Top 8 Best Home Warranty Companies of April 2023 (Official Audio 2025)

Top 8 Best Home Warranty Companies of April 2023

Discover the top 8 best home warranty companies of April 2023 that provide reliable coverage for your home appliances and systems. Compare plans, pricing, and customer reviews to find the perfect home warranty for your needs and budget.

A home warranty offers financial protection and convenience for homeowners when home systems and major appliances break down due to normal wear and tear. In this guide to the best home warranty companies, see how investing in a home warranty can help protect your home and offer peace of mind in the event of an unexpected repair.

Summary of the Best Home Warranty Companies of 2023

American Home Shield
Liberty Home Guard
Select Home Warranty
AFC Home Club
First American Home Warranty
Cinch Home Services
2-10 Home Buyers Warranty
First Premier Home Warranty

1.American Home Shield

Pros and Cons

Pros

One of the largest home warranty providers in the country with 50+ years of industry experience
Offers higher-than-average coverage limits of $3,000–$6,000 for systems and appliances
Covers damage due to unknown pre-existing conditions, rust and corrosion, and improper installations and modifications

Cons

Offers limited options for add-on coverage
May take up to 48 hours to respond to a claim, which is slower than some competitors

Why We Picked American Home Shield
American Home Shield (AHS) earned 4.6 out of 5 stars in our rating system, the highest of any provider on our list. We like that AHS has been in the business for over 50 years, is available in 48 states (excluding Alaska and Hawaii) and offers home warranty plans with higher-than-average coverage caps. However, the company has a slightly higher service call fee than some competitors, offering just two options: $100 or $125.

We chose American Home Shield as our pick for overall value because each of its three plans covers home systems that are typically the most expensive to repair or replace. For instance, some home warranty companies’ basic plans do not cover air conditioning (or heating) because a broken air conditioner can cost thousands of dollars to replace. However, American Home Shield covers heating, cooling, electrical and plumbing systems in its most basic plan, which starts at just $29.99 per month.

Plans and Pricing

You can expect to pay between $29.99 and $89.99 per month for an American Home Shield home warranty, depending on the policy you choose. You can also choose a service call fee of $100 or $125 to adjust your monthly cost. American Home Shield may also offer a discounted $75 service fee for certain customers in select states.

American Home Shield’s home warranty plans are as follows:

ShieldSilver™ ($29.99–$39.99 per month): Covers heating, cooling, electrical and plumbing systems
ShieldGold™ ($49.99–$59.99 per month): Covers heating, cooling, electrical, and plumbing systems, plus kitchen and laundry appliances
ShieldPlatinum™ ($79.99–$89.99 per month): Covers everything under the ShieldGold™ plan, plus roof leak repairs, code upgrades and discounted HVAC tune-ups
Coverage add-ons: Protection for electronics, guest units, pools, septic pumps, spa and well pumps, and roof leak repairs (if not already included in your plan)

2.Liberty Home Guard

Pros and Cons

Pros :

Offers unique coverage add-ons, such as pro-series appliances, pest control, window washing and roof leak protection
Includes a 60-day workmanship guarantee, which is longer than some other home warranty providers give
Features a live chat tool on its website so you can message with a customer service representative in real-time

Cons:

Assigns service fees to customers rather than allowing homeowners to choose
Has a lower-than-average coverage cap of $2,000 per item

Why We Picked Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars based on our review methodology. Founded in 2017, the company is newer to the home warranty industry but stands out for its high customer ratings and overall responsiveness. Liberty Home Guard has earned 4.59 out of 5 stars based on nearly 2,000 customer reviews on the BBB’s website, which is a far higher score than many other home warranty companies have received.

We chose Liberty Home Guard as the most customer-friendly company because it has taken steps to broaden communication channels with homeowners — like introducing a customer survey tool in 2020. The company also offers unique coverage add-ons, like window and carpet cleaning, to fit the needs of more homeowners and has a live-chat customer support feature on its website.

Liberty Home Guard is available in all states except Wisconsin. While we applaud this company for its customer service, its claim response time is typically 48 hours, which is slightly longer than some competitors.

Plans and Pricing

A home warranty with Liberty Home Guard costs between $49.99 and $59.99 per month. Unlike some other companies, Liberty does not let you choose your service fee. Instead, the company assigns you a service fee between $65 and $125 depending on your home’s size and your location.

