The Best Home Warranties for HVAC 2021

If you’re worried about the costs associated with replacing or repairing your HVAC system, read our review on the best home warranties for HVAC protection. | Photo Credit: Adobe Stock

Your HVAC system is crucial to keeping your home comfortable, warming the inside during colder months and cooling it off during the warmer ones. When something goes wrong with your system, your home can become uncomfortable and repairs or replacements can become costly.

While your homeowners insurance covers your system in the event of a natural disaster or other catastrophe, breakdowns due to normal wear and tear aren’t covered. However, a home warranty plan from a quality provider can cover these costly repairs and add protection to other major systems and appliances throughout your home.

Read on to learn more about the best home warranty options for HVAC coverage. We detail price information, coverage details, availability and more. To compare coverages, we received quotes for a three-bedroom home in Atlanta.

In This Article: 

1. Best Overall: American Home Shield

2. Best for Aging Homes: Choice Home Warranty

3. Most Customizable Plan Options: AFC Home Club

4. Best for Value Shoppers: Select Home Warranty

5. Most Comprehensive Claim Coverage: First American Home Warranty

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

ProviderAverage Monthly CostService FeeBetter Business Bureau (BBB) RatingLearn More
American Home Shield$30–$55$75–$125Bahs.com
Choice Home Warranty$41–$50$60–$85Bchoicehomewarranty.com
Cinch Home Services$35–$62$100–$150A-cinchhomeservices.com
Select Home Warranty$36–$38$60–$75Bselecthomewarranty.com
Liberty Home Guard$40–$60$60A+libertyhomeguard.com
America’s First Choice Home Club$40–$53$75–$125Bafchomeclub.com
2-10 Home Buyers Warranty$22–$60$65–$100B+2-10.com
First American Home Warranty$36–$38$75Bhomewarranty.firstam.com
Total Home Protection$29–$35$75N/Atotalhomeprotection.com

#1 Best Overall: American Home Shield

Offering coverage to homeowners across the continental United States and Hawaii, American Home Shield (AHS) is an experienced provider offering three comprehensive plans. Additionally, the home warranty provider doesn’t require maintenance records to confirm the condition of your systems and appliances and offers generous coverage caps that keep you protected.

American Home Shield has been in business for over 50 years and offers plans that give homeowners the choice of protecting major systems or a combination of systems and appliances. Furthermore, the provider allows its customers to file claims online and even gives them convenient status updates for tracking their claim.

 

American Home Shield HVAC Coverage

American Home Shield doesn’t cap air conditioner coverage at a certain amount and covers ducted central air conditioners, wall units and mini-splits as well as plenums, dampers and leaks or breaks in ductwork. The provider will also cover $10 per pound per occurrence for refrigerants.

The provider does have a coverage limit on heating systems and ductwork, covering $1,500 per covered item. American Home Shield also covers damage from rust, corrosion and sediment, protection many providers don’t offer.

Plan & Cost Breakdown 

American Home Shield offers three different plan options: ShieldSilver, ShieldGold and ShieldPlatinum. Below is a breakdown of each plan and its cost.

CoverageShieldSilverShieldGoldShieldPlatinum
Monthly Cost$39.83$49.83$69.83
Roof-leak repairs  
Air conditioners
Heating units
Ductwork
Built-in exhaust, vent, and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heaters
Refrigerators 
Ranges/Cooktop 
Ovens 
Dishwasher 
Built-in microwave 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

American Home Shield also offers a handful of coverage add-ons, listed below: 

  • Electronics protection plan
  • Pool or spa
  • Guest unit under 750 square feet
  • Septic pump
  • Well pump

The pricing of your AHS home warranty will vary based on a variety of factors, such as the plan you select and your location. The prices listed above are based on a $100 service fee, though the provider also offers plans with a $75 or $125 service, with a higher service fee resulting in a lower monthly payment and a lower service fee resulting in a higher monthly payment.

For more information about American Home Shield, our top choice for a home warranty, fill out this simple form or call 888-878-4576.


#2 Best for Aging Homes: Choice Home Warranty

Unlike many home warranty providers, Choice Home Warranty doesn’t deny coverage based on the age of your systems or appliances. The home warranty company has served homeowners in 48 states for over 10 years and offers comprehensive coverage at an affordable rate.

Choice Home Warranty HVAC Coverage

Choice Home Warranty is a top choice for HVAC protection as its coverage caps are generous, offering a $3,000 limit on both heating and cooling. Additionally, the provider offers plans with coverage on heating, ductwork and air conditioning.

While Choice Home Warranty has generous HVAC coverage, it doesn’t cover underground piping, well pumps, geothermal or water source window units, water towers, chillers, water lines, portable units, chimneys and wood stoves.

