Best Home Warranty Companies | 2024 Guide

• Liberty Home Guard (LHG) offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Plans typically cost $600–$720 annually with service fees of $65–$125 per visit. A representative will assign a service fee to your account based on the location of your home, plan selection, and any additional coverage options you select. You can ask a representative about your service call fee during the quote process or review your assigned fee via your online portal after you sign up. Down below is a coverage and pricing breakdown for LHG plans:
• Appliance Guard ($49.99 per month): Covers your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers
• Systems Guard ($54.99 per month): Covers your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater
• Total Home Guard ($59.99 per month): Combines the coverage of the appliance and systems plans into one comprehensive package
• Add-ons: Liberty Home Guard offers more than 40 additional coverage options, including carpet cleaning, guest units, gutter cleaning, lawn sprinkler systems, pro-series appliances, saltwater pools, and reverse osmosis systems. You can add any add-on to the plan options above

Liberty Home Guard lists its coverage caps and exclusions in its sample contract. A few to note include these:

• Appliances: Up to $2,000 per item
• Major systems: Up to $2,000 per item
• Electrical and plumbing: $500 per item and $250 within the first 90 days of signing up
• Add-ons: $500 per item $250 within the first 90 days of signing up

Liberty Home Guard does not cover any preexisting conditions or any damage that results from improper installation or modification.

At the time of writing, Liberty Home Guard is listed as NR* on the BBB, which cited a pattern of complaints. Before this update, Liberty held an A+ BBB rating. The BBB sent a request to LHG for “voluntary cooperation in addressing the identified issues” and is awaiting a response.

We contacted LHG, which shared the following statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

According to our research, LHG has a 4.7 out of 5 on other third-party review sites, such as Trustpilot. Its customers praise its user-friendly claim process and polite representatives. However, some customers noted that LHG doesn’t cover labor costs when a technician completes a repair.

American Home Shield (AHS) offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. Plans are $360–$960 annually with service fees of $100 or $125 per visit. Below is a coverage and pricing breakdown for AHS plans:

• ShieldSilver ($29.99–$39.99 per month): Covers 14 major systems, including air conditioning, heating units, ductwork, built-in exhaust, vents, attic fans, main breaker, and fuse panel boxes; doorbells, and chimes; interior electrical lines; ceiling fans, garage door openers, interior plumbing lines, toilets, faucets, and valves; whirlpool tub motor and components, and water heaters
• ShieldGold ($39.99–$49.99 per month): Covers all the items in the ShieldSilver plan plus up to $4,000 of coverage for laundry and kitchen appliances, including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers
• ShieldPlatinum ($68.99–$79.99 per month): Covers all of the items in the ShieldGold plan and raises the coverage cap for appliances to $4,000. It also covers up to $1,500 for roof leaks and provides a discounted annual HVAC tune-up, unlimited AC refrigerant, and up to $1,000 in code upgrades
• Add-ons: Electronics Protection Plan, guest unit, pool or spa, septic system and pump, and well pump

American Home Shield lists your plan’s coverage caps and exclusions in your service contract. Below are a few notable items we pulled from the sample service contract:

• Appliances: Covered up to $2,000 with the ShieldGold plan; $4,000 with the ShieldPlatinum plan
• Air conditioning, heating, HVAC: A $5,000 coverage cap for units up to 5-ton capacity. It covers up to $1,500 for geothermal, water source heat pumps, glycol, hot water, or steam circulating systems
• Plumbing: A $5,000 coverage cap for accessible plumbing systems, but it will only pay $1,000 for systems in obstructed walls, ceilings, and floors
• Roof leaks: Will pay up to $1,500 for roof leaks, but it excludes all metal roofs and items that penetrate the roof, such as skylights, roof-mounted installations like solar panels, gutters, and downspouts
• General exclusions: Doesn’t cover routine maintenance; repair of cosmetic defects; malfunctions due to missing components, parts, or equipment; lack of capacity; or improperly sized systems

American Home Shield is accredited and holds a B rating with the Better Business Bureau (BBB)*. We analyzed more than 800 positive and negative reviews and listened to dozens of customer service calls to determine how AHS handles its customer service. Overall, customers shared that they appreciate the quality of repairs done for their home items and the customer service they received.

