Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you thinking about getting a home warranty? Go with one of our recommended home warranty companies. With hot summers, working home appliances and systems, specifically HVAC, are extremely important for homeowners in the Miami area of Florida.
A home warranty in Miami can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear. Finding the best home protection plan for your Miami home can be time-consuming, so our team at Today's Homeowner did the research to help you find the best home warranty in Miami for your home. Read on for our home warranty recommendations.
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 Miami residents. Choice is a home warranty company with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that Choice offers include options for appliance and system coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Miami area.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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
In Miami, Select Home Warranty offers the most cost-effective home warranty. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. 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 are comprehensive and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for Miami homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered appliance or system.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information on this provider, read our thorough review of Select Home Warranty.
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
In Miami, American Home Shield offers the most customizable home warranty. AHS has more than 26 years of experience in the industry and in that time has built a impressive network of service professionals in the country. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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
In Miami, The Home Service Club offers the best home warranty with the quickest service. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Miami area.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our thorough review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Miami. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. The 3 policies that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you buy a plan 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 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For a more detailed breakdown, read our review of Liberty Home Guard.
Total Home Guard
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
In Miami, First American Home Warranty offers the best home warranty for appliance coverage. First American has over 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. First American has 2 plans for you to choose from. When you buy a home warranty 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.
First American Home Warranty offers 2 plans for Miami homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Miami area.
For more information, read our thorough review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Miami. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. 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 policies that Cinch offers include options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a combination of system and appliance coverage. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that makes it more affordable when one of your home systems or appliances experiences a complication. A home warranty can help homeowners who need to keep a budget in place and don't want to use their savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty plan, the coverage will start on your home systems and appliances.
When you have a problem with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a contractor coming over to take a look at the issue.
After that, you will pay the service fee. Service fees for home warranty customers range from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum amount per appliance that the home warranty will cover for repairs and replacements.
A home warranty plan will cover systems and appliances from normal wear and tear. The appliances usually covered under a home warranty plan are the refrigerator, dryer, washing machine, oven, microwave, dishwasher, and more. System coverage typically includes plumbing, electrical systems, heating, air conditioning, and more.
You can also choose to pay a bit extra for add-on coverage for items like spas, roof warranty, swimming pools, and septic systems.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover pre-existing conditions, cosmetic damages, lack of maintenance, and misuse.
Miami's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Another good thing about having a home warranty is when you're selling your home, you can most likely transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.
One disadvantage of buying a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't.
Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Selecting the best company for your home warranty is a step you can take to help protect your home. When considering which home warranty provider is the right one for you, here are some important factors to keep in mind:
The best home warranty provider in Miami is Choice Home Warranty. Choice Home Warranty has a large network of experienced service technicians and a tremendous reputation in the Miami area.
A home warranty plan can cover either your home appliances and systems, or both. Combination plans are beneficial if you need more coverage for your home, but a systems or appliance plan can be useful too if you want to save some money.
The type of home warranty you should look for depends on what's important to you. A cheaper plan may have higher service fees and deductibles, whereas a costlier plan may have lower deductibles and provide more coverage. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main two things to consider when choosing a home warranty company.
Generally a home warranty plan offers coverage for a year and you can renew it every year. In Miami where many rely on A.C., renewing your policy could help prevent large expenses if your HVAC system needs repairs.
Typically, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Miami, where the median home value is $337,733, when the seller pays for the home warranty can be a good asset for your new home.
A Miami home warranty can cost between $40 and $80 a month. Higher-priced plans usually have higher coverage limits, a lower service fee, and more coverage.
The systems and appliances in a home are covered under a home warranty policy in Miami. Everything from a microwave to a swimming pool can be covered under a home warranty depending on the plan.