Article
Top 10 Best Home Warranty Companies of 2025
Protect your home's major systems and appliances from costly repairs. Our experts compared coverage, pricing, and claims experience to find the best home warranty providers.
A broken HVAC system in summer or a failed water heater in winter can cost thousands to repair or replace. Home warranty companies offer protection against these unexpected expenses by covering repairs and replacements of major home systems and appliances.
Our team analyzed over 30 home warranty providers, examining coverage options, pricing, claims satisfaction, and contractor networks. Here are our top picks for 2025.
Quick Comparison
| Company | Best For | Monthly Cost | Rating |
|---|---|---|---|
| 1. American Home Shield | Best Overall Coverage | $29.99/month | ★4.8/5 |
| 2. Choice Home Warranty | Best Value | $46.00/month | ★4.7/5 |
| 3. Select Home Warranty | Best for Customization | $43.00/month | ★4.6/5 |
| 4. First American Home Warranty | Best for Real Estate | $42.00/month | ★4.6/5 |
| 5. Liberty Home Guard | Best Coverage Limits | $50.00/month | ★4.7/5 |
| 6. Cinch Home Services | Best for Appliances | $37.00/month | ★4.5/5 |
| 7. AFC Home Club | Best for Transparency | $45.00/month | ★4.5/5 |
| 8. 2-10 Home Buyers Warranty | Best for New Construction | $36.00/month | ★4.4/5 |
| 9. Landmark Home Warranty | Best Regional Provider | $40.00/month | ★4.4/5 |
| 10. Old Republic Home Protection | Best for Condos | $34.00/month | ★4.3/5 |
Our Top Picks in Detail
American Home Shield
American Home Shield is the industry leader with over 50 years of experience. Their ShieldGold and ShieldPlatinum plans offer extensive coverage for both systems and appliances, making them ideal for homeowners who want comprehensive protection.
Pros
- ✓Three comprehensive plan options
- ✓No home inspection required
- ✓Covers items regardless of age
- ✓Large contractor network nationwide
- ✓Roof leak coverage available
Cons
- ✗Higher service call fees
- ✗Coverage limits on some items
- ✗Mixed customer service reviews
Choice Home Warranty
Choice Home Warranty offers excellent value with competitive monthly rates and one of the lowest service fees in the industry. Their straightforward Basic and Total plans make it easy to choose the right coverage level.
Pros
- ✓Competitive pricing
- ✓Low service call fee
- ✓Covers pre-existing conditions
- ✓24/7 claims filing
- ✓Quick claims processing
Cons
- ✗Lower coverage limits
- ✗Limited add-on options
- ✗No month-to-month plans
Select Home Warranty
Select Home Warranty stands out with its flexible coverage options and generous $5,000 per-item limits. Their free roof leak coverage and low service fees make them a smart choice for budget-conscious homeowners.
Pros
- ✓Highly customizable plans
- ✓Free roof coverage included
- ✓Low service call fees
- ✓Generous coverage limits
- ✓Multi-year discounts available
Cons
- ✗Smaller contractor network
- ✗Limited availability in some states
- ✗Claims can take longer
First American Home Warranty
First American Home Warranty has been a trusted name in real estate transactions since 1984. Their coverage for code violations and permit costs sets them apart, making them especially valuable for older homes.
Pros
- ✓Popular with real estate agents
- ✓Covers code violations
- ✓Permits and modifications covered
- ✓Strong reputation since 1984
- ✓Good mobile app
Cons
- ✗Premium pricing
- ✗Service fees vary by trade
- ✗Limited DIY repair options
Liberty Home Guard
Liberty Home Guard breaks the mold with unlimited coverage limits and over 50 add-on options. If you have high-end appliances or want maximum protection, their comprehensive approach delivers peace of mind.
Pros
- ✓No coverage caps
- ✓50+ add-on options
- ✓Electronics coverage available
- ✓Pool and spa coverage
- ✓Flexible service fee options
Cons
- ✗Higher monthly premiums
- ✗Newer company (less track record)
- ✗Some exclusions apply
Cinch Home Services
Cinch Home Services (formerly HMS) offers specialized appliance coverage with unique perks like rust and corrosion protection. Their 180-day workmanship guarantee provides extra assurance after repairs.
Pros
- ✓Appliance-only plan available
- ✓180-day workmanship guarantee
- ✓Covers rust and corrosion
- ✓No breakdown required
- ✓Loyalty discounts
Cons
- ✗Higher service call fees
- ✗Limited systems-only option
- ✗Coverage varies by state
AFC Home Club
AFC Home Club takes a refreshingly transparent approach to home warranties. Their sample contracts are available online before purchase, and they're known for honoring claims without hidden exclusions.
