Trusted Home Warranty Companies in 2021

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 2021. You’ll find a detailed breakdown of:

Plans and pricing
Benefits and restrictions
Company reputation

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1. Choice Home Warranty

Choice is among the rare home warranty companies available in Alaska. Besides covering all the important appliances and systems, it also comes with pricing flexibility and custom plans. Fast claim processing is the icing on the cake. Full Review

  • Customizable plans to suit your needs
  • A leader in claim processing and service
  • Competitive fees and reasonable liability caps
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Choice is among the rare home warranty companies available in Alaska. Besides covering all the important appliances and systems, it also comes with pricing flexibility and custom plans. Fast claim processing is the icing on the cake. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★★ 5/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★★ 5/5

2. Liberty Home Guard

10,000 certified Liberty Home Guard technicians offer a 60-day workmanship warranty. No maintenance records are required, while pest control, annual gutter and floor cleaning are included. Non-fixable items get replacement or reimbursement, and you’ll get live claims process updates as well. Full Review

  • Easy-to-use Customer Portal
  • Choice of replacement options
  • Fast, efficient, and transparent service
VISIT SITE

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10,000 certified Liberty Home Guard technicians offer a 60-day workmanship warranty. No maintenance records are required, while pest control, annual gutter and floor cleaning are included. Non-fixable items get replacement or reimbursement, and you’ll get live claims process updates as well. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★★ 5/5

Pricing

★★★★☆ 4/5

3. Complete Home Warranty

Complete Home Warranty is likely the best home warranty with no deductible, and available in all 50 states. The company offers a free preventative maintenance check, and lets you choose your own technician. Full Review

  • No service call fees/deductibles
  • Free preventative maintenance check
  • Available in all U.S. states + parts of Canada
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Complete Home Warranty is likely the best home warranty with no deductible, and available in all 50 states. The company offers a free preventative maintenance check, and lets you choose your own technician. Full Review

Service Recall Period

★★★★★ 5/5

Plan Options

★★★★★ 5/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★★★ 5/5

Pricing

★★★☆☆ 3/5

4. American Home Shield

According to many, AHS is the best home warranty for electrical systems. With over 15,000 home appliance contractors and the ability to build your own plan, you can be sure your AC, garage doors, and other systems are covered. Full Review

  • Almost 50 years in business
  • Serves 49 states across the U.S
  • Good value from the combo plan
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According to many, AHS is the best home warranty for electrical systems. With over 15,000 home appliance contractors and the ability to build your own plan, you can be sure your AC, garage doors, and other systems are covered. Full Review

Service Recall Period

★★★★★ 5/5

Plan Options

★★★★★ 5/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★☆ 4/5

5. Select Home Warranty

Probably the best home warranty in DC, Select Home Warranty’s plans start with a free roof cover. Besides a wide coverage of appliances and systems, as well as a sign-up bonus, there’s also an unlimited number of covered repairs. Full Review

  • $100 off promotion
  • Sign-up bonus for new customers
  • Free roof cover for a limited period
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Probably the best home warranty in DC, Select Home Warranty’s plans start with a free roof cover. Besides a wide coverage of appliances and systems, as well as a sign-up bonus, there’s also an unlimited number of covered repairs. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★★ 5/5

Pricing

★★★☆☆ 3/5

6. AFC Home Club

Pick technicians of your choice and enjoy a guarantee period of the length of your plan. Apart from covering seven major appliances and featuring great add-ons, AFC Home Club also provides free credit monitoring, savings at restaurants, and emergency alerts. Full Review

  • Flexible contract periods of 1 or 3 years
  • No home inspection required prior to sign-up
  • Company contacts directly technicians of your choice
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Pick technicians of your choice and enjoy a guarantee period of the length of your plan. Apart from covering seven major appliances and featuring great add-ons, AFC Home Club also provides free credit monitoring, savings at restaurants, and emergency alerts. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★★ 5/5

7. First American Home Warranty

One of the top home warranty companies in Columbia SC and wider offers flexible plans and a competitive monthly cost for basic coverage. A 30-day review period to change your custom plan, pest control, and emergency service are available with this best home warranty coverage. Full Review

  • Flexible plans
  • Pest control cover
  • Competitive monthly cost and service fee
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One of the top home warranty companies in Columbia SC and wider offers flexible plans and a competitive monthly cost for basic coverage. A 30-day review period to change your custom plan, pest control, and emergency service are available with this best home warranty coverage. Full Review