Plan & Cost Breakdown 

Select Home Warranty offers two different plan options: Total Plan and Basic Plan. Take a look at what each plan covers and their monthly costs below:

CoverageBasic PlanTotal Plan
Monthly Cost$46.83$54.75
Air conditioning system 
Heating system
Electrical system
Plumbing system
Plumbing stoppages
Water heater
Whirlpool bathtub
Refrigerator 
Oven/Range/Stove
Cooktop
Dishwasher
Built-in microwave
Garbage disposal
Clothes washer 
Clothes dryer 
Ductwork
Garage door opener
Ceiling and exhaust fans

Choice Home Warranty also offers a selection of additional coverage options, listed below: 

  • Pool and spa
  • Limited roof-leak coverage
  • Additional spa
  • Stand-alone freezer
  • Central vacuum
  • Second refrigerator
  • Well pump
  • Septic system
  • Sump pump
  • Septic tank plumbing

While most homeowners pay month-to-month, Choice Home Warranty gives its customers the choice of paying for their plan with a one-time payment equal to the length of the service contract. No matter which plan you select, you’ll be responsible for a service call fee when a claim is filed, which typically ranges between $60 and $85.

To look at details of both Choice Home Warranty plans, visit the company’s website or call 929-400-6165.


#3 Most Customizable Plan Options: America’s 1st Choice Home Club

America’s 1st Choice Home Club provides comprehensive and customizable home warranty plans to customers throughout all 50 states. This unique provider offers responsive, 24/7 customer service and has unique benefits like free credit monitoring, identity protection alerts and emergency alert network services.

America’s 1st Choice Home Club HVAC Coverage

America’s 1st Choice Home Club covers up to two air conditioning units and two heating systems or built-in wall units with a five-ton capacity. Additionally, the provider covers some components of your ductwork. America’s 1st Choice Home Club doesn’t cover some HVAC systems, including gas air conditioning and window units.

Plan & Cost Breakdown 

America’s 1st Choice Home Club offers four different plan options: Platinum, Gold, Silver and Systems. Learn more about each plan below:

CoverageSystems PlanSilver PlanGold PlanPlatinum Plan
Monthly Cost$38.25–$42.75$31.50–$36.00$45.00–$49.50$49.50–$54.00
Air conditioning/cooler 
Heating systems 
Water heater 
Electrical system 
Plumbing system 
Plumbing stoppages   
Ductwork 
Clothes dryer 
Clothes washer 
Kitchen refrigerator 
Oven 
Range 
Stove/Cooktop 
Dishwasher 
Garbage disposal 
Garage-door opener 
Built-in microwave   
Ice maker   

America’s 1st Choice Home Club also offers a handful of additional coverage options, listed below: 

  • Tankless water heater
  • In-ground pool
  • Stand-alone freezer
  • Sump pump
  • Double oven
  • Central vacuum
  • Ice maker
  • Hot water disposal
  • Septic system
  • Well pump
  • Built-in microwave

The cost of your home warranty varies depending on your location and selected plan. Like some home warranty providers, America’s 1st Choice Home Warranty allows customers to pay in one yearly lump sum, helping them save up to 8% over monthly payments.

Additionally, America’s 1st Choice Home Warranty lets customers select their service fee, with a higher service fee decreasing the monthly cost and a lower service fee increasing the monthly cost.

For example, here’s the cost of a Platinum Plan based on the service fee selected:

Service feeMonthly cost
$75$72.50
$100$69.50
$125$66.50

To get a free quote from America’s 1st Choice Home Warranty, fill out this quick form or call 877-755-1115.


#4 Best for Value Shoppers: Select Home Warranty

Select Home Warranty is known for its affordable plans and low $75 service fee. Founded in 2012, this newcomer has quickly established itself as a leader in the home warranty industry with availability across the continental United States and Hawaii. While it doesn’t offer the most comprehensive plans, Select Home Warranty covers the basics.

Select Home Warranty HVAC Coverage

Select Home Warranty covers traditional heating systems, central air conditioners under five tons and ductwork, although the provider caps coverage at $2,000 per contract term. Like many home warranty providers, Select Home Warranty has a few lapses in coverage. It doesn’t protect wall, window and portable AC units as well as geothermal heating systems, refrigerant recapture and solar heating systems.

Plan & Cost Breakdown 

Select Home Warranty offers three different plan options: Bronze Care, Gold Care and Platinum Care. Take a look at the details of each plan below:

CoverageBronze CareGold CarePlatinum Care
Monthly Cost$44.42$44.42$49.83
Air conditioning and cooling 
Heating system 
Plumbing system 
Electrical system 
Water heater 
Ductwork 
Plumbing stoppages  
Clothes washer 
Garbage disposal 
Refrigerator 
Stove/Oven 
Built-in microwave oven 
Cooktop 
Dishwasher 
Clothes dryer 
Garage door opener  
Ceiling fan  

Select Home Warranty also offers a handful of additional coverage options, listed below: 

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Roof-leak coverage
  • Septic system
  • Spa
  • Stand-alone freezer
  • Sump pump
  • Well pump

Select Home Warranty also gives potential customers the option of paying for coverage annually, which saves them money when compared to month-to-month payments. Additionally, it’s important to note that your home warranty quote will vary depending on your location and additional options selected.

