$200 OFF and 1 Month Free. 30-Day Free-Trial
(888) 216-5412
Premium $59.99 - $69.99
Deductible $70.00 - $130.00
Total Coverage Benefits $25,000 Contractual Limit
Elite Home Warranty earned our top recommendation for its commitment to transparent service and customer satisfaction. Their flexible plan structure, fast claims process, and consistently high customer ratings reflect a company focused on doing things the right way, protecting homeowners without the industry’s usual runaround.
Pros :
Available in 48 States. Coverage is not currently available in California and Wisconsin.
$300 OFF and 2 Months Free + Free Roof Coverage
(844) 240-8369
Premium $54.99 - $64.99
Deductible $60.00 - $100.00
Total Coverage Benefits $15,000 Contractual Limit
Regency Total Warranty offers flexible protection with no limits on how often you can request service. Their emphasis on transparency, customer priority handling, and generous coverage makes them a dependable option for homeowners who value clarity and consistent service.
Pros :
Available in 50 States.
$150 OFF and 2 Months Free + Free Roof Coverage
Premium $54.99 - $64.99
Deductible $60.00 - $125.00
Total Coverage Benefits $11,000 Contractual Limit
Select Home Warranty stands out for offering solid baseline protection at an affordable price. Their inclusion of roof leak coverage and strong service availability make them a practical option for homeowners seeking essential coverage without overpaying.
Pros :
Available in 47 States. Coverage is not currently available in Nevada, Washington and Wyoming.
$200 OFF and 2 Months Free + Free Roof Coverage
855-681-9724
Premium $54.99 - $69.99
Deductible $85.00 - $150.00
Total Coverage Benefits $15,000 Contractual Limit
Liberty Home Guard offers one of the most flexible home warranty solutions on the market. With an extensive list of add ons and consistently high customer feedback, it's ideal for homeowners who want full control over their coverage and an easy to manage experience.
Pros :
Available in 50 States.
$250 OFF and Free Roof Coverage
866-203-8901
Premium $54.99 - $69.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
America’s First Choice Home Club makes service reliability a top priority with unmatched repair guarantees and technician flexibility. Whether you want to use your own trusted pro or lock in rates for multiple years, AFC provides the freedom and security many homeowners are looking for.
Pros :
Available in 50 States.
$100 OFF and Free Roof Coverage
Premium $54.99 - $89.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
As one of the longest standing providers in the industry, American Home Shield brings both experience and broad coverage to the table. They’re one of the few providers willing to cover older systems and wear related breakdowns, making them ideal for aging homes.
Pros :
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
$100 OFF and 2 Months Free
Premium $54.99 - $64.99
Deductible $100 - $125
Total Coverage Benefits $10,000 Contractual Limit
American Residential Warranty blends convenience and coverage with no strings attached. Their monthly plans and bundled service options allow homeowners to protect both traditional systems and smart tech without committing to lengthy contracts.
Pros :
Available in 50 States.
Flexible Payment Options
Premium $54.99 - $64.99
Deductible $85.00
Total Coverage Benefits $10,000 Contractual Limit
First American has become a go to for new homeowners and real estate pros alike. Their easy enrollment process and affordable pricing provide peace of mind from day one, especially for those just getting started in homeownership.
Pros :
Available in 35 States. Coverage is not currently available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
Free Water Sensor and 2 Months Free
Premium $54.99 - $64.99
Deductible $75.00 - $150.00
Total Coverage Benefits $10,000 Contractual Limit
Cinch combines strong repair backing with helpful extras like appliance credits and a long service guarantee. It’s a strong choice for tech savvy homeowners who want easy online access and long term peace of mind.
Pros :
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
20% OFF All Plans
Premium $59.99 - $74.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
With a clear focus on new construction, 2-10 is a builder’s top choice for structural protection. Their plans are tailored for newer homes, offering specialized coverage for foundations, load-bearing elements, and structural integrity issues others won’t touch.
Pros :
Available in 44 States. Coverage is not currently available in Alaska, Hawaii, New Hampshire, Oklahoma, Wisconsin and Wyoming.
