Money & Finance

Best Home Warranty Companies: Choice Vs First American Vs Old Republic Vs Fidelity Vs HSA & More

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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 committing to a home warranty provider, promise you’ll read every word of the contract.

Our experts have gone the distance to find out which home warranty company provides the most reliable service and the least deceptive contract. We’ve reviewed over a dozen providers and counting! You’ll find out what’s covered, the average cost of repairs, pricing plans, one-on-one comparisons, real user feedback, and more.

Home Warranty vs Homeowners Insurance

home warranty (also called home appliance insurance or appliance insurance) gives you financial protection against broken systems and/or appliances. Home warranty insurance is designed to provide coverage for appliances and systems that break due to normal wear and tear, whereas homeowners insurance would pay for them if they’re damaged by fire, tornado, etc.

Homeowners insurance gives you financial protection against disasters (i.e., fires, tornadoes, etc.). It provides coverage for the house itself (the structure) as well as for the contents (appliances, electronics, clothes, etc.). However, not all disasters are covered.

For example, you must purchase separate policies if you’re seeking earthquake and/or flood coverage. If there’s a disaster due to poor maintenance on the homeowner’s end, it won’t be covered.

Home insurance also covers damage caused by pets who reside there because they’re technically your property from an insurance perspective. If a disaster like a fire occurs, the home itself and the items inside it are insured as well as any injuries to people within the home for which you are legally responsible.


Dishwasher with dishesLet’s look at an example to provide more clarity around these types of products. If you move into a new home and the dishwasher stops working 6 months later, your homeowners insurance policy won’t pay for it to be repaired or replaced. However, a home warranty may cover that repair/replacement if you’ve opted to gain this coverage. In most cases, you pay an initial deductible, and the rest of the cost is covered by the home warranty company.

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’s The Average Cost Of Appliances & Systems?

Here’s 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 Item Equipment Cost Repair Cost Total 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’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 Cost Of Appliances Repairs vs Replace Infographic

How Does A Home Warranty Work?

A home warranty works like most other insurance plans. You pay a monthly fee for coverage, and if an appliance or system breaks that you have covered, you only have to pay the deductible (or in this case, service call fee) and the rest is paid by the home warranty company.

What’s the catch? The company you choose for your home warranty has the option to either fix the broken appliance/system or buy a new one. Unfortunately, some companies choose to fix the appliance/system over and over instead of just replacing it with a new one. This can be very time consuming and headache-inducing for you, the homeowner, who just wants a house with working pieces and parts.

How Much Does The Typical Home Warranty Cost?

The monthly premium is based on your location, home criteria, personal information, etc. This cost typically ranges from around $30 to $60 per month depending on the level of home warranty plan you choose. Sometimes companies give discounts on the first year of service, so it may be even less.


You pay the monthly premium every month to keep your home warranty in service. You can also sometimes get a discount if you’re willing to pay an annual premium upfront for the entire year instead of monthly installments so be sure to ask if this is an option.

The other primary cost is the service call fee or deductible. This is what you pay when a service professional comes to your home and inspects your appliance/system to determine if it needs repair or replacement. The service fee will generally be one set fee; the higher the service call fee or deductible, the lower the price you should expect to pay for your monthly premium.

Service call fees average in the $60-$125 range but can be more or less. You only pay the service call fee when you file a claim, and a repair person visits your home to consider for repair or replacement. At that time, you pay the service call fee, and the rest of the repair/replacement is covered — whichever they deem necessary.

Each company is different, and there could be other fees associated with your home warranty plan. Please read your contract carefully.

Best Home Warranty Companies

Handyman jumping in front of house: Home Warranty CompaniesYou 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.

Keep In Mind…

These companies are difficult to rank because the reviews are less than outstanding for most national and regional companies. But that may also be because everyone wants what’s broken fixed asap and effectively the first time, and it’s not always so black and white when it comes to appliance repairs.

Read our reviews, ask your neighbors for recommendations, and rest assured that should something break, you’ll have a solution that’s better than dealing with it (and paying for it) on your own.

Winner: American Home Shield Review

Visit Website

American Home Shield is a well-known home warranty company, and we like that you can customize your plan to best serve which appliances you want covered to fit your budget.

While viewing its BBB page, we noticed it has more than 11,000 complaints. However, we’re also keeping in mind that this company is widely used and has a larger customer base than the majority of the companies reviewed 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 isn’t an uncommon practice in the home warranty field, and companies often repair an appliance or system over and over instead of replacing it. American Home Shield has responded and resolved the majority of these complaints.

With more than 45 years in business and 1.8 million homeowners covered, there’s a reason people choose American Home Shield for their home warranty. There are multiple plans to choose from, and your appliances and systems will be included regardless of their age, make and model.



