For the best home warranty in Idaho, check out our list of the top four providers offering protection plans in the Gem State to compare coverage and cost. | Photo Credit: Adobe Stock

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.

What do you do if a major system or appliance in your home is no longer under a manufacturer’s warranty and breaks down due to normal wear and tear? If you have a home warranty, you simply file a service request with your provider, and they’ll send a contractor to diagnose and repair the problem for a service fee. If the problem falls under your warranty terms, the company will pay for the cost of the repair or replacement.

Homeowners across the Gem State have a number of choices when it comes to home warranty companies, so we’re here to provide some guidance. After researching each provider’s cost, coverage, and reputation, we’ve identified the four best home warranties in Idaho.

In this article:


Best Overall: American Home Shield

Quick Take

American Home Shield, a nationwide home warranty provider with over 50 years in business, earns first place on our list thanks to its highly comprehensive coverage plans. 

Each of its service contracts comes with protection not just against wear-and-tear damage but also damage resulting from improper repair or maintenance. Most home warranty companies exclude damage from rust, sediment, and corrosion damage, but American Home Shield also covers these conditions.

Pros and Cons

Covers types of damage other providers don’t, such as rust and corrosion damage

Has been in business since 1971, creating a solid reputation in the home warranty industry

Provides generous coverage caps

Offers a costlier premium plan than any providers on this list

Does not offer coverage available for standalone freezers

Plans and Coverage

American Home Shield offers three plans: a systems plan and two combo plans:

  • ShieldSilver: This plan covers your most important home systems like electricity, plumbing, heating and cooling. 
  • ShieldGold: AHS’s next plan covers the systems above plus major appliances like refrigerators, dishwashers, and clothes dryers. 
  • ShieldPlatinum: The final plan covers all of the items above plus extras such as A/C refrigerant, code upgrades and HVAC tune-ups.

You can also purchase additional coverage for items outside and around the home with any of these plans. This includes optional coverage for pools/spas, septic pumps, well pumps and guest units of up to 750 sq. ft.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof-leak repairs  
Air conditioner
Heating unit
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 heater
Refrigerator 
Range/Cooktop 
Oven 
Dishwasher 
Built-in microwave 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Cost

Every home warranty plan requires you to pay a premium for every month or year of your contract. This price is the same no matter how often you file a claim. However, you’ll also have to pay a deductible, also called a service call fee, every time a contractor visits your home to diagnose or repair a problem. 

American Home Shield allows you to customize this fee with regard to your monthly premium. If you pay a lower deductible, you’ll pay a higher premium and vice versa. 

Thus, the amount you pay every month will depend on how comprehensive your American Home Shield plan is and the service fee you choose. Here are the prices we received when secret shopping for an average single-family home of about 2,000 sq. ft. in Boise, ID.

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$39.99$29.99$24.99
ShieldGold$49.99$39.99$34.99
ShieldPlatinum$69.99$59.99$54.99

Get a Free Quote

To find out how much an American Home Shield plan will cost you, call 844-529-9298 or fill out this quick online form.


Best for Aging Homes: Choice Home Warranty

Quick Take

Our second pick, Choice Home Warranty, provides superior customer service with a workmanship guarantee that’s three times longer than the industry average. Any time a Choice Home Warranty service provider makes a covered repair, it’s guaranteed for 90 days, or the company will send another technician free of charge. This makes it an especially good choice for those with older houses that also contain aging home appliances and systems.

Pros and Cons

Provides one month free with annual payment

Has a 90-day guarantee on home repairs

Offers affordable premium prices

Has only two plan options

Grants limited customization options

Plans and Coverage

Unlike companies that provide separate plans for systems and appliances, Choice Home Warranty offers a Basic Plan that covers both. However, it omits a few big-ticket items like refrigerators, washers and dryers. For those, you’ll need the Total Plan, which covers all major systems and appliances.

To either plan, you can add coverage for pools, spas, roof leaks, stand-alone freezers, central vacuums, well pumps, septic systems, sump pumps, and septic tank pumping to either plan. You can also purchase coverage for additional refrigerators and spas if you have more than one.

CoverageBasic PlanTotal Plan
Heating system
Electrical system
Plumbing system
Plumbing stoppages
Air conditioning 
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

Cost

Choice Home Warranty’s plans come with an $85 service fee. Note that you can save some money in the long run by paying annually, which will also gain you a total of 13 months of coverage.

PlanMonthly CostAnnual Cost
Basic Plan$46.83$532
Total Plan$54.75$627

Get a Free Quote

Call Choice Home Warranty at 929-400-6165 or fill out this easy form to get a free quote.


Best Most Customizable Plan Options: America’s First Choice Home Club

Quick Take

If you haven’t yet seen a plan that takes your specific needs into account, try customizing your warranty with America’s First Choice (AFC) Home Club’s many options. You’ll have your choice of four plans, three service fees and a number of additional coverage options. You can choose between paying month-to-month or signing a contract for one or more years. Note that repairs are guaranteed for the length of the contract, which could be up to three years.