Premium $59.99 - $69.99
Deductible $50.00 - $100.00
Total Coverage Benefits $25,000 Contractual Limit
America’s Preferred Home Warranty puts homeowner choice at the center by letting you work with your own trusted contractor. Their customer-first approach and flexible service options help foster a personal, values driven protection experience.
Pros :
Available in 49 States. Coverage is not currently available in California.
Consumera.com, a trusted consumer-focused review platform, recognizes outstanding companies each year through its Annual Home Warranty Awards. Backed by verified consumer feedback and independent editorial analysis, these awards spotlight providers that truly deliver on their promises. After carefully evaluating over 25 home warranty companies, Consumera named Elite Home Warranty the #1 Home Warranty Company in the Nation for 2025. With a reputation for trusted service, exceptional coverage, and a customer first mindset, Elite stands out as the provider homeowners can confidently rely on.
Elite Home Warranty is raising the bar for what homeowners should expect from a warranty provider. Here’s why more people are choosing Elite:
|
Company Name
|
BBB Rating
|
Cost Range
|
Deductible
|
Aggregate Limit
|
|
|---|---|---|---|---|---|
|
|
A+ | $59.99 - $69.99 | $70.00 - $130.00 | Up to $15,000 | |
|
|
N/A | $54.99 - $64.99 | $60.00 - $100.00 | N/A | |
|
|
B | $54.99 - $64.99 | $60.00 - $125.00 | $2,000 | |
|
|
A | $54.99 - $69.99 | $85.00 - $150.00 | $2,000/item | |
|
|
B | $54.99 - $69.99 | $75.00 - $125.00 | N/A | |
|
|
B | $54.99 - $89.99 | $75.00 - $125.00 | $6K-Unlimited | |
|
|
N/A | $54.99 - $64.99 | $100 - $125 | $1K | |
|
|
B | $54.99 - $64.99 | $85.00 | Up to $3.5k per item | |
|
|
B+ | $54.99 - $64.99 | $75.00 - $150.00 | $1,000-$2,000 | |
|
|
B | $59.99 - $74.99 | $75.00 - $125.00 | $25,000/term |
*NR or no rating - The company in questions doesn’t have adequate information to be given a proper rating.
**The coverage limit may be higher in some cases.
The home warranty market is saturated with lots of options that claim stellar service and generous coverage, making it hard to figure out the veracity of the same. However, with scammy and substandard companies rising the ranks with overt advertisements, it’s best to distinguish between the honest and the hype. This list is an attempt at just that.
To maintain transparency and for you to take notes, here’s how our methodology works. We consider the following factors while choosing the top home warranty companies -
Company CredibilityWe check whether the company is trustworthy and registered with appropriate industry bodies.
TransparencyWe check if the home warranty companies provide customers, the information about their pricing, added charges, limitations, liabilities, etc.
PricingWe take a look at the pricing of home warranty plans and measure it against the coverage and benefits offered.
Claims ProcessWe go through customer reviews and reports on the claims process's ease and quality, and response time.
InnovationWe identify if the companies go the extra mile to provide value-added services and unique coverage options.
Consumer feedbackWe read through home warranty companies’ user reviews scores to check customer satisfaction levels.
CoverageWe compare the coverage offered by home warranty plans from different companies and check their coverage levels by studying their contracts. Doing so gives us an insight into the coverage extent and limitations of different companies.
A home warranty is designed to cover all the major appliances and systems of your home. The covered items will be repaired or replaced for a low service charge. Most home warranty companies offer multiple plans with varying levels of coverage as part of their offerings.
While the coverage of most home warranty companies is more or less the same, a few offer extra benefits by throwing in home maintenance services, including electronics or smart home devices, etc, as part of their coverage.
To cater to all kinds of homeowners, the coverage options of home warranty companies range from basic to comprehensive, with a choice of optional add-ons. Some even offer personalized coverage.
Basic coverage - Common everyday appliances and systems are a part of these plans. This type of coverage is ideal for homeowners having limited items needing financial protection.
