2020's Best Home Warranty Companies: Coverage, Pros & Cons, Reviews

Looking for a home warranty plan to insure your home appliances against normal wear and tear damage?
In this article, we will examine the best home warranty companies in the U.S in 2020. You’ll find a detailed breakdown of:

✓ Plans and pricing

✓ Benefits and restrictions

✓ Company reputation

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Best Home Warranty Companies Of 2020

1. American Home Shield

Good value from the combo plan

Serves 49 states across the U.S

Almost 50 years in business

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For the most comprehensive home warranty coverage across the United States, look no further than American Home Shield. The popular combo coverage package provides all your appliance and services coverage needs for one low price. Plus you can opt to reduce your monthly payments even more by selecting your own service call-out fee or even design your own plan to suit your needs.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

2. Amazon Home Warranty

Excellent home warranty plans reviews

Comparatively good monthly rates

Excellent customer service

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With a B accredited rating on the Better Business Bureau and high ratings across various review sites, you can trust you’re in good hands with Amazon Home Warranty services. All customers get one-month free coverage plus a $100 annual home warranty policy discount. Choose its popular Combo coverage plan to ensure you are covered for every possible situation.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

3. American Residential Warranty

Extra coverage for plumbing and electronics

Established company with high ratings

Variety of available plans

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As one of the oldest and most trusted home warranties in the U.S., American Residential Warranty will cover all your home warranty needs. They have a wide range of packages available covering everything from basic kitchen appliances and heating/cooling services to plumbing, electronics, and security devices. Customers can get additional discounts when they buy bundled service and appliance packages.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

4. TotalProtect Home Warranty

Broad number of systems and appliances covered

180-day guarantee on all labor

Coverage across all 50 states

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TotalProtect is an excellent choice if you want to ensure you have everything covered under one single plan. TotalProtect provides options to cover rare systems and appliances that many other companies won’t cover. In addition, its combination appliances and services package offers excellent value for money, with call-outs available 24/7, 365 days a year. You’ll never find yourself unprepared with TotalProtect, possibly the best home warranty in America.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

5. Select Home Warranty

Free roof cover for a limited period

Sign-up bonus for new customers

$100 off promotion

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The Select Home Warranty Platinum Care Plan is tailor-made to protect all your systems under one plan. Select Home Warranty offers you attractive bonuses and discounts when you sign up for an annual policy. The company currently has a $100 off discount and 2 months’ worth of free roof cover. They offer three attractively priced plans with reasonable prices and a wide range of covered appliances and services.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

6. AFC Home Club

Company contacts directly technicians of your choice

No home inspection required prior to sign-up

Flexible contract periods of 1 or 3 years

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AFC Home Club is one of the top home warranty picks and is known for its excellent overall home warranty coverage. Contact their customer service anytime and receive fast and reliable service in under 48 hours using a repair company of your own choosing. And don’t forget the great benefits you gain by just having an AFC policy.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

7. Choice Home Warranty

Competitive fees and reasonable liability caps

A leader in claim processing and service

Customizable plans to suit your needs

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With its outstanding reputation for customer service and claims processing within 4 hours or less, it’s no wonder Choice Home Warranty is one of the best-rated home warranty companies in the U.S. With Choice Home Warranty, you can easily create a plan to fit your specific needs if the existing plans are unsatisfactory.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

8. Cinch Home Services

Three service fee options to choose from

Persisting issues fixed at no extra cost

Hassle-free claim submission

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For guaranteed service, Cinch Home Services is unrivaled on the market, and it strives to make your home maintenance a hassle-free experience. It’s fully comprehensive Complete Home Plan offers full coverage at an affordable price, while the six-month guarantee offers you complete peace of mind. Cinch Home Services values its customers and prides itself on being the best home warranty company.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

9. First American Home Warranty

Competitive monthly cost and service fee

Pest control cover

Flexible plans

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First American Home Warranty will protect both your home and your budget for as little as $28 per month. They offer comprehensive protection plans with some of the best home warranty coverage limits in the industry. The add-on coverage allows you to tailor a plan to suit your requirements. First American Home Warranty will ensure its customers are looked after in emergencies.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

10. Liberty Home Guard

Fast, efficient, and transparent service

Choice of replacement options

Easy-to-use Customer Portal

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Liberty Home Guard boasts a sterling reputation. You only have to look at it’s BBB A rating and excellent home warranty reviews to know that this should be your chosen warranty provider. All service plans can be tailored to suit your needs and to protect one of your greatest assets. They guarantee a first-class service from top-notch, qualified technicians, and unbeatable claims response time.

