The Best Home Warranty Companies for Keeping Repair Costs Down

You just purchased your dream house or moved into the perfect rental along with the elegant décor that turns your house into your home. It has been a few months and everything is unpacked and placed in its designated spot. However, within a few months of moving in, you get hit with a costly and unexpected expense when your heater blows out during the winter.With a new mortgage payment and a limited amount in savings, you're looking at numerous financial options on how to pay for this unexpected expense. Had you purchased a home warranty plan, this expense—as well as any major systems and appliances that may need repair or replacement in your home—would have been covered.Indeed, buying a home warranty plan is a safeguard against unexpected costs as well as stress. But choosing the right plan is no easy task—there are many factors to consider, including budget, type of home, and lifestyle. Here’s a look at the top 10 home warranty plans and which might be right for your new home.
The Best Home Warranty Companies for Keeping Repair Costs Down

You just purchased your dream house or moved into the perfect rental along with the elegant décor that turns your house into your home. It has been a few months and everything is unpacked and placed in its designated spot. However, within a few months of moving in, you get hit with a costly and unexpected expense when your heater blows out during the winter.With a new mortgage payment and a limited amount in savings, you’re looking at numerous financial options on how to pay for this unexpected expense. Had you purchased a home warranty plan, this expense—as well as any major systems and appliances that may need repair or replacement in your home—would have been covered.Indeed, buying a home warranty plan is a safeguard against unexpected costs as well as stress. But choosing the right plan is no easy task—there are many factors to consider, including budget, type of home, and lifestyle. Here’s a look at the top 10 home warranty plans and which might be right for your new home.

1

Choice Home Warranty

Peace of mind from a nationwide provider

Choice Home Warranty Review

Choice Home Warranty is a well-established home warranty company with a large base of long-term customers. Many …
  • Best forFull-spectrum coverage
  • Average annual premium$485
  • Service requests24/7 online and phone

Choice Home Warranty provides protection for all of your home’s systems and appliances in case of damage or break down. Customers can choose from 2 home warranty plans, the Basic or the Total plan, and both are reasonably priced. 

Choice Home Warranty plans include all of the most common household appliances and systems including HVAC, electrical, plumbing, water heaters, refrigerators, microwaves, dishwashers, ovens, and clothing washers and dryers. There are also some usual add-ons like pools, spas, well pumps, and stand-alone freezers, not to mention the less frequently covered roof leaks.

You don’t have to worry about your home or appliances being in tip-top shape in order to receive coverage. In fact, Choice Home Warranty doesn’t require a home inspection at all. You can get coverage 30 days after the contract is signed, but you can have this grace period waived if you were just recently covered by another reputable home warranty service. What we really like about Choice Home Warranty is that you can call in a claim at any hour of the day or even night. Service requests are taken 24/7.

Positive
  • First month free
  • Round-the-clock claims hotline
  • Low service-call fee
Negatives
  • Only available in 47 states
2

Select Home Warranty

Home protection without the fuss

Select Home Warranty Review

Select Home Warranty provides coverage for homeowners looking for a basic but solid home warranty plan at an …
  • Best forAccessibility and ease of purchase
  • Average annual premium$379
  • Service requests24/7 online and phone

Select Home Warranty offers 3 home warranty packages, the Bronze, Gold, and Platinum Care Plans, and there are several add-ons you can include as well. The Bronze package is basically an appliances plan, covering your basic home appliances. The Gold is the systems plan, and the Platinum is the combo package, which covers everything from appliances and air conditioning systems to your garage door. So, you pick can the option that works best for you. 

Select Home Warranty makes it easy to get coverage, not requiring any home inspection before purchasing a plan. But what is really impressive about this company is the huge network of contractors it has on staff. The more contractors available to you in your area, the faster you can expect a technician to arrive and have your item fixed. All technicians employed by Select Home Warranty are qualified and experienced professionals, so you can trust that you are getting quality work done.

