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Home  /   Best Home Warranty Companies
Updated on May 26, 2023

Best Home Warranty Companies 2023

Repairs and maintenance are unavoidable parts of homeownership. Systems can break, and air conditioners can fail during a heat wave. But a home warranty can rescue you from all issues! It is a renewable contract that covers the cost of repairs and replacements of your major home items that break down due to normal wear and tear. And, to help you choose a suitable pick among the vast number of options, we have brought you a detailed review of the best home warranty companies in the industry.

We have narrowed our list to the top ten companies after considering numerous factors, including pricing, coverage, homeowners’ reviews, customer support, exclusions, cancellation, discounts, property types, and nationwide availability. Our editorial team puts in hours of research to provide you with unbiased and independent company reviews. Furthermore, our editors fact-check thousands of legit customer reviews from our website to ensure the accuracy and relevance of our company reviews.

Learn more about the top home warranty companies of 2023 and their offerings in this article to select an ideal one for your home and start saving on home maintenance!

Best Home Warranty Companies Of May 2023

Service plus Home Warranty

Service Plus Home Warranty

fourhalf_star4.2/5

Based on 862 Reviews

Premium$60-$67
Service Fee$75
$200 off + 2 months free
Choice Home Warranty

Choice Home Warranty

four_star4.0/5

Based on 9,818 Reviews

Premium$46-$55
Service Fee$85
1st month free
Select Home Warranty

Select Home Warranty

threehalf_star3.5/5

Based on 4,561 Reviews

Premium$46-$50
Service Fee$60-$75
$150 off + Free Roof Coverage + 2 Months Free

Top Home Warranty Companies For 2023

Our editors have reviewed and curated the list of the ten best home warranty companies of the year 2023 for you. The below-mentioned home warranty comparisons are based on their plans, pricing, limits, and more. Let’s get started:

Company
USP
Premium
Service Fee
Coverage Limit
Workmanship guarantee
Best For Comprehensive Coverage $46-$55 $85 Upto $3K/Item 60-day
Best For Claims Settlement $39-$60 $75, $100, $125 $6K-Unlimited 30-day View More
Best For Customer Service $50-$60 $75 $3k/Item 90-day
Best For Affordable Premium $60-$65 $100 $3k/Item 90-day
Best For Transparency $30-$44 $85 $2.5k - $3.5k/Item N/A View More
Best For Multi-Family Homes $40-$47 $50, $70, $100, $125 $25k/ Contract N/A
Best Response Time $35-$50 $90 $2k/Item 60-day
Best Customer Satisfaction $27-$51 $75, $100, $150 $2k/Item 180-day
Best For Real Estate Deals $40-$50 $100, $125 $25k/ Contract N/A
Best For Overall Claims’ Process $45-$58 $75 N/A N/A

Best Rated Home Warranty Companies: Detailed Overview

The detailed overview of the top home warranty companies below will help you with all the information you need to identify a company that caters to your requirements. We have considered several factors, such as pros and cons, plans’ costs, coverage, and customer reviews.

Choice Home Warranty: 1st month free

1st month free

four_star4.0/5

Based on 9,818 Reviews

Details
Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

Choice Home Warranty carries over 14 years of industry experience and has solidified itself by serving 1.9 million customers and handling more than 6 million service requests. Choice offers two plans to homeowners starting from $45 monthly, comparable to the industry standards. Due to its 24/7 customer service, network of 25000 contractors, and affordability, it is a considerable option for homeowners.

Pros

  • Offers free protection for 30 days
  • Served 1.9 million+ customers

Cons

  • Customers are not allowed to choose their contractors
  • Charges $2.5 extra on monthly payments

Choice Home Warranty’s two plans: Basic Plan and Total Plan, costs about $45 & $55 monthly, respectively. Compared to the industry average, CHW plans are competitively priced.

The Total plan becomes more affordable as it is less expensive than other comprehensive plans, so we have rated Choice “Best for comprehensive coverage.” Also, if you bill annually, you can get free coverage for a month, making Choice more affordable.