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Service Recall Period

Plan Options

Add-On Options

Customer Support

Pricing

How We Created This List? - Our Methodology

To compile this review, we first made a shortlist of the best home warranty companies in the U.S.

We then gathered all the necessary details to evaluate each company, including:

  • Types of plans on offer
  • Pricing models
  • Restrictions and limitations
  • Waiting times
  • Guarantees
  • Customer service quality

To gauge the quality of their customer service we contacted each company with our questions and read through hundreds of independent online home warranty reviews online.

This provided us with a decent overall idea of how well the company operates and what its customers think about the services it offers.

At a Glance

  • Good value from the combo plan
  • Serves 49 states across the U.S
  • Almost 50 years in business
  • Build-it-yourself Plan
  • Variable service fee options
  • Customers can’t choose a technician
  • Home warranty ratings for customer service are low

American Home Shield has been in business for 49 years and is accredited by the Better Business Bureau (BBB) with a B rating. It is partnered with over 15,000 home appliance contractors across all of the U.S. except Alaska.
It scores a 4.9/5 star rating on ConsumersAdvocate.org but has only a 1-star rating on both Yelp and Trustpilot. Almost all complaints relate to customer service and long phone waiting times. Unfortunately, this is a common problem in the home warranty industry.

Plans & Pricing:

  • Appliances Plan ($49.99 / month)

Covers 10 appliances: refrigerator, oven, clothes washer/dryer, dishwasher, microwave, trash compactor, ice maker, garage doors, and food centers.

  • Systems Plan ($49.99 / month)

Covers 11 systems: air conditioning, heating, electrical systems, doorbells, fans, plumbing, smoke detectors, water heaters, garbage disposal, water dispensers, central vacuums, and rekey.

  • Combo Plan ($59.99 / month)

Combines both the Appliances and Systems plans.

  • Build-you-own Plan

Lets you pick and choose what appliances and services you need.

Additional Services

Add-ons include: pools, spas, well pumps, septic tanks, and guest units.

You can also get an extended warranty for electrical appliances like TVs, laptops, home theatre systems, etc.

As with most home warranties, mobile phones, software, and accidental failure are not covered.

Call-outs incur a one-off fee. You can choose to pay either a $75, $100, or $125 fee. The higher the call-out fee, the lower your monthly payments.

Discounts

American Home Shield offers discounts on several appliances and third-party services, including property and air filters discounts, plus a $25 Amazon Gift card for referring a friend.

Benefits & Limitations

American Home Shield offers varying options for service and monthly fees, plus a build-it-yourself plan.
Limitations: repairs guaranteed for only 30 days and services not available in Alaska.

Customer Service

According to reviews on Trustpilot or Yelp, American Home Shield has extremely long phone waiting times for customer service.

Read The Full American Home Shield Review

At a Glance

  • Excellent customer service
  • Excellent home warranty plans reviews
  • Comparatively good monthly rates
  • You can choose your own technician
  • Very comprehensive plans
  • Limited add-ons & Many exclusions

Amazon Home Warranty has been in business for 11 years and has an expansive contractor network of 40,000 companies across the U.S. It is one of the few companies that have no specific charge limit on appliances.

In addition, customers can select their own technician, which is rare even amongst the best home warranty companies.

Amazon Home Warranty scores 2.8/5 stars on ConsumerAffairs.com and 3.6/5 on Trustpilot, with most reviews giving positive feedback. The majority of negative reviews cite slow customer service responses and delays on repairs.

It has three plans covering appliances, systems, or both, and is available in 45 states, excluding California, Iowa, Missouri, Oklahoma, and Washington. At only $52 per month, the Combo plan offers the best value for money when doing a home warranty price comparison.

Plans & Pricing

  • Appliance Plan ($29 / month)

Covers dishwasher, refrigerator, clothes dryer, freezer, trash compactor, ovens, cooktops, clothes washer, and microwave.