Service Recall Period

★★★★★ 5/5

Plan Options

★★★★★ 5/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★★★ 5/5

Pricing

★★★★☆ 4/5

8. Cinch Home Services

Many see Cinch as the best home warranty for pre-existing conditions. The 6-month guarantee covers 12 appliances including attic and ceiling fans, multiple systems, and even provides coverage for rust and corrosion. Full Review

  • Hassle-free claim submission
  • Persisting issues fixed at no extra cost
  • Three service fee options to choose from
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Many see Cinch as the best home warranty for pre-existing conditions. The 6-month guarantee covers 12 appliances including attic and ceiling fans, multiple systems, and even provides coverage for rust and corrosion. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★★ 5/5

9. Landmark Home Warranty

Landmark Home Warranty has flexible pricing for which you’ll get pest control, subterranean termite treatments, no-fault coverage for certain systems, and much more. The add-ons available are tailored to your needs and budget. Full Review

  • Flexible pricing packages
  • No-fault coverage for certain systems
  • Pest control, subterranean termite treatments
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Landmark Home Warranty has flexible pricing for which you’ll get pest control, subterranean termite treatments, no-fault coverage for certain systems, and much more. The add-ons available are tailored to your needs and budget. Full Review

Service Recall Period

★★★★★ 5/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★☆☆ 3/5

Pricing

★★★★☆ 4/5

10. Amazon Home Warranty

Amazon Home Warranty boasts some of the best rated home warranty plans. Choose your own technician from some 40,000 companies all over the States, and at good monthly rates. There is no specific charge limit on appliances and add-ons include even jetted bathtubs. Full Review

  • Excellent customer service
  • Comparatively good monthly rates
  • Excellent home warranty plans reviews
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Amazon Home Warranty boasts some of the best rated home warranty plans. Choose your own technician from some 40,000 companies all over the States, and at good monthly rates. There is no specific charge limit on appliances and add-ons include even jetted bathtubs. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★★ 5/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★★★ 5/5

Pricing

★★★★☆ 4/5

11. American Residential Warranty

Those looking for the best residential home warranty won’t go wrong with this company. Apart from a wide variety of plans, users also get extra coverage for plumbing, electronics, and even improper installation. Full Review

  • Variety of available plans
  • Established company with high ratings
  • Extra coverage for plumbing and electronics
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Those looking for the best residential home warranty won’t go wrong with this company. Apart from a wide variety of plans, users also get extra coverage for plumbing, electronics, and even improper installation. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★★ 5/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★★ 5/5

12. One Guard

One Guard has affordable plans which cover even the pre-existing conditions. For many the best residential home warranty offers home maintenance plans, and also deals with incompatible HVAC equipment. Full Review

  • 24/7 customer support
  • Pre-existing conditions coverage
  • Home maintenance service plans
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One Guard has affordable plans which cover even the pre-existing conditions. For many the best residential home warranty offers home maintenance plans, and also deals with incompatible HVAC equipment. Full Review

Service Recall Period

★★★★☆ 4/5

Plan Options

★★★★☆ 4/5

Add-On Options

★★★★☆ 4/5

Customer Support

★★★★☆ 4/5

Pricing

★★★★☆ 4/5

How We Created This List? – Our Methodology

To compile this review, we first made a shortlist of the top-rated 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 reviews of home warranty options.

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

Companies Providing Home Warranty: Reviews

Choice Home Warranty
Choice Home Warranty
Choice Home Warranty

Best Overall Home Warranty

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  • 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

Liberty Home Guard
Liberty Home Guard
Liberty Home Guard

Best-Rated Home Warranty Provider

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  • 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
  • No instant online quotes
  • Does not cover all 50 states

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

Liberty’s 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.

These rightly make Liberty Home Guard the best-rated home warranty company in many reviews.

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.

Read The Full Liberty Home Guard Review

Complete Home Warranty
Complete Home Warranty
Complete Home Warranty

Best Variety of Plans

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  • No service call fees/deductibles
  • Free preventative maintenance check
  • Available in all U.S. states + parts of Canada
  • Choose your own technician
  • Extra $5 charge for rental
  • Relatively high plan costs
  • Limited appliance coverage for lower plans

Complete Protection claims to be one of the top home warranty picks that does things a little differently. For one, they cover all service call-related expenses, so you won’t face any out-of-pocket expenses (as long as it’s covered by your policy). They also provide 24/7 customer support and claim to have less confusing exclusions clauses than their competitors.