Additionally, you can expect pay $85 as deductible, and the total cost may increase if you purchase anything from the optional items.

Choice Home Warranty offers coverage via its two plans: Basic and Total, which provide varied coverage levels. In the Basic Plan, you can get major appliances and Systems coverage. In comparison, the Total plan covers everything from the Basic plans, Air Conditioning System, Refrigerator, Washer Dryer. These plans are ideal for homeowners looking for extensive coverage at affordable prices.

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    Gameboy Marc , AZ, Tucson
    five_starMay 09, 2023

    After one cancelation the second time was a charm. A Sears tech was out and fixed the range the first time around. I was very happy.

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    novlette minott , NY, Brooklyn
    five_starMay 02, 2023

    The agent that I spoke to when signing up for home warrant was pleasant, friendly and understanding. It was a pleasure speaking to him.

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    Mae Bertha Powers , TN, Memphis
    four_starApr 19, 2023

    next day response to request. completed satisfactorily.tech professional and appeared to know what was necessary to get the job done

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    Chiemi Meyer , TX, Houston
    five_starMar 24, 2023

    They are very responsive. We are happy with their service! Initial response was fast and timely phone call back was really helpful.

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    Michelle Cooper , FL, Neptune Beach
    five_starMar 10, 2023

    The serviceman was very knowledgeable, courteous, and took care of the problem immediately. I was very pleased with the service

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    Donald Whitesell , AZ, Green Valley
    five_starMar 05, 2023

    Your representative, Mr. Phil*** Wil***, was very polite and knowledgeable of all aspects of the plans. It was very enjoyable working with him.

American Home Shield: appliance and air filter discounts + $50 off on plan purchase for 2nd property + $25 amazon gift card

appliance and air filter discounts + $50 off on plan purchase for 2nd property + $25 amazon gift card

four_star4.0/5

Based on 16,737 Reviews

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Pros and Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

With over 50 years of experience, American Home Shield is the market pioneer in the home warranty industry. They have served over 2 million customers and built a network of 17,000 licensed contractors across 48 states.

AHS covers unknown pre-existing conditions, which is rare in this industry. Moreover, AHS members get the advantage of a virtual diagnostic feature that helps them minimize the fixing process. The company's claim of settling over $2 billion in claims is among the highest in the industry, prompting us to rank them as "Best for claims settlement."

Pros

  • Protects against unknown pre-existing conditions
  • Offers various discounts for Veterans and military personnel

Cons

  • On lower deductibles, customers have to pay higher premiums
  • Does not provide coverage in Alaska & Hawaii

American Home Shield’s plans range between $29.9 to $89.9 monthly, depending on the chosen deductible amounts: $100 and $125. Compared to the other leaders, the ShieldPlatinum Plan is a bit on the higher end. However, AHS makes up by offering roof leak repairs, free HVAC tune-up, unlimited a/c refrigerant, coverage for code violations, and permits and modifications.

Moreover, the total price may vary if the customer adds any optional item to the plans.

American Home Shield provides three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans provide different coverage options for systems and appliances. ShieldPlatinum is a combinational plan where the customer can enjoy the benefits of both systems and appliances, plus some extra items.

AHS covers systems up to $5,000 and appliances up to $4,000 per contract term. The company states in its contract that the most they will pay during a contract term will be up to $50,000, which only some in the industry can match.

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    Renee Jeffery Smith , AR, Batesville
    five_starJun 03, 2022

    The AC repair guy came and had to order a part. We have not heard back from him about when the part arrives and when he can return?

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    Abelardo Fraga , TX, Houston
    five_starMay 19, 2022

    anytime the repair is covered under warranty is a good day. most of the time they are not. not sure what else you want me to say.

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    nicole smith , WA, Lake Stevens
    five_starMay 17, 2022

    I have had AHS for awhile but never needed to make a claim until a few weeks ago. They ended up replacing my fridge and I am so thankful!!!!

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    Bryan , VA, Stafford
    four_starApr 30, 2022

    AC unit quit working on Tuesday afternoon, I filed the claim on line. By lunch on Wednesday a AC tech was here and was able to get the AC running.

