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What’s the Best Home Warranty Company?

This post may contain affiliate links and we’ll be compensated if you make a purchase. This doesn’t affect rankings. Our review process.

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When choosing a home warranty company you need to do one thing: READ THE FINE PRINT. That’s “read the fine print” in case that was a bit too fine ;-).

Many customers find themselves frustrated with a company for not paying claims for appliance repairs or the replacement of systems. If the company refuses to pay for it, then there is most likely a written exclusion in your contract.

So before we go any further, promise you’ll read every word of your contract (and this review)?

Article Overview

What Is A Home Warranty?

Home warranty insurance protects you financially from certain defects or malfunctions that may occur after you have purchased your home. The idea, as with any insurance, is that through regular small payments, you’ll be protected from an unexpected, large, and potentially unmanageable financial bill.

What’s Covered in a Home Warranty?

Items covered will vary depending on the company and plan you choose. Common items include:

  • Appliances
  • HVAC
  • Plumbing system
  • Electrical system
  • Other appliances and systems.

Fortunately, with many options available, you can choose the right fit for you and your home.

What’s Not Typically Covered in a Home Warranty?

  • Roof
  • Fire damage
  • Flood damage
  • Other things typically covered by homeowners insurance policies

What is the Average Cost of Appliances and Systems?

Here is a table of average repair and replacement costs across the nation for some common household items. A home warranty plan could help you to avoid these types of unexpected expenses.

Household ItemEquipment CostRepair CostTotal Replacement Cost
Clothes Dryer$600$130$730
Clothes Washer$700$100$800
Refrigerator$1,100$150$1,250
Dishwasher$600$130$730
Oven/Range$800$115$915
Air Conditioner$2,200$300$2,500
Wall Furnace$2,700$115$2,815
Heating and Ductwork$2,900$390$3,290
Water Heater$800$90$890
Main Electrical Panel$700$210$910

Average Cost of Appliances Repairs vs Replace Infographic

Wondering if it it’s more cost effective to replace or repair an appliance? Use this graphic to see what you could be paying and how that compares to the cost of having a home warranty policy.

Average Appliance Repair Costs infographic

Best Home Warranty Companies

You might hear stories about a home warranty provider “fixing” your appliance or system and a couple of weeks later it’s broken again. Our reviews will help you find a provider who will fix it right the first time so it lasts.

TotalProtect Review

#1

Visit Website 

Total Protect (the same company as HMS Home Warranty) takes 1st place due to its customer service. From our research, they appear to resolve negative experiences in a timely fashion (as you read further in this article, you’ll notice a trend that customer service seems to be an issue for home warranty providers).

They also have a 180-day workmanship guarantee. TotalProtect is the only home warranty company that offers this guarantee.

Pros

Cons

  • 180-day guarantee on workmanship
  • It appears they are fairly responsive to negative reviews and try to remedy the issue
  • Good customer service
  • Covers a wide range of appliances and systems
  • File claims 24/7 online or on the phone
  • Available in 49 states (not Hawaii)
  • They go by many names so you may have to look under a different name to find them in your area
  • BBB rating: B
  • No “build your own” plan

TotalProtect is one product offered by Cross Country Home Services, Inc. (CCHS). Another well-known product in the CCHS family of brands is HMS Home Warranty.

Plans & Pricing

Homeowners can choose from a $75, $100 or $125 deductible. Selecting a higher deductible lowers your monthly premium.

Total Protect offers three coverage plans.

Appliances PlanSystems PlanCombo Plan
RefrigeratorGarbage DisposalCovers everything from both the Appliances and Systems plans.
Range/CooktopAir Conditioning (2 units)Also provides Homeowners Insurance Deductible Reimbursement up to $500 (one claim per 12 months)
Wall OvenHeating (2 units)
Range Exhaust HoodWater Heater
Microwave (Built-in)Toilets
Trash Compactor (Built-in)Plumbing Lines & Stoppages
Dishwasher (Built-in)Sump Pump
Clothes WasherWhirlpool Bath
Clothes DryerAttic/Whole House Exhaust Fan
Central Vacuum
Door Bells & Chimes
Garage Door Opener
Smoke Detectors
Main Breaker/Fuse Panel Box
Interior Electrical Lines
Interior Gas Lines

All plans also include:

  • Unknown pre-existing condition coverage
  • Rust and corrosion coverage
  • No annual aggregate caps
  • No inspections required
  • Option to cover additional items like pools and septic tanks

Discount

TotalProtect is currently offering our readers many great incentives: $100 off new combo warranty plans; your first month free on any plan; $50 gift cards and more! Just use this link to get started. You can also visit our dedicated TotalProtect coupon page to discuss offers.