Pros and Cons

Keeps prices intact for as long as you renew your contract

Lets you choose your own service contractors with prior authorization

Doesn’t require contract for month-to-month payment

Doesn’t cover microwaves and plumbing stoppages outside of premium plan

Has a $75 cancellation fee

Plans and Coverage

You’ll receive the most basic coverage with AFC Home Club’s Systems Plan, which covers only home systems, or the Silver Plan, which only covers appliances. The Gold Plan covers both plus ductwork, and the Platinum Plan adds on coverage for plumbing stoppages, microwaves, ice makers and faucets.

Add-on options include a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, hot water dispenser, septic system, or well pump with this home warranty company. If you choose the Systems, Silver or Gold Plans, you can also add an ice maker or microwave coverage.

 Systems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning 
Heating 
Water heater 
Electrical system 
Plumbing system 
Ductwork  
Clothes dryer 
Clothes washer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage door opener 
Built-in microwave   
Ice maker   
Plumbing stoppages   
Faucets   

Cost

With AFC Home Club home warranty coverage, you can choose from a service call fee of $75, $100 or $125. If you anticipate needing to request service frequently, it might be a good idea to choose a lower service fee with a higher monthly or yearly premium. Here are the premium costs for a plan with a $100 service fee in Boise.

PlanMonthly CostAnnual Cost
System Plan$50.67$540
Silver Plan$42.17$439
Gold Plan$59.08$641
Platinum Plan$64.67$709

Get a Free Quote

Enter your contact information in this easy form or call 877-755-1115 to get a free quote from AFC Home Club.


Best for Value Shoppers: Select Home Warranty

Quick Take

Finally, Select Home Warranty is an excellent choice if you want the peace of mind of home warranty service but are on a limited budget. You’ll receive similar protection from expensive repairs at a reasonable price since even the combo plan is under $50 a month. You can receive two full months of free coverage if you pay annually, including limited roof leak coverage with all plans.

Pros and Cons

Offers two months free with annual payment

Provides free roof leak coverage

Has add-on coverage for sprinkler systems

Offers lower coverage caps than competitors in this review

Requires you to cancel auto-renew in writing

Plans and Coverage

Select Home Warranty’s three plans include a Bronze Care plan that covers appliances and a Gold Care plan that covers systems. The Platinum Care plan covers both, plus garage door openers, ceiling fans and plumbing stoppages.

Optional coverage is also available for a lawn sprinkler system, central vacuum, pool, septic system, spa, stand-alone freezer, sump pump or well pump.

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

Cost 

Select Home Warranty offers a relatively low service fee of $75 with each of its plans.

 Monthly CostYearly Cost
Bronze Care Plan$41.67$449.99
Gold Care Plan$41.67$449.99
Platinum Care Plan$46.08$499.99

Get a Free Quote

For a free quote from Select Home Warranty, fill out this simple online form or call 888-370-3956.


Our Verdict

Overall, American Home Shield earns our top recommendation based on the company’s long standing reputation as well as the comprehensiveness of its plans. You’ll protect your home from breakdowns of covered items due to more conditions than simply wear and tear. As a result, rates run slightly higher than competitors, but the extra coverage is worth the cost increase for many homes.

However, that doesn’t mean American Home Shield is right for all homeowners and all budgets. Before you choose a provider, it’s important to check out home warranty reviews and compare quotes. Fortunately, all four providers on our list offer free quotes and sample contracts online, and we recommend getting at least three quotes for your home before making your decision.


Frequently Asked Questions About Idaho Warranties

How much does a home warranty cost in Idaho?

The cost of your Idaho home warranty depends on how comprehensive the plan is and the coverage limits that come with it. Overall, home warranties tend to cost between $30 and $75 a month with a service fee between $75 and $100.

If I have homeowners’ insurance, do I need a home warranty?

You may still need a home warranty, even if you have homeowners insurance. Homeowners insurance and home warranties protect your budget in different ways. Home insurance covers worst-case scenarios like catastrophic weather, fire and theft. However, it won’t pay for repairs or replacements when the systems or appliances in your home break down due to normal wear and tear.

Do I need a home warranty if I’m buying a new home?

If you live in a newly manufactured home, your systems and appliances may still be covered by manufacturer’s warranties. These apply to specific branded items and usually only cover repair and replacement if the problem is a defect in manufacturing. However, if your appliances are no longer under a manufacturer’s warranty, you can benefit from a home warranty.

How long does a home warranty last?

Typically, a home warranty contract lasts for 12 months. However, some companies give you the option to sign a longer contract, usually in exchange for a lower rate. A few may offer month-to-month protection without requiring a contract at all, but the monthly rate will likely be substantially higher than if you signed a contract.


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.

LEAVE A REPLY

Please enter your comment!
Please enter your name here