Best Home Warranty 2023
Experience worry-free home ownership with our comprehensive list of home warranty services.
Select Home Warranty
Shield your wallet. Shield your home.
- $150 OFF your plan of choice, plus Roof Coverage ($99 Value)
- Provides generous appliance limits.
- Covers working home systems/appliances regardless of age.
American Home Shield
Be confident and in control with American Home Shield
- Heating and Cooling System.
- Up to 23 home appliances covered
- More than $4 billion in Home Warranty claims paid in the last 5 years.
Choice Home Warranty
Protect you Home & Wallet!
- 24/7 call centers.
- More than 6,000,000 Service Requests.
- More than 1,900,000 Homes Across the USA.
Home warranties are service contracts that cover the repair or replacement of major home systems and appliances. Homeowners pay a fee for coverage, and when a covered item breaks down, the warranty company arranges for a qualified service provider to address the issue. Commonly covered items include HVAC systems, plumbing, and kitchen appliances, providing homeowners with peace of mind and protection against unexpected repair costs.
Our Top Home Warranty Solutions
Select Home Warranty
Shield your wallet. Shield your home.
- $150 OFF your plan of choice, plus Roof Coverage ($99 Value)
- Provides generous appliance limits.
- Covers working home systems/appliances regardless of age.
American Home Shield
Be confident and in control with American Home Shield
- Heating and Cooling System.
- Up to 23 home appliances covered
- More than $4 billion in Home Warranty claims paid in the last 5 years.
Choice Home Warranty
Protect you Home & Wallet!
- 24/7 call centers.
- More than 6,000,000 Service Requests.
- More than 1,900,000 Homes Across the USA.
First Premier Home Warranty
Protect Your Home Appliances and Systems
- $250 off for first-time buyers + 2 Free Months
- Free roof coverage
- Highest Renewal Rate in the Industry
First American Home Warranty
Protect your home and your budget
- Offers flexible service call fee options.
- Provides generous appliance limits.
- Covers working home systems/appliances regardless of age.
2-10 Home Warranty
Protect More, Pay Less
- as low as $17* per month
- 40+ years in the industry
- Appliance Replacement Offer
Home Protection of America
Bringing you peace of mind
- No deductible, service or trade fees
- Unlimited claims 24/7
- Covered for as little as $0.92 a day
Cinch Home Warranty
More than a home warranty company
- Discounts on brand-name appliances when you're ready for an upgrade.
- Locksmith reimbursement protection up to $50 per year.
- A $25 credit to use toward filters for your A/C or fridge.
Our Top Home Warranty Companies
Select Home Warranty
Select Home Warranty offers a range of home warranty plans providing coverage for major appliances and systems in your home. They have different plans, such as the Bronze Plan, Gold Plan, and Platinum Plan, each offering varying levels of coverage. Additional features include the choice of service fee, 24/7 customer service, and a network of qualified service providers. Testimonials from customers have highlighted both positive and satisfactory experiences with Select Home Warranty.
What We like
- Offers a range of plans to suit different needs and budgets, allowing homeowners to customize their coverage
- Plans cover a variety of major appliances and systems, providing peace of mind for homeowners
- Easy Claims Process: To make a claim, customers need to file a claim online or by phone
- 90-day guarantee on the workmanship of the contractor who performs the repair, which provides additional peace of mind
What we don't like
- ❌ Limited service providers available in your area
American Home Shield
American Home Shield is a company that sells home warranty plans, providing coverage for a wide range of home systems and appliances. The specific offers included in their plans may vary, but they typically cover items such as HVAC systems, electrical systems, plumbing, kitchen appliances, and more.
What We like
- Offers excellent customer service and quick resolution to problems
- Has a professional contractor network and a large service team of more than 16,000 contractors in 49 states
- Has been in the home warranty industry for over 50 years
- Handles the entire claims process, from finding qualified contractors to managing the payment
What we don't like
- ❌ May require homeowners to sign a contract
Choice Home Warranty
Choice Home Warranty is a company that offers affordable home warranty policies in the United States. Some of the offers that are provided by this company include: air conditioning, plumbing, electric systems, water heaters, whirlpool tubs, refrigerators, stoves, ovens, microwaves, dishwashers, and clothes washers & dryers.
