What’s The Best Home Warranty Company? Over A Dozen Providers Reviewed

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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.

Article Overview

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.

Example

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 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’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

To share this infographic on your site, simply copy and paste the code below:

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 It 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.

Tip

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.

American Home Shield Review

#1

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.

Pros

Cons

  • 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 PlanAppliance Plan
Air Conditioning w/ DuctworkRefrigerators
Heating w/ DuctworkRanges/Ovens/Cooktops
ElectricalClothes Washers
DoorbellsClothes Dryers
Smoke DetectorsDishwashers
Ceiling FansBuilt-In Microwave Ovens
Plumbing (Including Stoppages)Trash Compactors
Water HeatersFree-Standing Ice Makers
Garbage DisposalsGarage Door Openers
Instant Hot/Cold Water DispensersBuilt-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

Coupon

Use this link to get the best deal we can offer from American Home Shield.

Read Our In-Depth American Home Shield Review

America’s 1st Choice Home Club Review

#2

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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?

Pros

Cons

  • 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.

SystemSilverGoldPlatinumOptional Add-Ons
Air Conditioning/CoolerClothes DryerEverything in System PlanEverything in Gold PlanSump Pump
Heating SystemsClothes WasherEverything in Silver PlanPlumbing StoppagesSeptic System
Water HeaterKitchen RefrigeratorBuilt-In MicrowaveHot Water Dispenser
Electrical SystemOvenIce MakerPool & Spa
Plumbing SystemRangeStand Alone Freezer
DuctworkStove/CooktopTankless Water Heater
DishwasherCentral Vacuum
Garbage DisposalWell Pump
Garage Door Opener

Coupon

Use this link to get the best deal we can offer from America’s 1st Choice.

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

The Home Service Club Review

#3

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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.

Pros

Cons

  • 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 CoverageComprehensive Coverage
RefrigeratorsCheckmarkCheckmark
Ovens, Ranges, CooktopsCheckmarkCheckmark
DishwasherCheckmarkCheckmark
Clothes WasherCheckmarkCheckmark
Clothes DryerCheckmarkCheckmark
Freestanding IcemakersCheckmarkCheckmark
Microwave Oven Built-InCheckmarkCheckmark
Trash CompactorCheckmarkCheckmark
Food Centers Built-InCheckmarkCheckmark
Air ConditioningCheckmarkCheckmark
Heating SystemsCheckmarkCheckmark
Electrical SystemsCheckmarkCheckmark
Water HeaterCheckmarkCheckmark
Plumbing SystemsCheckmarkCheckmark
Garbage DisposalCheckmarkCheckmark
Garage Door OpenerCheckmarkCheckmark
Ceiling FansCheckmarkCheckmark
Central VacuumCheckmarkCheckmark
Plumbing StoppageCheckmark
DuctworkCheckmark
Pest ControlCheckmark
Gas LeaksCheckmark
Whirlpool CoverageCheckmark
Alarm WiringCheckmark
Telephone WiringCheckmark
Smoke DetectorsCheckmark
Exhaust/Attic FansCheckmark
Sump PumpCheckmark
DoorbellsCheckmark
Hot Water PumpCheckmark
Hot/Cold Water DispenserCheckmark
Pool CoverageOptionalOptional
Sprinkler SystemOptionalOptional
Roof CoverageOptionalOptional
Freestanding FreezerOptionalOptional
SpaOptionalOptional
Refrigerators Built-In Units with Dual CompressorsOptionalOptional
Sewage Ejector PumpOptionalOptional
Water SoftenerOptionalOptional
Well PumpOptionalOptional
Jetted BathtubOptionalOptional
Utility Line Coverage Package*OptionalOptional

*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.

Coupon

Use this link to get the best deal we can offer from Home Service Club.

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.

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 aren’t always reimbursed for out-of-pocket expenses, and if you’re compensated, 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

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.

Pros

Cons

  • 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: A-
  • 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.

AppliancesBuilt-In Systems
Clothes DryerAir Conditioning Including Ductwork
Clothes WasherAttic Fans
CooktopsCeiling Fans
DishwashersCentral Vacuums
Food Centers (Built-in)Doorbells
Freestanding Ice MakersElectrical System
Microwaves (Built-in)Garage Door Openers
RangesGarbage Disposals
Range Exhaust HoodHeating System Including Ductwork
RefrigeratorsInstant Hot/Cold Water Dispenser
Trash Compactor (Built-in)Plumbing System
Wall OvenSmoke Detectors
Sump Pump
Toilets
Water Heater
Whirlpool/Jetted Tup (Built-in)

Coupon

Cinch is currently offering our readers the opportunity to save $100 on a Combo Plan or save $50 on an Appliances or Systems Plan! Just use this link to get started.

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.

Pros

Cons

  • 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.

Pros

Cons

  • 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.

