Your home is your temple. It’s your sanctuary from the storm. Keep your home safe and in working order. You already have homeowners Insurance. Your mortgage company made sure that they were covered if there was an act of God, but who’s covering you? This is where you would want a home warranty plan. Home warranty plans work similarly to healthcare plans. They guarantee that you’ll be paying a low copay (in the form of service fee) every time a service technician comes to your home. They help pay for repairs, parts, and replacements if the unit or appliance can’t be fixed.
In This Article:
- Best Overall: Choice Home Warranty
- Most Generous Appliance Coverage: American Home Shield
- Most Bang for Your Buck: Select Home Warranty
- Best for New Home Sellers & Buyers: First American Home Warranty
- Most Flexible Repair Network: America’s First Choice
- Home Warranty Provider Comparison Table
- How Do Home Warranties Work?
- What Do Home Warranties Cover?
- Frequently Asked Questions
We’ve waded through plans, pricing, customer reviews, and service repair networks to give you a breakdown of the different home warranty companies. Keep reading to learn more about our top 5 picks.
Our Picks for the Best Home Warranty Providers
#1 Best Overall: Choice Home Warranty
We found Choice Home Warranty heads and shoulders above the competition. With Choice Home Warranty, you customize your plan and service contracts to fit your home’s needs. This provider has two plan options, plus optional add-on coverage.
Here are a few of the highlights for this provider:
- Highest number of 5-star ratings among customers
- 15,000 pre-screened technicians
- Personalized support team
- If their technicians cannot fix your appliance, they will replace it
- Customer service is available 24/7
- Your first month is free
#2 Most Generous Appliance Coverage: American Home Shield
American Home Shield has four different plans to choose from, one of which is focused on appliances. Additionally, AHS will remove and dispose of broken appliances, which is usually an extra expense with other providers.
Here are some highlights for American Home Shield:
- Nearly two million customers served across the U.S.
- Nearly 50 years worth of experience
- Paid out $2 billion worth of home warranty claims
#3 Most Bang for Your Buck: Select Home Warranty
Select Home Warranty offers coverage of certain items that many other providers don’t. For example, customers can get covered for roof leaks or septic systems. Their three plans cover the typical appliances and systems you see on a home warranty contract.
Here are a few of our highlights:
- 4.5-star rating on Consumer Affairs
- Local technicians
- Easy appliance repair and replacement process
#4 Best for New Home Sellers & Buyers: First American Home Warranty
First American offers plans specific to home buyers as well as home sellers, making it a great option for anyone going through a home transaction. They also cover improperly installed appliances and systems with the First Class upgrade.
These are our high-level points on First American:
- Unlimited request service calls
- Appliance protection guarantee
- 4-star rating on Trustpilot
#5 Most Flexible Repair Network: America’s First Choice
Unlike many other providers, America’s First Choice will allow you to choose your own repair person, as opposed to selecting someone from their approved network. This is great for homeowners who already have a favorite plumber or contractor.
Here are a few highlights:
- One month free
- $50 off when you sign up
- Affordable rates as low as $1 a day
- Signing up is fast and convenient
Home Warranty Provider Comparison List
Choice Home Warranty (Get a Quote)
- Best Overall
- 2 plans
- $75 service fee
- Covers 48 states
American Home Shield (Get a Quote)
- Most Generous Appliance Coverage
- 4 plans
- $75-$125 service fee
- Covers 49 states
Select Home Warranty (Get a Quote)
- Most Bang for Your Buck
- 3 plans
- $75 service fee
- Covers 39 states
First American Home Warranty (Get a Quote)
- Best for New Home Sellers & Buyers
- 2 plans
- $75-$100 service fee
- Covers 35 states
America’s First Choice (Get a Quote)
- Most Flexible Repair Network
- 4 plans
- $75-$125 service fee
- Covers all 50 states
How Do Home Warranties Work?
Your homeowners insurance will help you with repairs if there is a storm, fire, or large scale incident. Your appliances come with manufacturer warranties that will help with repairs that are caused by the manufacturer’s fault. However, the most common reason that you’ll need to call a maintenance specialist is because they have broken down over time. This is when having a home warranty company will save you hundreds, if not thousands of dollars each year. When your covered appliance or home system breaks down, call your warranty company, and they’ll quickly send out a specialist to fix whatever is wrong. If they cannot fix the problem, then they will help pay for a replacement.
What Do Home Warranties Cover?
You may be thinking, “My appliances are old. They won’t be covered under a home warranty plan.” But you’ll be surprised to learn that you cannot be turned down by the age of your appliances. As long as you have performed regular upkeep like cleaning the lint trap every time you use the dryer, your appliances will more than likely be covered.
A lot of companies separate plans based off of appliances and systems. But what home doesn’t have both central air and a refrigerator? Maybe in some historic homes, but they are very few and far between. We found that Choice Home Warranty has the best mix of appliances and systems in their Basic and then in their upgraded plan.
Choice Home Warranty’s Basic Plan includes kitchen appliances like a dishwasher, built-in microwave, stove range, and oven. You’ll appreciate having your water heater included in the basic plan. This covers every home system from plumbing to electrical.