What We like
- Offers affordable and comprehensive coverage for homeowners
- Protection for major appliances, covers between 10 to 15 home systems and appliances
- Offers a variety of plans to cater to different needs and budgets
- Well-known for its excellent customer service and prompt response times
What we don't like
- ❌ May have specific coverage limitations
First Premier Home Warranty
First Premier is a home warranty company that provides coverage for home systems and appliances. They offer two plans – Premier and Premier Platinum, which can be paid for on either a monthly or yearly basis
What We like
- Offers a range of coverage options for home systems and appliances
- Service fees for First Premier Home Warranty start as low as $50
- Offers promotional deals for new customers
- Has a reputation for excellent customer service and quick response times
What we don't like
- ❌ Only available in select states
First American Home Warranty
First American Home Warranty specializes in home warranty plans that provide coverage for major home systems and appliances. Their plans typically include coverage for systems like HVAC, electrical, and plumbing, as well as essential appliances. They offer 24/7 customer service and have a network of qualified contractors for repairs or replacements. Optional add-ons allow homeowners to customize their coverage. With a First American Home Warranty plan, homeowners can have peace of mind knowing their home systems and appliances are protected and reliable service is readily available when needed.
What We like
- Their plans offer protection against unexpected repair or replacement costs for essential components of your home
- Have peace of mind knowing that if covered items break down, First American Home Warranty can help coordinate repairs or replacements
- Has a network of pre-screened and qualified contractors, ensuring prompt and professional service
- 24/7 customer service
What we don't like
- ❌ There may be service call fees for each visit from a contractor
2-10 Home Warranty
2-10 Home Warranty specializes in comprehensive home warranty plans, offering coverage for major systems such as HVAC, electrical, and plumbing, as well as essential appliances. They have a network of qualified contractors, provide 24/7 customer service, and offer optional add-ons for customized coverage. With a 2-10 Home Warranty plan, homeowners can have peace of mind knowing their systems and appliances are protected, backed by reliable service and support.
What We like
- Offers coverage for major systems in the home, such as HVAC (Heating, Ventilation, and Air Conditioning), electrical, plumbing, and more
- Plans also include coverage for essential household appliances, including refrigerators, ovens, dishwashers, and laundry machines
- Maintains a network of qualified and pre-screened contractors who are available to perform repairs and replacements
- Offers round-the-clock customer service, ensuring that homeowners can reach out for assistance whenever they need it
What we don't like
- ❌ Limited service providers available in your area
Home Protection of America
What We like
- Offers customizable home warranty plans with comprehensive coverage for your home's systems and appliances.
- Committed to transparency in their pricing and claims process.
- Service providers are carefully selected to ensure that they meet HPOA's high standards of quality and customer service
- Offers additional benefits like discounts, contractor access, and home improvement resources.
What we don't like
- ❌ Providers may vary depending on your location
Cinch Home Services
Cinch Home Warranty offers comprehensive coverage for a range of home systems and appliances. Their plans include items like air conditioning, heating, plumbing, electrical systems, as well as kitchen and laundry appliances. With Cinch Home Warranty, homeowners can have peace of mind knowing that their essential home components are protected.
What We like
- Offers a variety of coverage plans to cater to different needs and budgets
- Has a dedicated customer service team available 24/7 to assist homeowners with any queries and concerns they may have
- Has a seamless claims process that is quick and easy for homeowners to use
- Allows homeowners to choose service providers of their choice from a network of qualified technicians
What we don't like
- ❌ Not available in all states
What is a Home Warranty ?
Home warranties are comparable to insurance policies or service contracts that cover the products and structural components of a residential building. This type of coverage is different from home insurance, which pays for damage and loss caused by natural disasters.
Home warranties cover equipment packages such as kitchen appliances, additional equipment like water heaters, HVAC units, sewers and gas pipes, plumbing and electrical systems, up to swimming pools and spas. Other forms of home warranty take care of home systems.
Home warranties are extremely popular and are considered to be as important as home insurance. They can both save the average home up to $1,500 in home repairs annually and provide the comfort of coverage for systems and appliance if any disasters happen.
What comes under the cost of a home warranty?
It is imperative to be aware of what comes under this policy and what doesn’t. Mechanical systems of the house such as plumbing, heating, air conditioning, and electrical are covered under this service. However, it does not cover the costs that include misusage, external damage, or inadequate maintenance that could be categorized under “mishandling” post-purchase; in which cases could be completely denied.
Some appliances or products that you buy already have a company-granted warranty tagged with them; therefore, those would not be covered under this service. Consequently, it is only wise to read through the warranty contract carefully, and speak to a consultant of the company regarding your options.
How Does A Home Warranty Work?
If you were of the opinion that you can call your repairman around the block and get your work done under the cost of the home-warranty, stop right there. The home warranty contract is issued by the company and you cannot invite anyone to do the maintenance that is required; it has to be a contractor selected by the home warranty company. This is for the whole process to be made more efficient for you and the other individuals that are using the same home warranty company in your zip code.
The procedure goes something like this; you call the company that had issued the warranty contract, narrate the problem, and they will send a contractor. Once the contractor arrives, you will have to pay them their service fee for diagnosing the problem which is called a deductible and is usually much cheaper than the process of doing it alone.
If the problem is approved by the contractor to come under the cost of the home warranty, the rest of the damage will be free-of-cost.
