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Last Updated: February 25, 2025
Homeownership in Cocoa can be exciting for many people, but it also comes with its fair share of difficulties. Updating your home’s appliances and systems can be an unexpected financial burden for many homeowners. A home warranty can bring you the peace of mind you need and shield your bank account from large expenses by covering your home’s major appliances and systems.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Cocoa.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Cocoa residents. Liberty has been in business for around 6 years, making it a well-respected company in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you’ll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Cocoa residents. Choice has been in business for around 15 years, making it a well-respected company in the industry. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. If you’re looking for very high coverage caps and simple-to-understand service contracts, you’ll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Cocoa residents. Select has been in business for around 11 years, making it a well-respected company in the industry. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, you’ll want to have this plan on your side. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Cocoa residents. AHS has been in business for around 26 years, making it a well-respected company in the industry. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, you’ll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Cocoa residents. First American has been in business for around 39 years, making it a well-respected company in the industry. The 2 plans from First American are easy to comprehend and offer both system and appliance coverage. If you’re looking for very affordable and comprehensive appliance coverage, you’ll want to have this plan on your side. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Cocoa residents. Cinch has been in business for around 44 years, making it a well-respected company in the industry. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, you’ll want to have this plan on your side. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Cocoa residents. HSC has been in business for around 15 years, making it a well-respected company in the industry. The 2 plans from HSC are easy to comprehend and offer both system and appliance coverage. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you’ll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Cocoa area.
For more information on this provider, read our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,029 |
| Heating | $4,020 |
| Electrical | $603 |
| Toilets | $502 |
| Washer/Dryer | $804 |
| Plumbing | $603 |
| Oven | $1,608 |
| Fridge | $603 |
A home warranty is a protection policy that assists Cocoa homeowners lower the high costs of household repairs. These plans offer financial coverage to repair or replace appliances and systems that break down from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Covered appliances normally include washers, refrigerators, garbage disposals, microwaves, dryers, dishwashers, and more. Covered systems include heating, electrical, air conditioning, and plumbing. Many home warranty companies also offer additional coverage for septic systems, central vacuums, locksmiths, and roof leaks. Most home warranty plans require Cocoa homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to understand before signing a contract:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans provide coverage for electrical, plumbing, heating, AC, and appliances. More inclusive options also offer coverage on other items such as pools, spas, roof leaks, and well pumps. Look for a company that offers comprehensive coverage choices, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a provider with lower service fees to maximize savings on every claim. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a provider known for exceptional service.
Home warranty providers have networks of professionals to handle covered repairs. More extensive networks improve the likelihood of getting qualified technicians to swiftly service your home. Reach out to potential providers and ask how many contractors they have in Cocoa to get a sense of how quickly your repairs could happen in an emergency.
Certain home warranty companies provide perks such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These can offer extra value beyond repair coverage. Added perks help improve your home and help maximize your home warranty.
Home warranties are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Cocoa reaching an average high of 81℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system break down.
Plus, having a home warranty can save you some time by eliminating the need to research repair people — most providers will send a trusted professional right to your door to do the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the impacted systems and appliances probably won’t be covered by the home warranty.
A home warranty in Cocoa can cost between $30 and $60 a month. The higher-priced plans tend to have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your home in case of something such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which is somewhat common in Cocoa.
First-time homebuyers, landlords, homeowners, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are beneficial if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the homeowner is the one who is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Cocoa, where the median value of a home is $302,409, having the seller pay for the home warranty can save you some money on your new home.
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