Best Home Warranty Companies 2024

2-10 Home Buyers Warranty offers three plans, with the option to add extra services and create a custom plan:

• Simply Kitchen ($15.33 per month): Coverage for kitchen appliances, like dishwashers, ovens, and ice makers
• Complete Home ($47.16 per month): Coverage for heating, cooling, plumbing, and electrical systems, plus everything covered by the Simply Kitchen plan
• Pinnacle Home ($56.94 per month): Supreme coverage and laundry machine coverage, plus everything covered by the Simply Kitchen and Complete Home plans

Optional add-ons include:

• Roof leaks
• Septic systems
• Pool and spa equipment
• Water softeners
• Well pumps
• Freezers
• Second refrigerators
• Wine refrigerators

Pros:

• Solid response time
• Affordable
• Coverage available in all 50 U.S. states and the District of Columbia

Cons:

• Phone support only available during business hours
• Customer service isn’t the most highly-rates

Coverage is available in all 50 U.S. states and the District of Columbia for single-family homes and condos. If you own a multi-family property, you’ll need to look elsewhere.

2-10 Home Buyers Warranty also has a $25 cancellation fee after signing an annual contract.

AFC Home Club offers four plans with three tiers of pricing:

• Systems Plan ($41.83 per month): Coverage for up to nine systems, including AC, water heaters, heating systems, electrical, plumbing, and ductwork
• Silver Plan ($31.42 per month): Coverage for six appliances, including washers and dryers, refrigerators, garbage disposals, ovens, garage door openers, and dishwashers
• Gold Plan ($49.17 per month): Combination of the Silver Plan and Systems Plan
• Platinum Plan ($54.08 per month): Combination of the Gold Plan plus coverage for plumbing stoppages, ice makers, and built-in microwaves

Optional add-ons include:

• Septic systems
• Sump pump
• Pool and spa equipment
• Standalone freezers
• Central vacuum
• Roof leak repair
• Electronics

Pros:

• Comprehensive coverage
• Phone and online request lines available 24/7
• Ability to choose your own contractor

Cons:

• Not available in Hawaii
• High cancellation fee of $75
• Coverage is more expensive than some competitors

AFC Home Club allows you to choose your own approved contractor for services. Alternatively, upon request, they’ll supply one of their customer-approved technicians within 24 to 48 hours of the request.

American Home Shield offers three plans:

• ShieldSilver ($19.99 per month): Coverage for up to 14 plumbing, heating, cooling, and electrical systems
• ShieldGold ($39.99 per month): Coverage for nine systems, including kitchen and laundry appliances, plus
• ShieldSilver coverage
• ShieldPlatinum ($69.99 per month): Coverage for roof leaks, code violations, HVAC services, and AC refrigerant, plus ShieldGold coverage

Optional add-ons include:

• Electronics
• Pools and spas
• Well pump
• Septic pump
• Guest units under 750 square feet

Pros:

• Military discount available
• Comprehensive coverage options

Cons:

• Not available in Alaska or D.C.
• Limited optional add-ons
• You’ll need to get your own contract approved to use them

American Home Shield has a network of highly-skilled technicians ready for repairs. If you request one, someone will be on-site within 48 hours. If you’d like to use your own contractor, you’ll need to get them approved ahead of time.

American Residential Warranty offers three coverage options, each with one $55 service fee price:

Kitchen Plus ($39.99 per month): Coverage for built-in microwaves, dishwashers, garbage disposals, electrical systems, kitchen exhaust fans, ovens, refrigerators, and water heaters

Platinum Premier ($64.99 per month): Coverage for central AC ceiling fans, ductwork, garage door openers, plumbing systems and stoppages, range hoods, and refrigerator ice makers, plus Kitchen Plus coverage

4-in-1 Bundle ($129.99 per month): Coverage for enhanced appliances, electronics, and some sewer and water line repairs, plus Platinum Premier coverage

Optional add-ons include electronics and water and sewer line repairs.

Pros:

• Fast response time
• Simple, single-service fee pricing
• Comprehensive coverage options
• No cancellation fees

Cons:

• Pricing is more expensive than some competitors
• Limited optional add-ons
• Not available in all states

With American Residential Warranty, technicians will arrive within 24 hours for emergencies or 48 hours for standard calls. You also have the option to use your own contractor if you’d prefer.

Choice Home Warranty offers just two coverage options, both with a simple $85 flat service fee:

• Basic Plan ($46.83 per month): Coverage for heating, electrical, and plumbing systems, plus plumbing stoppages, water heaters, whirlpool bathtubs, ovens, cooktops, dishwashers, built-in microwaves, and garbage disposals
• Total Plan ($54.75 per month): Coverage for some larger appliances like air conditioners, washers and dryers, and refrigerators, plus Basic Plan coverage

Optional add-ons include:

• Septic systems
• Septic tank pumping
• Sump pumps
• Roof leaks
• Well pumps
• Freezers
• Second refrigerators
• Central vacuums
• Pools and spas

Pros:

• Basic Plan is fairly comprehensive
• Flat service fee
• Military discounts

Cons:

• Limited plan options
• Customer service could be stronger

Choice Home Warranty has a $50 cancellation fee that applies after 30 days on yearly contracts. They also offer coverage for manufactured homes and condos, which not all warranty companies do.