Pros
- ✓Clear coverage terms
- ✓No hidden exclusions
- ✓Systems and combo plans
- ✓Monthly payment options
- ✓Good customer reviews
Cons
- ✗Smaller service area
- ✗Limited add-ons
- ✗No mobile app
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty specializes in structural warranties for new homes. They're the preferred choice of home builders nationwide and offer protection against major structural defects for up to 10 years.
Pros
- ✓Structural coverage available
- ✓Popular with home builders
- ✓Long track record since 1980
- ✓Covers major structural defects
- ✓Transferable to new owners
Cons
- ✗Basic appliance coverage
- ✗Higher premiums for full coverage
- ✗Claims process can be slow
Landmark Home Warranty
Landmark Home Warranty provides personalized service in Arizona, Idaho, Nevada, Oregon, Texas, and Utah. Their regional focus allows for better contractor relationships and faster service in their coverage areas.
Pros
- ✓Strong in Western states
- ✓Excellent customer service
- ✓Competitive pricing
- ✓Good contractor network
- ✓Quick claim response
Cons
- ✗Limited to 8 states
- ✗Fewer plan options
- ✗No nationwide coverage
Old Republic Home Protection
Old Republic Home Protection offers tailored coverage for condos and townhomes at competitive prices. Their experience since 1974 and straightforward plans make them a reliable choice for multi-family properties.
Pros
- ✓Condo-specific coverage
- ✓Affordable pricing
- ✓Long industry history
- ✓Good for rental properties
- ✓Simple claims process
Cons
- ✗Lower coverage limits
- ✗Basic plan options
- ✗Limited add-on selections
How We Evaluate Home Warranty Companies
Our evaluation process examines every aspect of the home warranty experience:
Coverage Analysis
We compare what each company covers and excludes:
- Systems coverage: HVAC, electrical, plumbing, water heaters
- Appliances coverage: Kitchen appliances, washers, dryers
- Add-on options: Pools, spas, septic systems, well pumps
Cost Evaluation
We break down the true cost of coverage:
- Monthly and annual premium options
- Service call fees (also called trade fees)
- Coverage limits and caps per item
- Deductibles and out-of-pocket costs
Claims Experience
We analyze real customer claims to assess:
- Ease of filing claims (online, phone, app)
- Average response and resolution times
- Claim approval and denial rates
- Customer satisfaction with outcomes
Contractor Quality
We evaluate the service network:
- Size and geographic coverage
- Contractor vetting and licensing
- Workmanship guarantees
- Customer ratings of repair quality
What Does a Home Warranty Cover?
Typical Systems Coverage
- HVAC: Heating, ventilation, and air conditioning
- Electrical: Wiring, outlets, panels, ceiling fans
- Plumbing: Pipes, faucets, toilets, water heaters
- Garage doors: Openers and mechanisms
Typical Appliances Coverage
- Kitchen: Refrigerator, oven, range, dishwasher, disposal
- Laundry: Washer and dryer
- Built-in: Microwave, trash compactor
Common Exclusions
- Pre-existing conditions (varies by provider)
- Cosmetic damage
- Code violations
- Improper installation
- Commercial-grade equipment
Frequently Asked Questions
What is a home warranty?
A home warranty is a service contract that covers repairs or replacements of major home systems and appliances that break down from normal wear and tear. It’s different from homeowners insurance, which covers damage from events like fires or storms.
How much does a home warranty cost?
Home warranties typically cost $300-$700 per year ($25-$60/month) for basic coverage. Comprehensive plans covering both systems and appliances run $500-$1,000 annually. You’ll also pay a service fee ($75-$150) each time a technician visits.
Is a home warranty worth it?
A home warranty can be worthwhile if you have older appliances or systems, aren’t handy with repairs, or want predictable budgeting for home maintenance. Consider the cost of your premium versus potential repair costs—a single HVAC repair can cost $1,000-$5,000.
What’s the difference between home warranty and homeowners insurance?
Homeowners insurance covers damage from sudden events (fire, theft, storms), while home warranties cover mechanical breakdowns from normal use. They complement each other—insurance protects your home’s structure, while warranties protect its components.
How do home warranty claims work?
When something breaks, you contact your warranty company online or by phone. They assign a contractor from their network who diagnoses the problem. If it’s covered, the contractor repairs or replaces the item, and you pay only the service fee.
Can I choose my own repair person?
Most companies require you to use their contractor network. Some allow reimbursement for outside contractors, but this typically has lower coverage limits and requires pre-approval.
Are pre-existing conditions covered?
Coverage varies by provider. Some companies cover pre-existing conditions if the item was in working order when the contract started. Others exclude any issues that existed before coverage began. Always check the contract terms.
Last updated: December 2025. Prices and coverage details may vary by location and are subject to change. Always review the service contract for complete terms.