Distinctive coverage - A few home warranty companies offer appliance-only and system-only plan options.
Comprehensive/Combination Plans - These plans comprise both appliances and systems and offer increased coverage limits. They inadvertently cost more than the other plan options.
Below is the list of items that are commonly included in home warranty coverage -
| Appliances | Systems | Optional Add-ons |
| Built-in Microwave | Air Conditioner/HVAC | Pool/Spa |
| Refrigerator | Plumbing | Stand-alone Freezer |
| Stove/Oven/Cooktop | Electrical | Second Refrigerator |
| Clothes Washer | Central Vacuum | Code Upgrades |
| Clothes Dryer | Garage Door | Wine Cooler |
| Dishwasher | Garbage Disposal | |
| Attic/Ceiling/Exhaust Fans |
A home warranty contract is particular about the extent and nature of its coverage. Specific parts of your covered items may be exempt from coverage, and there is a cap for the amount the company will shell out for a particular item. Another factor for exclusion is the reason for the item’s breakdown.
Pre-existing conditions, willful neglect, misuse, damage due to natural disasters, etc., are grounds for claim denial. We recommend going through the contract in detail to understand the policy.
The claims procedure of a home warranty is relatively simple. We have detailed the process below -
After signing up for a home warranty, you can start placing claims for your covered item after the waiting period.
Your average home warranty costs $300-$500, while the monthly premium can be anywhere between $30-$80, and the deductible price may cost $50-$150.
The following table reflects the amount you are likely to incur if any of the following items break down.
| Appliance/ System | Repair Cost | Replacement Cost |
| Oven | $130-$650 | $100-$2000 |
| Refrigerator | $200 – $400 | <$1000 |
| Water Heater | $100-$1000 | $750-$1500 |
| Air Conditioning System | $20 – $2900 | $5000 |
| Heating System | $80 – $1200 | $3000 – $5000 |
| Microwave | $200-$300 | $90-$800 |
| Septic system | $200-$1500 | $3000-$10000 |
| Washer or Dryer | $130 – $500 | >$1000 |
As you may have noticed, the pricing for home warranties are comparatively negligible to what you may have to spend out of pocket in case of a sudden breakdown.
If you are the owner of an older home and your aging systems and appliances show signs of wear and tear, a home warranty policy can be an essential investment. There’s no way of knowing how well the former owner cared for the appliances for homebuyers.
Therefore, a home warranty might be worth the cost, especially if the home's purchase has already exceeded the budget. Landlords can relax knowing that any potential breakdown of their residential property’s systems can be easily fixed.
However, with all of that said and done, home warranties should only be considered once you carefully read through the service contracts. Once you understand the limitations and exclusions of the policy and there's no room for surprises, you can put it to good use.
An overview of what is typically included and excluded in a home warranty can provide valuable insights for making informed decisions. This section will delve into details of home warranty coverage and exclusions. Let’s get started.
The home warranty coverage generally includes essential components such as electrical, heating, plumbing systems, air conditioning units, refrigerators, built-in ovens/microwaves, washers, and dryers.
Home warranty providers extend their coverage to additional items, which include pool/spa maintenance, septic systems, secondary systems or appliances, electronic devices, roof leak coverage, re-key services, and even tune-ups. Customers can enhance their regular coverage by adding optional items to the plans at a nominal fee.
Despite the comprehensive coverage offered by a home warranty, certain aspects stand excluded from the agreement. These include:
Please note that your home warranty agreement may have some other inclusions or exclusions; hence, we strongly advise you to read the terms and conditions thoroughly before purchasing.
According to industry standards, the monthly expense for basic coverage generally falls between $29 to $50. If you choose to avail of more extensive plans, the price range can extend up to $90 per month. Annual premiums for home warranties typically vary from $300 to $600.
Correspondingly, the service call fee, or deductible, for home warranty plans varies from $60 to $125. It is imperative to be aware that a deductible must be paid each time a claim is filed. Additionally, you should note that the premiums and service call fees vary depending on the companies, location, and the selected coverage.