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    Carolsue Robbins , CO, Englewood
    five_starApr 26, 2022

    They called the same day and were able to ID the possible issues. Ordered the part then called to set up the appt. to come out and fix the problem.

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    E D , FL, Deerfield Beach
    five_starMar 31, 2022

    A*** did a great job. He needs to come back to adjust one of the toilets. I left a message. I hope to hear back from them. Thank you in advance.

ServicePlus Home Warranty: 2 months free + $200 off

2 months free + $200 off

fourhalf_star4.2/5

Based on 862 Reviews

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Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

ServicePlus Home Warranty is a relatively new company in the industry, but it has quickly earned a reputation for providing top-notch customer service. Based on hundreds of reviews on our website, ServicePlus has an above-average rating of 4.25/5, with most customers expressing satisfaction with the services.

As a result, they were given the Best For Customer Service Award 2023 by our editorial team. Furthermore, the company offers attractive deals and claims to offer plans starting at $2 per day, making it an affordable option.

Pros

  • Assigns local contractors for a quick resolution
  • 24/7/365 claims hotline available

Cons

  • Does not provide services in Washington and New York
  • Doesn’t provide the appliance or system-only plan

The Gold Plan costs $59.92 per month, while the Platinum Plan costs $66.58 per month. Aside from the regular premiums, you must pay a $75 deductible for each service visit. SPHW plans are competitively priced compared to other home warranty plans, and the deductible amount is also reasonable. Finally, the total cost can vary depending on the coverage requirements.

ServicePlus offers two plans: Gold Plan and Platinum Plan. The first plan includes 16 items, both systems and appliances. The Platinum plan covers everything from the Gold plan along with A/C systems, water heater, clothes washer, clothes dryer, heating system, and refrigerator, making it a comprehensive option for homeowners.

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    Denice Thompson , CO, Windsor
    five_starJan 16, 2023

    Signing up for the home warranty was easy and the rep was very helpful in explaining things. He worked hard to find me the best deal.

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    Renee Smith , MS, Long Beach
    five_starOct 27, 2022

    Peter was very good about not wasting my time. I told him what I needed and he looked for the best price. It was very good to speak with him.

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    Josh Arnold , GA, Atlanta
    five_starDec 11, 2019

    Simply put, the best company out there when it comes to home insurance. Super nice people on the lines and claims get processed in due time.

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    Enrica Triggs , GA, Douglasville
    five_starJan 29, 2019

    Customer service was great and they went out their way to make sure I get everything I need for a good price. Thanks Max of Total Home Protection!

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    Jose Luis Rodriguez , FL, Miami
    five_starJan 07, 2019

    THP has very good and polite internet business associates. I am looking forward to doing have my home warranty for this coming year.

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    Suzanne Hutchinson , PA, Lincoln University
    five_starNov 19, 2018

    Just got the phone with Tim! He\'s a sales with THP .He\'s really nice! No service calls yet.any company has to be better then SEARS for my home!!

Select Home Warranty: $150 off + Free Roof Coverage + 2 Months Free

$150 off + Free Roof Coverage + 2 Months Free

threehalf_star3.5/5

Based on 4,561 Reviews

Details
Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

With over ten years of experience, Select Home Warranty has made a name for itself in the US market by offering customers three types of home warranty coverage. Each plan comes with free roof coverage and a variety of add-on options.

We analyzed 4,558 customer reviews on our platform and discovered that more than 60% of customers were pleased with and valued the company's offerings. The company provides three affordable plans starting at $45/month with a hundred dollars off and an additional free roof leak coverage. Owing to all these factors, we pick Select Home Warranty as the "Best for affordable premiums".

Pros

  • Offers coverage for mobile homes
  • Provides regular discounts on all the plans

Cons

  • Lower coverage limits
  • Does not cover unknown pre-existing conditions

Select Home Warranty's Bronze Care and Gold Care Plans are $45.67 per month, while the Platinum Care Plan is $50.25 per month. Select’s Platinum Care is among the most affordable combos available.