  • Systems Plan ($36 / month)

Covers central AC, central heating, plumbing, electrics, water heaters, ductwork, jetted bathtub, and garage door openers.

  • Combo plan ($48 / month)

Combines the above services plus fans, doorbells, and garbage disposal.

Additional Services

There is a $75 service call fee for call-outs, which is in line with the industry standards.
Customers can also opt for additional appliance and service coverage, including pools, spas, septic tanks, well pumps, sprinkler systems, and ice makers.

Benefits & Limitations

As with most home appliance warranty companies, pre-existing conditions and individual components are not covered. Most appliances are covered up to $1,500 but there are coverage caps of $500 for fans, electrical, ductwork, plumbing, and water heaters. Air-con systems go up to $2,500 and limited to $1,000 coverage on “professional series” appliances.

No coverage for commercial grade equipment, cosmetic defects, or mismatched systems with incompatible components.

Customer Service

The customer service is available online or via phone and is well-rated.

At a Glance

  • Extras coverage for plumbing and electronics
  • Established company with high ratings
  • Variety of available plans
  • Service 24/7 365 days a year
  • Repairs guaranteed for 30 days
  • Low service call-out fee
  • Can’t file claims online
  • Can only cancel in writing
  • Repair cost limitations on certain appliances

Launched in 1946, American Residential Warranty is a long-running and established provider of home warranty insurance in the U.S., with an A+ rating from the BBB and 4.7/5 stars on Trustpilot. It offers 24/7 home warranty repair and replacement services to all U.S. states except California, Virginia, Florida, Iowa, Washington, and Texas.

It offers six different plans covering basics like heating and cooling, a kitchen plus plan, Platinum, Platinum Premier, a 3-in-1, and 4-in-1 bundle. In addition to general coverage, American Residential Warranty covers electronics in partnership with Asurion and security systems in partnership with SafeStreets.

Its higher-level plans also have coverage for water, sewage, plumbing, mismatched systems, and improper installation.

Plans & Pricing

  • Heating and Cooling Plan – ($39.99 / month)

Covers central air conditioning, central heating, humidifier, and interior electrical system.

  • Kitchen Plus – ($34.99 / month)

Covers washer & dryer, refrigerator, range/oven/cooktop, dishwasher, built-in microwave, garbage disposal, kitchen exhaust fan, and water heater.

  • Platinum – ($49.99 / month)

Covers everything in the Heating & Cooling and Kitchen Plus plans.

  • Platinum Premier – ($59.99 / month)

Covers everything in the Platinum Plan plus plumbing, ductwork, garage door opener, ice maker, and ceiling fans.

  • 3-in-1 Plan – ($109.99 / month)

Covers the Platinum Premier Plan plus Deluxe Advantage and Ultimate Electronics.

  • 4-in-1 plan – ($24.99 / month)

Covers the 3-in-1 plan plus sewer & water lines.

The service calls fee is $55 with a 30-day repair guarantee and a 60-parts guarantee.

Additional Services

The Deluxe Advantage plan covers A/C refrigerant coils, refrigerant recapture, toilets, internal mechanisms, plumbing faucets, mismatched systems, and improper installation, plus other home warranty services.

The Ultimate Electronics plan covers TVs, home theater systems, computers, laptops, game consoles, printers, and tablets.

Discounts

American Residential Warranty offers a $35 discount if you order online with a special code, and customers can save up to $12 a month with the bundle options.

Benefits & Limitations

Small home systems components like trays, knobs, seals, hoses, valves, dials, etc. are excluded. Payout caps are:

  • Plumbing: $500
  • External water/sewage: $2,500
  • Well pump: $1,000
  • Air conditioning: $1,000

Customer Service

American Residential Warranty offers customer service online or via phone, 24 hours a day, 365 days a year.

In a comparison of top home warranty companies, it can be considered very good with a 4.5/5 rating by customers on BBB.

At a Glance

  • Broad number of systems and appliances covered
  • 180-day guarantee on all labor
  • Coverage across all 50 states
  • Established company with a large client base
  • 24/7 service, 365 days a year
  • Many complaints regarding slow repair
  • Higher service fee than some providers

TotalProtect Home Warranty is well known for having low premiums and good quality service. Their network of 40,000 technicians across the U.S. is supported by customer service agents in Florida and South Carolina. It is part of Cinch Home Services Inc, a nationwide provider of home warranty insurance services.