Liberty Home Guard has three plans and dozens of coverage add-on options:

Appliance Guard ($49.99 per month): Covers most home appliances, including refrigerators, washers, dryers, built-in microwaves, dishwashers and more
Systems Guard ($54.99 per month): Covers built-in systems like air conditioning and heating units, ductwork, plumbing, electrical and water heaters
Total Home Guard ($59.99 per month): Covers both your home systems and appliances
Coverage add-ons: Electronics protection, pest control, gutter cleaning, professional-grade appliance coverage, fixtures coverage, trash compactor coverage and more (you can see a full list of add-ons on Liberty Home Guard’s website)

3.Select Home Warranty

Pros and Cons

Pros

Includes roof-leak coverage with every plan
Offers affordable pricing with plans that cost less than $50 per month
Allows customers to file a claim within two days, whereas most companies require you to report issues immediately

Cons

Has lower-than-average coverage caps with a $500 limit for appliances
May charge multiple service call fees if you file more than one claim

Select Home Warranty earned 4.54 out of 5 stars based on our rating system, largely thanks to the company’s affordable monthly pricing. All three of its coverage plans cost under $50 a month, making it among the cheapest options on our list. Each plan also includes a lower-than-average $75 service fee, and the company offers an impressive 90-day workmanship guarantee on all repairs.

Although Select Home Warranty’s prices are low, the company offers more value than some other providers by including coverage for roof leak protection in all of its plans. The company also boasts a response time of as little as 12 hours when you file a claim. However, it’s important to note that Select Home Warranty doesn’t allow you to choose your own service technician, and its appliance coverage limits are below average.

Select Home Warranty is not available in Nevada, Washington or Wisconsin.

Plans and Pricing

Select Home Warranty offers three plans, priced between $44.42 and $47.75 per month. It has a $75 service fee regardless of the policy you choose.

Bronze Care ($44.42 per month): Covers appliances like your clothes washer, dryer, refrigerator, oven, stove, dishwasher and built-in microwave
Gold Care ($44.42 per month): Covers systems including air conditioning, heating, plumbing, electrical, water heaters and ductwork
Platinum Care ($47.75 per month): Comprehensive coverage that includes both systems and appliances, as well as plumbing stoppages, garage door openers, ceiling fans and exhaust fans
Coverage add-ons: Central vacuum, lawn sprinkler system, pool, spa, roof leaks, well pump and sump pump

4.AFC Home Club

Pros and Cons

Pros

Extends a workmanship guarantee that runs the length of your plan
Offers unique security benefits, including free credit monitoring, family emergency services and discounts on home security systems
Allows you to choose your own service technician

Cons

Charges premiums that are on the higher end of the industry average
May deny your claim if it is not filed within 24 hours of noticing an issue

Why We Picked AFC Home Club

With four plans, multiple add-ons and three service fee options, America’s First Choice (AFC) Home Club has the most coverage options of the companies on our list. It received 4.54 out of 5 stars based on our scoring system, earning points for its coverage selection, 24/7/365 customer service availability, free cancellation within 30 days policy and availability in every state except Hawaii.

Many home warranties come with a 30- to 60-day workmanship guarantee. However, AFC Home Club offers a plan-length workmanship warranty that covers all company-approved repairs and replacements. So if the company sends a technician to fix a system or appliance in your home, and that item breaks again during your policy period, you can request another service without paying more fees. Plus, AFC Home Club offers both single and multi-year plans, so your workmanship guarantee can be as long as three years.

Plans and Pricing

AFC Home Club offers four plans ranging from $35 to $56 per month. You can also customize your monthly premium by selecting a service call fee of $75, $100 or $125.

