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We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.

Best Home Warranty Companies (November 2022 Quick Guide)

Are you looking for the best home warranty companies that repair or replace home appliances and systems at an affordable price? Now finding a home warranty that suits your requirements has become easy. We have brought you the home warranty reviews of the top companies, comparing various factors, including cost, benefits, offers, & plans. This thorough review of the home warranty companies will help you pick a suitable plan.

With the help of the home warranty company comparisons below, you can decide which company to pick that best suits your needs. Through this, you can protect your home from unexpected costly repairs and your finances from unscheduled expenses.

Top Picks of November 2022

These are the top 3 home warranty companies preferred by customers for their elaborate plans and services:

featured_icon_img
Choice Home Warranty

Based on 9311 Reviews

hwc-logo 3.5/5
  • Serves 48 states
  • 60-Day workmanship guarantee
  • Economical Pricing
Service Plus Home Warranty

Based on 840 Reviews

hwc-logo 4/5
  • Serves 46 US states
  • 90-Day service guarantee
  • Covers pre-existing conditions
Select Home Warranty

Based on 4536 Reviews

hwc-logo 4/5
  • Serves 46 US states
  • Lower deductible
  • Responds within 24 hours

Best Home Warranty Companies

Here is the list of best home warranty companies for November 2022 reviewed by the editors of homewarrantyreviews.com. The below home warranty comparisons are based on benefits, pricing, plans, response time, pros & cons, and user reviews.

Home Warranty Companies Detailed Overview

The plans and coverage options offered by home warranty companies may look similar on the outset, but some crucial details relating to premium & service fee cost, customer reviews, offers, etc., set a good home warranty plan apart from the rest.

The detailed overview of the top home warranty companies below will help you with all the information you may need to identify a company that caters to your requirements:

featured_icon_img

Choice Home Warranty - Best comprehensive coverage options

#1
#1

Based on 9311 Reviews

hwc-logo3.5/5

Based on 9311 Reviews

  • Served 1.6 million+ customers
  • 3rd largest service provider
  • Has service experience of over 13 years
mapicon

Premium$46-$55

Service Request$60-$85

LimitUpto $3K/item

Excluded States: Washington

States Covered 49

Why Choice Home Warranty?

Customer reviews suggest that Choice Home Warranty’s plans offer comprehensive coverage to their households. Their Total Plan covers over 18 items, which includes all the crucial systems and appliances. Additionally, their add-on options help customers include some lesser-covered items in their plans.

Coverage

  • Choice Home Warranty offers 2 plans- Basic Plan and Total Plan
  • There is also a provision to build your plan as per your needs and requirements
Know more about Choice Home Warranty plans

American Home Shield - Best for contractor network

#2
#2

Based on 16715 Reviews

hwc-logo4/5

Based on 16715 Reviews

  • In the business for over 5 decades
  • Served 2 million+ customers
  • Over 17,000 qualified contractors

Premium$39-$60

Service Request$75-$125

Limit$6K-Unlimited

Excluded States: AL

States Covered 49

Why American Home Shield?

American Home Shield is the pioneer of the home warranty industry with over five decades of experience. The company is known for its customer service and extensive contractor network. AHS claims that it has over 17,000 contractors and over 60,000 licensed technicians across the country, which very few companies in the industry can match.

Coverage

  • American Home Shield offers 3 plans- ShieldSilver, ShieldGold & ShieldPlatinum
  • AHS also offers many add-on options to customize the plan, as per your requirement
Know more about American Home Shield Plans
featured_icon_img

ServicePlus Home Warranty - Best for customer service

#3
#3

Based on 840 Reviews

hwc-logo4/5

Based on 840 Reviews

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

Premium$50-$60

Service Request$75

Limit$1.5k/item

Excluded States: California, NV, NY, WA

States Covered 46

Why ServicePlus Home Warranty?

ServicePlus Home Warranty is comparatively a new company in the industry, and in a short period, it has earned a reputation for offering commendable customer service. Additionally, the company offers attractive deals on its plans, making it an affordable choice as well.