They are also a BBB accredited business with an A+ rating as well as highly favorable customer reviews on sites like Trustpilot. Established in 1998, their coverage is available in all 50 U.S. states as well as some Canadian territories.

Plans & Pricing

With four options to choose from, it’s a good bet that you’ll find a suitable home protection plan for you. Here’s a quick breakdown:

  • Essential: $45 per month
    • 3 Appliances
    • HVAC system
  • Advanced: $55 per month
    • 6 appliances
    • HVAC system
    • Free preventative maintenance check
  • Comprehensive: $65 per month
    • All the above, PLUS
    • Plumbing and electrical system coverage
  • Ultimate: $75 per month
    • 8 Appliances
    • All the above, PLUS
    • Electrical fixtures

It’s easy to see why Complete Protection can offer fewer exclusions and no service call fees. Their plans aren’t the most comprehensive, with a relatively narrow scope for what falls under each plan, especially for the Essential and Advanced plans.

Still, if complete transparency and not having to face any surprises is important to you, the straightforwardness of these packages are highly attractive. Although slightly more expensive, with no service call fees or deductibles, you’ll probably cover the difference in price after only one or two service requests.

American Home Shield
American Home Shield
American Home Shield

Top Home Warranty in California

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  • 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
  • Home warranty ratings for customer service are low
  • Customers can’t choose a technician

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 house 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, which is rare even among the highest-rated home warranty companies.

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 warranty service providers, 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

Select Home Warranty
Select Home Warranty
Select Home Warranty

Most Affordable Home Warranty

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

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.

If you are stuck on a Cinch vs Select Home Warranty dilemma, you should check what they offer and their prices. If, for example, prices were the most vital determiner, Select Home Warranty may be a more suitable choice.

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

AFC Home Club
AFC Home Club
AFC Home Club

Highest Quality Home Warranty in Florida

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

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.

We’ve noticed while researching that people had a hard time choosing between AFC Home Club vs. TotalProtect. You should know that both companies have more or less similar prices but offer coverage of different appliances. Below, you’re going to see what exactly is different.

  • System Plan:

AFC Home Club 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.

Read The Full AFC Home Club Review

Cinch Home Services
Cinch Home Services
Cinch Home Services

Best for Long-Term Repair Guarantee

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

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 plenty of positive reviews, following up quickly on any complaints or concerns.

Read The Full Cinch Home Warranty Review

First American Home Warranty
First American Home Warranty
First American Home Warranty

Customer Service

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

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. For many, the choice comes down to Cinch vs American Home Warranty, and it’s precisely the price that tips the scales.

  • 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.

This company offers home emergency insurance solutions if the problem causes the house to become uninhabitable.

Read The Full First American Home Warranty Review

Landmark Home Warranty
Landmark Home Warranty
Landmark Home Warranty

Best No-Fault Coverage

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  • Pest control, subterranean termite treatments
  • Flexible pricing packages
  • Up and down support availability
  • Not available in all states
  • No appliance-only plans
  • No-fault coverage for certain systems

Landmark was founded in 2004 and acquired by the nationwide American Home Shield in 2016. Still, they stuck to their regional roots and are currently available in 6 states – Nevada, Idaho, Utah, Oregon, Arizona, and Utah.

Plans & Pricing

Landmark is an affordable home warranty plan provider with two packages for current homeowners (having owned and stayed in the home for over 30 days). Prices may vary according to your state, but these are the rates for Texas:

  • Total Protection Plan: $55.84 per month
  • Home Systems Plan: $35 per month

While the former covers both your systems and appliances, the latter only covers systems, like HVAC, Heating, Electrical, and Plumbing. Landmark also covers certain other services that aren’t always included, like rekeying, pest control, or tuning up your heating system.

There’s also a handy list of add-on coverages, which is particularly useful for Home Systems Plan users. It allows you to pick and choose specific appliances to cover, tailored to your exact needs and budget. There are also options not included with the Total Protection Plan, such as the septic system, pool and hot tub, and well pump. However, to be fair, these aren’t usually covered as standard by other home warranty companies either.

Service call fees are either $60, $70, or $100, depending on the type of service.

Landmark generally have favorable reviews, although customer feedback is more spotty on sites like Trustpilot. Most complaints are regarding slow response times or unavailable support.

