18 Best Home Warranty Companies
Getting a home warranty plan can save you a lot of unexpected expenses. You might be thinking – I already have homeowners insurance, do I really need a home warranty plan too? Well, yes – you do.
As I explain further down in the article, there is a difference between the two – and it’s not about having one or the other. If you want to protect yourself from unexpected (possibly major) expenses, you will probably need to invest in both.
Choosing a home warranty provider and a home warranty plan might not be as straightforward, as there are so many things to think about – from home warranty costs to what coverage you think your home needs.
In this article, I’ll explain to you how a home warranty works and what home warranty plans cover, as well as take you through a list of 18 best home warranty companies of 2020. All to help you find the one that is best for you.
18 Best Home Warranty Companies
Home warranty plans tend to differ from one company to the next. Some focus on costs, others on the number of appliances and systems covered.
Because of this, there is no one best plan for everyone. To help you find the best plan for you, we have reviewed the 18 best home warranty companies.
Here are the 18 best home warranty companies of 2020:
- American Home Shield
- Choice Home Warranty
- Select Home Warranty
- First American Home Warranty
- America’s 1st Choice Home Club
- The Home Service Club
- 2-10 Home Buyers Warranty
- Complete Protection
- Home Warranty of America
- American Residential Warranty
- Amazon Home Warranty
- Cinch Home Services
- Landmark Home Warranty
- Total Home Protection
- Liberty Home Guard
- HMS Home Warranty
- HSA Home Warranty
- OneGuard Home Warranties
American Home Shield
American Home Shield was one of the first companies to offer home warranties. In fact, they have been around for more than 45 years. They have a B rating from the BBB (Better Business Bureau) and are fully accredited.
American Home Shield has several different plans to choose from, including one that is totally customizable. This is called the Build Your Own Plan ™ and allows you to select which systems and appliances you want to be covered.
There are 21 different systems and appliances to choose from, and you can pick and choose as you please. Do keep in mind there are exclusions and caps in place as well as extra coverage options.
They have more than 15,000 contractors in their network, meaning help can be available pretty quickly when things go wrong.
Choice Home Warranty
Choice Home Warranty offers straightforward home warranty insurance plans. In fact, there are only two plans to choose from – Basic and Total. They are available in most states, with the only exceptions being California and Oklahoma. Their plans are quite affordable, and the company has positive customer satisfaction ratings.
The Basic Plan on offer covers quite a few things; however, it misses essentials such as refrigerators and laundry washing and drying appliances. These are covered in the Total Plan, which might make it more suitable for most households.
If the Total Plan doesn’t quite cover everything you need it to, there are also many additional coverage options that can extend the number of systems and appliances covered by the home warranty plan.
Choice Home Warranty offers 24/7 support, and they promise fast service should something covered by the plan breaks down.
Select Home Warranty
Select Home Warranty is a relatively new entrant to the home warranty market. They are accredited by the Consumer Affairs and have won many awards and accolades since opening their doors. They are also an official partner of the New York Jets.
Select Home Warranty offers three different plans named Bronze Care, Gold Care, and Platinum Care. Bronze Care covers several different appliances, while Gold Care covers different systems. Platinum care covers everything under Bronze and Gold Care, making it the most comprehensive plan out of the three available.
Claims can be opened online or by telephone 24/7. Once verified, a local professional will be tasked with carrying out the required repairs. A service fee is applicable to get the job done.
First American Home Warranty
First American Home Warranty offers several plans that may differ by area. Generally, however, they offer two plans – a Basic Plan and a Premier Plan.
Prices start from as little as $28 per month, but you will need to get in touch with them to see what it would cost you. They are accredited by both Consumer Affairs and the Better Business Bureau. They are also a member of the NHSCA.
The basic plan on offer covers some essential appliances. The premier plan, on the other hand, offers everything covered by the basic plan plus some major home systems. Either way, they cover appliances and systems regardless of age. Claims can be opened online or by calling their freephone number.
If something can’t be fixed, it will be replaced with a new one. In some cases, cash may be offered instead.
America’s 1st Choice Home Club
To help you get the right amount of coverage, AFC Home Club offers four different plans to choose from. They also offer the option to cancel at any time and have a B rating by the Better Business Bureau. AFC is also accredited by Consumer Affairs and Consumer’s Advocate.
You can choose from Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. Each plan builds upon the previous one adding more systems and appliances coverage. You can also get additional coverage for things not covered in any of the standard plans. When it comes to repairs, you can choose any technician you want as long as they are licensed and insured.
AFC Home Club also offers many other perks, including Club Benefits. This includes free credit monitoring and discounts on several things – from household supplies to dining out, among other things.
The Home Service Club
The Home Service Club has been around for ten years. They have two plans to choose from, making the process of choosing the right plan quite simple and straight forward. They have several awards under their belt with plans available for homeowners, buyers, and sellers alike.
The Standard Coverage plan covers nine different appliances and nine different systems. The Comprehensive Plan, on the other hand, covers the same number of appliances but increases the number of systems covered to 22. They promise easy service requests and fast response time. Should a replacement be required, the company will offer new, brand-name equipment only.