Coverage

  • ServicePlus offers 2 plans: Gold Plan and Platinum Plan
  • You can also customize your plans by adding optional coverage to the plans
Learn more about ServicePlus Warranty’s plans
featured_icon_img

Select Home Warranty - Best for affordable premium

#4
#4

Based on 4536 Reviews

hwc-logo4/5

Based on 4536 Reviews

  • Offers coverage for mobile homes
  • Offers same-day response on service requests
mapicon

Premium$44-$60

Service Request$60-$65

Limit $3k/item

Excluded States: NewYork, Nevada, Washington, Wisconsin

States Covered 46

Why Select Home Warranty?

With an experience of over ten years, Select Home Warranty has built a credible reputation for itself. The premium offered by the company is among the lowest in the industry, which starts from as low as $44. Also, customers appreciate their diverse coverage options, including free roof coverage, which many companies do not cover.

Coverage

  • Select Home Warranty offers 3 plans for the homeowners- Bronze Care, Platinum Care, and Gold Care
Learn more about Select Home Warranty coverage and plans

Liberty Home Guard - Best response time

#5
#5

Based on 155 Reviews

hwc-logo4.5/5

Based on 155 Reviews

  • Offers coverage without maintenance record
  • Accredited with A- BBB ratings
mapicon

Premium $35-$50

Service Request$90

Limit $2k/Item

Excluded States: Washington, Wisconsin

States Covered 48

Why Liberty Home Guard?

Customers have appreciated Liberty Home Guard’s service quality and quick response time in reaching back to their customers’ claims. The company claims to get in touch with the customers within 24-48 hours of filing claims. Additionally, their live-in-chat feature has made it easy for customers to get in touch with the company executives to resolve their issues.

Coverage

  • Liberty Home Guard offers 3 plans- Systems Guard, Appliances Guard, and Total Home Guard
  • All three plans are flexible, and customers can add optional coverage as per their needs
Find out more about Liberty Home Guard plans

America’s Preferred Home Warranty - Best for multi-family homes

#6
#6

Based on 914 Reviews

hwc-logo4/5

Based on 914 Reviews

  • Service experience of over 2 decades
  • Offers freedom to pick your contractor
mapicon

Premium$40-$47

Service Request$50, $100, $125

Limit $1k/Item

States Excluded : California, NH

States Covered 48

Why America’s Preferred Home Warranty?

AHPW offers coverage for various needs of different homeowners, giving the company an edge among companies that offer unilateral plans. APHW’s plans for multi-family homes benefit homeowners who rent units to tenants or dwell in shared living spaces like apartments.

Coverage

  • America’s Preferred Home Warranty’s monthly plans offer great coverage
  • From single-family homes to multi-family homes, APHW has plans for everyone
  • APHW’s Basic Plan covers all the major home appliances. It also offers a preferred upgrade to add to your basic coverage
Explore APHW’s plans in detail

HSA Home Warranty - Best for real estate deals

#7
#7

Based on 2459 Reviews

hwc-logo3/5

Based on 2459 Reviews

  • Industry veteran with over 30 years of experience
  • Great coverage for home buyers & sellers
mapicon

Premium$40-$50

Service Request$100, $125

Limit N/A

States Excluded : AL, AZ, AR, CA, CO, FL, HI, ME, LI, ID, NV, NH, NM, NE, MS, OH, OK, OR, SD, TX, UT, WV, WY, VT, WA

States Covered 30

Why HSA Home Warranty?

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

Coverage

  • Home Security of America has 2 plans: Buyers Only Plan and Seller/Buyer Plan
  • Seven Star update offered by HSA covers many additional items
  • Along with the Seven Star update, customers can also add on many additional systems and appliances at an additional cost for comprehensive coverage
Learn more about HSA Home Warranty’s plans

Home Warranty of America - Best for overall claims process

#8
#8

Based on 2465 Reviews

hwc-logo 3/5

Based on 2465 Reviews

  • Industry experience of over 25 years
  • 30-day money-back guarantee

Premium$45-$58

Service Request$75

LimitN/A

Included- available nationwide

States Covered 50

Why Home Warranty of America?

Home Warranty of America is among the handful of companies with over two decades of experience in the industry. Customer reviews across platforms suggest that the company’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.

Coverage

  • Home Warranty of America has two plans- Premier Plan and Premier Plus Plan
  • The coverage offered by these plans is comprehensive at the offered price point
Know more about the plans offered by HWA

First American Home Warranty - Best for claims pay-out

#9
#9

Based on 2424 Reviews

hwc-logo3/5

Based on 2424 Reviews

  • Claims worth $219 million paid in 2021
  • No mandatory home inspection

Premium $33-$58

Service Request $85

Limit $2.5K

States Excluded : Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, or Wisconsin.