General Home Warranty Cost Of Premiums & Deductible For Different Type Of Plans:
| Monthly Plans | Annual Plans | |
|---|---|---|
| Basic Plans | $35 - $45 | $350-$450 |
| Premium Plans | $50 - $70 | $500-$800 |
| Comprehensive Plans | $75 - $90 | $900-$1100 |
| Deductible | $50 - $150 | |
Home warranty regulations ensure companies adhere to a consistent and authorized set of procedures established by regulatory authorities. With many new companies emerging every year, the necessity for effective regulation has increased to protect customers’ interests.
Both Federal and State organizations handle these responsibilities. The Federal Government establishes a standardized operating protocol that the states must follow. On the other hand, the states retain the autonomy to regulate companies within their jurisdiction.
However, it is essential to note that not all warranty companies adhere to similar regulations, as laws and regulations vary from state to state.
It's a wise decision to get a home warranty, but before you sign on the dotted line, it's crucial to understand the terms and conditions of your contract. You can maximize the benefits of your home warranty by reading and understanding the fine print. Once you familiarize yourself with doing so, you can avoid surprises, such as claim denials.
Take the time to review the contract carefully and pay attention to the following aspects:
Understanding the essential elements of a home warranty service contract is crucial when considering coverage for your home. By carefully reviewing and understanding the contract terms, you can make the most of your home warranty service contract and protect your investment for years to come.
Here are some of the commonly asked questions:
Companies like American Home Shield, Choice Home Warranty, and Liberty Home Guard are viable options for this title due to their affordable pricing, comprehensive coverage, and service quality. However, the best home warranty company can mean different things to different people and is a very subjective choice.
Leading home warranty companies like American Home Shield, Choice Home Warranty, ServicePlus Home Warranty, and the other top companies are all worthwhile considerations for seniors.
Yes. You can wait until your plan expires or cancel your existing home warranty contract and switch to another company.
Home warranty companies are regulated on federal and state levels where the former sets the standard and the latter enforces it within their jurisdictions. It is why regulations vary for each state. The Commissioner of Insurance who oversees home warranties in most cases.
Most home warranty programs have a 30-day waiting period after which their coverage kicks in.
Yes, and in most cases, there are no transfer charges.
The average contract term of a home warranty is one year. There are multi-year contracts available as well.
Home repair costs tend to increase as your home ages. Having a home warranty in place is easy to save money on unexpected repairs. There’s also the added benefit of peace of mind as you don’t need to worry about finding and dealing with maintenance specialists.
No. The concept of a home warranty is not a scam. However, there have been some companies that have swindled customers off of their money. Another misconception seems to be claim denials or poor service quality.
These issues can be avoided by running a background check or going through customer reviews can alert you of any fraudulent activities by a company. Read through your contract’s terms and conditions to enhance your chances of a successful claim. You can identify companies with poor service by checking consumer reviews.
Alternatively, you can consider our vetted list of top home warranty companies in the market.
Homeowners insurance protects your home when something unexpected happens – a burglary, natural disaster, etc. In comparison, home warranties offer protection for your home’s major appliances and systems if they break down due to routine wear and tear.
Yes. Home warranty companies cover systems and appliances’ repair and replacement when they break down due to regular wear and tear.
No, they don’t. Builder’s warranty and home insurance will cover any structural issues related to your home.
Most home warranty companies require you to send the cancellation request in writing. You can contact your home warranty’s customer service to check if they follow a different process or find out if other options are available.
No, home warranty providers offer different plans for homeowners and the parties engaged in a real estate transaction.Â
The major differences between these two are their types of coverage, pricing, and purchase timing. Where homeowners can buy a policy at any time, real estate home warranty plans can only be bought during the selling and purchasing process.
A seller can buy it during the listing period and offer it to the buyer as an incentive. A homebuyer’s warranty can only be bought within 30 days of the property’s purchase. In some cases, realtors gift the buyer a home warranty to sweeten the deal.
Our top 3 picks
(888) 216-5412
(844) 240-8369