Moreover, if customers pay upfront, they can get two free months of coverage, making Select even more affordable.

Lastly, Customers must also pay a service fee, which varies by state but is typically between $60 and $75.

Select Home Warranty offers three plans to homeowners- Bronze Care, Platinum Care, and Gold Care. The first plan covers seven home appliances, Platinum Care covers six systems, and with Gold Care, you can get your 18 home items covered.

SHW plans are comparable to industry coverage, as customers can obtain coverage for most items commonly used nationwide.

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    Mary Ann oswalt , TX, Granbury
    five_starJul 17, 2020

    My dryer repair was fully covered with my select warranty. So glad I have it. It was nice to not have to locate a repair service. select did it all

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    cynthia souther , CA, Manhattan Beach
    three_starJul 15, 2020

    We called with a plumbing issue. The contractor assigned to us had not received the paperwork. I had to call again, to ask them to send the e-mail.

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    Paula Gilliland , TX, Burleson
    four_starJan 31, 2020

    I have only filed one claim. The associates that I dealt with on the phone were friendly and very efficient. So far I\'m happy with the service.

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    Lauren , CA, Banning
    five_starJan 30, 2020

    Ice maker not covered. trish called to say it would be covered for a one time fee. I was happy with that . I had considered changing companies.

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    Tess Craft , WY, Worland
    five_starDec 27, 2019

    Microwave stopped working on Christmas ! I called the day after and got a settlement price email within minutes. Very fair,efficient company.

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    Prggy Burns , MI, Troy
    five_starDec 25, 2019

    Even though they couldn\'t find a repairman for the ice maker they let us find one and approved the job in a timely manner All good here

First American Home Warranty: $200 Off For Memorial Day + $25 Off For Milltary Personnel

$200 Off For Memorial Day + $25 Off For Milltary Personnel

threehalf_star3.1/5

Based on 2,431 Reviews

Details
Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

First American Home Warranty (FAHW) has been in business for over 35 years and has set the standard for offering quality home warranty plans. The company provides all critical information on the website, such as pricing, plans, claims data, etc., and maintains customer transparency.

According to the FAHW, more than 59% of its customers submitted at least one claim. FAHW has paid $219 million in settlements in just one calendar year. Hence, it became our "Best for Transparency."

Pros

  • Doesn’t mandate home inspection
  • Covers appliances up to $3.5k

Cons

  • Does not offer services in 15 states
  • Does not cover air conditioners under basic plans

The pricing offered by First American Home Warranty varies based on the deductibles. The plan range between $47 to $87 per month, depending on the service fee: $75, $100, & $125. Compared to the industry standard, the pricing can be considered higher, especially for the Premier Plan.

FAHW provides three plans to homeowners: Starter, Essential, and Premier. Customers can get their five items covered in the Starter Plan, nine under Essential, and a combination of 15 systems and appliances, such as the Plumbing System, Electrical Systems, Built-in-microwave, etc., in the Premier Plan.

Along with the regular plans, customers can avail of First-Class Upgrade and Plumbing Plus options at some extra cost; this can be an added benefit for homeowners.

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    Venie Forsythe , TN, Oakland
    five_starJan 04, 2019

    I have had to use this service several times and have had no problems. They are easy to contact and respond to your needs in ample time.

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    Virginia Dobson , KY, Louisville
    five_starDec 06, 2018

    I wish I had taken advantage of First American Home Service when my sister told me about them. They are efficient and professional.

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    Robert Novak , TN, Morristown
    four_starJul 24, 2018

    Contractor schedules sometime cause delays. Sometimes thing fall into a rabbit whole. Things sometime happen that are beyond anyone\'s contrill.

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    Erin Merriam , CA, Sacramento
    five_starJul 20, 2018

    Response from Customer Service was fast and we were contacted by the plumber within hours of our request. Service was great and really fast.

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    Dan J , CO, DURANGO
    five_starMay 30, 2018

    Outstanding company of honor. They fix things when broken and try to replace when necessary or do a cash out. Very reputable Company!!

