Home warranty plans are a helpful way to protect one of the largest investments most people will make in their lives — their home. Unlike home insurance — which covers your home in the event of fires or floods — a home warranty covers home appliances or systems when they need replacement or repair. Planning ahead for these unforeseen and potentially costly repairs can save you money in the long-run while protecting the quality of your investments.
To select the best home warranty, a homeowner should consider several factors. Think about your coverage needs, available warranty plans in your area, your monthly budget, and coverage limitations and caps. In this guide, we review 10 of the nation’s best home warranty companies to help you find the perfect plan for your needs.
Note: Specific cost details for some providers may vary based on location, selected coverage, and current promotions. We advise homeowners to request a quote for the most accurate information.
Best Brands at a Glance
5/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
High coverage limits on electrical and plumbing systems
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
The experts at Modernize performed competitive market research to create this up-to-date list for homeowners. We explored each home warranty company’s monthly cost, service request fees, coverage plans and limitations, and coverage areas. Note: Home warranty companies traditionally charge both monthly premiums, as well as service request fees when you are in need of service, as part of their plan.
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
American Home Shield (AHS) boasts nearly five decades of experience, offering comprehensive coverage plans that include unique provisions for improper appliance installation, aging appliances, mismatched systems, and a prompt commitment to having a technician assess claims within 48 hours. Established as a leader in the industry, AHS offers flexible coverage options and high coverage limits, making it suitable for homeowners seeking extensive protection.
What We Love
High coverage limits on electrical and plumbing systems
Offers coverage in most states
Allows choice of contractor
Watch Out For
Low customer satisfaction ratings
Monthly premiums can vary widely
Short 30-day repair guarantee
American Home Shield offers flexible plans with monthly premiums typically ranging from $30 to $90, depending on the level of coverage selected. Service fees are set at $100 or $125 per claim, allowing homeowners to choose a fee that aligns with their budget and service expectations.
American Home Shield stands out for its comprehensive coverage options and customizable plans. Homeowners can tailor their warranties to include a wide range of systems and appliances, with the option to add coverage for home electronics and entertainment products, providing a personalized protection plan.
Best For: Overall Coverage
Liberty Home Guard
5/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Liberty Home Guard is praised for its quick claims process and comprehensive appliance coverage. With availability in all 50 states and high customer satisfaction ratings, it offers flexible plans that cater to various homeowner needs.
What We Love
High customer satisfaction ratings
Coverage in all states
Allows choice of contractor
Watch Out For
Low coverage limits on electrical and plumbing
Won’t pay for wall damage when accessing repairs
Service fees can be high
Liberty Home Guard’s pricing varies based on location, selected coverage, and current promotions. You can expect average monthly premiums to start at $50, with service fees ranging from $70 to $125 per claim. Prospective customers are encouraged to contact Liberty Home Guard directly for personalized quotes tailored to their specific needs.
Liberty Home Guard offers an extensive array of optional add-ons, allowing homeowners to customize their coverage to include items such as pool and spa equipment, sump pumps, and even pest control services. This flexibility enables a tailored approach to home warranty coverage.
Best For: Repair Guarantee
2-10 Home Buyers Warranty
4/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
2-10 Home Buyers Warranty has been in business for over 40 years, protecting more than 6 million homes. Known for its plan-length workmanship guarantee, it ensures that if a repair fails during the contract term, it will be addressed at no additional cost.
What We Love
Plan-length workmanship guarantee
Comprehensive coverage options
Additional benefits like appliance discounts
Watch Out For
Coverage limitations on certain items
Service fees can be high
Exclusions and limitations apply
2-10 Home Buyers Warranty offers various plans, with monthly premiums starting at $27 for basic kitchen appliance coverage. More comprehensive plans typically range between $60 to $85 per month. Service call fees vary from $85 to $125 per claim, depending on the chosen plan and coverage level.
A standout feature of 2-10 Home Buyers Warranty is its unlimited workmanship guarantee. If a repair fails during the contract term, the company will address it at no additional cost, ensuring homeowners have peace of mind regarding the quality and durability of repairs.
Best For: Basic Home Systems
Choice Home Warranty
4/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Choice Home Warranty stands out in the home warranty industry with its vast network of over 25,000 independent contractors. Since its inception in 2008, the company has shown its commitment to homeowners by providing services to over one million homes. Their dedication to customer service is evident in their rapid response times and their extensive contractor network ensures homeowners get timely and efficient service.
What We Love
Affordable plans
Fast response time
Free repairs within 90 days of service
Watch Out For
Lacks flexibility in coverage options
Some negative feedback on claim processing
Limited plan customization
Choice Home Warranty offers its services with monthly premiums between $36 and $44. When service is required, homeowners can expect a fee ranging from $60 to $85. While their plans are comprehensive, it’s crucial for customers to understand that any pre-existing damages to appliances and systems are not covered under their warranty.