You can view a Home Service Club sample contract directly on their website, giving you an opportunity to see the type of coverage you will be offered when taking out a plan with them.
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty offers home warranties to a range of different clients. The list includes homeowners, real estate agents, home sellers, as well as builders. They have an A rating from the BBB and offer their coverage services in all states in the US.
They offer three types of coverages, including systems, appliances, and structures. They also offer many additional coverage options. These allow you to buy coverage for things that are not covered by the standard warranty plan. The company provides its own servicing contractors. You can also use your own provided you get prior approval before commencing any works.
You can get a quote online through their website. Once you take out a policy with 2-10, you will also get access to the homeowner portal, which you can use to request service, open claims, and view the status of your account.
Complete Protection offers many different plans that come with a few perks that many other companies don’t offer. This starts with no deductibles meaning Complete Protection will cover 100% of any approved repair costs, including parts and labor. They also have a blanket coverage policy – every part within a listed appliance is covered.
They offer four different warranty plans, and you can also create your own by choosing the appliances and systems you would like to see covered. There are also no service fees – so if a home appliance (say your air conditioner or dishwasher) breaks, you won’t need to pay for a preferred service provider to come out out of your own pocket.
The four pre-set plans include Essential, Advanced, Comprehensive, and Ultimate. There are five coverage areas that include services, air conditioning systems, appliances, plumbing, and electrical.
Prices start at $45 per month for the most basic plan and go up to $75 per month for the most comprehensive plan. You can also get a discount if you pay for a full year in advance.
Home Warranty of America
Home Warranty of America offers home warranties to homeowners as well as home sellers and buyers. They do not advertise their plans or pricing. Instead, you will need to get in touch with one of their experts who will guide you through the process.
To get a plan, you will need the size of your home, the type of building it is, and your ZIP code. Based on this information, HWA will tell you what plans are available to you. Their website also lists typical repair prices, giving you a better idea of how much you can expect to save by taking out a home warranty plan.
You can access your account through a web portal. Here, you can also file a claim. If you prefer to talk to their customer service team, you can call them up.
American Residential Warranty
American Residential Warranty offers some seven different plans to choose from, including bundle plans to help you get the right amount of coverage.
You can see the details of each plan, along with the monthly cost, easily on their website. Further information about the plans is just a phone call away. They also have a live chat option if you prefer not to call.
The available plans include many options such as Kitchen Plus, which covers major kitchen appliances and Platinum Premier. This is one of their comprehensive warranty plans covering appliances as well as systems. You can also get bundle plans that cover many different things to help you put your mind at rest.
Claims can easily be opened online. You need to select your state first, after which the appropriate form will be made available to you. ARW promises fast response times and trustworthy service. They are accredited by Consumer Affairs.
Amazon Home Warranty
Amazon Home Warranty (surprisingly, not affiliated with Amazon.com), offers nationwide home warranty coverage. They have an A+ rating from the BBB and enjoy a good reputation for their services. They offer home warranties to homeowners, realtors, contractors, as well as buyers and sellers.
They have three plans to choose from. The Essential Appliances Plan covers eight different appliances, while the Major Systems Plan covers eight different systems.
You can also get the Combo Plan, which combines the two plans into one. If the standard plans do not cover everything you need them to, you can also get optional additional coverage with many appliances and systems to choose from.
Amazon Home Warranty also offers 24/7 services with more than 40,000 service providers in their network ready to assist you.
Cinch Home Services
Cinch Home Services has been around for over 40 years. In this time, they have collected several awards, including Stevie Winner awards for sales and customer service. They are a fully accredited business and have an A- BBB rating.
Cinch offers three different protection plans, including one for appliances, one for built-in systems, and one that covers both. As you would expect, there are certain exclusions and limits. These can be found through the sample terms that Cinch Home Services publishes on its website.
Each plan comes with a number of benefits, including a workmanship guarantee of 180 days, coverage for pre-existing faults, and rust and corrosion coverage. You also get discounts on brand-name appliances when the ones you have reached their end of life or you’re looking for an upgrade.
Landmark Home Warranty
Landmark Home Warranty offers different plans depending on the state in which you reside. They also give customers access to an online dashboard. This can be used to manage your account, including open claims, and renew your plan. Once you open a claim, Landmark aims to assign you a contractor within 24 hours.
Generally, Landmark Home Warranty offers two plans. The most basic of the two is called the Home Systems Plan and covers many different systems. A step up is the Total Protection Plan, which covers everything under the Home Systems Plan but also adds appliances and a few other things.
If the plans on offer do not cover everything, there are also many different add-ons available to help you get even more coverage out of your home warranty plan.
Total Home Protection
Total Home Protection offers two different plans with some optional add-ons to help you get the coverage you need. Both plans include repair or replacement of the appliances and systems covered by the plan, regardless of their age.
Their plan might exclude certain components within a system or appliance, and their services are not available in California.