Read our in-depth TotalProtect Review

American Home Shield Review

#2

Visit Website

American Home Shield is a well-known home warranty company, which is partially why they were chosen for 2nd place. However, almost 8,000 complaints have been filed with the Better Business Bureau. We understand that with any company there will be customers who do not like the service and with about 8,000 complaints, that’s much higher than other companies in this article. A large portion of these complaints object to the company’s failure to cover the cost of the full appliance or system.

This is why AHS didn’t get our #1 pick for best home warranty. However, if you read below, you will see that is not what AHS does. We think AHS could work on clearing up this misunderstanding with its customers.

Pros

Cons

  • More than 1 million homeowners covered
  • Receive discounts on appliances and air filters
  • Make a custom plan
  • Covers all appliances and systems regardless of age or make/model
  • Make a service request online
  • Over 40 years experience
  • BBB rating: B
  • AHS may choose to repair an appliance/system over and over instead of paying for a new one. So it may be a hassle for you if your item continues to break.
  • Some customers say they spend too much time on the phone trying to get a claim approved

Plans & Pricing

American Home Shield offers three trade service call fee levels. Some things you’ll want to remember are that you don’t pay for the actual repair or replacement cost for the covered items. Your contract will cover the repairs and replacements regardless of age, make and model.

  • $75
  • $100
  • $125

AHS offers four different home warranty plans to help protect your wallet. As with most of these companies, pricing is not available on the website in a generic format so you must input your information for a quote.

Both the Appliance Plan and System Plan cover the repair or replacement of the following items:

Appliance PlanSystems Plan
RefrigeratorAir conditioning (including ductwork)
DishwasherHeating (including ductwork)
Clothes WasherElectrical
Clothes DryerPlumbing
Range/Oven/CooktopWater Heater
Built-In Microwave OvenGarbage Disposal
Free-Standing Ice MakerInstant Hot/Cold Water Dispenser
Trash CompactorCentral Vacuum
Garage Door OpenerSmoke Detector
Built-In Food ProcessorDoorbell
Ceiling Fan

Select 10 or more items from the Appliance and/or Systems Plans to have covered. This way you aren’t paying for items that aren’t as important to you or that you don’t have.

The Combo Plan includes everything in the Appliance and Systems Plans (a total of 21 items). On average, you will save $14/month with this plan instead of purchasing the Appliance and Systems Plans separately.

Available Add-Ons

  • pool/spa
  • well pump
  • septic plumbing.

Discount

American Home Shield occassionally has seasonal discounts, visit our dedicated AHS coupon page to discuss current offers.

Read our in-depth American Home Shield Review

America’s 1st Choice Home Club Review

#3

Visit Website

New to our top three this year is America’s First Choice’s (AFC). Its website is well laid out and simple to digest. This company is also very clear about its offerings. With most companies you have to dig through pages of their website, place calls and request quotes to get the information you need.

AFC however, has all of their information right on their website. All you have to pay is a $60 service call fee per claim. This brings us to ask, are they too good to be true?

Pros

Cons

  • Cover your home systems and appliance despite their age and offer and unlimited number of repairs
  • Very clean and easy to use website
  • $7,500 limit of liability, AFC claims this is the highest in the market place
  • BBB rating: B
  • Available in 48 states
  • Mixed reviews by customers. Some love it while others hate it.
  • Not available in Alaska and Hawaii

Plans & Pricing

There are three plans offered by America’s 1st Choice.

BronzeSilverGoldOptional Add-Ons
Water Heater (Gas and Electric)Clothes DryerEverything from Silver and Bronze PlansDouble Oven
Air Condition/Cooler (1 Unit)Clothes WasherElectrical SystemPool Equipment
Heating System or Built-In Wall UnitRefrigeratorPlumbing SystemSpa Equipment
Water Heater (Gas and Electric)DuctworkWell Pump
OvenTelephone WiringSump Pump
RangeCentral Vacuum
Stove/CooktopStand Alone Freezer
DishwasherSecond Refrigerator
Garbage DisposalSeptic System
Garage Door OpenerDuplex
Triplex
Quadplex

Read our in-depth America’s 1st Choice Home Club Review

What Other Home Warranty Companies Did We Review?