Positive
  • Vast network of contractors
  • Available in all but 5 states (CA, NV, NY, WA, WI)
  • Low monthly pricing, discounts offered
Negatives
  • Claims must be filed within 3 days
  • Website has no live chat
3

Liberty Home Guard

Transparent provider with 24/7 access

Liberty Home Guard Review

Liberty Home Guard is a responsible home warranty provider that focuses on helping you when something goes wrong. …
  • Best forOnline accounts and support
  • Average annual premium$399
  • Service requests24/7 online and mobile app

Liberty Home Guard offers solid warranty plans with personal online accounts that make them manageable for busy professionals. The coverage is pretty traditional, with one appliance plan, one systems plan, and the total home guard package that combines the 2. What stands out about Liberty is its consistency and accessibility. The company lays all of its information on the table and offers numerous avenues for interacting with customer service. When you sign up for a warranty plan, you can create an online account, which is where you can manage your plan and request service calls. Liberty uses a nationwide network of contractors though it allows out-of-network contractors upon request.  

Positive
  • Three comprehensive plans
  • Request service through personal online account page
  • Use out-of-network contractors upon request
Negatives
  • Unavailable in some US states
  • Cumbersome website
4

Home Service Club

Coverage for every component of your home

Home Service Club Review

The Home Service Club (HSC) may have only been incorporated as a company in 2011, having started as a business in …
  • Best forCustomizing a plan that works for you
  • Average annual premiumMust request quote
  • Service requests24/7 online or by phone

Since 2008, Home Service Club has been helping homeowners protect their homes with fully stacked home warranty packages and add-ons that allow for flexibility, customization, and plans that can bend to the needs of each house. 

Home Service Club offers 2 main warranty packages, both of which cover a generous number of both services and appliances. The 18-point standard plan offers coverage on essentials such as electrical and plumbing systems, refrigerators, washers and dryers, as well as HVAC systems. The comprehensive plan tacks on pest control, smoke detectors, and even whirlpools. The company offers flexible add-ons as well as a separate utility and line package for components running outside of the home including electric, gas, and water lines. 

Customers can file claims with HSC 24/7 and have access to a network of more than 15,000 licensed technicians. Claims files range from $65-$125 per visit and each repair comes with a 90-day guarantee. Though the company is not transparent with its pricing and requires customers to request a quote online, its generous warranty packages and customization options earn it high marks and make it worth getting in touch for more information.

Positive
  • Comprehensive 18- and 33-point warranty packages
  • Add-ons allow you to customize a plan that meets your needs
  • 90-day workmanship guarantee on all repairs
Negatives
  • Need to request a quote for pricing
  • Out-of-network contractors only available on a case-to-case basis
5

Total Home Protection

24/7 support and solid customer service

Total Home Protection Review

Total Home Protection is a subscription home warranty service that offers to replace or repair household appliances …
  • Best forTransparency and accessibility
  • Average annual premium$419
  • Service requests24/7 online and phone

Total Home Protection offers straightforward home warranty plans for homeowners and real estate professionals. The plans are easy to parse out and the company offers everything you’d want in regards to contractors and claims filing. The lack of pricing on the website is unfortunate, but the overall transparency and abundance of contact information is reassuring.

THP offers 2 major plans, a Gold and Platinum plan. Both are relatively standard, with the Gold plan offering 15 components including the plumbing system, electrical system, and most common appliances, while the Platinum adds AC and heating systems to the list as well as additional appliances. Homeowners can opt for additional add-ons such as pool/spa and extra appliances. 

As far as service details go, Total Home Protection falls near the top of the list. It features a wide network of contractors who are thoroughly vetted, licensed, and insured. You can file claims 24/7 online and via hotline, which makes it a contender for sheer convenience alone.

Positive
  • Plans are easy to understand
  • Pre-screened contractors
  • 24/7 claims filing
Negatives
  • No prices on the website
  • Basic plan has less coverage than typical plans
6

Complete Care Home Warranty

Home warranty without limits

Complete Care Home Warranty Review

Complete Care is a fresh new face on the home warranty sector, but it’s already making waves. With …
  • Best forOlder appliances, several add-ons
  • Average annual premium$420
  • Service requests24/7

Complete Care is a home warranty policy provider that offers coverage for a variety of home appliances and systems. You can make unlimited claims with your policy, and Complete Care doesn’t require that you have a home inspection before your coverage can start. Homeowners can make claims any time of day or night by calling the customer service line that’s available 24/7, 365 days a year.