Differences between Home warranty and Home insurance
Underwriting
An underwriter assesses the risk by paying a visit to the home when we apply for home insurance. They consider factors like history, location, contents, construction, and the age of your home. After that, the price and premium for the insurance plan are derived accordingly.
Home warranties, on the other hand, do not require underwriting. The premium and warranty plan is the same for one and all.
Automatic Renewal
Clients enjoy automatic renewals of home insurance. As long as one pays the premiums, he or she has insurance coverage. Home warranties, on the other hand, require renewal. Warranties are for a limited time, and after that, the clients need to renew them.
The advantage is that you can search for better warranty plans when the current runs out and avail new member discounts on them. The disadvantage is that if a client forgets to renew the warranty, it will lapse, and any damage that occurs won’t be covered.
Necessity
To receive mortgages, having home insurance is generally necessary. On the other hand, having a home warranty is not mandatory and generally not required. It is optional.
Personal Liability coverage
Home insurances mostly cover personal liability, but the home warranty does not. In simple words, if an inhabitant or any member of the family on the property is hurt in an accident, the home insurance covers medical costs concerning bodily harm.. The loss of wages of the hurt member and legal fee is also covered in the personal liability coverage.
Extra coverage
Most warranty companies provide extra coverage to clients like the protection of swimming pools and spas if they choose a bigger coverage. Home insurance, on the other hand, does not offer anything of that sort.
Limited coverage
Home Warranty companies put a limit to the maximum coverage they would provide to the clients. Whereas, the Homeowner’s Insurance usually covers around 50% to 70% of the total insured amount. You might have to conduct a home inventory for the same, which allows the companies to better understand the total worth of your assets. It might also include liability protection and additional living expenses, in case you are not able to put up at your place due to the damage.
Surprises down the road
What is covered and not under Home insurance is apparent right from the beginning because of underwriting. However, home warranty companies don’t undertake any assessments and may deny coverage of the appliance later because of factors like improper installment, area building codes, improper usage or lack of maintenance, etc.
Cost
The cost of home insurance is usually higher than home warranty. U.S. average annual premium for Home insurance is $1,211, while for a home warranty policy, it ranges between $300 and $600.
What Are Home Warranty Deductibles?
Since home warranty plans are all different, ask specifically what kind of deductibles are included in your plan of choice. Contact your broker to see if any upgrades are available. Make sure to make all the checks require before signing a home warranty contract.
Home warranty companies often list three types of coverage: basic coverage, full coverage, and optional coverage. Some carriers may not have basic insurance, but they do have a standard policy.
Below is more information you should know on these three types of coverages.
Basic Home Warranty Coverage
A basic home warranty covers systems and devices that are essential for everyday use. Items covered by a home warranty vary from state to state. The daily use of devices depends on climatic conditions and other factors—for example, built-in microwaves, plumbing, ceiling fans, etc.
You should note that not all companies include the same list of items in their default policies.
Enhanced Home Warranty Coverage
Extended coverage includes some systems and devices that are not included in a basic plan, but are used frequently. Enhanced coverage costs a little more than basic coverage. Under certain warranty conditions for private households, air conditioning, refrigerator, washer/dryer, etc. They are not included in the basic insurance.
Optional Home Warranty Coverage
Optional coverage includes items that are not covered by basic or full coverage. This cover gives you the ability to add your own pool, spa, wine cooler, well pump, etc. You have to pay a fixed additional premium to add one of these items to your home coverage.
Most home warranty company websites have sample policies. Indicate which items are included in basic, full, and optional coverage. Be sure to read the document for a clear understanding of the elements included in each policy and speak to a representative of the company.
Deductible Costs, Service Costs, and Other Fees
When evaluating a home warranty deductibles, make sure you know exactly the costs involved. This means you have to take into consideration, among other things, acquisition costs, service costs, and additional costs.
The actual price of a home warranty deductibles depends on the chosen coverage. Typical annual costs can be $200 for large appliances and $800 for HVAC, plumbing, and electrical systems.
When buying a home, the warranty premium is a part of the final costs of the house. However, the question of who to pay the premium remains open. Payment responsibilities can be transferred entirely to the seller or shared between the seller, the buyer, and the broker.
Some home warranties have a deductible of around $60-70; or the repair cost, whichever is lower. If the warranty includes a deductible, this fee will be charged for every repair. And even if you don’t pay the actual repair or replacement costs, you may be liable to pay from between $65 and up to $125 in trade fees for each repair. This fee, stipulated in the contract, covers the price of the technician who comes to your home to diagnose the problem.
Home Warranty - (2-10 Home Warranty)
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Home Warranty - (Select Home Warranty)
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Home Warranty - (Cinch Home Services)
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Home Warranty - (First American Home Warranty)
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Home Warranty - (American Home Shield)
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Home Warranty - (First Premier Home Warranty)
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Home Warranty - (Choice Home Warranty)
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