Other home warranty companies we reviewed that did not make our top three list are below. To go directly to a company’s review, click on one of these links below.

2-10 Home Buyers Warranty | Buyers Protection Group (BPG) | Choice Home Warranty | Fidelity National Home Warranty | First American Home Buyers Protection | The Home Service ClubHSA Home Warranty | Home Warranty of America (HWA) | Landmark Home Warranty | Old Republic Home Protection | OneGuard Home Warranty | Select Home Warranty | Stanley Warranty

2-10 Home Buyers Warranty Review

2-10 Home Buyers Warranty logoVisit Website

2-10 Home Buyers Warranty states, “It says we are in the business of promises kept… and promises kept make our customers happy.” Unfortunately, customers don’t feel like they are getting the service they are promised according to reviews we’ve read online.

Pros

Cons

  • 24/7 customer service
  • 10-year new construction structural warranty that covers physical damage or defects to load-bearing parts of your new construction home including load-bearing walls and partitions, beams and girders, columns and floor and roof framing
  • BBB rating: A-
  • Goes into effect when other coverage runs out or expires, including manufacturer’s warranties or one-year workmanship coverage
  • Has covered 5.5 million homes
  • Customers complain that they don’t always honor the warranty agreement
  • Customers not always reimbursed for out-of-pocket expenses and if you are reimbursed it may take some time to get it

Coverage

Plumbing, Electrical Panel and Wiring, Refrigerator, Oven, Dishwasher, Furnace, Air Conditioner/Freon Split System, Hot Water Heater, Roof, Built-In Microwave, Disposal, Trash Compactor, Clothes Washer & Clothes Dryer

Buyers Protection Group – BPG Home Warranty Review

Buyers Protection Group logoVisit Website

Buyers Protection Group (BPG) seems to consistently let their customers down according to some review sites. They don’t have the best reputation that we can see, but somehow they have an A+ rating from the BBB, so they must be doing something right.

Pros

Cons

  • In business for more than 23 years
  • Can be transferred to a new homeowner if you sell your home
  • BBB rating: A+
  • Customers complain that they say they’ll cover a claim and won’t
  • Not the best technicians
  • Not available in all states (only 14)

Plans & Pricing

Prices and items covered vary depending on which state you live in. See BPG’s website to see pricing and items covered for your state. It’s in the Warranty Brochure PDF.

Choice Home Warranty Review

Choice Home Warranty logoVisit Website

Choice Home Warranty (CHW) is the least reputable home warranty company we have found in our research.

They have a government write-up on the BBB stating that they “alleged that CHW induced consumers to buy the so-called “home warranties” – which were actually service contracts – by stating they offered “comprehensive” coverage. The Division alleged that CHW then used deceptive tactics to deny consumers’ claims, such as denying claims if the consumers were unable to submit multiple years’ worth of maintenance records. As a result, consumers who paid hundreds of dollars for CHW’s “warranties” were required to pay out-of-pocket for air conditioning, refrigerator, or other repairs that were purportedly covered.”

This is a big claim to throw at a company and in our eyes Choice Home Warranty must have done some pretty awful things to their customers to deserve this type of accusation. Ask your neighbors as service can vary by location but you may want to consider other home warranty companies.

Fidelity National Home Warranty Review

Fidelity National Home Warranty logoVisit Website

Fidelity National Home Warranty can be a hit or a miss for customers. Some have been loyal customers for years filing many claims and being happy with their services, while others haven’t been so lucky. Depending on what your coverage needs are, Fidelity National Home Warranty may be a good fit for you and your home.

Pros

Cons

  • Covers any home, no matter its age
  • BBB rating: A+
  • Extra cost for refrigerator, washing machine/dryer and air conditioning coverage
  • Doesn’t reimburse you for services done outside of the contract
  • Only available in 7 U.S. states: CA, AZ, NV, TX, CO, WA and OR

Plans & Pricing

Fidelity National Home Warranty doesn’t clearly spell out any plans they have. Below is a list of the standard coverage offered by them, however, it may vary by state: plumbing system and stoppages, toilets, sump pump (permanently installed), bathroom whirlpool motor pump, recirculating hot water pump, water heater, heating and ductwork, electrical system, telephone system, central vacuum system, garage door opener, ceiling fans, attic and exhaust fans, smoke detectors, doorbells, dishwasher, range/oven/cooktops, built-in microwave, instant hot water dispenser and trash compactor.