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    Elizabeth Whittenberger , TN, Bristol
    five_starFeb 06, 2018

    We have been very happy with them, however, we need to do some research to compare annual renewal cost. Living on a fixed income is a challenge.

America’s Preferred Home Warranty: Preferred Rewards

Preferred Rewards

four_star4.0/5

Based on 920 Reviews

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Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

For more than 20 years, America's Preferred Home Warranty has been in the market. The company is a reliable option since they have generally received favorable reviews on our platform and a 4/5 star rating.

Additionally, its multi-family option benefits homeowners who live in apartments or rent their homes to tenants.

Pros

  • Provides the option to pick your contractor
  • Offers extended pipe and roof leak coverage

Cons

  • Offers only one plan
  • Premiums are expensive on lower deductibles

APHW plans to start from $39.58 to $62.08 depending on the deductible and your location. You can select the deductible from $50, $75, $100, and $125. APHW offers Preferred Rewards and Cashback to customers, which can lighten the overall cost.

APHW offers only one plan, the Standard Plan, which covers 25 systems and appliances. In addition to the Standard coverage, customers can buy Premium Plan to enhance their coverage.

Compared to the industry, the coverage offered under one plan is quite comprehensive. Moreover, APHW will protect your home items up to the limit of $25k, which is remarkable.

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    Eric Channell , OH, Northfield
    five_starOct 31, 2019

    APHW is the best! I have worked with them for over 10 years, and they have always provided top notch service, and are willing to go the extra mile.

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    Matt Eizenberg , OH, Hudson
    five_starDec 21, 2018

    Matt McQuerry has been awesome to work with. He\'s been there for us everytime we\'ve needed him and would recommend him to anyone! Thanks!

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    Amy Pic , MD, Parkville
    five_starDec 18, 2018

    When I call Steve he picks up the phone. I had my homebuyer call him to assist with a claim. He gave her the number to call and followed up with her.

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    Jeff Cooper , MD, Lutherville Timonium
    five_starDec 14, 2018

    Representative was very helpful in helping a customer with answers about the warranty, how it works and making sure they knew what was covered.

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    Deb Mcpherson , MD, Columbia
    five_starDec 14, 2018

    Great follow up from Sales manager Steven Lunenfeld on being available to answer questions and accommodating my changing schedule.

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    Robert Anthony Obleton , OH, Cleveland
    five_starNov 27, 2018

    Sherry was excellent! She was professional, friendly, and truly caring. She explained everything and made sure I understood the process completely.

Liberty Home Guard: $200 off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

$200 off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

fourhalf_star4.5/5

Based on 198 Reviews

Details
Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

Hundreds of customers on our platform have praised Liberty Home Guard for providing excellent services and promptly responding to customer claims.

The company is available 24 hours a day, seven days a week via live chat and a toll-free phone line, so we rated LHG's response time as the best!

Furthermore, the company is making things more accessible and affordable for customers by offering regular discounts and collaborating with a large team of 10,000 certified contractors.

Pros

  • Offers coverage without maintenance record
  • Provides pest control as an added coverage

Cons

  • Does not offer customization on plans

The monthly costs of Liberty Home Guard plans can range between $49.99 to $59.99, depending on your chosen coverage. Compared to the industry average, the prices are a bit on the expensive side.

However, if you bill annually, you can avail of 2 months of free coverage. LHG also charges a $90 deductible, which you’re supposed to pay during the services

Customers can choose from three plans with Liberty: Systems Guard, Appliance Guard, and Total Home Guard. As the names suggest, the first two plans cover systems and appliances, respectively. The Total Guard is a combined plan that includes everything from the other two.

You can also add optional coverage based on your needs from a list of 43 items, which includes a pool, pest control, pro-series home items, etc. It is a benefit of opting for LHG as, generally, home warranty companies do not provide pest control.

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    Sara D , CO, Aurora
    five_starFeb 08, 2019

    The team at Liberty Home is extremely diligent and always makes sure to follow up when there are inquiries. I\'m really happy with them so far.