  • More than 1.8 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 45 years of experience
  • BBB rating: B
  • Available in 49 states (not Alaska)
  • 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 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 that.

    • $75
    • $100
  • $125

AHS offers 4 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 Systems Plan and Appliances Plan cover the repair or replacement of the following items:

Systems Plan Appliance Plan
Air Conditioning w/ Ductwork Refrigerators
Heating w/ Ductwork Ranges/Ovens/Cooktops
Electrical Clothes Washers
Doorbells Clothes Dryers
Smoke Detectors Dishwashers
Ceiling Fans Built-In Microwave Ovens
Plumbing (Including Stoppages) Trash Compactors
Water Heaters Free-Standing Ice Makers
Garbage Disposals Garage Door Openers
Instant Hot/Cold Water Dispensers Built-In Food Centers
Central Vacuums

The Combo Plan includes everything in the Appliances and Systems Plans (a total of 21 items). On average, you’ll save $14/month with this plan instead of purchasing the Appliances and Systems Plans separately. American Home Shield also offers a Build Your Own Plan.

Available Add-Ons

  • Electronic Extended Warranty
  • Pools & Spas
  • Well Pump
  • Septic Pump
  • Guest Unit

Read Our In-Depth American Home Shield Review

Runner-Up: America’s 1st Choice Home Club Review

Visit Website

America’s 1st Choice (AFC) Home Club’s 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 Home Club, however, has all of their information right on their website. All you have to pay is a $75, $100 or $125 service call fee per claim. This brings us to ask, are they too good to be true?



  • Covers your home systems and appliances despite their age and offers an unlimited number of repairs
  • Very clean and easy-to-use website
  • $7,500 limit of liability — AFC claims this is the highest in the marketplace
  • BBB rating: B
  • Available in 48 states
  • Mixed reviews by customers; some love it while others hate it
  • Not available in Alaska and Hawaii
  • No custom plan

Plans & Pricing

America’s 1st Choice offers 4 plans and several add-on options.

System Silver Gold Platinum Optional Add-Ons
Air Conditioning/Cooler Clothes Dryer Everything in System Plan Everything in Gold Plan Sump Pump
Heating Systems Clothes Washer Everything in Silver Plan Plumbing Stoppages Septic System
Water Heater Kitchen Refrigerator Built-In Microwave Hot Water Dispenser
Electrical System Oven Ice Maker Pool & Spa
Plumbing System Range Stand Alone Freezer
Ductwork Stove/Cooktop Tankless Water Heater
Dishwasher Central Vacuum
Garbage Disposal Well Pump
Garage Door Opener

Read Our In-Depth America’s 1st Choice Home Club Review

3rd Place: The Home Service Club Review

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The Home Service Club (HSC) has a 30-day work guarantee for labor and 90 days for parts. This can give homeowners extra peace of mind knowing that the work HSC does on their system or appliance is guaranteed for that period.

HSC is one of the few companies that offers coverage nationally and not just in a select few states. Reviewers state that it’s good about repairing or replacing items in a more timely fashion than other companies we’ve reviewed.



  • Repairs and replacements occur quickly
  • Covers the appliance/system regardless of age, make or model
  • Offers coverage in 49 out of 50 states

Plans & Pricing

HSC has 3 options for service call fee payments. These work like deductibles. This fee is the amount you’ll 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.

Standard Coverage Comprehensive Coverage
Refrigerators Checkmark Checkmark
Ovens, Ranges, Cooktops Checkmark Checkmark
Dishwasher Checkmark Checkmark
Clothes Washer Checkmark Checkmark
Clothes Dryer Checkmark Checkmark
Freestanding Icemakers Checkmark Checkmark
Microwave Oven Built-In Checkmark Checkmark
Trash Compactor Checkmark Checkmark
Food Centers Built-In Checkmark Checkmark
Air Conditioning Checkmark Checkmark
Heating Systems Checkmark Checkmark
Electrical Systems Checkmark Checkmark
Water Heater Checkmark Checkmark
Plumbing Systems Checkmark Checkmark
Garbage Disposal Checkmark Checkmark
Garage Door Opener Checkmark Checkmark
Ceiling Fans Checkmark Checkmark
Central Vacuum Checkmark Checkmark
Plumbing Stoppage Checkmark
Ductwork Checkmark
Pest Control Checkmark
Gas Leaks Checkmark
Whirlpool Coverage Checkmark
Alarm Wiring Checkmark
Telephone Wiring Checkmark
Smoke Detectors Checkmark
Exhaust/Attic Fans Checkmark
Sump Pump Checkmark
Doorbells Checkmark
Hot Water Pump Checkmark
Hot/Cold Water Dispenser Checkmark
Pool Coverage Optional Optional
Sprinkler System Optional Optional
Roof Coverage Optional Optional
Freestanding Freezer Optional Optional
Spa Optional Optional
Refrigerators Built-In Units with Dual Compressors Optional Optional
Sewage Ejector Pump Optional Optional
Water Softener Optional Optional
Well Pump Optional Optional
Jetted Bathtub Optional Optional
Utility Line Coverage Package* Optional Optional

*Utility Line coverage includes:

  • Outside water line
  • Outside gas line
  • Outside electric line
  • Outside sewer line
  • Grinder pump
  • Sprinkler system

So, you’ll 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.