The add-ons are an extra cost:

  • Kitchen Refrigerator
  • Clothes Washer
  • Clothes Dryer
  • Air Conditioning
  • Pool and Spa Equipment
  • Limited Septic and Roof Leak Repair

First American Home Buyers Protection Review

First American Home Buyers Protection logoVisit Website

First American Home Buyers Protection offers plans that become effective 30 days after enrollment. At the time of this writing, there are more than 2,600 complaints on the Better Business Bureau that have been resolved in the past three years. Reader feedback states they are displeased with their customer service from First American.

Pros

Cons

  • Over 30 years of service
  • Covers 35 of the 50 states, which is more than some companies
  • BBB rating: B
  • Reader feedback states that they have parts replaced over and over instead of getting a new appliance/system, which makes them go long times without their appliance/system working
  • A large portion of customer reviews online are negative
  • According to readers, over the phone communication with them can be lengthy and sometimes get you nowhere

Plans & Pricing

First American Home Buyers Warranty offers two different plans: Basic Plan and Premier Plan. The Premier Plan covers everything in the Basic Plan.

BasicPremierOptional Add-Ons
Range/Oven/CooktopEverything in the Basic planAdditional Refrigeration
DishwasherDuctworkWell Pump
Garbage DisposalGarage Door OpenerCentral Air Conditioner
Built-In MicrowaveElectricalPool/Spa Equipment
Trash CompactorPlumbing
Kitchen RefrigeratorPlumbing Stoppages
Ceiling/Attic/Exhaust FansHeating
Instant Hot Water DispenserWater Heater
Clothes WasherCentral Vacuum System
Clothes Dryer

The Home Service Club Review

Home Service Club Logo

Visit Website | Call: 800-823-6009

The Home Service Club (HSC) was previously a close 2nd for Best Home Warranty Company, but this year Total Protect and other companies leapt farther ahead, removing HSC from the top three.

HSC’s Better Business Bureau page raises some concerns for us in the customer service department. There have been a “pattern of complaints” regarding The Home Service Club’s response to customer concerns about repairs being covered or sometimes getting no response at all. HSC has told the BBB that it is trying to resolve these issues; however, until we hear better reviews from HSC customers we can’t recommend them.

Pros

Cons

  • Repairs and replacements occur quickly
  • Covers the appliance/system regardless of age, make or model
  • Does not offer service in California
  • BBB rating: D+
  • Many customer service complaints

Plans & Pricing

HSC has three options for trade service call fee payments. Basically, these work like deductibles. This fee is the amount you will pay out of pocket for a service call (other deductibles may apply as well, so again, please read your contract). Choosing a higher call fee payment will lead to a lower monthly warranty cost. The actual monthly price of your plan will depend on your location and other factors.

  • $65
  • $95
  • $125

Home Service Club offers two coverage plans, Standard and Comprehensive. With the Comprehensive Coverage homeowners get all the items in the Standard Coverage as well. HSC also offers additional add-ons that can be purchased individually.

Standard CoverageComprehensive CoverageOptional Add-Ons
Air ConditioningAlarm WiringAdditional Water Heater
Ceiling FansDoorbellsClothes Dryers
Central VacuumsDuctworkClothes Washers
Electrical SystemsGas LeaksDishwashers
Garage Door OpenersInstant Hot and Cold Water DispenserFreestanding Additional Refrigerator
Garbage DisposalPest ControlFreestanding Freezers
Heating SystemsPlumbing Stoppage CoverageFreestanding Icemakers
Plumbing Systems (Faucets)Recirculating Hot Water PumpJetted Bathtubs
Water HeaterSmoke DetectorsPool and/or Spa Equipment
Clothes DryerSump PumpRefrigerators - Built-In Units with Dual Compressors
Clothes WasherTelephone WiringRoof Coverage
DishwasherWater LeaksSewage Ejector Pump
Food Centers Built-InWhirlpool Motor and Pump AssembliesSpa and Spa Heater
Freestanding IcemakersWhole House Exhaust and Attic FansWater Softener
Microwave Oven Built-InWell Pump
Ovens/Ranges/Cooktops
Refrigerators
Trash Compactors

So, you will need to pick a service call fee amount (the lower the service fee, the higher the monthly fee) and pick a plan (standard vs. comprehensive) to get started. The least expensive option will always be the most expensive service fee and standard coverage.

