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Last Updated: February 25, 2025
Buying a home is a big step for many people, but maintaining it can be costly over time, especially if your home in Jacksonville is on the older side. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Jacksonville 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 Jacksonville. Liberty has been in the home warranty industry for about 6 years. Liberty has 3 plans for you to decide between. When you purchase 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.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Jacksonville area.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard Review.
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 Jacksonville. Choice has been in the home warranty industry for about 15 years. Choice has 2 plans for you to decide between. When you purchase 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.
Choice Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Jacksonville area.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our Choice Home Warranty Review.
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 Jacksonville. Select has been in the home warranty industry for about 11 years. Select has 3 plans for you to decide between. When you purchase 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.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Jacksonville area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our Select Home Warranty Review.
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 Jacksonville. AHS has been in the home warranty industry for about 26 years. AHS has 3 plans for you to decide between. When you purchase 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.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Jacksonville area.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our American Home Shield Review.
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 Jacksonville. First American has been in the home warranty industry for about 39 years. First American has 2 plans for you to decide between. When you purchase 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.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Jacksonville area.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our First American Home Warranty Review.
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 Jacksonville. Cinch has been in the home warranty industry for about 44 years. Cinch has 3 plans for you to decide between. When you purchase 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.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Jacksonville area.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our Cinch Home Services Review.
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 Jacksonville. HSC has been in the home warranty industry for about 15 years. HSC has 2 plans for you to decide between. When you purchase 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 Home Service Club has 2 plans that offer a combination of appliance and system coverage. The coverage caps 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 Jacksonville area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club Review.
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 | $5,693 |
| Heating | $3,795 |
| Electrical | $569 |
| Toilets | $474 |
| Washer/Dryer | $759 |
| Plumbing | $569 |
| Oven | $1,518 |
| Fridge | $569 |
A home warranty is a protection plan that assists Jacksonville homeowners in lowering the costs of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that malfunction due to normal wear and tear. When something breaks down, you file 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 cost of the repair or replacement goes over the item's coverage limit. A home warranty policy gives homeowners peace of mind because it can help avoid costly emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.
Home warranties protect your household systems and appliances. Typical covered appliances include microwaves, dryers, refrigerators, dishwashers, garbage disposals, washers, and more. Covered systems include electrical, plumbing, air conditioning, and heating. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Jacksonville homeowners to refrain from making claims for 30 days before the plan will cover repairs. Moreover, policies usually only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
There are several key factors to consider when selecting a home warranty provider:
Home warranties vary widely in terms of included coverage. Basic plans typically cover plumbing, heating, electrical, AC, and appliances, while more comprehensive plans may also cover spas, well pumps, roof leaks, and pools. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your 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 providers with more affordable per-claim fees to maximize savings. Some companies also offer disappearing deductibles after periods where a customer files no claims.
A home warranty provider's reputation provides insights into factors such as claim approval rates, contractor expertise, repair speed, and customer satisfaction. Look at review sites like TrustPilot, the Better Business Bureau (BBB), or Google Reviews to learn more about companies. Favorable reviews and ratings suggest a company known for providing quality service.
Home warranty providers have networks of contractors to handle covered repairs. More extensive networks increase the likelihood of getting qualified technicians to quickly service your home. Reach out to potential providers and ask how many contractors they have in Jacksonville to get a sense of how quickly your repairs could happen in an emergency.
Home warranty providers may include perks such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These extras can add value beyond repair coverage. Added perks help maximize the usefulness of your home warranty.
Jacksonville’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified repair person to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair problems you may come across. A home warranty can also provide value in other ways. For example, some plans can be transferred between owners when you sell your home.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to understand what each policy covers and excludes in the contract.
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 carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Jacksonville can cost between $30 and $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. 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.
Home warranties and home insurance differ in what types of damage they cover. Home warranty plans cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Jacksonville. It doesn't cover a typical appliance or system repairs.
Homebuyers, landlords, home sellers, homeowners, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be helpful if you're concerned about one more than the other.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
Generally, 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 has to pay the service fees. In Jacksonville, where the median value of a home is $140,548, having the seller pay for the home warranty can be a good asset for your new home.
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