Choice Home Warranty’s rapid service response is truly commendable. They prioritize their customers’ needs by initiating service within just 4 hours of a claim request, ensuring minimal disruption and inconvenience.
Best For: High Coverage Limits
First American
4/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
First American Home Warranty provides affordable basic plans with competitive coverage. Unlike most competitors, its most basic warranty covers both systems and certain appliances, offering a balanced approach to home protection.
What We Love
High coverage limits on electrical and plumbing
Decent customer satisfaction ratings
Comprehensive basic plans
Watch Out For
Coverage limited to 36 states
Must use company contractors
Service fees can be high
First American Home Warranty’s monthly premiums range from $42 to $82, based on the selected plan and coverage options. Service fees are offered at $75, $100, or $125 per claim, allowing homeowners to choose a fee that suits their financial preferences and service needs.
First American stands out with its Predictable Fixed Service Fee policy. This transparent pricing model ensures that homeowners are never caught off guard by unexpected costs. Regardless of the complexity or nature of the request, the service fee remains consistent, offering peace of mind and clarity to homeowners every time they need a service.
Best For: Affordable Coverage
Cinch Home Services
3.5/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
With nearly 50 years in the industry, Cinch Home Services offers affordable home warranty plans that include unique benefits such as coverage for rust, corrosion, and unknown pre-existing conditions. The 180-day workmanship guarantee surpasses the industry standard, providing extended assurance on repairs. This combination of affordability and comprehensive coverage makes Cinch an attractive option for budget-conscious homeowners.
What We Love
180-day workmanship guarantee
Protection for pre-existing conditions
Covers rust and corrosion damage
Watch Out For
Lower coverage caps
Limited add-on options
Some reports of slow claim approval
Monthly premiums range from $30 to $56, depending on the level of coverage and optional add-ons selected. Service fees are set at $100, $125, or $150 per claim, providing flexibility for homeowners to choose a fee that matches their service expectations and budget.
Cinch Home Services stands out with its 180-day workmanship guarantee, which exceeds the industry standard. This extended guarantee period ensures that if a repaired item fails within six months, Cinch will address it without additional service fees, offering prolonged peace of mind to homeowners.
Best For: Comprehensive Coverage Seekers
The Home Service Club
3.5/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
The Home Service Club (HSC) is known for its comprehensive coverage plans that cater to a wide range of home systems and appliances, including older units. Established to provide prompt service, HSC emphasizes a quick claims process, aiming to address repair needs efficiently. This makes it appealing to homeowners seeking extensive protection and timely responses.
What We Love
Extensive coverage options
Quick claims process
Covers older homes and appliances
Watch Out For
Higher premiums than some competitors
Mixed customer service reviews
Service fees can be high
Monthly premiums start at $50, with service fees varying based on the selected plan and location. While premiums may be higher than some competitors, the breadth of coverage offered can justify the cost for those seeking extensive protection.
The Home Service Club is distinguished by its comprehensive coverage that includes protection for older systems and appliances. This makes it an excellent choice for homeowners with aging equipment, as many warranty providers impose age limits or additional conditions for older items.
Best For: Budget-Conscious Homeowners
Select Home Warranty
3/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Select Home Warranty offers cost-effective plans suitable for various property types, including single-family homes, condos, and mobile homes. The inclusion of roof leak coverage in all plans adds value, and the 60-day workmanship guarantee provides peace of mind for homeowners. Additionally, paying annually can yield two months of free coverage, enhancing affordability.
What We Love
Affordable plans with promotional discounts
Includes roof leak coverage
60-day workmanship guarantee
Watch Out For
High number of BBB complaints
Separate service fees for multiple trades
Requires maintenance records for some claims
Select Home Warranty provides plans with monthly premiums starting at $60.42. The service call fee is a fixed $75 per claim, which is relatively competitive within the industry. This pricing structure aims to offer affordable protection for a wide range of home systems and appliances.
A unique aspect of Select Home Warranty is the inclusion of roof leak coverage in all their plans at no additional cost. This added benefit provides homeowners with extra value, addressing a common concern without requiring an add-on purchase.
Best For: Service Variety
OneGuard
3/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
OneGuard Home Warranty, established in 1990, differentiates itself by offering unique maintenance services like carpet cleaning, pest control, and window washing, in addition to their traditional home warranty services. Their commitment to customer satisfaction is evident through positive online reviews.