Discount

Home Service Club occassionally has seasonal discounts, visit our dedicated HSC coupon page to discuss current offers.

Read our in-depth Home Service Club Review

HSA Home Warranty Review

HSA Home Warranty logoVisit Website

HSA Home Warranty is a hit or miss. Customers either have great service from HSA or horrible service. If you’re interested in HSA, we suggest calling and asking to speak with customers in your area. Seeing how they perform with customers near you will help you decide if they’re a good fit for you.

Pros

Cons

  • 7 Star Upgrade is a great offer: $250 credit towards permits, $250 towards code violations, removal & disposal of replaced equipment and more
  • BBB rating: B
  • Mixed reviews from customers. HSA either does a great job on a claim or does a terrible job, according to customers.

Plans & Pricing

Pricing and coverage vary based on location. Go on HSA’s site to see what they cover for your zip code.

Home Warranty of America Review

Home Warranty of America logoVisit Website

Home Warranty of America (HWA) is one of the largest sellers of home warranty services. HWA has received awards for its services and what we like best about them is that they are very transparent about their offerings.

HWA was close to making it to our top three this year but what it came down to was Total Protect’s desire to please their customers and their 180 day workmanship guarantee and AFC’s transparency.

Pros

Cons

  • 24/7 customer service
  • Majority of the reviews online are positive
  • BBB rating: B
  • Been in business since 1996
  • Coverage for all 50 states
  • Reports of technicians being unprofessional (this can vary on location)

Plans & Pricing

Service Fees are $75 each or the actual cost of replacement/repair, whichever is less. (This fee can vary by state.)

Although plans vary by state, HWA typically offers two different plans, which we have in the table below. Coverage for the plan may vary depending on where you live, but here are the basics.

PremierPremier PlusOptional Add Ons
HeatingAir ConditioningStand Alone Ice Maker
DuctworkIncreases Toilet Replacement up to $500Freezer
PlumbingPlumbing - Fixtures, faucets, shower heads, stopages/clogsPool/Spa
Stoppages/ClogsEverything in the Premier planWell Pump
ToiletSeptic Tank Pumping
Permanent Sump PumpSeptic System
Water HeaterRoof Leak Repair
Instant Hot Water Dispenser
Whirlpool Bath Tub
Electrical
Ceiling/Exhaust Fans
Door Bells, Burglar & Fire Alarm Systems
Central Vacuum
Dishwasher
Garbage Disposal
Built-in Microwave
Range/Oven/Cooktop
Trash Compactor
Garage Door System
Kitchen Refrigerator w/ Ice Maker
Washer/Dryer

Landmark Home Warranty Review

Landmark Home Warranty logo

Visit Website

Landmark Home Warranty has plans to expand nationwide but for now it is only available in six states. If you live in one of the six states Landmark offers coverage in, we recommend giving them a serious look. We found many positive reviews online for them and if they were nationwide, we’d consider them for our top three. Perhaps in the future you’ll see them towards the top of our article.

Pros

Cons

  • We found more positive than negative reviews
  • BBB rating: A-
  • Only available in 6 U.S. states: AZ, ID, NV, OR, TX and UT
  • Must upgrade to get appliances covered

Plans & Pricing

Below is an overview of the plans available. To see specifics, we recommend visiting Landmark’s website directly via the link above.

Home Systems Plan: $35/monthTotal Protection Plan: $56/monthPlan Add-Ons
Air ConditioningEverything from Home Systems PlanBooster Pump
HeatingCentral VacuumSalt Water Equipment
ElectricalGarage Door OpenerWasher/Dryer
Ceiling & Exhaust FansDishwasherSeptic System and Plumbing
Water HeaterGarbage DisposalExterior Pipe Leak Repair
PlumbingOven/Range-CooktopGarage Door Opener
Drain Line StoppagesBuilt-In MicrowaveSwimming Pool/Hot Tub/Spa
ToiletsKitchen Exhaust FanIce Maker
RefrigeratorGrinder Pumps
Washer/DryerWater Softener
Well Pump
Roof Leak Repair
Refrigerator

Old Republic Home Protection Review

Old Republic Home Protection logoVisit Website

Old Republic Home Warranty claims to be the third largest home warranty provider in the nation. We haven’t read the best customer service reviews and think they may need to focus more on their customers. After being in business for 40 years, we feel they should have a better reputation than what they have.