Silver Plan ($35.33 per month): Covers nine of the most common household appliances, including kitchen and laundry appliances and garage door openers
Gold Plan ($50.42 per month): Covers 15 appliances and systems, including heating, cooling, electrical, plumbing, kitchen appliances and laundry appliances
Platinum Plan ($55.50 per month): Includes 18 appliances and systems, adding coverage for plumbing stoppages, faucets, ice makers and built-in microwaves
Systems Plan ($42.83 per month): Covers six household systems, including heating, cooling, plumbing, electrical, ductwork and your water heater
Coverage add-ons (if not included with your selected plan): In-ground pool and spa, pumps, ice maker, double oven, built-in microwave, electronics, roof leaks, central vacuum, stand-alone freezer and hot water dispenser

5.First American Home Warranty

Pros and Cons

Pros

Includes generous coverage caps for appliances and systems ($3,500 to $7,000)
Offers the First Class Upgrade for certain plans to cover improper installation, building code modifications, broken appliance disposal and more
Features basic and comprehensive home warranty coverage for an affordable price

Cons

Basic home warranty plan does not cover plumbing or electrical systems
Only offers air conditioning as a coverage add-on option for certain plans

First American Home Warranty earned 4.46 out of 5 stars based on our rating methodology, and it’s our top pick for appliance coverage. The company covers kitchen appliances under all three of its plans and offers additional refrigeration coverage as a policy add-on.

Another reason we recommend it for appliances is its coverage limits. First American gives a coverage cap of $3,500 per appliance under its Starter and Essential plans, and $7,000 per appliance under its more comprehensive Premium Plan. The company’s higher-than-average caps also extend to systems in your home — there is no limit for coverage on heating and cooling systems or ductwork.

Plans and Pricing

First American Home Warranty’s plans cost between $47 and $87 per month, and you have the option of a $75, $100 or $125 service fee.

Starter Plan ($47–$62 per month): Covers your dishwasher, refrigerator, oven, cooktop, electrical system, heating system and plumbing
Essential Plan ($57–$72 per month): Covers everything in the Starter Plan, plus your clothes washer, dryer, water heater, air conditioning and garage door opener
Premium Plan ($72–$87 per month): Includes everything in the Starter and Essential plans, plus luxury appliances, your garbage disposal, garage door system, faucets, hot water dispenser and more
Coverage add-ons (if not included with your selected plan): Additional refrigeration, air conditioning, HVAC tune-up, limited roof-leak protection, pool and spa equipment, septic tank systems and pumping, and more

Note: If you pay for your plan monthly, you will be charged a $2 handling fee for each payment.

6.Cinch Home Services

Pros and Cons

Pros

Covers damage due to rust and corrosion, which is often excluded from home warranties
Provides a 180-day workmanship guarantee, which is six times the length of the typical guarantee
Offers a $25 credit to use toward your air conditioner or refrigerator water filters

Cons

Charges higher service call fees than some other providers
Customizability with add-ons is mostly limited to pools and spas coverage

Why We Picked Cinch Home Services

We gave Cinch Home Services 4.45 out of 5 stars for reasons including its 24/7/365 customer service availability, over 45 years of industry experience and high, $10,000 coverage caps. It also has one of the fastest claim response times of any company — just two business hours.

Cinch is our pick for bonus benefits because it offers extra “perks” like a homeowners insurance deductible reimbursement, $25 credit toward air conditioner or refrigerator filter replacements and a 180-day workmanship guarantee. It even covers pre-existing conditions and damage caused by rust and corrosion.

Cinch is not available in Alaska or Hawaii.

Plans and Pricing

Cinch Home Warranty has three plans ranging from $35 to $62 per month. You can adjust your premium by choosing from Cinch’s three service fee options: $100, $125 or $150.

Appliances Plan ($34.99–$44.99 per month): Covers kitchen and laundry appliances
Build-in Systems Plan ($39.99–$51.99 per month): Covers heating, cooling and electrical systems, plus interior gas and plumbing
Complete Home Plan ($49.99–$61.99 per month): Covers kitchen and laundry appliances, heating and cooling systems, interior gas and plumbing, and electrical
Coverage add-ons: Pool, spa, septic tank and plumbing, well pump and a Premier Upgrade Package (up to $2,000 of annual coverage for building code upgrades, permits or removal and disposal costs)

7.2-10 Home Buyers Warranty

Pros and Cons

Pros

Has over 40 years of experience in the home warranty industry
Company’s “Even If” Service Fee Guarantee refunds your service fee if a technician visits your home but can’t repair a broken item
Comprehensive plan includes extended appliance protection, plus coverage for haul-away and disposal costs

Cons

Online customer reviews complain about long wait times due to limited contractor availability
Doesn’t include washer and dryer coverage in its basic plans

Why We Picked 2-10 Home Buyers Warranty

Our pick for most affordable appliance coverage, 2-10 Home Buyers earned 3.48 out of 5 stars in our rating system. The company offers a kitchen-only appliance plan that starts at $17 per month, the cheapest option on our list. Other competitors, like Liberty Home Guard and Select Home Warranty, offer appliance-only plans starting at $45 to $50 per month — more than double the cost of 2-10’s coverage. 2-10 also includes extended appliance protection under its comprehensive Pinnacle Home Plan, covering appliance handles, hinges, clocks, shelves and more.