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    Anderson Taylor , ND, Fargo
    five_starJan 24, 2019

    my water heater started leaking last week, Liberty had a handyman show up to my house in a few hours. I love the service. Thanks for the great work

Cinch Home Services: $25 credit for filter of A/C or Refrigerator Unit.

$25 credit for filter of A/C or Refrigerator Unit.

three_star3.0/5

Based on 133 Reviews

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Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

Cinch has 45 years of industry experience and distinguishes itself from other home warranty companies by offering a 180-day workmanship guarantee, the highest in the market. The company has closed over 1 million requests across 48 American states.

They also provide homeowners with a digital dashboard for a more effortless claim filing experience. All these factors add up to make Cinch the "Best for Customer Satisfaction."

Pros

  • Offers $50 for the use of filters for A/C & refrigerator
  • Provides a free water sensor for leak detection

Cons

  • Does not provide services in Alaska and Hawaii
  • Charges higher service fees compared to the industry

Cinch Home Services’ plans start from $72.99 and can go up to $105.99 per month, depending on the deductible: $100, $125, or $150. Customers can choose the amount they have to pay during each service visit, and the total cost will be calculated based on the same. If you select the lowest deductible, the premiums get a bit expensive, and vice versa.

Cinch Home Services offers three home protection plans to its customers: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. You can cover 13 items in the appliance-only plan and 18 items in the systems-only plan.

Lastly, with the Complete Home plan, you can get coverage for 32 systems and appliances, plus Homeowners Insurance Deductible Reimbursement- $500, making it a worthy option.

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    C B Kyle , NC, Kinston
    five_starMay 08, 2019

    Great company do what they say. Rural home found me several repair people. When HVAC could not be repaired they replaced it. Highly recommend

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    Elizabeth , TX, Killeen
    five_starApr 18, 2019

    My name is Elizabeth Odeyale. Just signed up but I loved the presentation and attitude and manner of my agent; Mr. Chris White. Keep up the good work

threehalf_star3.4/5

Based on 2,472 Reviews

Details
Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

Home Security of America is preferable if you are buying or selling a home in the real estate market. The company exclusively offers plans for homes listed on the market, and both homeowners and real estate agents can buy these plans.

Moreover, we evaluated several customer reviews on our platform and found that the company holds an above-average rating of 3.5/5!

Pros

  • Does not require a home inspection
  • Provides an online portal to handle complaints

Cons

  • Offers plans in only 27 states
  • Plans can only be purchased via a licensed realtor

The price of the buyer-only and seller/buyer plans start from $595/year, depending on the location. The pricing is comparable to the industry average. Apart from the premiums, customers need to pay a deductible amount during service visits, i.e., $125.

The Seller/Buyer Plan and the Buyer Only Plan are the two home warranty plans that Home Security America offers. Customers can choose a Buyer 7-star upgrade at some extra cost to enhance the standard coverages. Apart from that, if you become an HSA member, you get Pre-season HVAC tune-ups, smart home tech installation, setup services, new appliances, and air filter discounts; which makes the offerings extensive.

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    Judy Hanson , MN, Osseo
    five_starNov 09, 2019

    Tech very polite and thorough. I wanted a new dishwasher as mine is so old parts are not available. I understand due diligence tho.

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    Ray Williams , MI, Jackson
    five_starJul 20, 2019

    My AC went out and I called to get someone to come out. The AC company was out quickly and repaired the AC. It was repaired at no cost to me.

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    Cindy Cleaver , IA, Waukee
    five_starJun 02, 2019

    We had service on our air conditioner. Customer Service was great and repairman was great as well. Easy to use got job done we are satisfied!

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    Arshid Rashid , VA, Woodbridge
    five_starMay 22, 2019

    Well i have this warranty if anything electronic broke i just pay the co-pay and they take care of the rest. So far my experience with HSA is good.

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    Brittany M , PA, Pittsburgh
    five_starMay 09, 2019

    We needed our new house rekeyed. The locksmith was very professional and prompt. Everything was a breeze to set up, and it was done in no time.