TotalProtect has a B+ rating on BBB and a 3.5 score on Trustpilot. Most review sites give the company around a 3.5/5 star rating, with some complaints citing slow repairs and short claim submission deadlines. Despite customer service issues, TotalProtect is popular for being more affordable than most suppliers.

Plans & Pricing

All plans incur a $100 call-out fee, which is in line with other home appliance warranty companies.

  • Appliances Plan ($34.95 / month)

Coverage includes: refrigerator with built-in ice and water dispenser, wall oven, cooktop, range and exhaust hood, microwave, trash compactor, dishwasher, clothes washer/dryer, pools & spas (optional extra)

  • Systems Plan ($44.95 / month)

Coverage includes: garbage disposal, air-conditioning, heating, water heater, and toilets

Optional coverage includes: pools & spas, sump pump, whirlpool bath, plumbing lines and stoppages, exhaust fan, central vacuum, doorbells, garage door opener, smoke detectors, fuse box, interior, electrical lines, and interior gas line

  • Combo Plan ($58.95 / month)

Combination of the Appliances and Systems plan.

Additional Services

Coverage for these additional services is available for between $10 – $20 each per month:

  • Faucets, outside gas line, outside sewer line, outside water line, septic tank/septic tank pumping, well pump system with booster pump
  • Standalone freezer
  • Surge protection (available only in certain states)
  • Swimming pool and/or spa, heater for swimming pool and/or spa, water softener

Discounts

Annual payments get one month free or up to $100 cashback.

Customers can request a lower monthly fee if they commit to a higher service fee.

Benefits & Limitations

TotalProtect offers a 180-day workmanship guarantee which is one of the highest in our home warranty comparison.

No home inspection is required.

Customer Service

Customers can contact the help desk and place claims online or by calling the 24/7 phone line, 365 days a year.

Several independent review sites complain of slow responses by technicians or delays in getting repairs done.

Read The Full TotalProtect Home Warranty Review

At a Glance

  • Free roof cover for a limited period
  • Sign-up bonus for new customers
  • $100 off promotion
  • Discount and 2 free months on annual billing
  • Unlimited number of covered repairs
  • No pricing given for a service call
  • You may be charged a service fee for each type of repair

Select Home Warranty LLC has been in business for 8 years with headquarters in New Jersey. It is available in all states except California, Nevada, New York, Washington, and Wisconsin. It has a B rating on the BBB with only 1/5 stars, so it’s not the highest-rated home warranty company. However, with some of the cheapest rates on offer and a 4.3 rating on ConsumerAffairs, it certainly is worth considering.

Plans & Pricing

There are 3 different plans:

  • Gold Care ($36 / month)

Covers six systems: air conditioning, heating, plumbing, electrical system, water heater, ductwork

  • Bronze Care ($36 / month)

Covers eight appliances: clothes washer/dryer, garbage disposal, refrigerator, stove and oven, built-in microwave, cooktop, and dishwasher

  • Platinum Care ($42 / month)

Covers Gold and Bronze Care systems and appliances plus the garage door opener and ceiling fan.

The trade service fee is $60 or $75, which is lower than average amongst home warranty services.

Additional Services

Add-ons include: central vacuum, pool, sump pump, well pump, stand-alone freezer, sprinkler system, septic system, and roof leaks.

Real Estate Plans are available to realtors. For pricing, you can get a quote online or call customer service.

Discounts

Currently, Select Home Warranty has a special summer sale offering a $100 discount and 2 months free coverage.

There are also sign-up bonuses for first-time customers with multiple plans.

Benefits

  • Covers you during and after the purchase of a home. You don’t have to contact the estate agent or owner.
  • Free roof cover valued at $99.
  • Two extra months free if you pay annually.

Limitations

  • Roof leak cover does not include metal roofs, shingles, patios, gutters, or skylights.
  • Maintenance schedule records must be provided. If you cannot provide them, $150 is the maximum payout for appliances.
  • HVAC repair is limited to $2,000.

Customer Service

Claims can be filed 24/7 through an online form or by calling a representative on the customer service line. The process is started at once but it can take 24 to 96 hours for a major repair to be authorized.

Complaints have been made regarding the claim process and response time, but overall the company gets high home warranty ratings for its service.