Pros

Cons

  • In business since 1974
  • Available 24/7 for your to report claims
  • BBB rating: A+
  • You don’t always get the best contractor
  • Many customers are displeased with their service
  • Only covers 23 of the 50 states

Old Republic Home Protection Coverage

Here is a list of some of the basics that Old Republic Home Protection covers. Based on your location more items are covered, but you will have to go to their website directly and choose your state to see what they have to offer for you.

  • Washer
  • Dryer
  • Kitchen Refrigerator
  • Enhanced Drain Line Stoppage Coverage
  • Garage Door Opener
  • Polybutylene Pipes

Read our in-depth Old Republic Review

OneGuard Home Warranty

OneGuard Home Warranty logo

Visit Website

OneGuard Home Warranty is relatively small compared to the other companies listed in this article. Since they’re smaller they have fewer customers, which should mean that they are able to spend more time on those customers to make sure that they have a good experience.

However, according to our research, their customer service reviews aren’t any better than the competition.

Pros

Cons

  • Received the Angie’s List Super Service Award in 2014 and 2015
  • Has an average response time of 1 business day
  • Only covers Arizona, Texas and Nevada
  • Not BBB accredited

OneGuard Coverage

OneGuard Home Warranty claims to cover all major home systems and appliances in addition to the following:

  • A/C & Heating System Tune-Ups
  • Sprinkler System
  • Termite & Pest Control
  • Weed Control

You can learn more about what OneGuard Home Warranty covers by going to their website and getting a quote.

Select Home Warranty Review

Select Home Warranty logoVisit Website

Select Home Warranty can get your appliance or system fixed quickly. However, getting in touch with them in the first place can be a difficult task. They don’t have the best reputation when it comes to responding to customers’ phone calls.

Pros

Cons

  • Make a claim 24/7
  • Takes care of your appliance/system in a timely fashion
  • Getting reimbursements and refunds can be a daunting task
  • Not the best customer service reviews
  • Not BBB accredited

Plans & Pricing

Select Home Warranty offers three different package to cover your home appliances and systems. Service fees are usually $60 but can vary based on your state. The Gold Care includes everything in the Bronze Care and the Platinum Care package includes everything from the Bronze and Gold Care packages.

 Bronze CareGold CarePlatinum CareOptional Add-Ons
Plumbing StoppageCheckmarkPool
Clothes WasherCheckmarkCheckmarkCentral Vacuum
Heating SystemCheckmarkCheckmarkSecond Refrigerator
Water HeaterCheckmarkCheckmarkSump Pump
Garbage DisposalCheckmarkCheckmarkWell Pump
Plumbing systemCheckmarkCheckmarkLimited Roof Leak
RefrigeratorCheckmarkCheckmarkStand Alone Freezer
Stove/OvenCheckmarkCheckmarkLawn Sprinkler System
Microwave Oven (Built In)CheckmarkCheckmarkSeptic System
CooktopCheckmarkCheckmarkIce Maker (In Refrigerator)
DishwasherCheckmarkCheckmarkPlumbing Fixtures/Lighting Fixtures
Clothes DryerCheckmarkCheckmarkAdditional AC Unit
DuctworkCheckmarkCheckmarkAdditional Heat/Furnace
Garage Door OpenerCheckmarkAdditional Water Heater
A/C, CoolingCheckmarkCheckmarkSpa
Electrical SystemCheckmarkCheckmark
Ceiling FanCheckmarkCheckmark

Read our in-depth Select Home Warranty Review

Stanley Warranty Review

Stanley Warranty logoStanley Warranty was previously in this comparison but has terminated its services.

Which Home Warranty Company Should I Pick?

Of utmost importance is to remember that your home has specific appliances and systems that you want to be sure are covered. So, when you’re talking to representatives from each company, be sure to ask about your specific needs. The more questions you ask the better off you are and the fewer surprises you will have later down the road. Look at multiple companies, ask for quotes and most importantly, read the fine print!

Is a Home Warranty Worth It?

We believe that when a major (and expensive) appliance breaks down, any homeowner will be glad they have a home warranty in place. Does this mean it is a right fit for everyone? Of course not, but for a small monthly fee it may offer the peace of mind you are seeking. Learn more in this video from Angie’s List.