Home warranty plans come in 2 flavors – Gold and Platinum. The Gold plan is the most basic of the two, while Platinum offers wider coverage. There are also a number of options you can add to your plan. These cover additional items that are not covered by either of the standard plans available.
Total Home Protection is accredited by Consumer Affairs, and the company’s website features reviews by the customers.
Liberty Home Guard
Liberty Home Guard offers three plans, starting from just $1 per day. Like many other home warranty companies, they also have optional add-ons should you wish to extend your coverage. Their network includes some 10,000 technicians, all of whom must pass a rigorous vetting process to make sure they can produce good workmanship.
When it comes to plans, you can choose between Appliance Guard, Systems Guard, and Total Home Guard (you’ll find more detail about each plan on their website). You can also get a free quote online, and if it meets your expectations and is within budget, you can get coverage in minutes.
Liberty Home Guard also states that they have a technician on-site within 24 hours for the majority of approved claims, which is great should a vital appliance or system break down.
HMS Home Warranty
HMS Home Warranty offers coverage on plumbing, electrical, air conditioning, and several appliances. Claims can be opened 24/7 and can be done entirely online.
To learn more about the coverage on offer, HMS Home Warranty offers an interactive house plan. You can take a virtual tour while identifying systems covered by a typical policy.
Do keep in mind that actual coverage will vary by region. As such, it is important to make sure you get a personalized quote before deciding if this company is right for you.
HMS Home Warranty also offers Appliance Buyline, where you can get top brand appliances at discounted prices. Their claims process is very straight forward and transparent, so you will know what to expect should something break down.
HSA Home Warranty
HSA Home Warranty offers a few different plans that come with a one-year contract. They offer plans for Buyers only or Buyers and Sellers, with the latter offering even more coverage. You can also get a 7 Star upgrade. This includes coverage for several additional items not covered by the standard policies.
You can also find many add-ons with prices clearly marked so you can make the best choice for you. Plans are offered by state, but you can easily check this online through their website. Here, you can also order the plan of your choice, but registration is required.
HSA has been around since 1984, making it one of the oldest companies to offer home warranty services. You can also make an appointment with one of their local representatives, available in major cities across the nation.
OneGuard Home Warranties
OneGuard Home Warranties is active in only three different states; Arizona, Nevada, and Texas. They have three plans on offer and also provide sample contracts so that you can get a clearer idea of the coverage they include. They also have optional coverage with different items available according to the plan you sign up for.
The three plans on offer follow the same structure as most other others – one is for appliances, one for systems, and one that covers both. There is a service call fee, which is the same regardless of the plan you choose. Pricing for the plan may vary according to the size of your home.
Operating since 1990, OneGuard Home Warranties is accredited by the BBB as well as Consumer Affairs.
What Is A Home Warranty Plan?
Home warranty plans work just like a warranty on several home systems and appliances, as it covers repairs and replacements of your major appliances if they break or malfunction. Some of the covered items include fridges, dishwashers, sprinklers, ceiling fans, cooktops, smoke detectors, trash compactor, stoppages, and central vacuums.
How is it different from home insurance? Both are definitely worth having – but they offer different layers of protection. Home insurance essentially covers your actual home and offers financial Protection if it gets damaged (because of, say, vandalism, a flood, or a fire). A home warranty, on the other hand, is a service contract that covers your appliances and systems, and financially protects you if they need repair or replacement.
Each home warranty plan may cover different appliances and systems, as well as different faults. By having a home warranty plan, you can protect yourself from unexpected expenses when something breaks down. The good thing about home warranty plans is that they can be purchased at any time – so whether you’re home buyers, home sellers, or have just moved into a new home, you can still benefit from it.
Why Should You Get A Home Warranty Plan?
The answer is simple – you never know when things in your home may break down. While new appliances and systems come with warranties such as a manufacturer’s warranty, these typically expire within a year or two.
Once it does, repairs have to come out of pocket, which can be very expensive. Any of your home appliances can malfunction at any moment, taking you by surprise, and emptying your bank account.
By getting a home warranty plan, you can get such expenses covered by the plan with many home warranty providers, also offering a wide network of contractors who will do the repairs for you.
What Are The Plan Options?
Typically, you will find two different kinds of coverage – appliances and systems. The items covered will vary from one company to the next.
In most cases, the items covered will include:
- Water heater
- Air conditioning
- Well pump
- Garbage disposal
- Garage door opener
- Plumbing system
- Septic system
- HVAC system
Most items will be included by default or as an optional add-on, which costs extra.
Invest In A Home Warranty Plan To Protect Your Finances
Many of us live busy lives, juggling a hundred and one things at a time. The appliances and systems within our homes help us live the lifestyles we are so accustomed to.
When something like the heating system, clothes washer, or other major systems break down, this can represent big problems that are costly to fix. This is what makes home warranties something well worth our consideration. Not only do they save us money, but they can also help us get back up and running in no time.
When looking for a plan, make sure that it covers what is important to you. Here, add-ons can be a lifesaver. Make sure you get quotes from multiple companies and compare like with like to get the best deal possible.