Read Our In-Depth Home Service Club Review

What Other Home Warranty Companies Did We Review?

Here’s 10 more home warranty companies our readers have requested we look into. Don’t see yours? Let us know in the comments.

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’re getting the service they’ve promised according to reviews we’ve read online.



  • 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 aren’t always reimbursed for out-of-pocket expenses, and if you’re compensated, it may take some time to get it


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

Choice Home Warranty Review

Choice Home Warranty logoVisit Website

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

They have a government write-up on the BBB website 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.

Choice Home Warranty also operates under the name InHome Warranty.

Cinch Home Services Review

Cinch logo

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Cinch Home Services has gone by many names in the past, most recently TotalProtect. We aren’t fans of their frequent rebranding because it can make it difficult to get a true picture of their reputation. We have concerns that this might make it easy for them to hide negative reviews by changing the company name.

However, it does have some things going for it. It’s the only home warranty company that offers a 180-day service quality guarantee. It also covers a variety of appliances and systems.



  • 180-day service quality guarantee
  • Covers a wide range of appliances and systems
  • File claims 24/7 online or on the phone
  • Available in 48 states
  • BBB rating: B
  • They go by many names so you may have to look under a different name to find them in your area
  • Deductibles are higher than competitors
  • No custom plan
  • Many complaints on the BBB page
  • Not available in Alaska or Hawaii

Cinch Home Services 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

All plans come with a $100, $125 or $150 deductible. Cinch Home Services offers three coverage plans: Appliances, Built-In Systems and Complete Home. Complete Home includes everything in the Appliances and Built-In Systems plans as well as a homeowners insurance deductible reimbursement.

Appliances Built-In Systems
Clothes Dryer Air Conditioning Including Ductwork
Clothes Washer Attic Fans
Cooktops Ceiling Fans
Dishwashers Central Vacuums
Food Centers (Built-in) Doorbells
Freestanding Ice Makers Electrical System
Microwaves (Built-in) Garage Door Openers
Ranges Garbage Disposals
Range Exhaust Hood Heating System Including Ductwork
Refrigerators Instant Hot/Cold Water Dispenser
Trash Compactor (Built-in) Plumbing System
Wall Oven Smoke Detectors
Sump Pump
Water Heater
Whirlpool/Jetted Tup (Built-in)

Read Our In-Depth Cinch Review

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.



  • 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 seven 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 they offer; 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

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.



  • 7 Star Upgrade is a great offer: $250 credit towards permits, $250 towards code violations, removal & disposal of replaced equipment and more
  • 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 to 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.



  • 24/7 customer service
  • Majority of the reviews online are positive
  • 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.

Premier Premier Plus Optional Add Ons
Heating Air Conditioning Stand Alone Ice Maker
Ductwork Increases Toilet Replacement up to $500 Freezer
Plumbing Plumbing – Fixtures, faucets, shower heads, stopages/clogs Pool/Spa
Stoppages/Clogs Everything in the Premier plan Well Pump
Toilet Septic Tank Pumping
Permanent Sump Pump Septic System
Water Heater Roof Leak Repair
Instant Hot Water Dispenser
Whirlpool Bath Tub
Ceiling/Exhaust Fans
Door Bells, Burglar & Fire Alarm Systems
Central Vacuum
Garbage Disposal
Built-in Microwave
Trash Compactor
Garage Door System
Kitchen Refrigerator w/ Ice Maker

Landmark Home Warranty Review

Landmark Home Warranty logo

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Landmark Home Warranty has plans to expand nationwide, but for now, they’re 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 toward the top of our article.



  • Only available in six U.S. states: AZ, ID, NV, OR, TX and UT
  • Must upgrade to get appliances covered

BBB Government Action

There is a government action posted on their BBB page, which is never a good thing (involving business’ marketplace conduct). Arizona Attorney General v Landmark Home Warranty, LLC.