Read The Full Select Home Warranty Review

At a Glance

  • Flexible contract periods of 1 or 3 years
  • No home inspection required prior to sign-up
  • Company contacts directly technicians of your choice
  • Best selection of plans and add-ons
  • Low cost and service fees
  • Pick your own technician
  • Guarantee period lasts as long as your plan
  • 2-4 days warranty claims turnaround time
  • To view pricing, personal details are required
  • $75 cancellation fee is charged

AFC Home Club was founded in 1999. It has a B rating by the Better Business Bureau and enjoys a 3.7/5 customer rating on the BBB website. It operates in all of the states nationwide except for California, Hawaii, Nevada, and South Carolina. AFC Home Club is one of the only home warranty companies to offer a lifetime guarantee on service repairs.

Plans & Pricing

You are given a quote on inspection and the pricing ranges from $350 to $600. A service fee of $75, $100, or $125 is payable at the time of repair.

  • System Plan:

Covers 7 systems: air conditioning, heating system, water heater, electrical and plumbing systems, and ductwork

  • Silver Plan:

Covers 7 major appliances: Washer, dryer, refrigerator, range/oven/cooktop, dishwasher, garbage disposal, and garage door opener

  • Gold Plan:

Everything covered by the above plans

  • Platinum Plan:

Everything covered by the Gold Plan plus ice maker and built-in microwave

Additional Services

You can add coverage for a sump pump, septic system, pool/spa, hot water dispenser, stand-alone freezer, tankless water heaters, central vacuum, or well pump.

Discounts

Discounts are given on maintenance parts and supplies as well as ADT home security systems.

Benefits 

With AFC Home Club’s home warranty insurance you can access these benefits:

  • Moneytips: Free credit monitoring and identity protection
  • Dealcash: Savings at restaurants and retailers
  • Emergency Alert Network: Notifies family or friends in an emergency

Limitations

  • Does not operate in California, Hawaii, Nevada, or South Carolina
  • No coverage for pre-existing conditions, known or unknown

Customer Service

You can contact customer service anytime, day or night, or simply file a claim online. A technician will be available within 24-48 hours.

At a Glance

  • Competitive pricing and reasonable liability caps
  • A leader in claim processing and service
  • Custom plans to suit your needs
  • A la carte pricing flexibility
  • Workmanship guarantee not as good

Choice Home Warranty dates back to 2008 and is available in 47 states across the US, excluding California, Oklahoma, and Wisconsin. The company has 3.7/5 stars on ConsumerAffairs and a B- rating on the BBB website with several complaints regarding repair delays.

Plans & Pricing

Choice Home Warranty only offers 2 plans, which are quite limited compared to most companies.

  • Basic Plan ($43.75 / month)

Covers repair or replacement of heating and plumbing, ductwork, ceiling fans, electrical system, exhaust fans, cooktop, range/stove, microwave, water heaters, dishwasher, and garage door opener.

  • Total Plan: ($52.50 / month)

Covers the items included in the Basic Plan plus HVAC systems, refrigerator, and washer/dryer

Additional Services

Get annually renewable extended warranty cover on systems and appliances for 13 months.

A la carte option to add anything not covered in the Basic and Total Plans, including pool/spa, well pump, sump pump, central vacuum, limited roof leak, septic system, second refrigerator, stand-alone freezer, or septic tank pumping.

Discounts

Get the first month free when signing up for a Choice home protection plan.

Benefits & Limitations

  • A la carte pricing is unique to Choice Home Warranty and allows for flexibility.
  • Limitations: Bear in mind that the a la carte option may prove to be more costly than the Total Plan

Customer Service

Choice Home Warranty has a remarkable reputation for excellent customer service. They offer flexible plans, competitive pricing, and the fastest claims processing timeframes.

Read The Full Choice Home Warranty Review

At a Glance

  • Three service fee options to choose from
  • Persisting issues fixed at no extra cost
  • 6-months guarantee
  • Making a claim through various channels is hassle-free
  • Plans start at less than $1 p/day
  • Rust and corrosion coverage
  • Quick online quote
  • You can't pick your own technician
  • No cover in Alaska and Hawaii
  • Higher service fee

Cinch Home Services is a home warranty provider that owns TotalProtect Home Warranty. The company has been operating nationwide except for Alaska and Hawaii for over 40 years. It is accredited by the BBB that awards it an A- rating. ConsumerAffairs.com has verified 2,357,758 positive reviews.