A member of our team who owns an American Home Shield plan tested its services and agreed with many of the positive customer service themes in reviews. American Home Shield connected him with a local provider in under an hour when he filed his most recent claim. He appreciated how quickly the service provider repaired his issue. He had a similar experience with other claims he’s filed. He reported that American Home Shield always sent someone within 24 hours, and he only paid his service call fee for each completed repair.

However, we found there were several complaints regarding slow response time and miscommunication while reading consumer reviews.

Select Home Warranty offers three standard plans: Bronze Care, Gold Care, and Platinum Care. Its standout feature is the inclusion of limited roof-leak coverage up to $400 with all plan tiers. Plans cost between $533–$573 annually, with a service fee of $60–$75 per claim. A Select representative we spoke with stated Select will grant you a lower service call fee if you sign-up over the phone.

More than 50% of the Trustpilot reviews we read rated Select Home Warranty four stars or higher. Many noted how easy and quick it was to sign up for coverage. One customer mentioned that Select’s representative explained its coverage clearly and concisely. However, other customer reviews we read lamented Select’s inconsistent customer service. Down below is a coverage and pricing breakdown for Select’s protection plans:

• Bronze Care ($44.42 per month): Covers your home’s appliances, including your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher
• Gold Care ($44.42 per month): Covers built-in systems, including your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork
• Platinum Care ($47.75 per month): Covers all the items in the Bronze Care and Gold Care plans, plus garage door openers and ceiling fans
• Add-ons: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, well pump

As mentioned previously, Select Home Warranty’s coverage caps are slightly lower than other home warranty companies. We outlined notable coverage caps below:

• Appliances: Covered up to $500 per item
• Air conditioning, heating, and HVAC: Covered up to $3,000 per plan term
• Electrical and plumbing: Covered up to $500 per item
• Roof-leak coverage and other add-ons: Up to $400 per covered item
• General exclusions: Only covers systems and appliances in a single-family dwelling, individual condominium units, townhouses, and modular homes. Prices may vary. It only covers systems and appliances properly and permanently installed and located within the living area of the home. Excludes coverage for systems or appliances in commercial properties or residential properties used for business purposes. Doesn’t cover preexisting conditions

Select Home Warranty holds a B rating with the BBB. As part of our analysis for Select, we combed through more than 1,000 Google and Trustpilot Reviews from existing customers. We found many customers enjoyed Select’s helpful and knowledgeable service providers. However, several customers lamented Select’s lack of communication. Others stated it was difficult to get ahold of a representative when filing a claim or making changes to their coverage plan.

First American Home Warranty offers three plans: the Starter Plan, Essential Plan, and Premium Plan. Plans cost between $540 and $840 annually with a service fee of $75 to $125 per visit. The Starter Plan and Essential Plan cover essential appliances and systems, and the Premium Plan extends that protection by increasing its coverage limit per appliance and select systems. It’s important to note that First American’s Starter Plan doesn’t cover air conditioning equipment, but coverage can be added for $8.33 per month. Down below is our plan and pricing breakdown for First American coverage:

• Starter Plan ($45–$61 per month): Covers your built-in microwave, dishwasher, ductwork, electrical, heating, and plumbing systems, kitchen range hood, oven/cooktop, plumbing stoppages, refrigerator, and toilet tank
• Essential Plan ($57–$66 per month): Covers all items in the Starter Plan. Includes additional coverage for air conditioning, ceiling, attic, and exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage-door openers, trash compactors, and water heaters
• Premium Plan ($70–$76 per month): Covers all items in the Essential Plan and includes central vacuum and full garage door systems, faucets, garbage disposals, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
• Add-ons: Additional refrigeration, central air conditioning (electric, Starter Plan only), HVAC tune-up, limited roof-leak repair, pool, and spa equipment, septic tank pumping and system, water softeners, well pump

First American Home Warranty’s sample contract outlines important coverage caps and exclusions. The most notable exclusions and coverage caps are noted below:

• Appliances: Covered up to $3,500 per appliance in the Starter and Essential plans. The Premium Plan increases limits to $7,000
• Air conditioning and heating systems: No preset coverage caps for heating, but air conditioning is only available as an add-on in the Starter Plan; geothermal or water source heat pumps or combination water heater/heating units may be limited to $1,500 per claim
• Plumbing and electrical: No preset coverage cap, but coverage may be limited to $500 if technicians have to access it through concrete walls, floors, or ceilings. The Premium Plan increases the access limit to $1,000
• Add-ons: Coverage may vary depending on the item. For example, First American limits additional refrigeration to $500 and well pumps to $1,500 per plan term
• General exclusions: First American excludes commercial-use properties, construction costs, hazardous or toxic materials, and shared systems coverage

First American holds a B rating with the BBB. Our research process involved listening to dozens of customer service calls and thoroughly reviewing online reviews left by customers on sites such as Trustpilot and the BBB.

A team member also purchased a plan to test its customer service and claims process.

Overall, customer reviews are positive. Customers enjoy First American’s quick service and comprehensive coverage limits. Our team member experienced similar quick service and complete coverage when he filed his most recent claim. Once submitted, First American sent a service technician within the next business day. Our team member said the service technician repaired his issue on the same visit. Additionally, he only paid for his service call fee.

However, its lack of coverage in 18 states plus miscommunication issues lead some customers to leave dissatisfied reviews.

AFC Home Warranty offers four plan options. Plans cost between $528 and $1,164 annually with services fees of $75–$125 per claim. Additionally, AFC provides an extensive workmanship guarantee and additional membership perks. Down below is a coverage and pricing breakdown for AFC protection plans:

• Silver Plan ($36.25–$43.58 per month): Covers essential appliances and systems, such as your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener
• Gold Plan ($50–$51.95 per month): Combines a wider range of major appliances and systems, such as heating and cooling, kitchen appliances, garbage disposal, and plumbing
• Platinum Plan ($51.95–$54.13 per month): Includes all the items in the Gold Plan plus coverage for built-in microwaves, faucets, ice makers, and plumbing stoppages
• Diamond Plan ($89.17–$97.50): AFC Home Warranty’s premium plan with the widest coverage; includes all items in previous plans plus electronics and exterior sewer and water lines
• Add-ons: Built-in microwave, central vacuum, double oven, electronic coverage, hot water dispenser, ice maker, in-ground pool, septic system, stand-alone freezer, sump pump, tankless water heater, and well pump

Note: Our quote did not include ductwork in the Systems Plan. When we reached out to the provider for clarification, a representative informed us that this confusion resulted from a clerical error. However, all plans that cover systems will also cover ductwork.

In general, AFC Home Warranty offers similar coverage terms compared to other home warranty providers. Here are a few key limitations and exclusions to consider:

• Appliances: Up to $3,000 per covered item
• Systems: Prorated coverage based on the depreciated value of systems five years or older
• Add-ons: Varies by item (e.g., $500 for pool and spa equipment, sump pump, and well pump, but $200 for central vacuums)
• General exclusions: Malfunction or improper operation due to rust or corrosion, collapsed ductwork, known or unknown preexisting conditions, routine maintenance, cosmetic defects, and secondary damage caused by an uncovered item

AFC Home Warranty has a B rating on the BBB. We reviewed hundreds of customer reviews on the BBB website and Google Reviews to determine that AFC has an overall satisfactory rating from existing customers.

AFC Home Warranty customers admire the friendly and knowledgeable customer service representatives and minimal hold times. Several customers wrote complaints regarding coverage—the biggest complaint being coverage claims denied due to technicalities. We recommend you review your service contract and plan options carefully with any provider before signing up.

Cinch Home Services offers three standard plans and a customizable service call fee model, which allows you to adjust your monthly or yearly premium to suit your needs. Plans cost $540–$732 annually with service fees of $100, $125, or $150 per claim.