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    Lisa G , IA, Des Moines
    five_starApr 23, 2019

    My furnace stopped working on a weekend evening. When I called Monday morning, got an appointment right away. Quick, friendly service!

threehalf_star3.1/5

Based on 2,488 Reviews

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Pros & Cons
Cost
Plans/Coverage
Reviews

Why We Picked It?

Home Warranty of America is among the handful of companies with over two decades of experience in the industry. Recently, Choice Home Warranty acquired certain assets of HWA, but the company continues to operate as a standalone brand.

Based on 2,486 customer reviews on our platform, Home Warranty Of America’s overall claims-filing process makes it a preferable choice. Specifically, their online claim process makes it easy for customers to file claims when they encounter issues at home.

Pros

  • Offer a 30-day money-back guarantee
  • Provides 13 months of coverage

Cons

  • Does not disclose coverage limitations
  • Charges some extra fees on the monthly payments

The Select Plan costs $46.04 monthly, and the Select Plus Plan costs $58.33 monthly. Moreover, the company does not disclose the deductibles; however, the premiums are comparable to the home warranty plans offered by other industry leaders.

HWA offers a Select Plan and a Select Plus Plan with various add-on options, which customers can buy in exchange for a few dollars. The company also offers various add-on options, including an Orange Plus plan that covers rey-key, code violations, and permit fees, which is a plus.

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    Terri Murphy , UT, Springville
    five_starJan 10, 2019

    Received call back 35 min after filing claim. Tech made appointment and came out following morning. Quality work completed-totally satisfied.

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    David Sgromolo , NM, Clovis
    five_starSep 13, 2018

    Great service,second year with HWA. Never had a problem with customer service. I Would highly recommend home warranty of America to anyone.

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    John Chiurato , IL, Long Point
    five_starAug 01, 2017

    Absolutely zero hassle! Claim was easy to submit, I was in contact with repair person quickly and the job was done right and promptly.

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    Home Warranty of America , IL, Huntley
    five_starApr 27, 2017

    Great company with great contractors. Would highly recommend this company. Have always been given great service. I am a 5 year customer.

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    John Gretsuk , NC, Wake Forest
    five_starFeb 08, 2017

    Have had to use HWA a few times and the service and people are polite & knowledgeable, I am extremely please I chose HWA for my policy.

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    Jilane mince , MS, Long beach
    five_starDec 25, 2016

    This is the best warranty company.Had on a previous home.I highly recommend it to everyone who owns a house and to keep it enforced at all times.

How To Choose The Best Home Warranty Company?

Selecting the first available or least expensive home warranty company may appear easier, but by determining your specific requirements, you can pick the best home warranty company. So, what process do you require to get an ideal home warranty service for your home? Let’s take a look.

Determine The Coverage Requirements

Determine The Coverage Requirements

Identify appliances and systems critical to the operation of your home, especially those that are relatively old and require more protection. If you want to buy a house, your realtor can obtain this information from the agents and sellers.

If you've been living in your home for a while, check the owner's manuals for your appliances to determine each item's age. Make a list of the articles you want to get covered by the home warranty plan.

Find Local Providers That Match Your Needs

Find Local Providers That Match Your Needs

Various national players offer services nationwide. Still, one must also look at more locally available companies. Having a local provider and contractor can help you in many ways – they are aware of the weather conditions, they can better understand your coverage needs, they can reach your place faster when a situation occurs, etc.

So, once shortlisting such companies, request quotes or thoroughly read their plans because every home warranty provider has a different USP.

Check the Fine Print & Pay Attention To Exclusions

Check the Fine Print & Pay Attention To Exclusions

We have noticed many customer reviews on our website concerning claim denials, where people state that their claim was not approved. And, the company in defense mentions that the product was not covered!

Hence, reading the limitations and exclusions is extremely important to avoid claim denials. Some companies offer overall caps, meaning they'll only spend up to a certain amount on each repair made to the covered items. While some other companies cover home systems and appliances up to a dollar amount, leaving you responsible for the rest.