We like how 2-10 offers multiple service fee options, but it lost points for not providing emergency repair services. In addition to servicing homeowners, 2-10 offers structural warranties to cover a home’s workmanship, which can also benefit builders and developers. These plans include coverage for crane costs, haul-away and disposal fees, electrical cut-off switches and concrete-encased wiring.

2-10 Home Buyers coverage is not available in Alaska, Hawaii, Montana, New Hampshire, North Dakota, Oklahoma, South Dakota or Wyoming.

Plans and Pricing

2-10 Home Buyers Warranty offers three plan options: Simply Kitchen, Complete Home and Pinnacle Home. You can select a $65, $85 or $100 service call fee. According to our quote, you can expect to pay between $17 and $69 per month before add-on coverage.

Simply Kitchen ($17–$26 per month): Covers major kitchen appliances, including your built-in microwave, dishwasher, oven, cooktop and refrigerator
Complete Home ($46–$55 per month): Covers kitchen appliances and your home’s plumbing, electrical, heating and cooling systems
Pinnacle Home ($60–$69 per month): Covers everything in the Complete Home plan, plus adds additional protection for systems and appliances including plumbing, electrical, washer, dryer, kitchen appliances and heating and cooling systems
Coverage add-ons: Roof leak protection, garage door opener, additional refrigerator or freezer, washer and dryer, pool, well pump or septic system, and the Luxury Package upgrade (which increases your policy’s coverage limits)

8.First Premier Home Warranty

Pros and Cons

Pros

Maintains all customer service representatives in-house to minimize phone wait times
Provides a generous annual coverage cap of $15,000 for all covered items
Offers a $200 discount on your service contract when an annual plan is purchased

Cons

Doesn’t allow customers to select their own service technician
Provides service contract details only after signing up for a plan
Excludes common systems and appliances, such as air conditioning and clothes washers, from its base plan

Why We Picked First Premier

Claim response time: 24 Hours
State availability: 44 (excludes California, Hawaii, Iowa, Nevada, New Mexico and Vermont)
Year founded: 2020

First Premier Home Warranty earned 3.72 out of 5 points in our rating system. It offers a $50 annual discount for seniors, making it our pick for senior discounts.

First Premier Home Warranty provides comprehensive, budget-friendly home protection plans for homeowners who need simple coverage. Its annual coverage limit of $15,000 is among the highest in annual coverage limits. Other providers that offer annual coverage caps are Cinch Home Services and ARW Home; they cap coverage at $10,000 and $5,000, respectively. It also offers a lengthy workmanship guarantee of 90 days, triple the industry standard of 30 days.

We read more than 80 consumer reviews, many of which commend First Premier’s quick resolutions to filed claims and personable customer service representatives. Others lament First Premier’s delay in issuing a refund for policy cancellations.

First Premier’s online quote process is smooth and efficient. It took us approximately two and a half minutes to obtain quotes. We experienced a minimal wait time when we called — the representative picked up the phone in fewer than four rings.

Plans and Pricing

First Premier Home Warranty only offers two plans: the Premier Plan and the Platinum Plan. Both plans include its standard $75 service call fee. First Premier can lower your service call fee to $60 per claim if you sign up over the phone. Based on our quote, expect to pay between $39.99 and $47.99 per month for First Premier coverage.

Premier Plan: This plan covers built-in microwaves, ceiling and exhaust fans, cooktops, dishwashers, ductwork, electrical systems, garage-door openers, garbage disposals, ovens, ranges, stoves, plumbing stoppages and systems, permanently installed sump pumps, trash compactors, water heaters and whirlpool bathtubs.
Platinum Plan: The Platinum Plan covers all items in the Premier Plan, plus air conditioning and heating systems, clothes washers and dryers, and refrigerators.