What We Love
Provides home maintenance services
Strong customer service reviews
Transparent plans and pricing
Watch Out For
Limited service area
Some reports of slow response times
OneGuard offers a spectrum of plans to cater to different homeowner needs. Their offerings range from a basic appliance plan to the more inclusive home guard plan, which covers both appliances and system components. Monthly premiums for these plans fall between $25 and $56. For service requests, a fee of $69 is charged. Notably, if a system or appliance experiences a breakdown within 30 days of the initial repair, OneGuard ensures no additional service fee for the contractor’s subsequent visit.
OneGuard goes beyond the typical repair and replacement offerings of many home warranty companies by providing comprehensive maintenance services. This holistic approach ensures that homeowners receive essential home upkeep services, promoting the longevity of their appliances and systems and preventing potential issues before they arise. This proactive stance on home care sets OneGuard apart in the industry.
Best For: Flexible Payment Plans
America’s First Choice Home Club
3/5
Modernize RatingThis rating was determined by the Modernize Editorial Team based on factors such as customer reviews, product quality, warranties, company reputation, and service coverage. Our ratings are editorially independent and are not influenced by our advertising or partnership relationships.
Despite being relatively new at 12 years in the industry, America’s First Choice (AFC Home Club) offers affordable and flexible plans, with standout member add-ons like free credit monitoring, identity protection alerts, and retail savings. Their unique feature of allowing homeowners to choose their own contractor sets them apart.
What We Love
Pick your own technician
Competitive plan selections
Add-on member benefits
Watch Out For
Limited plan options
Some negative customer reviews
AFC Home Club offers plans with monthly premiums ranging from $32 to $55, depending on the selected coverage and optional add-ons. Service fees vary based on the plan and location, and are typically disclosed during the quote process. This structure provides homeowners with the flexibility to choose plans that fit their budget and coverage requirements.
AFC Home Club stands out for its unique flexibility in contractor selection. Unlike many home warranty companies that assign technicians, AFC empowers homeowners by allowing them to choose their preferred technician. This ensures homeowners can opt for a service provider they trust and have had positive experiences with in the past, leading to a more personalized and reassuring service experience.
Other Home Warranty Plans to Consider
There are many options for home warranties — while we’ve ranked the top 10 in the list above, you may also want to explore other reputable providers based on your needs and budget.
While each homeowner’s situation will be different, it’s important to understand a home warranty company’s coverage plans and what they include. Be sure to review coverage limitations or exclusions, costs that homeowners will be responsible to pay, and how quickly repairs/replacements will be completed. If you are unhappy with a certain company’s coverage limitations, we recommend looking at 2 to 3 more company offerings and compare.
When selecting a home warranty company, homeowners should ask companies several questions, including:
– How quickly are repairs completed?
– What is the homeowner responsible for?
– What are the limits and exclusions of the coverage?
– Who are the company’s contractors?
– How do I terminate or transfer coverage?
A typical home warranty plan will cost between $25 and $65 per month, while extended coverage or add-ons can increase that figure by $10 to $25 per month. Additionally, most companies implement service fees when homeowners submit a claim, which can range from $50–$100 per instance. Explore our Home Warranty Cost Guide for more information.
Homeowners will have the opportunity to select from a range of warranty plans, each with different coverages, including:
Systems plans: These will cover major, whole-house systems such as HVAC, plumbing, electrical systems, etc. Appliance plans: As its name suggests, these plans cover your home appliances like the oven, refrigerator, dishwasher and more. Combination plans: These are larger plans that combine the coverage of both systems and appliances.
Some companies will also allow homeowners to build custom plans and purchase add-on protection for miscellaneous items such as a pool or second refrigerator.
While a home insurance policy protects your home in scenarios such as fire or flood damage, it won’t come in handy when your refrigerator or washing machine dies — and unfortunately, a part of homeownership is dealing with broken appliances. Without a home warranty, these repairs could cost you hundreds or even thousands of dollars.
However, if you do have a home warranty, you simply need to make a claim and your warranty provider will take care of the rest.
Homeowners should always conduct their due diligence when comparing the many different home warranty companies. Avoid companies that include plans with unclear terms and conditions, difficult cancelation policies, and extensive delays. Also keep in mind that there are some unreliable companies out there that will drop customers for submitting too many claims. A great place to start is this guide that compares 10 trusted companies, vetted by the experts at Modernize.
A typical home warranty plan will last one year, but can be renewed as long as you own the home. Check with your warranty provider to better understand their terms and conditions.
Most home warranty plans can be canceled or transferred at any time— though some companies might charge a $50–$100 early termination fee. Check with your warranty provider to better understand their cancelation policies.
The pros at Modernize can work with you to understand your needs and expectations and quickly connect you with a trusted home warranty provider in your area. Visit our home warranty page to learn more.