So, before finalizing the deal, you must know the extent and limitation of coverage for all their appliances and services.

Read Home Warranty Reviews

Read Home Warranty Reviews

Finally, find out what other customers say about home warranty providers. Real-time experiences from your fellow homeowners can help you decide whether the company’s promised services are reliable. You can check the reviews to see how the home warranty companies handle customer complaints.

We have more than 100,000 legit customer reviews on our website, i.e., HomeWarrantyReviews.com, that you can check to find a credible service provider for your home!

Once you tick each box from this list, you can easily pick the best home warranty company and a plan for your home to enjoy peace of mind.

How Does A Home Warranty Work?

Once you purchase a home warranty plan, you can file claims if any covered items malfunction, generally after a 30-day waiting period from the date of purchase. The steps below will help you file a claim and get the company's promised service.

  • Firstly, you can contact the company via its provided guidelines to request a service. You can either call the company or reach out to it through e-mail. After submitting the request, the company will process it further and assign you a licensed contractor or technician.
  • The technician will arrive at your doorstep within 12-24 hours or later, depending on the provider. They will diagnose the problem and inform the company about it. The company will then verify your service request and process it further.
  • Depending on the verification, you will receive a repair or replacement service. In exchange for this, you must pay a service fee as mentioned in your contract.

Note: The process may change depending on the company, so we encourage you to read the service agreement carefully.

Are Home Warranties Worth It?

A home warranty is worthwhile for homeowners looking for peace of mind regarding their home's appliances and systems. Home warranties are a great way to safeguard investments in any unforeseen repairs. So, whether you are purchasing a home or are just worried about the lifespan of your systems or appliances, a home warranty can be your go-to option!

Frequently Asked Questions (FAQs)

Here are some of the commonly asked questions:

Who Needs A Home Warranty?

A home warranty is a good idea for people who own older homes with aging systems and appliances likely to break down. It can also be a good purchase for landlords, home buyers or sellers.

Which Company Has The Best Home Warranty Program?

It’s difficult to pinpoint any one company since they all tend to differ on various parameters. We shortlist the best companies based on various criteria and present them with awards on annual basis.

Check out our awards page to find out the winners of 2021 ›

What Is A Trade Service Call Fee? Should Homeowners Bear This?

A trade call fee is a payment a customer must pay during service visits. Companies also refer to it as deductible, service fee, or copay. This amount is non-refundable and varies depending on the company.

Who Regulates Home Warranty Companies?

Home warranty companies are regulated by different bodies in each state, such as the Texas Real Estate Commission in the state of Texas. Overall, the National Association of Insurance Commissioners also makes a lot of statements about the service contract industry, though it is not insurance.

There is a self-regulating body called the National Home Service Contract Association (NHSCA), the members of which follow regulations and ensure that they are properly licensed.

What To Look For In A Home Warranty Company?

While choosing a warranty company, carefully check out the company’s service agreement, inclusions, exclusions, and cost details, among others.

What Isn't Covered Under A Home Warranty?

A home warranty typically doesn’t cover damages due to improper installation, cosmetic issues such as scratches or dents due to failed maintenance, misusing items, or repairs that are not included in your coverage plans.

Know more about what’s not covered 

What Is Covered Under A Home Warranty?

A typical home warranty covers the cost of the service, repair, or replacement of major home appliances and systems. Every company has different coverage options, which you can check in their agreements.

How Long Does A New Home Warranty Last?

Generally, a home warranty lasts for a year, but the majority of companies renew the home warranty at the end of the term. Some companies also offer plans for longer terms.

What Is The Average Waiting Period Of Any Warranty Company?

The average waiting period of any home warranty company is 30 days. However, it may increase or decrease depending on the company. So we recommend you confirm it with your home warranty provider at the time of purchase.

What Are Home Warranties For Multi-Family Homes?

Home warranties for multi-family homeowners renting one or many appliances and services with their tenets or other households. This coverage is particularly useful for homeowners residing in apartments or family dwellings.

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