When you upgrade to Choice Home Warranty’s Total Plan, you’ll have access to everything from the Basic Plan as well as additional systems like air conditioning. Larger appliances like the refrigerator and clothes washer and dryer are included. Choice Home Warranty also includes optional coverage. This gives you the ability to add on pool and spa equipment, central vacuum systems, sump pumps, roof leaks, and wells to a Total Plan.
In general, you can expect the following items to be covered in your home warranty:
- Kitchen refrigerator
- Built-in microwave
- Clothes washers and dryers
- Garbage disposal
- Trash compactor
- Instant hot water dispenser
- Central air conditioning
- Attic, ceilings and exhaust fans
- Electrical systems
- Garage door openers
- Central vacuum system
- Toilet tanks and bowls
- Plumbing systems
- Plumbing stoppages
- Water heater
- Circulating pump
- Sump pump
- Pressure regulators
Purchasing a service contract from a provider that doesn’t allow you to customize it can be logistically challenging. The best plan is the plan that works for your unique household needs.
Frequently Asked Questions
What makes a good home warranty company great?
You’ll want to make sure that your company has convenient hours for your needs. Appliances don’t always break down during banking hours. We choose Choice Home Warranty because they offer customer care support at all hours of the day every day of the year. Since there is always a copay when you have a service call, you’ll want to make sure the fee is affordable. Choice Home Warranty had one of the lowest copays we found for service calls.
The needed repair may be covered under your plan, but what will they do if they can’t find a service technician? Customers reported being able to hire their repairman and be reimbursed from Choice Home Warranty when they were in remote areas. Moreover, their network of over 15,000 service technicians can offer peace of mind when you need your air conditioning back and running in the middle of the summer.
The most important thing is to have the details of your plan in writing. Do you have written confirmation of the terms of your contract? If a company is hesitant to show you their terms up-front, chances are they’re hiding something. Putting the terms of the service contract in writing is good insurance that you'll be taken care of professionally and respectfully.
My house is new. Aren’t I covered over manufacturer warranties?
Even if the appliances in your home are brand new when it goes to market, it can take some time for a home to sell. That means those short-lived manufacturer warranties are ticking away. Moreover, they do not cover damage from wear and tear. They only cover the repairs if something went wrong on the manufacturing line, and they are at fault.
The best time to buy your home warranty plan is when you buy your home. You will receive some deep discounts if you call and speak with a customer service agent about your needs. Even if you perform regular upkeep and maintenance, you could still accidentally damage a washer door. That can be a $250 part paired with a couple hundred dollars for your repairman’s time. Don’t get stuck paying for repairs within the first few months of moving in.
I’ve never had a home warranty. Why get one now?
You will not be denied coverage based on the age of your appliances. That means it’s always a great time to get a home warranty plan. You know it’s only a matter of time until your water heater stops heating, or your AC breaks down from overuse in the dead heat of summer. A huge bill can put a damper on your vacation plans. A home warranty plan can help you keep your savings right where it belongs—in your bank account.
I’m selling my home. Why should I purchase a home warranty?
The last thing you want when you’re trying to sell your home is a huge repair bill. Moving expenses are already enough to deal with. Then having to pay for an electrician to come out and fix a faulty switch? You know the buyers are going to combing your place looking for anything to lower the price. Don’t give them a chance.
A study by the Service Contract Industry Council found that properties that come with a home warranty sell faster and for more money than their competitors. What a great advantage for a property flipper or real estate agent. Click here to find out if Choice Home Warranty is a good match for your property. They’ll have a personalized team to your account in no time ready to help transition the plan to the new homeowner.
Real estate agents and brokers can find many benefits for including a home warranty plan. They can work with Choice Home Warranty to find the right kind of plans to offer on all their homes at the right price. Selling homes with a quality home warranty plan will show your buyers and sellers that you care more than anyone else in the business. You want their home working for them.
What are the cost benefits of a home warranty?
- You can expect to spend between $317 to $1,287 if something happens to your electrical system.
- Your sewer can set you back anywhere from $2,560 to $2,892.
- A water heater problem ranges from $546 to $1,065 to replace.
Most American families are already living from paycheck to paycheck, and a $400 emergency bill can set them back. Meanwhile, going without hot water or working lights isn’t an option either.
Choice Home Warranty charges only $75 for a service fee—ask a technician for their hourly rate. You’ll find that alone is going to give you hundreds of dollars in savings throughout the year. Choice Home Warranty will assign you your personalized team ready to help with any needs that may arise throughout the year.
Get a Free Home Warranty Quote
Choice Home Warranty customer agents can get you started on a personalized plan to fit your home’s needs today. Call 848-256-4657 or fill out this form to get a free quote. Choice Home Warranty protection plans can be customized to include the systems or appliances that fit your home’s needs.
Ranker is committed to providing unbiased reviews of products and services. Our team has partnerships with certain companies, but this does not influence how we rate or rank the services or products offered. However, Ranker may receive a small share of revenue from a purchase made through these affiliate links.