States Covered 35

Why First American Home Warranty (FAHW)?

FAHW offers plans priced comparatively lower than other top home warranty companies. The company has set a benchmark in paying out claims filed by customers. The company claims that over 62% of its customers filed at least one claim for which FAHW has paid $219 million as settlements in 2021 alone.

Coverage

  • FAHW offers two plans- Basic Plan & Premier Plan
  • The company allows customers to add on eight other items at an additional cost
Learn more about FAHW's coverage and plans

Cinch Home Services - Best for workmanship guarantee

#10
#10

Based on 120 Reviews

hwc-logo3/5

Based on 120 Reviews

  • Offering services for over 40 years
  • Offers $50 for use of filters for A/C & refrigerator
mapicon

Premium $27-$51

Service Request $100-$150

Limit $2k/Item

States Excluded : CA, HI, IA, NM, OK, WA

States Covered 44

Why Cinch Home Services?

The feature that sets Cinch apart from other home warranty companies is the 180 days workmanship guarantee it offers post-service to customers against the industry standard of 90 days. This ensures that customers need not file fresh claims if the earlier repair work is not satisfactory, thereby saving their time and effort.

Learn more about Cinch Home Services' coverage and plans

Compare Best Home Warranty Companies

Here is the list of pricing, ratings & benefits offered by some of the best home warranty companies to help you make comparisons:

Company
Our Rating
USP
Monthly Charge
Service Fee
BBB Rating
hwc-logo3.5/5

Based on 9311 Reviews

Best for comprehensive coverage $46-$55 $85 B
View More right arrow
hwc-logo4/5

Based on 16715 Reviews

Best for contractor network $35-$70 $75, $100, $125 B+
hwc-logo4/5

Based on 840 Reviews

Best for customer service $50-$60 $75 B
hwc-logo4/5

Based on 4536 Reviews

Best for affordable premium $44-$60 $100 B+
hwc-logo4.5/5

Based on 155 Reviews

Best response time $35-$50 $90 A-
hwc-logo4/5

Based on 914 Reviews

Best for multi-family homes $40-$47 $50, $100, $125 A+
hwc-logo3/5

Based on 2459 Reviews

Best for real estate deals $40-$50 $100, $125 B
View More right arrow
hwc-logo3/5

Based on 2465 Reviews

Best for overall claims process $45-$58 $75 NR
View More right arrow
hwc-logo3/5

Based on 2424 Reviews

Best low monthly premium $33-$58 $85 B+
hwc-logo3/5

Based on 120 Reviews

Best customer satisfaction $35-$70 $75, $100, $150 B+

What Are The Factors Affecting The Buying Decision?

Identifying an ideal home warranty that caters to your needs requires a lot of research. Some points especially need more consideration than others, such as coverage details of the plans, premium & deductible cost, location, and customer service.

Let’s look into these points in detail:

Location

First and foremost, you must find the list of home warranty companies operating in your state. It must be noted that only a handful of companies operate nationwide, while some offer services in selected states. Click on your state on the map below to get the top-performing companies list.

Coverage

Home warranty coverage varies depending on the company and the chosen plan. However, most companies offer generic coverage. For example:

  • Electric System
  • Heating System
  • Ductwork
  • Refrigerator
  • Plumbing System
  • Microwave
  • HVAC System
  • Dishwasher

You can also choose optional add-ons. These items typically include:

  • Spa
  • Swimming Pools
  • Stand Alone Freezer
  • Roof Leaks
Learn more about the coverage details here
Coverage
Customer-Service

Customer Service

It is essential to find out the quality of customer service offered by the home warranty companies. There are three aspects to this-

  • Ease of getting in touch with the company to file claims: Make sure that you can get in touch with the company with ease using multiple means.
  • Quality of work by the company’s contractors: Make sure that the comapny hires licensed and experienced contractors.
  • The extent of post-service guarantee: Make sure that your company offers lengthy workmanship guarantee.

Cost

Home warranty companies usually charge two types of fees from the customers- monthly or yearly premiums and service fees. You are expected to pay the premiums of the plan you choose based on the coverage limit, location, waiting period, and add-ons.

