Written By David Cusick
Last Updated April 2024
As much as you may enjoy homeownership in Miami, there's always that worry about whether your systems and appliances are going to need repairs over the next few years. 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 malfunction due to normal wear and tear.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to choose from. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Miami for you.
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 Miami. The 3 plans that Liberty offers include options for appliance and system 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.
Liberty Home Guard offers 3 plans for Miami homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our comprehensive review of Liberty Home Guard to learn more.
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 Miami. The 2 plans that Choice offers include options for appliance and system 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.
Choice Home Warranty offers 2 plans for Miami homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our comprehensive review of Choice Home Warranty to learn more.
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 Miami. The 3 plans that Select offers include options for appliance and system 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.
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. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our comprehensive review of Select Home Warranty to learn more.
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 Miami. The 3 plans that AHS offers include options for appliance and system 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.
American Home Shield offers 3 plans for Miami homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our comprehensive review of American Home Shield to learn more.
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 Miami. The 2 plans that First American offers include options for appliance and system 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.
First American Home Warranty offers 2 plans for Miami homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
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 Miami. The 3 plans that Cinch offers include options for appliance and system 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.
Cinch Home Services offers 3 plans for Miami homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.
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 Miami. The 2 plans that HSC offers include options for appliance and system 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 Home Service Club offers 2 plans for Miami homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our comprehensive review of The Home Service Club to learn more.
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 | $5,917 |
Heating | $3,944 |
Electrical | $592 |
Toilets | $493 |
Washer/Dryer | $789 |
Plumbing | $592 |
Oven | $1,578 |
Fridge | $592 |
A home warranty is a protection policy that assists Miami homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that stop working 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 fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs go over the item's coverage limit. A home warranty gives peace of mind to homeowners because it helps prevent costly emergency repairs. Home warranties are particularly useful for older construction homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties cover your household systems and appliances. Warranties usually cover appliances such as microwaves, garbage disposals, washers, dryers, dishwashers, refrigerators, and more. Covered systems include electrical, air conditioning, heating, and plumbing. Many home warranty providers also offer add-on coverage for locksmiths, roof leaks, septic systems, and central vacuums. Miami homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or damage caused by improperly using a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement is covered by the policy.
There are several home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans differ significantly in terms of coverage. Most plans cover electrical, heating, plumbing, AC, and appliances. More inclusive options also include coverage for other items such as roof leaks, well pumps, pools, and spas. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your home's 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 more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles when customers have a claim-free period.
A home warranty provider's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Use review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Good ratings and feedback indicate a company known for great service.
Home warranty providers maintain networks of technicians to handle covered repairs. Wider networks improve the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Miami to get a sense of how quickly your repairs could be handled in an emergency.
Certain home warranty companies provide extras such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These offer extra value beyond repair coverage. Added perks enhance your home and help maximize your home warranty.
Home warranty policies are an inexpensive way to protect your home systems and appliances from normal wear and tear. With temperatures in Miami hitting an average high of 61℃F, you may find that some appliances, such as your A.C., get a lot of use. A home warranty can considerably decrease out-of-pocket expenses should your HVAC system stop working.
Not only can a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even help your home sell faster.
As for the disadvantages of home warranties, coverage varies by company, so it’s important to review what each plan covers and excludes in the contract.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Miami. 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 opting for a higher service fee. Additionally, it's typically less expensive 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 home systems and appliances. A homeowners insurance plan protects your entire home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Miami.
A home warranty policy can help homeowners, investors, homebuyers, home sellers, and real estate agents. It can provide peace of mind and savings to anyone involved in homeownership.
A home warranty plan will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Miami, where the median home value is $234,559, having the seller pay for the home warranty can save you some money on your new home.