Plans & Pricing

Pricing depends on the chosen plan and your location. To find out how much a home warranty plan will cost, you can request a free quote. Three deductibles or service fee options are offered: $100, $125 or $150. A lower deductible may result in a higher monthly payment. The quotes below are for Houston, Texas. The service call fee in all cases is $150.

  • Appliances Plan: the most affordable home warranty plan ($34.99 / month)

Covers 12 appliances: clothes washer/dryer, cooktop, range, range exhaust hood, wall oven, dishwasher, built-in food center, built-in microwave, refrigerator, free-standing ice machine, and built-in trash compactor.

  • Built-In Systems Plan: ($39.99 / month)

Covers a large range of systems: electrical and plumbing systems, air con and heating systems, including ductwork, attic and ceiling fan, central vacuum, doorbell, garage door openers, instant water dispenser, smoke detector, garbage disposal, sump pump, whirlpool or jetted tub, toilets, and water heaters

  • Complete Home Plan: ($49.99 / month)

Everything covered by the above plans plus Homeowners Insurance Deductible Reimbursement

Additional Services

You can add a swimming pool, spa, septic system, and well pump. Separate plans are available for surge protection, technical support, and preventative maintenance.

Discounts

  • Cinch Home Services organizes discounts on the purchase of new appliances
  • $25 towards A/C or refrigerator filters
  • Free sensor to detect water leaks

Benefits & Limitations

There are a number of plan options and choices for the service fees. Protection is included for unknown pre-existing conditions.

Customer Service

Cinch Home Services guarantees that you can submit a home warranty service request quickly and easily using the Alexa app. It has some of the best home warranty reviews, following up quickly on any complaints or concerns.

Read The Full Cinch Home Warranty Review

At a Glance

  • Competitive monthly cost and service fee
  • Pest control cover
  • Flexible plans
  • Available in California, Arizona, and Nevada
  • Online homeowner center
  • Extra cost for air-conditioning coverage
  • Not available in all states
  • No cover for pre-existing conditions
  • Only covers wear and tear damage on systems and appliances

First American Home Warranty was launched in 1984 and covers 38 states and the District of Columbia. Its headquarters are in Santa Rosa, California. Although it has limited nationwide reach, it offers some of the best value for money available amongst home warranty providers. For less than $30 a month, customers can get home warranty coverage for the basics found in almost every home.

Plans & Pricing

Costs will vary depending on house size and location, so it’s best to get a free quote. Plans can be modified to suit your needs.

Trade service call fees vary but for the Basic Plan, it is $60.

  • Basic Plan ($28 / month)

Covers essential kitchen appliances such as dishwasher, garbage disposal, instant hot water dispenser, built-in microwave, trash compactor, oven/range/cooktop, washers, and dryers.

  • Premier Plan ($40 / month)

Covers the same as the Basic Plan, plus systems such as air con, heating, ceiling fan, central vacuum, electrical system, plumbing system, and plumbing stoppages.

Additional Services

  • Pool/spa $15.00
  • Central air conditioner $9.00
  • Additional refrigeration $4.00
  • Well pump $7.00
  • First-class upgrade $9.00

Coverage is also available for pest control, which is uncommon in home warranty programs.

Benefits

  • New contract holders get a 30-day review period custom plan for homeowners, realtors, or network service providers.
  • You can upgrade or expand your plan within the first 30 days to add additional items.

Limitations

Charge limits apply to certain items. This is the total amount paid to access, diagnose, repair, or replace items. For example:

  • Concrete encased plumbing and ductwork $500
  • Steam heated water or glycol heating $1,500
  • Kitchen refrigerator $2,500
  • Additional refrigeration (up to 4 units) $1,000
  • Seller’s heating, central air con, and ductwork $1,500
  • Septic tank system $500

Customer Service

You can contact customer service or file a claim 24/7 through the Account Center online or via phone. A technician will then contact the customer within 48 hours.

Emergency service is offered if the problem causes the house to become uninhabitable.