Cinch Home Services, formerly known as Cross Country Home Services, offers three coverage options with service fees ranging from $100 to $150:

• Appliances ($34.99 per month): Coverage for standard appliances such as washers and dryers, ovens, dishwashers, ice makers, built-in trash compactors, built-in microwaves, and more
• Built-in Systems ($39.99 per month): Coverage for air conditioners, attic fans, ceiling fans, sump pumps, toilets, heating systems, and more
• Complete Home ($49.99 per month): Combination of both the Appliances and Built-in Systems Plans

Optional add-ons include:

• Pools and spas
• Septic systems
• Well pumps
• Permits and code violations

Pros:

• Affordable, yet comprehensive coverage
• Fast response time

Cons:

• Service fee options are higher than some competitors
• No option to choose your own contractor

With Cinch Home Services, you aren’t able to choose your own contractor. However, they offer two-hour response windows during business hours and a maximum of 24 hours to set up a repair appointment.

Home Warranty of America offers two coverage options with two service fee tiers:

• Premier Plan ($45 per month): Coverage for standard items like HVAC, water heater, plumbing, electrical, doorbell, alarm systems, and more
• Premier Plus Plan ($55 per month): Coverage for premium items like additional appliances and AC systems

Optional add-ons include:

• Pools and spas
• Well pumps
• Septic pumps and systems
• Code violations
• Re-keying
• Permits
• GreenPlus

Pros:

• Comprehensive coverage
• Fairly affordable rates
• GreenPlus option

Cons:

• Limited plan options
• No option to choose your own contractor

HWA offers a unique program called GreenPlus, which provides high-efficiency appliances if a broken appliance is deemed irreparable.

Liberty Home Guard offers three coverage options for single-family, mobile and manufactured homes, condos, and rental properties. Each plan has one $60 service fee tier:

• Appliance Guard ($49.99 per month): Coverage for appliances like washers and dryers, refrigerators, ceiling and exhaust fans, dishwashers, and more
• Systems Guard ($54.99 per month): Coverage for AC, heating, plumbing, electrical, and ductwork systems, as well as water heaters
• Total Home Guard ($59.99 per month): Combination of the Systems Guard Plan and the Appliance Guard Plan

Optional add-ons include:

• Pools and spas
• Hot water dispenser
• Gutter cleaning
• Sump and well pumps
• Floor and carpet cleaning
• Pest control
• Some roof leaks
• And much more.

Pros:

• Comprehensive list of optional add-ons
• Comprehensive coverage for base plans

Cons:

• It’s recommended that you don’t hire your own contractor
• Coverage isn’t available in Washington or Wisconsin

While customers are discouraged from hiring their own contractors, Liberty Home Guard has a network of over 10,000 pre-approved technicians ready to respond to repairs within 24 to 48 hours.

Select Home Warranty offers three similarly-priced coverage options:

• Bronze Care ($44.42 per month): Coverage for washers and dryers, garbage disposals, refrigerators, ovens, microwaves, cooktops, and dishwashers
• Gold Care ($44.42 per month): Coverage for AC and cooling, heating systems, plumbing systems, electrical systems, water heaters, and ductwork
• Platinum Care ($47.75 per month): Combination of the Gold Care and Bronze Care Plans

Optional add-ons include:

• Plumbing
• Lighting fixtures
• Fridge ice makers
• Sump pumps
• Septic systems
• Lawn sprinkler systems
• And more.

Pros:

• Affordable pricing on the most comprehensive plan
• Flexible cancellation policy

Cons:

• Up to four days for non-emergency claims made after hours
• Not available in New York, Nevada, Wisconsin, or Washington

Select Home Warranty has a network of pre-approved technicians that respond to claims. Typically, they’ll be on-site to work on your claim within 48 hours. However, if you submit the claim after hours and if it’s not emergent, it will take up to four days to receive a technician.

The Home Service Club offers just two plans:

• Standard Coverage ($51.25 per month): Coverage for 18 essential systems and appliances, like AC, heating, plumbing, and laundry appliances
• Comprehensive Coverage ($62.50 per month): Covers items included in the Standard Coverage plan, plus 15 additional items

Optional add-ons include:

• Sprinkler systems
• Freezers
• Water softener
• Jet tubs
• Utility lines
• Pools and spas
• Dual compressor refrigerators
• Wells and sewage pumps

Pros:

• Solid customer ratings
• Low service fee option

Cons:

• Limited plan options
• Can’t always pick your own contractor

You can submit a claim 24/7 online and during business hours via phone. In most cases, the technician that responds to your claim will be one of Home Service Club’s approved technicians. In select circumstances, you may be able to use your own pre-approved contractor.