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Last Updated: February 25, 2025
With hot summers, maintaining your home systems and appliances, specifically your HVAC, is extremely important for homeowners in Florida City. A home warranty in Florida City can help lower your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best protection for your home can be challenging, so our team at Today's Homeowner has compiled this guide to help you find the top home warranty companies in Florida City. Keep reading for our top provider recommendations.
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 offers the most trustworthy home warranty in Florida City. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also 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. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
For more information on this provider, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can 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 offers the best overall home warranty in Florida City. Choice has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also 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. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
For more information on this provider, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, you can 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 offers the most cost-effective home warranty in Florida City. Select has over 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also 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. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
For more information on this provider, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, you can 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 offers the most customizable home warranty in Florida City. AHS has over 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also 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. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
For more information on this provider, read our American Home Shield Review. To receive a free quote from American Home Shield, you can 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 offers the best home warranty for appliance coverage in Florida City. First American has over 39 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also 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. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
For more information on this provider, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, you can 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 offers the home warranty with the best workmanship guarantee in Florida City. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also 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. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
For more information on this provider, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, you can 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 offers the best home warranty with the quickest service in Florida City. HSC has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also 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. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
For more information on this provider, read our The Home Service Club Review. To receive a free quote from The Home Service Club, you can 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 | $6,516 |
| Heating | $4,344 |
| Electrical | $652 |
| Toilets | $543 |
| Washer/Dryer | $869 |
| Plumbing | $652 |
| Oven | $1,738 |
| Fridge | $652 |
A home warranty is a protection policy that helps lower expenses for Florida City homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that stop working due to normal wear and tear. Homeowners submit 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 exceed the item's coverage limit. A home warranty provides security for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with aging systems. More modern homes with working appliances probably don’t need a home warranty.
Home warranties cover many home systems and appliances. Covered appliances normally include dishwashers, refrigerators, garbage disposals, dryers, washers, microwaves, and more. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty providers also offer add-on coverage for roof leaks, septic systems, locksmiths, and central vacuums. Florida City should understand that most home warranty plans have a waiting period of 30 days before repairs are covered. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Before signing a home warranty contract, you should understand key terms like:
There are several important factors to consider when selecting a home warranty provider:
Home warranty coverage varies, although most plans provide coverage for heating, plumbing, AC, electrical, and appliances. More inclusive plans may also cover other things such as roof leaks, well pumps, spas, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your needs.
You'll pay a service fee, typically $60–100, for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain companies may eliminate deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty companies use networks of local repair technicians to manage repairs in a given area. Contact potential businesses to ask how many repair technicians they have in Florida City and get an idea of how quickly your repairs could be handled in an emergency. Bigger networks raise the probability of getting qualified contractors to swiftly service your home.
Some home warranty companies include extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These add value beyond repair coverage. Added bonuses maximize the usefulness of the home warranty.
Temperatures in Florida City can get quite high in the summer, which means your air conditioner is most likely going to get a good bit of use. As a homeowner in Florida City, one benefit of having a home warranty is that these home systems and major appliances can be covered in the event they have to be repaired or replaced.
Plus, having a home warranty can save you time by removing the need to research repair people — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having a home warranty plan is that it can increase your home’s property value. If you ever decide to sell your house, 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, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to keep in mind is that some providers don’t cover pre-existing damage and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you need more information or if this is an issue for you.
A home warranty plan costs, on average, around $300 to $600 a year in Florida City. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Florida City.
A home warranty can help investors, homeowners, home sellers, homebuyers, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
A home warranty policy will cover your home’s appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans generally last a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Generally, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Florida City, where the median home value is $757,684, having the seller pay for the home warranty can save you some money on your new home.
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