Learn More About Home Warranties

We know that’s a lot of companies to consider so take your time when doing your research. We also encourage you to reference our entire list of home warranty providers here to see which states they offer policies in to make sure they cover your area. And if and when the time comes that an appliance breaks down, reference our article on average appliance repair costs to see if it might be worth getting it fixed versus a new one.

Have a home warranty? Share your experience below.

Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

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25 Comments on "What’s the Best Home Warranty Company?"

newest oldest most voted
Jacki
have been an AHS customer for years but have been looking at another company with smaller copays…has anyone had experience with American Residential Warrenty?? they sure talk a good talk but reviews are very mixed
I had worsts service from Choice Home Warranty. My water heater broke and found it’s not covered. In past also I end up paying for garbage disposal $75. 00 for partial cost to replace it. I also have houses and will not do the business with them in future. Sales people answer the phone less than 3 minutes and service call about 60 minutes.
Josh
I just had a horrible experience with Choice Home Warranty. I signed up for this warranty service for two homes. They said it would be free to cancel within 30 days. They also said that the thing a lot of people like about them is the ability to call your own technician. What they don’t tell you is that you can cancel within 30 days minus a $50/contract administrative fee. And the thing about using your own technician is BS. They will pay for their rates and their product cost for your technician. That said, their first reaction when the technician told them that my compressor was bad and needed to be replaced was to deny the claim because it wasn’t “normal wear and tear”. How is it not normal wear and tear when a compressor is short to ground? I’ve cancelled my warranties with them and would not recommend them to anyone.
Please be aware & tell all you know!!!I was billed for services that were not done by LMW hired trade (the trade admitted the mistake / DNB Plumbing).
Related: Landmark Home Warranty – Don’t buy a home warranty from Landmark

I paid $70 (service call) and then an additional $473 and Landmark Warranty did nothing about it even after knowing that I was charged for services not done. Worse, they back up their trade for what they did! I tried to give LMW an opportunity to do the right thing, but they refused to do so! LMW refused to pay for standard installation on a water heater by claiming modifications were done, which were not.
I am still out what I paid for services not done!landmarkhw.com
Review about: Landmark Home Warranty Home Warranty.
Reason of review: Poor customer service.
Monetary Loss: $473.
Preferred solution: Full refund.
I didn’t like: Does not honor their sales pitch, Fraud, Poor service, Fail to honor warranty contract.