Read The Full First American Home Warranty Review

At a Glance

  • 10,000 Liberty Home Guard-certified technicians
  • Choice of replacement options
  • Easy-to-use Customer Portal
  • Fast, efficient, and transparent service
  • No maintenance records required
  • 60-day workmanship warranty
  • 30-day money-back guarantee
  • Does not cover all 50 states
  • No instant online quotes

Based in Brooklyn, Liberty Home Guard has only been in business for 2 years but has already made a name for itself as one of the best home appliance warranty companies.

Backed by a board boasting 100 years of experience it is accredited with an A rating by the Better Business Bureau (BBB). In addition, they have been awarded 4.6/5 by ConsumerAffairs, 4.8/5 by Google, 4.5/5 by Trustpilot, and 4.9/5 by Sitejabber.

They work with a large network of licensed contractors across 40 states and Washington DC.

Plans & Pricing

Costs depend on location, house size, and your choice of coverage, so prices are not listed on the website. A trade service fee of $60 is charged for each technician visit. The daily prices below are an estimate:

  • Appliance Guard ($1/ day)

Covers 9 appliances: Washer/dryer, refrigerator, ice maker and dispenser, built-in microwave dishwasher garbage disposal, range/oven/cooktop, ceiling and exhaust fans, and garage door opener

  • Systems Guard ($1 / day)

Covers 6 systems: air conditioning, heating, ductwork, plumbing, electrical, and water-heating systems

  • Total Home Guard ($1.50 / day)

Combination of the above plans

Additional Services

Add-ons include pool and spa, sump pump, well pump septic system, additional refrigerator, and stand-alone freezer. They also offer other services, including roof leaks, rekeying locks, annual gutter cleaning, pest control, and floor cleaning.

Discounts

Discounts and special offers are available on Black Friday and Cyber Monday.

Benefits & Limitations

  • The Customer Portal allows you to get live claims process updates and to see the estimated arrival time of a technician. You can use your own contractor if you prefer.
  • If an item can’t be fixed, you can replace it, upgrade, or take cash.
  • Within 30 days of purchase, you can change your plan, adding and removing items.

Limitations: The waiting period before claiming is 30 to 60 days to avoid claims for pre-existing conditions.

Customer Service

Submit a claim by phone or online at any time and have a technician at your home within 24 hours. Their newly launched Customer Portal makes it easy for customers to access and manage their accounts, file claims, add and subtract items from the warranty and track their billing.

Best Home Warranty At A Glance

  • American Home ShieldBest home warranty in California
  • Amazon Home WarrantyBest for both appliances and systems coverage
  • American Residential WarrantyBest home warranty for customizable coverage
  • TotalProtect Home Warranty – Best home warranty for big systems
  • Select Home WarrantyMost affordable home warranty
  • AFC Home Club – Best home warranty in Florida
  • Choice Home Warranty – Best overall home warranty
  • Cinch Home Services – Best for long-term repair guarantee
  • First American Home Warranty – Best customer service
  • Liberty Home Guard – Best-rated home warranty provider

How To Choose The Best Home Warranty In 2020

Most people get a home warranty for the protection of their appliances and systems. You can also opt for a home warranty if you are selling a property. A home warranty provides peace of mind against defects and potential complaints.  

There are several types of home warranties:

✓ A Systems and Appliances Home Warranty covers repairs to electrical, plumbing, heating, and air-con systems, and household appliances during listing and sale of your existing property.

Structural Warranty covers defects that may occur during the building of new constructions, while a Remodeler’s Warranty covers structural change and additions.

Systems and Appliances Home Warranty Service contracts differ from an individual appliance warranty. The latter is often provided – for a limited period – with a newly purchased single appliance. Furthermore, an Extended Warranty/Service Contract is offered by the installer, to cover the maintenance of a new system installation.  

Costs

  • Top home warranty companies range from $350 to $600 p/year.
  • Extended Home Warranty adds an additional $100 to $500 depending on extras requested.

Claim Process Times & Service Requests

  • In most cases, 30 days after you purchase the warranty you can request service.  
  • Once you file a claim you should get an appointment within 48 hours. In an emergency, a technician will be sent as soon as possible.

Reimbursement Options

  • Reimbursement only applies to claims covered by your Home Warranty Agreement. The service fee, diagnosis, parts, labor, and tax are all included.  The service fee is deducted from the gross total, and the cheque will be received within 30 days.  