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/month Total Protection Plan: ~$55/month Plan Add-Ons
Air Conditioning System Everything from Home Systems Plan Booster & Well Pump
Heating Built-In Microwave Built-In Microwave
Electrical System Central Vacuum Dishwasher
No Fault Coverage Dishwasher Exterior Pipe Leak Repair
Plumbing System Garbage Disposal Freestanding Ice Maker
Air Conditioning Tune-Up Kitchen Refrigerator Freezer (Stand Alone)
Pest Control Oven/Range/Cooktop Garage Door Opener
Re-Key Service Washer/Dryer Garbage Disposal
Subterranean Termite Treatment Garage Door Opener Grinder Pumps
Guest House
Kitchen Refrigerator
Pool & Hot Tub
Roof Leak Repair
Septic System
Water Softener
Well Pump
Wet Bar 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.



  • In business since 1974
  • Available 24/7 for you 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


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

  • 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

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OneGuard Home Warranty is relatively small compared to the other companies listed in this article. Since OneGuard is a smaller company, it has fewer customers. This should mean that they can spend more time with 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.



  • Only covers Arizona, Texas and Nevada


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.



  • Getting reimbursements and refunds can be a daunting task
  • Not the best customer service reviews

Plans & Pricing

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

Bronze Care Gold Care Platinum Care Optional Add-Ons
Clothes Washer Checkmark Checkmark Central Vacuum
Garbage Disposal Checkmark Checkmark Well Pump
Refrigerator Checkmark Checkmark Stand Alone Freezer
Stove/Oven Checkmark Checkmark Lawn Sprinkler System
Microwave Oven (Built In) Checkmark Checkmark Septic System
Cooktop Checkmark Checkmark Ice Maker (In Refrigerator)
Dishwasher Checkmark Checkmark Plumbing Fixtures/Lighting Fixtures
Clothes Dryer Checkmark Checkmark Additional AC Unit
A/C, Cooling Checkmark Checkmark Spa
Heating System Checkmark Checkmark Second Refrigerator
Plumbing System Checkmark Checkmark Limited Roof Leak
Electrical System Checkmark Checkmark Additional Water Heater
Water Heater Checkmark Checkmark Sump Pump
Ductwork Checkmark Checkmark Additional Heat/Furnace
Plumbing Stoppage Checkmark Pool
Garage Door Opener Checkmark
Ceiling Fan Checkmark

Read Our In-Depth Select Home Warranty Review

Availability By State

Below is an alphabetical listing of home warranty companies and their availability by state. You can click on those we’ve reviewed for more details.

  • 2-10 Home Buyers – Available in all 50 states
  • Advanced – Available in all 50 states
  • Allied – Available in all 50 states
  • America’s 1st Choice (Runner-Up) – Available in 48 states (not AK or HI)
  • American Home Guardian – Available in AZ, NV, ID, UT, and TX
  • American Home Shield (AHS) (Winner) – Available in 49 states (not AK)
  • American Residential – Available in all 50 states
  • Assurant Solutions – Available in FL, KY, GA, OR, PA, SD, and TX
  • Choice (InHome) – Call for availability
  • Cinch Home Services – Available in 48 states (not AK or HI)
  • Delta Home Protect – Available in all 50 states
  • Federal Home Assurance – Available in 48 states (not CA or FL)
  • Fidelity National – Available in CA, AZ, NV, TX, CO, WA, and OR
  • First American Home Buyers – Available in 35 states
  • Home Service Club (Third Place) – Available in 49 states (not CA)
  • Home Warranty Of America – Available in all 50 states
  • HomeServe USA – Available in all 50 states
  • HSA – Enter your zip code for availability
  • Landmark – Available in AZ, ID, NV, OR, TX, and UT
  • Nationwide – Available in all 50 states
  • Old Republic – Available in 23 states
  • OneGuard – Available in AZ, TX, and NV
  • Secure – Available in all 50 states
  • Select – Call for availability

Any companies we missed? Let us know in the comments.

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’s the right fit for everyone? Of course not; but for a small monthly fee, it may offer the peace of mind you want. Learn more in this video from Angie’s List.

One-On-One Comparisons

Check out these individual comparison articles, so you can see how some of the most popular home warranty companies stand up side by side.

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’ll have later down the road. Look at multiple companies, ask for quotes and most importantly, read the fine print!

Burglar breaking into house tracking on smart phone app (caption: What’s The Best Home Security System In 2020)How To Get A Discount On Your Homeowners Insurance

Having a home warranty won’t get you a discount. But having a home security system will! Our experts have reviewed the top home security companies an go over features, pricing, pros, cons, and real user feedback.


Kimberly Alt

Kimberly is our home security expert and has been writing about security and safety since 2013, covering everything from security systems and home automation to identity theft protection, home warranties, medical alert systems, and more. She has personally tested hundreds of system components and interfaced with dozens of home security companies to find out what’s happening behind the scenes. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post. In 2018, she had her first child, which opened up a whole new avenue of security experience with baby gear. She wanted to purchase the safest items for her family. Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. Her natural curiosity helps her research as she seeks the truth when learning about, comparing, and personally testing products and services.
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