To get a free quote from Select Home Warranty, fill out this simple quote or call a representative at 888-370-3956.


#5 Most Comprehensive Claim Coverage: First American Home Warranty

First American Home Warranty is known for its straightforward and affordable plans. The provider services 35 states across the country and protects your HVAC with one of the most comprehensive coverages in the industry. Additionally, First American Home Warranty offers its unique First Class Upgrade, which covers improperly installed or maintained items, permit fees and other areas of your home.

First American Home Warranty HVAC Coverage

First American Home Warranty doesn’t cap heating and cooling system coverage at a certain amount, unlike other providers in the industry. This means that the company will cover repairs no matter the price. Additionally, First American covers refrigerant recapture, reclaim and disposal through its optional First Class Upgrade. It’s important to note that while First American Home Warranty offers generous heating and cooling coverage, air conditioning coverage is only available as an additional add-on.

Plan & Cost Breakdown 

First American Home Warranty offers two different plan options: Basic Plan and Premier Plan. Take a look at the details of each plan below:

CoverageBasic PlanPremier Plan
Monthly Cost$36$46.50
Garbage disposal
Dishwasher
Oven/Range
Cooktop
Microwave
Trash compactor
Refrigerator
Clothes washer and dryer
Plumbing system
Plumbing stoppages 
Water heater 
Heating system 
Ductwork 
Electrical system 
Garage door opener 
Central vacuum system 

First American Home Warranty also offers a handful of additional coverage options, listed below: 

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool and spa equipment
  • Well pump
  • First class upgrade
  • Septic tank pumping system
  • HVAC tune-up

Unlike many home warranty providers that allow customers to select their service fee, First American Home Warranty sets its fee at $85. Additionally, it’s important to point out that your home warranty coverage will vary based on the additional coverage you select and your location.

If you’re interested in checking out a home warranty from First American, visit the company’s website or call a customer service representative at 833-777-0049.


Final Thoughts

If you’re looking for comprehensive home warranty coverage for your HVAC systems, American Home Shield is one of the best options. The provider doesn’t cap air conditioner coverage at a certain amount, and it protects a variety of units like ducted central air conditioners and mini-splits. Additionally, the company has a generous $1,500 cap per item on heating systems and ductwork.

For customers looking for more affordable coverage, First American Home Home Warranty is a solid option. Although the provider requires an add-on to receive air conditioning coverage, it doesn’t cap heating and cooling system coverage at a certain amount, unlike other providers in the industry.

Even if you believe you have the right home warranty provider in mind, it’s important to get multiple quotes from a variety of providers to compare costs and coverages.


What Is a Home Warranty?

A home warranty protects you from paying out of pocket to repair or replace damaged appliances or systems in your home. This coverage is different from homeowners insurance, which covers losses in the home due to unexpected disasters. Purchasing a home warranty plan helps give you peace of mind that your important appliances and systems are covered, even if they break down due to normal wear and tear.

Most home warranty policies are contracted for a year and paid month by month. When there’s an issue with an appliance or system in your home, you’ll be charged a service fee for each technician visit. Most providers offer unlimited visits, though some cap coverage at a certain amount.


What’s Covered by a Home Warranty?

Every home warranty provider offers varying levels of coverage through their plan options. However, here are some common items covered under most provider plans:

  • Air conditioning 
  • Heating system
  • Electrical system
  • Plumbing system
  • Water heater
  • Refrigerator
  • Oven/rRange/sStove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Clothes washer
  • Clothes dryer
  • Garage door opener

Do Home Warranties Cover Old HVAC Systems?

It depends. While most home warranty providers don’t cover an HVAC system with a pre-existing condition, some of the more expensive and comprehensive plans do. Be sure to read a sample contract before signing up with a provider to understand the parameters of their HVAC coverage.


How Much Does a Home Warranty Cost?

The cost of your home warranty plan depends on a variety of factors, including your selected coverage, location, service fee and additional add-ons. Other factors such as your home’s size, age and type can also affect cost. Most plans have an annual cost between $400 and $800.


Are Home Warranties Worth the Cost?

Having a home warranty plan saves you time and money if a home appliance or system breaks down due to normal wear and tear. This is especially helpful for individuals who don’t have an emergency fund, as these repairs and replacements can be very costly. Additionally, having a home warranty helps give you peace of mind that a vetted professional will come out to resolve your issue.


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.

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