Pros

Cons

  • 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.

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 | Call: 877-856-9994

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.

Pros

Cons

  • Only available in six 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: ~$55/monthPlan Add-Ons
Air Conditioning SystemEverything from Home Systems PlanBooster & Well Pump
HeatingBuilt-In MicrowaveBuilt-In Microwave
Electrical SystemCentral VacuumDishwasher
No Fault CoverageDishwasherExterior Pipe Leak Repair
Plumbing SystemGarbage DisposalFreestanding Ice Maker
Air Conditioning Tune-UpKitchen RefrigeratorFreezer (Stand Alone)
Pest ControlOven/Range/CooktopGarage Door Opener
Re-Key ServiceWasher/DryerGarbage Disposal
Subterranean Termite TreatmentGarage Door OpenerGrinder Pumps
Guest House
Kitchen Refrigerator
Oven/Range/Cooktop
Pool & Hot Tub
Roof Leak Repair
Septic System
Washer/Dryer
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.

Pros

Cons

  • 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

Coverage

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.

Pros

Cons

  • Only covers Arizona, Texas and Nevada

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
  • BBB rating: B
  • 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 CareGold CarePlatinum CareOptional Add-Ons
Clothes WasherCheckmarkCheckmarkCentral Vacuum
Garbage Disposal CheckmarkCheckmarkWell Pump
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
A/C, CoolingCheckmarkCheckmarkSpa
Heating SystemCheckmarkCheckmarkSecond Refrigerator
Plumbing SystemCheckmarkCheckmarkLimited Roof Leak
Electrical SystemCheckmarkCheckmarkAdditional Water Heater
Water HeaterCheckmarkCheckmarkSump Pump
DuctworkCheckmarkCheckmarkAdditional Heat/Furnace
Plumbing StoppageCheckmarkPool
Garage Door OpenerCheckmark
Ceiling FanCheckmark

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
    • American Home Guardian – Available in Arizona, Nevada, Idaho, Utah and Texas
    • American Home Shield (AHS) (Winner) – Available in 49 states (not Alaska)
    • American Residential – Available in all 50 states
    • Assurant Solutions – Available in  Florida, Kentucky, Georgia, Oregon, Pennsylvania, South Dakota and Texas
    • Choice (InHome) – Call for availability
    • Cinch Home Services – Available in 48 states
    • Delta Home Protect – Available in all 50 states
    • Federal Home Assurance – Available in 48 states (not California or Florida)
    • 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
    • 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.

Are you considering a home warranty for your home?

About The Author:

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.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Anna
November 5, 2019 9:58 am

Is Fidelity National Home Warranty legit? It seems that it’s legit, however I’ve seen complaints online of issues with customer service.

(Admin)
Sadie Cornelius
November 6, 2019 1:20 pm
Reply to  Anna

Anna, as far as we are concerned they are legit and according to Better Business Bureau they have an A+ rating and have been accredited since 2005.

Greg F
May 23, 2019 11:45 am

I would love to hear more about Hisco home warranty – my neighbors here in California swear by them, but darn if I can find any information on them! I’m guessing maybe they’re old school and haven’t wisened to the digital age yet Do you guys have a Hisco home warranty review in the pipeline by chance? I’ve searched your site but came up empty. I would love to know more about coverage options, pricing, and whether they are available outside of California. Also any consumer feedback you have collected on Hisco and are willing to share is welcomed!

Djokovic
May 23, 2019 2:46 pm
Reply to  Greg F

From what I can tell Hisco home warranty only operates out of California. They get fairly low reviews on the Internet (Yelp for example), but there are also some glowing reviews of people that had Hisco come with their home purchase. I suppose it depends somewhat what type of repair you need and what area you live in.

Any Hisco users out there? I’m in San Diego and am considering them as well.

Jill W
May 23, 2019 2:32 pm

I’m thinking of getting a home warranty for my rental property since it gets so much wear and tear from my renters but didn’t know if anyone had any experience or if it was a worthwhile investment or not?

Sadie K
May 23, 2019 2:33 pm
Reply to  Jill W

Hey there, getting a home warranty for your rental property sounds like a great idea especially if you have high turnover. That way if there is an issue, you can call the home warranty company to do the repairs versus having to find a contractor each time something goes wrong. That’s a good investment of time and will most likely save you money in the long run too. Plus give you peace of mind, add value of your home and provide a better quality of life for your renters. Hope that helps!

Mrs. Hill
October 30, 2018 11:56 pm

I’m going to do something different, I am posting the communications with Choice Home Warranty regarding our HVAC system claim from 09/13/18. Before you start reading please note that our Trane XV80 was installed in June 2009 and had never malfunctioned until 9-13-18. Preventive maintenance was done twice every year (winter and summer).