Earl
I’ve used Old Republic for at least 10 years, on two homes. They’ve been fantastic! $75 service calls, and it’s done. I pay $575 per year to cover a 3200 sq ft home in San Antonio. I’m only researching others in the industry, to see the difference.
Talitha
American Home Shield has been terrible for us. We had three homes under warranty with them. They don’t communicate or respond. I’ve spent about 15 hours on the phone with them between being on hold and being shuffled around. They used administrative fees to try to keep me from canceling. I was so done with them that I would have payed never to have to talk to them again! I actually did have to pay $25 on one because it was month by month:-( awful customer service and coverage!
Burnt
How about going a serve to protect the Poor Contractor that wants to try to make a living so signs on to these Home Warranty companies to try to make so extra money to provide for their family and then to find out that these companies won’t pay you for the jobs that you did for them? Choice Home warranty is one of the biggest rip – off companies. Also these companies decide on their own on how long a job should take to complete and also they don’t expect you to make a profit on the parts you by to fix the homeowner’s appliance. There has been times when it has taken of research just to locate a part and the poor contractor just has to eat the cost of the time wasted looking for the correct part.
Christopher
That’s good to know as I was contemplating going with choice! i’m glad that I read your review! Thanks!!
John Gregg
Buyer beware.  Avoid First American Home Warranty.Very poor service from the beginning of the claim in February.  Customer service representatives are poorly trained and if they dont know an answer will just lie.  At one point I was told by a supervisor “I dont know what to tell you”, while people yelled and cussed in the background.  I am waiting on a reimbursement check for a replaced hot water heater and have been told three different stories concerning when it was mailed.  Only to find out it was never mailed.  Buyer beware.  A good home warranty is great, but you wont find that with First American
guest
We had a very good experience with BPG. Would buy from BPG again if needed and I would recommend them based on my experience with them.
Secure Home Warranty is also horrible. They say they cover refrigerator but when it goes out, they say they do not cover sealed systems for refrigerators. As far as I am concerned, all parts of a refrigerator are sealed other than lightbulbs and door handles. WTF
siborg613
I just signed up with American General Warranty company, partly because they had an aggressive Black Friday promotion, but I do not see much about them online, nor in your report. Has anyone ever heard of them?
Matt B
I was very excited to see HMS on this list. They have been fantastic to me from the start and I have used them for roughly 2 years at this point and have not had a single problem with them. I would definitely recommend checking them out.
jessa
I have them now but do not see them on the list???
Alex Schenker
Hi Jessa, HMS is owned by the same company as Total Protect, Homesure of America, Inc. We mention this in our Total Protect review above. On their BBB page you can see dozens of alternate names they go by (this is not uncommon in this industry and is often the result of M&A activity).
Logan Geist
This website looses credibility listing HMS as a top choice.
1. Customer service is terrible
2. Provider network is terrible
3. Claims process is terrible
4. I’ve shared many specific complaints with them about their processes, they don’t care.
5. When needing my issue escalated, the “Regional Manager” made it worse. He accepted no accountability for himself or his company, made sly attempts to throw everyone else involved under the bus, and then transitioned to selling me more services.
6. A company that operates with so many subsidiary names and organizations, as this article claims, only increases the risk factor with this company.
7. After posting complaints online I did have a gal call and resolve my issue to the best of her ability within her companies flawed policies. She was the first company representative that was respectful and accepted some ownership.
8. If this company has such a great system for resolving complaints, as this article claims, wouldn’t a better company focus their energies on creating systems that prevent the complaints in the first place?
Heather B
Total Protect does not have an A rating with BBB as you state.
Claire
I’m in the process of buying a house right now and the home comes with a 12 month HSA Home Warranty. I’m happy to have the home warranty but I’m nervous that it may not be the best one. Hopefully it’s good in my location!
James
DAY 7 – Just got off the phone with Anna, submitted claim for microwave (which had actually been failing for several weeks) and oven, tech came 2 days ago and said neither could be repaired (units too old, parts not available) and would need to be replaced. Did not hear from HSC so after 2 days of tech visit I called and they said they were still working on determining how to handle a case that involves units too old to get parts for (hard to believe a home warranty company has not dealt with this scenario many times before). Appears they do not want to replace units although that is the only option. Anna refused to give me a time line of when I could expect to hear back, three days from Memorial Day weekend without oven or microwave and HSC completely indifferent. Not understanding the point of having this warranty.

DAY 8 – Great company at collecting your monthly payments but will throw up many, many reasons why not to honor contract. Unit too old, unit too new, unit not available, no parts number – unit worth less then ineluctable. Yes my personal favorite submitted a claim for an oven and microwave and am being advised that although both units were top of the line when purchased now Home Service Club values them at less than my deductible, so I guess I owe them for having the great please of spending hours on the phone. No point of contracting with this company.

DAY 9 – THIS IS A HORRIBLE COMPANY. Received an email from their fraud department saying my account was being investigated (clearly an attempt to black mail and intimidate) but they would give me $95 to replace my built in microwave and $312 to replace my built in oven. How or why they came up with those figures they could not say. Where the contract states “HSC will pay up to $500 per each twelve month period” for the microwave and “HSC will pay up to $750 per each twelve month period” for the oven. Some how it does not apply to me.

John R.
Having owned several homes over the years I have sued a few of these companies and all I can say it to limit your expectations. Yes, they will cover some things and others no way, but its not super expensive. Go for one that is affordable and has great customer service.
vailgal
I have been reading effortlessly for a home warranty company after being really hoodwinked by a highly rated company that I was with for years on three homes in Pima County, AZ. Someone out there must know of a great warranty company that a disabled senior citizen can afford, please help! I do not have all the fancy tubs, spas, etc. Need coverage for AC/heating unit, kitchen appliances (all),garage opener, water heater, washer/dryer,plumbing and possibly septic. Mainly the items that are needed for daily living! For crying out loud, come on Home Warranty companies – how about helping out the Consumer for a change. If you are a good company, you’ll make plenty of money. Seems that’s all you care about is the buck. If cost is reasonable and good work, trust me, you will go viral in no time. You will be very well off. People today work hard, as I did for almost 60 yrs. Help all of us out, be honest and fair. We sure are with you! Thank you kindly, hope I get a positive reply via email.

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