Luis Pazos 
The best home warranties can make homeownership easier and less stressful, whether you’re buying a new home or an older property. With a home warranty, you know major components are covered if they need repairs or replacements. You can choose to pay monthly or annually, and even customize your coverage to fit your needs.
However, not all home warranties are created equal—some offer more features or better pricing. We compared the top 20 companies to find the ones that deliver on their promises and include plenty of features. Select Home Warranty tops our list with its comprehensive plans, but American Home Shield, Choice Home Warranty, and others also offer great products.
Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Platinum plan covers major home systems and appliances, from air conditioning and heating to plumbing and electrical systems. You can even add on extra coverage for items like pools, sump pumps, and sprinkler systems.
Liberty Home Guard provides three plans: one for appliances, one for systems, and the Total Home Guard plan that covers just about everything in your home. You can also add coverage for extras like pools and spas. Claims can be submitted online or over the phone 24/7, with service typically within 24 to 48 hours.
American Home Shield has been around since 1971 and offers flexible plans that cover major home systems, appliances, or both. You can even build your own plan to pay for exactly what you need.
AFC Home Club is a good choice for established homeowners who already have a network of preferred technicians. They offer many plans and let you add on extras like roof leak coverage.
First American Home Warranty is budget-friendly, with plans ranging from $38 to $48.50. They offer pre-screened professionals for repairs and 24/7 service requests.
Choice Home Warranty provides 24/7 service and easy claim filing. They offer two main plans: one for basic home components and another for more comprehensive coverage, with options to add extras like pools and septic tanks.
A home warranty is a service contract where you pay a fee for coverage on repairs or replacements of home systems and appliances. It complements your homeowners’ insurance by covering things that aren’t included, like normal wear and tear.
Coverage varies by plan, and some focus only on appliances while others cover major systems like plumbing and HVAC. You can often add coverage for things like a second fridge, pool, or garage door opener.
Costs for home warranties typically range from $37 to $70 per month, depending on the level of coverage. Comprehensive plans are more expensive, and there are usually additional fees for service calls and deductibles.
Home warranties are different from home insurance, which covers structural damage and liability. Home insurance protects against events like fires and weather damage, while home warranties cover system and appliance repairs.
The value of a home warranty depends on your need for repairs. They offer peace of mind and can save you money on unexpected repairs, making homeownership less daunting.
We found the best home warranties by comparing plan features, costs, and transparency. We also looked for companies with good BBB ratings and easy claim filing processes.
In summary, top home warranty companies like Select Home Warranty, Liberty Home Guard, and American Home Shield offer plans that can meet various needs, from comprehensive coverage to budget-friendliness. Matching the right home warranty to your needs can give you peace of mind and financial security.