Complete Care home warranty is available for any of the covered systems or appliances, regardless of the age. And what’s more, Complete Care offers a protection guarantee. This means that if the technician can’t repair your appliance or system, Complete Care will replace the item.

Positive
  • Unlimited service claims
  • Protection guarantee
  • 24/7 claims department
Negatives
  • Limited information on the site
  • Smaller items not covered
7

AFC Home Club

Thorough plans with extended guarantees

AFC Home Club Review

AFC Home Club distinguishes itself by including additional lifestyle benefits in its home warranty plans. Customers …
  • Best forHomeowners on a budget
  • Average annual premium$350
  • Service requests24/7 online and phone

Another home warranty that emphasizes choice, America’s 1st Choice Home Club offers more plans than the average provider as well as the ability to choose your own technicians. 

AFC’s 3 plans offer plenty of freedom in choosing a path that’s right for each home and lifestyle. As far as coverage, the plans are consistent with industry standards: there are 3 levels of home warranty, ranging from Bronze to Platinum, that include all the essential appliances and systems as well as optional add-ons such as pools and septic systems. 

Whereas most home warranties provide 30-60-day guarantees on work and labor, AFC extends the period for as long as your membership lasts, an impressive bonus that far exceeds most other companies. The company also lets you choose your own contractors when service is needed (though they can provide a contractor as well), and offers easy service requests through its website. 

Positive
  • Parts and labor guarantee for the duration of your membership
  • Choose your own technician
  • Three plans with plenty of flexibility
Negatives
  • No pricing on website
  • Little terms and conditions info
8

First American Home Warranty

Budget-friendly plans tailored to your home

First American Home Warranty

First American Home Warranty offers 2 home warranty plans that each cover more than the next, including a ‘one day …
  • Best forAbundant and flexible plan types
  • Average annual premiumN/A
  • Service requests24/7 online and phone

First American Home Warranty has the impressive claim to service close to half a million customers across the US, and with simple, straightforward contracts, low pricing, and professional technicians, this is no surprise.

Whether you opt for the Basic or the Premier coverage plan, First American Home Warranty plans are some of the lowest priced home warranty coverages in the industry. What’s even more exciting about First American Home Warranty, is that it allows you to pick and choose some of the coverage options, with up to 35 add-ons to choose from. This means you will only pay for the items you want in your plan.

All First American Home Warranty technicians are pre-screened, which means they are carefully vetted to ensure that they’re qualified to do their job and will do so in a professional manner. Another useful feature of First American Home Warranty is that technicians are available 24/7, 365 days a year. You can even get a technician to come down on Thanksgiving, July Fourth, or Easter. Isn’t it time you lived more securely? 

Positive
  • Guarantee on all work done
  • Long-standing reputation
  • 24/7/365 claims and coverage
Negatives
  • Not available in some states
  • A/C coverage costs extra
9

Advanced Home Warranty

Simple coverage with speedy responses

Advanced Home Warranty Review

Advanced Home Warranty provides top nationwide service and has a dedicated customer service team to personally deal …
  • Best forLow service-fee costs
  • Average annual premium$370
  • Service requests24/7 hotline

Advanced Home Warranty’s strengths are not reflected in its website, which is sparse and somewhat lacking in essential information. This is a shame, since its home warranties are worth advertising. AHW offers 2 plans, a Basic and Total plan, whose coverage runs the gamut of essential appliances and systems. 

Though the website is threadbare, the policies themselves are fleshed out and supplemented with solid service. The company offers a 24/7 claims hotline and responds to requests within 2 business days. Service call fees are fixed at $60 and include a 90-day guarantee on parts and 30 days on labor. 

Positive
  • Two comprehensive plans
  • 24/7 claims hotline
  • 90-day guarantee on parts, 30 days on labor
Negatives
  • Sparse website
  • No online service requests
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