everybody?
If you’re on the hunt for the cheapest home warranty on the market, keep in mind that adding pool coverage to your plan will drive up your total costs. However, a pool warranty can be an especially lucrative investment if:
- You have a fiberglass or concrete pool
- You have a pool with a heater or expensive pool vacuum (often covered by a home warranty)
- You want common repairs to be taken care of regularly, and by a home warranty company you can trust
But pool warranties aren’t for all pool owners, so it’s wise to carefully assess your situation before signing up. One anomaly worth mentioning is that most home warranty companies only offer coverage for in-ground pools and spas and seldom cover above-ground or portable set-ups.
Also, homeowners who recently installed a new pool may not need pool coverage right away if they already have initial pool protection through other warranty types — namely equipment, manufacturer’s, and workmanship warranties. These are temporary protection plans unrelated to home warranties and only last between one and three years.
Pool coverage can usually be added to an existing home warranty plan later on. You can still cover the rest of your home appliances and systems without paying for a duplicate pool policy during your first few years of pool ownership.
What Does a Pool Warranty Cover?
Specific inclusions and exclusions will vary by home warranty provider, though most pool and spa policy add-ons will cover policyholders for:
- Pumping and filtration components
- Heating components
- Pool-sweep motors
Common Complaints and Concerns with Pool Warranties
Pool warranties are designed to provide homeowners with peace of mind, but they can also have drawbacks. Some of the common complaints against pool warranties include:
- Not enough coverage—While pool warranties provide some structural coverage, pool owners will most likely need repairs for filters and pumps on an ongoing basis.
- Coverage lasts for only a few years—For many pool and equipment warranties, coverage typically lasts for a short time, leaving you to pay the bill once the contract is up.
- Claim denial or repair delay—This is a prevalent concern for many pool owners, with complaints about contractor professionalism and lack of coverage being two of the top issues.
Suppose you’re not sure you want to settle for one of the previously mentioned pool coverage plans. In that case, you can have your pool protected
How Much Does a Home Warranty with Pool Coverage Cost?
In tandem with the average price of a standard home warranty — about $30 to $60 a month, or $360 to $720 per year — pool coverage can add approximately $20 to $200 per year to your total home warranty cost.
Without a home warranty, you can expect a high price tag for repairs, with filter and pump breaks costing anywhere between $150-$500+ and heater repair costing from $400-$1,200 in certain cases. The older the part, the more expensive a repair will be as age affects the complexity of tune-ups.
A Pool Expert’s Take on Pool Repair Costs
TodaysHomeowner consulted Robert Flynn of New Jersey Pool Repair, LLC on the true costs of owning a home with an in-ground swimming pool or spa. “The most common pool repair issue we see across the clients we serve are pool heater malfunctions, which cost roughly $6,000 upfront to replace,” Flynn says. “With heaters or any other primary pool components approaching ten years old, expect to pay anywhere from $1,500 to $1,600 per repair. Homeowners with older pools need to be extremely proactive about regular maintenance, and should financially prepare for standard parts to fail between the seven and ten-year mark.”
What to Expect with a Pool Warranty?
Because pool systems can be complex on a case-by-case basis, coverage may vary depending on your home warranty provider and your pool’s components.
Filing a Home Warranty Claim
Once your pool is backed by home warranty coverage, if you ever experience a pool maintenance problem, your first step is to call your provider to report the issue and request service. Most home warranty providers offer round-the-clock claims assistance, but it can still sometimes take up to 48 hours for your claim to be filed, verified, and approved.
The Preliminary Service Visit
As soon as your claim is approved, your provider will dispatch a pre-screened, qualified service technician to diagnose the issue and determine the scope of maintenance needed or if any major systems or components need replacement.
Be prepared to pay the service fee amount upfront as disclosed in your contract as well as for any repair expenses that your provider doesn’t explicitly cover.
Making the Repair or Replacement
After that initial diagnostic visit, your home warranty provider will take care of scheduling the actual service appointment for you through one of its in-network technicians. This way you won’t have to deal with the hassle of finding a contractor on your own and will only pay a small deductible versus paying for new parts, labor costs, or repair fees in full.
Final Thoughts – Is a Pool Warranty Worth It?
Our research team at House Method believes that buying a pool warranty is well worth the price, especially if you live in a hot state like Florida or California where your pool might get multi-seasonal use.
In order to decide which home warranty company would be best for you, we recommend researching at least three providers and comparing their coverage caps, plan costs, inclusions and exclusions, and add-on coverage options.
A standard home warranty with pool protection will offer catch-all coverage for every main feature of your home. But, if you’re just looking for a pool warranty without the securities for your other home services, consider looking into a product extended warranty.
Today’s Homeowner Home Warranty Ranking Methodology
At Today’s Homeowner, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
- Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
- Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
- Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
- Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
- Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
- Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
- Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.