Service fees

  • Home warranty providers usually charge a trade call fee from $60 to $125 which must be paid directly to the technician at the time of service.  

Exclusions & Limitations

  • Problematic appliances, like refrigerators and ice machines, and costly systems, like heating and plumbing, are often excluded, or their coverage is limited.
  • Claims may be denied if the breakdown is caused by a pre-existing condition, power surges, or improper use of the appliance in question. 
  • Although some home warranties cover appliances in your garage, car warranty needs to be purchased separately.

How Much Does a Home Warranty Cost? 

The cost of home warranty programs depends on the provider and the plan you choose. Almost all providers offer an appliance plan and a systems plan, which can be taken separately or combined. 

In general, an Annual Plan costs around $480 and covers home appliances or systems. For both, it’s typically around $600.

Costs may vary depending on where you live, for example, the above costs may apply to a home in Ohio but in Westchester, N.Y. you might pay $900 and $1,020 respectively.

What are the most common options?

The best home warranty plans usually include:

  • For one particular appliance or system, the cost varies with the item/system
  • For all your appliances, the cost on average is $480/year
  • For all your appliances and systems, the cost on average is $600/year

What are the extra fees?

A trade service fee is between $60 and $125 for every service call.

Add-On Options

  • Licensed technicians may charge extra on weekends and holidays which may not be covered by the home warranty company.

Cancellation Policy

  • You can get a pro-rated premium refund if you terminate within 30 days from your order, but expect to pay a cancellation fee plus any service costs.  
  • Think carefully before embarking on a home protection plan. It’s important to compare the value of such a plan against the repair or replacement costs. If your home is new and appliances are well-maintained, a home warranty may be an unnecessary expense.

What Does A Home Warranty Cover?

The common options offer cover for: 

  • home systems such as central heating, ventilation, hot water, plumbing, electrical, etc. or
  • items like the refrigerator, stove, washer, dryer, ice machine, etc. 
  • or both.

Some items are not covered such as septic tanks, pools, and spas unless you have specified that they are included and paid the extra cost. In some instances, even the best home warranty companies do not provide coverage for such systems.

  • Waiting periods

Once you submit a complaint, your home warranty company will decide on a service provider. Generally, the technician will contact you within 24 to 48 hours to arrange a suitable time. However, if for any reason he doesn’t keep the appointment, you can’t contact another technician or the claim becomes invalid. 

  • Repair Guarantee

If an initial repair doesn’t work or is considered an overly expensive repair job, the faulty system or appliance may be replaced by the provider. However, if they only pay depreciation value or offer a cheaper option, you will have to pay the difference. 

There have been complaints that certain providers do not guarantee the work of the service technicians they send out. Often the repair may be superficial and the root problem may go unattended. 

  • Pre-existing conditions

If you purchase an older property without a home warranty already in place you may find that its old electrical or plumbing system has underlying problems due to poor maintenance. This often leads to disputes between the company and the warranty holder as to the nature of the problem. 

Summary

We hope that by now you have a good understanding of what to look for when checking the best home warranty companies in 2020. Our reviews are especially handy if you are someone who has no experience in home maintenance or you are selling a home and you want to ensure that, should there be any complaints after the sale, any maintenance problems will be covered by the home warranty. Should you need more, check out the FAQs for more details.

FAQ

Why get a home warranty?

If you purchase an old property, electrical and plumbing systems have often been neglected and can be very expensive to fix or replace.
In houses owned by large families, systems and appliances are generally under increased strain and may require maintenance or replacement more often.

Is it worth it to get a home warranty?

If you have a lot of expensive appliances and systems, home warranties can save you a lot of money in the long run. Smaller homes with only one or two occupants and minimal appliances would likely not benefit from a home warranty.

How does a home warranty work?

You simply sign up for your chosen package, and once the plan kicks in (usually after 30 days), all your selected services and appliances are covered for repairs or replacement. There is a small service charge per callout. Otherwise, all costs are covered by the company.

What’s the difference between a home warranty and homeowners insurance?

Insurance protects your devices against theft or accidental damage, whereas home warranty covers all minor repairs or breakdowns of appliances and home services. The best home warranty companies cover everything from electrical systems and plumbing to heating, air con systems, and general appliances.