The following is from Choice Home Warranty. I have removed the names of the companies they dispatched.
Claim Date:
09/13/2018
appliance
Air Conditioning
Units
1
Issue
Not Coming On
Last Time Working
09/13/18
Last Time Serviced
05/17/18
Last Filter Change
05/16/18
More Notes
ac not coming on
Claim Status:
Closed
Claim Updates
CHW Representative:
(09/14/2018): ********** has been assigned to your claim and an appointment has been scheduled for Sunday September 16th, 2018 between the hours of 11:00 AM and 03:00 PM. Please make sure someone is available at the covered address at that time. Upon the technicians arrival you will be required to pay a $45.00 service call fee.

CHW Representative:
(09/20/2018): ********** has been assigned to your claim and an appointment has been scheduled for Tuesday September 25th, 2018 between the hours of 11:00 AM and 03:00 PM. Please make sure someone is available at the covered address at that time. Upon the technicians arrival you will be required to pay a $0.00 service call fee.

CHW Representative:
(09/26/2018): ********** has been assigned to your claim and an appointment has been scheduled for Thursday September 27th, 2018 between the hours of 07:00 AM and 11:00 AM. Please make sure someone is available at the covered address at that time. Upon the technicians arrival you will be required to pay a $0.00 service call fee.

CHW Representative:
(09/29/2018): ******** has been assigned to your claim and an appointment has been scheduled for Monday October 1st, 2018 between the hours of 07:00 AM and 11:00 AM. Please make sure someone is available at the covered address at that time. Upon the technicians arrival you will be required to pay a $0.00 service call fee.

CHW Representative:
(10/17/2018):
Wednesday October 17th, 2018

This letter is in reference to your Air Conditioning claim. We have been processing your claim for coverage and a determination has been reached.

During the coverage period, our sole responsibility will be to arrange for a qualified service contractor to repair or replace, at our expense, the systems and components mentioned as “Included” in accordance with the terms and conditions of your contract so long as such systems and components:

Are located inside the confines of the main foundation of the home or attached or detached garage (with the exception of the exterior pool/spa, well pump, septic tank pumping and air conditioner);and Become inoperative due to normal wear and tear; and Are in place and in proper working order on the effective date of this home warranty contract. This contract does not cover any known or unknown pre-existing conditions. Coverage is for occupied, owned or rented residential property.

Your claim was submitted on 09/13/18 and was assigned to ********* on 09/29/18. After the appointment date on 10/08/18 the technician submitted details pertaining to your system failure.

It has been determined that due to an improper previous repair on the system, the door switch was bypassed allowing direct voltage to the control board causing failures within the system.

Please refer to your terms and conditions section F number 11; we are not responsible for repairs related to inadequacy, lack of capacity, improper installation, mismatched systems, oversized systems, undersized systems, previous repair or design, manufacturer’s defect, and any modification to the system or appliance.

Appeal Rights
You may request a review of this claim in writing by visiting (link removed because it obtained personal information). The request for review must be sent within 7 days of receipt of this letter and state the reasons why you feel your claim should have been approved.

Under normal circumstances, you will be notified of the final decision within 5 business days of the date your request for review is received.

Nothing contained in this letter should be construed as a waiver of any rights or defenses under the policy. This determination has been made in good faith and without prejudice under the terms and conditions of the contract, whether or not specifically mentioned herein.

Thank you for choosing Choice Home Warranty to be part of protecting your home from unexpected covered repairs.

Sincerely,

Team CHW

____________________________________________

I must reiterate, the system has never been repaired. They dispatched four different companies but three actually showed up. It wasn’t until the last company showed up that they made the “improper repair” claim. Why didn’t the first two companies report that problem? I sincerely believe some shenanigans occurred with my system between 9-13-18 to 10-17-18 that had to do with Choice Home Warranty and one or more of the techs dispatched to my home. The last company responded on 10-8-18 and it took them until 10-17-18 to deny the claim. Ask yourself why would they need to send four different companies for one service call, over such a long time span? Why did the denial take so long after the last tech responded?

Message from me to Choice Home Warranty:
(10/17/2018): Please email me copies of the reports from each technician sent to my home regarding this service call. I find it very strange that you dispatched four technicians to this call but one was a no show. In any event, the first two techs said nothing about what you are reporting today. You and your service techs strung us along for over one month regarding this issue. We suffered through temps as high as 94 degrees and lately some very cool nights.

You have failed us yet again. When our garbage disposal broke, you had a reason not to repair it so we paid for the replacement while you offered us a few dollars. When the water heater broke, you had a reason not to repair it and we had to pay for it’s replacement. Now, one month and four days have gone by and you finally found a reason to not repair that. You disgust me and suffice it to say we will not be renewing our contract so please remove me from your telemarketing list.