All Cinch plans also come with a 180-day workmanship guarantee. This provides roughly a six-month window to re-service a covered item if it malfunctions again without an additional service charge. Down below is a coverage and pricing breakdown for Cinch Home Services plans:

• Appliances Plan ($39.99–$48.99 per month): Covers your clothes washer, clothes dryer, cooktop, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range, range exhaust hood, refrigerator, built-in trash compactor, and wall oven. It also comes with a $25 air conditioner or refrigerator filter credit. Cinch includes this credit in each coverage plan
• Built-in Systems Plan ($44.99–$57.99 per month): Covers your air conditioning including ductwork, heating including ductwork, attic fans, ceiling fans, central vacuum, doorbell, electrical system, garage door openers, garbage disposal, instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, and whirlpool/jetted tub
• Complete Home Plan ($54.99–$63.99 per month): Covers all the items in the Appliances and Built-in Systems plans. It also includes a homeowners insurance deductible reimbursement of up to $500
• Add-ons: Pool, pool with spa, Premier Upgrade Package, septic tank/pumping, spa, well pump

Cinch Home Services makes its coverage cap simple by stating that the entire plan is capped at $10,000 per calendar year. All covered items must be properly maintained and in working order, and they must also be “domestic grade.”

In general, Cinch’s plans only cover mechanical components, which can exclude certain items, such as oven racks. When you read through the sample contract, examples of uncovered items are listed in each covered item’s section.

Cinch Home Services is accredited by the BBB and holds a B+ rating*. Our research involved reading more than 1,000 BBB reviews and nearly 2,000 Trustpilot reviews. The most common theme from Cinch customers is its comprehensive coverage for items that typically aren’t covered by most home warranty providers. Common complaints include inconsistent customer service experiences.

HomeServe stands out from its competitors due to its highly specialized plans. However, your availability may vary depending on your location and utility provider. Its 20 plans range from coverage for single items, such as your water heater, to a combo plan covering 20 essential built-in systems and appliances. Each plan has varied terms and conditions, so it’s important to read the service contract carefully. The more comprehensive plans typically cost $503–$839 annually with a service fee of $100 per claim.

• Electrical Surge $1,000 Coverage ($3.99 per month): Covers electrical surges up to $1,000
• Gas Line Plus ($6.49 per month): Covers your interior gas line, interior gas restoration, exterior gas line, and exterior gas line restoration (maximum payout amount of $8,000)
• Exterior Electrical Line Coverage ($5.49 per month): Covers your exterior electrical line up to $2,000
• Water Heater Repair ($12.99 per month): Covers water heater repairs up to $850
• Water Heater Repair and Replacement Plan ($12.99 per month): Covers water heater repairs and replacements up to $850
• Interior Electrical Line Coverage ($5.49 per month): Covers up to $1,000 in your interior electrical line repairs
• Cooling System Coverage ($12.99 per month): Covers your cooling system up to $1,500
• Heating System Coverage ($12.99 per month): Covers your heating system up to $1,500
• Heating and Cooling Plan ($19.99 per month): Covers your heating and cooling system up to $10,000
• Home Comfort Plan ($29.99 per month): Covers your interior gas line, exterior gas line, cooling system, heating system, and water heater repair up to $10,000
• Tech Protection Essentials ($11.99): Covers essential home electronic devices including PCs, tablets, and televisions up to $3,000
• Tech Protection Premier ($17.99): An upgrade to the Total Protection Essentials package that adds cellphone protection and has a coverage limit of $3,000
• Add-ons: Additional refrigerator/freezer, exterior water service line, exterior septic line/tank, gas line, and sewer line, pool and spa systems, well pump, water softener

HomeServe is available in 48 states. It is not available in Alaska or Hawaii.

HomeServe has a sample contract available for each of its plans on its quote page. You can read through the terms and conditions to have a more precise understanding of your specific plan. The coverage caps for each plan option are outlined in the plan section above.

HomeServe is another highly rated company with the BBB, scoring an A rating for its customer service. HomeServe customers value the quality customer service experience HomeServe provides and the lack of service call fees when requesting a home system repair. A few complaints consist of repair delays and inconsistent follow-ups from customer service reps and service providers.