Amazon Home Warranty
Amazon Home Warranty
Amazon Home Warranty

Best for Both Appliances and Systems Coverage

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  • Excellent customer service
  • Excellent 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 highest-rated 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.

Read The Full Amazon Home Warranty Review

 American Residential Warranty
American Residential Warranty
 American Residential Warranty

Best for Customizable Coverage

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  • Extra 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
  • Repair cost limitations on certain appliances
  • Can only cancel in writing
  • Can’t file claims online
  • Low service call-out fee

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 otherservices.

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.

Read The Full American Residential Warranty Review

One Guard
One Guard
One Guard

Pool Coverage

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  • Coverage for pre-existing conditions is available
  • Home maintenance service plans
  • Simple and affordable plans
  • 24/7 customer support
  • Only available in Arizona, Nevada, Texas
  • Mandatory service fee

Founded in 1990, One Guard is one of the most experienced and reputable home warranty providers with an A BBB rating, Consumer Affairs Accreditation, and was voted Nextdoor’s Neighborhood Favorite in 2019. For now, One Guard provides its services solely in Arizona, Texas, and Nevada.

They set themselves apart by not only providing coverage for major home system maintenance, but also for those smaller jobs that add up over time. With One Guard, you get a combination of a home warranty and home services coverage in one package. This is the major benefit of One Guard, and the 15+ home maintenance services they cover include:

  • Window washing
  • Pest control
  • Carpet cleaning
  • Landscaping

Plans & Pricing

One Guard also offers tailored home warranty plans for real estate professionals, home buyers or sellers, and current homeowners. There are 3 home warranty packages to choose from:

  • ApplianceGuard: starting at $30/month
    • Coverage for appliances only
  • SystemGuard: staring at $44/month
    • Coverage for systems only
    • Optional coverage for pre-existing conditions, pool/spa, incompatible HVAC equipment, sprinkler system, etc.
  • HomeGuard: starting at $69/month
    • Coverage for both appliances and systems
    • All optional coverage available

All plans have a service call fee of $69. One Guard also imposes specific limits on the maximum value or number of units that can be replaced, so you should carefully review the coverage.

Customer Service

One Guard is available around the clock with 24/7 customer service over the phone. You can also submit service requests at any time online.

Best Home Warranty Companies at a Glance

To make it easier to compare home warranty plans, here’s a short overview:

How to Choose the Right Home Warranty in 2021

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

  • If you compare home warranty companies in terms of claim processing, you’ll see that 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. (Companies that we put on our list have more or less the same terms when it comes to this matter. Other companies that we didn’t mention, for example, Home Warranty of America have these terms as well.)

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?

Most home warranty plans usually look like this:

  • 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 home warranty protection plans. 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 top 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, highlighting the importance of choosing a great home warranty service.

  • 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.

Home Warranty vs Homeowners Insurance: What Is the Difference?

Even though both solutions can seemingly lower the risk of possible financial expenses, they have their differences. The easiest way to understand them is to see what they cover in their plans. Namely, homeowners warranty covers service, replacement, or repair of your appliances and main systems. Meanwhile, homeowners insurance, also known as home warranty insurance, can help you in case of accident or natural disaster (fires, flood, hurricanes, etc.)

Summary

We hope that by now you have a good understanding of what to look for when checking the lists of home warranty companies in 2021. 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

What does the whole house warranty cover?

First things first, a whole house warranty is a service that you pay monthly or annually to cover for repairs, services, or replacements of some appliances and systems.

Why get a home warranty?

If you purchase an old property, electrical and plumbing systems have often been neglected and can be expensive to fix or replace. Therefore, it’s advisable to choose a homeowner warranty program that suits your needs the most at the moment.

In houses owned by large families, systems and appliances are generally under increased strain and may require maintenance or replacement more often. If you’re often experiencing such issues and struggling with finances, check out some home improvement loans and see whether this is a suitable option or not.

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. That’s probably why 35% of people aren’t interested in having a home warranty.

What are the top-rated home warranty companies?

There isn’t a simple answer to this question. The choice depends on factors like price and what specific plans cover. To help you out, we made an honest list of the best home warranties. 

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 is the highest rated home warranty company?

In our review, the companies we’ve rated with the highest grade are Choice Home Warranty, First American Residential, Complete Home Warranty, and TotalProtect Home Warranty. These home warranty company rankings are based on everything from coverage to price, to customer reviews.

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.