I will not be referring you to anyone and will be sharing my personal reviews of your service. Do you even understand that you strung us along for over a month utilizing three different techs as though you were shopping around for a reason to deny this claim all while we suffered through extreme temperatures hoping that one day soon the HVAC system would be repaired? Do you even care? I’m certain you do not.

Arthur R Van Riper
October 20, 2018 11:46 am

FWI American Home Guard is no longer in business. They never told me, emailed, sent a letter or anything. I find out when I call to file a claim, and they phones are no longer in service, and their website is no longer active.

(Admin)
Alex Schenker
October 23, 2018 11:22 am

Hi Arthur, wow that’s a terrible way to treat a customer. Thanks for letting us know, we’ve updated our article to let readers know that they are out of business.

Jacki
April 7, 2018 11:20 am

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

Jay
January 9, 2018 9:52 pm

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
August 16, 2017 11:25 am

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.

Sam
August 13, 2017 8:17 pm

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
July 19, 2017 1:32 pm

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.

Rich Caraluzzo
October 17, 2018 4:59 pm
Reply to  Earl

I recently purchased a home in Florida and have Old Republic. I have used them twice and they have been excellent. I needed my hvac repaired they were quick sending a qualified repair company. Recently my hot water heater broke it was repaired quickly and professionally. My service fee is $95.00.

Talitha
July 3, 2017 2:18 pm

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
May 18, 2017 11:07 am

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
May 31, 2017 5:21 pm
Reply to  Burnt

That’s good to know as I was contemplating going with choice! i’m glad that I read your review! Thanks!!

Toni Rue
April 7, 2017 3:53 pm

Any ideas for coverage on irrigation system that the water is pumped from the river, kinda like a well pump from the ground

John Gregg
March 18, 2017 10:56 am

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
January 24, 2017 11:09 am

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.

LAH
December 28, 2016 2:56 pm

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
November 30, 2016 10:17 am

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
November 23, 2016 1:53 pm

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
May 24, 2017 12:02 pm
Reply to  Matt B

I have them now but do not see them on the list???

(Admin)
Alex Schenker
May 25, 2017 6:41 pm
Reply to  jessa

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
November 3, 2016 11:23 am

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?

Kimberly Alt
November 7, 2016 10:16 am
Reply to  Logan Geist

Unfortunately, HMS was the company we found the fewest issues with. As a general note for home warranty companies, the service you experience can vary based on your location and the service techs that are sent to your home and respond to your issues. It wasn’t an easy decision choosing our top three picks because, as you can see, all of these companies have cons of varying degrees. Out of curiosity, which company would you select as #1 and why? We love hearing from our readers and with enough information, we update our articles and rankings to provide the most accurate information as we possibly can. Thanks for your feedback. I’m sure our readers will appreciate it as well!

Logan Geist
November 7, 2016 1:24 pm
Reply to  Kimberly Alt

I’m in the process of shopping around now, I’m entering my second year of home ownership.

One clear issue was that they only ever gave me one choice for a plumber, throughout the year, multiple issues.

I would’ve preferred options. It’s unfathomable to me that a reputable company in any industry doesn’t offer options. There were multiple points in the process during which options should’ve been made available to me, the plumber is only 1 example.

As far as I’m concerned the plumber is HMS, his lack of accountability and follow through parallels HMS’s lack of accountability and follow-through.
Also, given that based on their flawed policies his name was the only one ever given to me, from my perspective as a customer, he is their employee. It is in their hands to demonstrate integrity and either be upfront about that relationship, or change that perception.

The regional manager should not be in a position in which he oversees people or interacts with customers.

I understand they made it to the top of the list, either the entire industry is corrupt or your metrics need adjusting, during which time I will use other resources to assist in my decision.

Kimberly Alt
November 8, 2016 10:10 am
Reply to  Logan Geist

I’m sorry you feel our site is not adequate to assist in your decision. Unfortunately, stories like this is not rare by any of these companies. Each companies’ performance varies based on location. I recommend seeing if anyone you know has a home warranty that lives in your area. Ask them what company they use and what their experiences are. A large part of the customer experience is how the techs perform who are sent to your home. If the home warranty company hires poor performing techs, the customers will be displeased, as you have mentioned in your comment.

I hope you find a home warranty you are pleased with. We’d be interested to hear about the rest of your experience as you make a decision. I’m sure our readers would find it to be beneficial as well. Please keep us posted on your search and decision and best of luck!

Heather B
October 25, 2016 2:31 am

Total Protect does not have an A rating with BBB as you state.

Kimberly Alt
October 25, 2016 8:20 am
Reply to  Heather B

Sorry about that Heather. At the time we wrote this their BBB rating was an A. However, it looks like it is now a B. We will be sure to update this!

Claire
August 10, 2016 4:34 pm

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
May 31, 2016 12:05 pm

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.
April 3, 2016 6:25 pm

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
April 10, 2018 10:37 pm
Reply to  John R.

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.