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Last Updated: February 25, 2025
Owning a house can have many advantages, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty in Annapolis can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market is saturated with many providers — all with different coverage — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Annapolis.
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
In Annapolis, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans from Liberty are easy to understand and have a mix of both system and appliance coverage. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of Liberty Home Guard. To get 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
In Annapolis, Choice Home Warranty offers the best overall home warranty. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of Choice Home Warranty. To get 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
In Annapolis, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of Select Home Warranty. To get 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
In Annapolis, American Home Shield offers the most customizable home warranty. The 3 plans from AHS are easy to understand and have a mix of both system and appliance coverage. 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.
The plans that AHS offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of American Home Shield. To get 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
In Annapolis, First American Home Warranty offers the best home warranty for appliance coverage. The 2 plans from First American are easy to understand and have a mix of both system and appliance coverage. First American offers very affordable and comprehensive appliance coverage. Plus, it 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 plans that First American offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of First American Home Warranty. To get 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
In Annapolis, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of Cinch Home Services. To get 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
In Annapolis, The Home Service Club offers the best home warranty with the quickest service. The 2 plans from HSC are easy to understand and have a mix of both system and appliance coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners 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 Annapolis area.
For a more detailed breakdown, read our review of The Home Service Club. To get 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 | $6,882 |
| Heating | $4,588 |
| Electrical | $688 |
| Toilets | $573 |
| Washer/Dryer | $918 |
| Plumbing | $688 |
| Oven | $1,835 |
| Fridge | $688 |
A home warranty is a protection plan that helps Annapolis homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that break down due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances may not need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include refrigerators, garbage disposals, washers, dryers, microwaves, dishwashers, and more. Covered systems include plumbing, air conditioning, electrical, and heating. Many home warranty companies also provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Annapolis homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies 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. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Here are some essential home warranty terms to learn before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans provide protection for electrical, heating, plumbing, AC, and appliances. More comprehensive options also extend protection to other items such as pools, spas, roof leaks, and well pumps. Look for a company that offers robust coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation gives insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Browse review platforms such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Good ratings and feedback indicate a provider known for great service.
Home warranty companies keep networks of local professionals to handle repairs in your area. Reach out to potential providers to find out how many repair contractors they have in Annapolis and get an idea for how fast your repairs could take place in an emergency situation. Larger networks raise the probability of getting qualified contractors to swiftly service your home.
Home warranty providers often offer perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras can add value beyond just repair coverage. Added perks help maximize the usefulness of the home warranty.
Temperatures in Annapolis can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Annapolis, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet technicians on your own, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though it varies by company, some providers will allow you to transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and help your home sell faster.
One major drawback of home warranties is not everything you care about may be covered. It’s important to compare the different policies and select one that covers all the appliances, systems, and add-ons you need.
Also, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Annapolis can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. Homeowners insurance protects a home in case of something 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 isn't that common in Annapolis.
Homebuyers, homeowners, landlords, real estate agents, and home sellers can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Annapolis include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover almost all your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items mentioned in the plan.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, however, the home seller may buy a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Annapolis is $571,768, a home warranty can be an added asset when buying a home.
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