On the other hand, you must pay the service fee or deductible when a contractor pays you a visit for maintenance work.

Note that the premium cost of many home warranty companies depends on the service fee you select to pay. Therefore, it is another aspect you must consider while negotiating with the companies.

Learn more about home warranty cost details here
Cost

How To Choose The Best Home Warranty Company?

One of the major concerns leading to unsatisfactory experience among the customers that we notice is the mismatch of expectations placed on the home warranty companies. This primarily happens for two reasons:

  • There is a disconnect between what the customer wants and what the company offers
  • Customers miss out on reading the fine print and the terms of service offered by the company
  • Prospective customers are misled by reviews coming out of poorly researched sources

Follow these steps to identify an ideal home warranty that fits your requirements:

Determine Coverage needs

Make a list of the things you want the home warranty to cover. Identify systems and appliances that are crucial for the functioning of your home and those that are relatively old (older than 3-4 years), as these may be more in need of protection.

Determine-Coverage-needs
Do-Research

Find Companies That Match Your Requirements

The USP of every home warranty company differs, and therefore you must shortlist companies that cater to your needs. Check if the company’s coverage list meets your requirement and if the cost fits your budget. Ensure that the customer representative answers all your questions to your satisfaction before you proceed.

Read The Fine Print & Terms Of Service

The importance of reading the fine print and terms of service cannot be stressed enough. Companies lay out many conditions for their services in these columns, which are not advertised.

Therefore, before finalizing the deal, customers must know the extent and limitation of coverage for all their appliances and services. This will help them in avoiding future conflicts that may arise with the home warranty company.

Ask-Your-Near-and-Dear-Ones
Ask-For-Free-Quotes

Get Your Information For Authoritative Sources

Many sources peddle home warranty reviews, but most of these are not authoritative. Many multi-vertical sites have started listing home warranty companies, where any information related to home warranty exists in one or two pages.

As a result, it is evident that apart from company lists, you get no substantial information required to help you make an informed choice. It is advisable to consult sources dedicated to learning about the home warranty users' requirements and the companies’ reviews.

If you want to learn more about choosing a home warranty, read our detailed guide on purchasing a home warranty.

How Do Home Warranties Work?

Home warranties are supposed to protect you from spending excessive money on repairs and replacements for malfunctioning appliances and systems. Home warranty companies offer coverage for these potential damages by collecting a premium once a month or a year.

Once you purchase a plan, you are entitled to file for 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.

Step1:

Firstly, you request service by contacting the company's customer support department. After submitting the request, the company will process it further and assign you a licensed contractor or technician.

Call your home warranty company
inspection by technician
Step2:

The assigned technician will arrive at your doorstep at the earliest, diagnose the problem, and inform the company about it.

Step3:

Depending on the information provided by the technician, you will receive a repair or replacement service. In exchange for this, you are required to 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 agreements carefully.

 repair and replacement

Home Warranty Vs. Home Insurance

Home warranty is a service contract that helps you repair and replace household appliances and home systems with basic pay. Home insurance is property insurance that protects it against losses and damages.

In case of a breakdown of an appliance or system, a home warranty plan covers all of it with a service call fee. Home insurance includes protection of personal belongings, the structure of a home, liability, and living expenses.

The important difference between a home warranty and home insurance is their coverage. A home warranty can help you stay ahead of your home's expenses.

home_warranty_vs_home_isnurance

Our Methodology

At HomeWarrantyReviews.com, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. We examine, compare, and analyze the companies on the following factors:

  • Cost: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts.
  • Coverage: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts.
  • Claims: We compare companies’ claims filing procedure, settlement, and response times. We also look at customer reviews and determine how satisfied they were with the provided services.
  • Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
  • Uniqueness: We examine whether the company offers additional services, advantages, or coverage alternatives that set them apart from the competition.
  • Customer Engagement: We assess the determination of home warranty companies responding to consumer problems through our Complaint Resolution Program.
  • Customer Reviews: We collect user reviews to understand their views better about the company. However, we have noticed that customers dissatisfied with a service have more chances of writing a review in the hopes of finding a remedy than a satisfied customer. This leads to the accumulation of negative reviews and gives out a skewed perception of the company. Therefore, along with user reviews, we consider many other factors while rating a home warranty company in the interest of accuracy.

Why trust HomeWarrantyReviews.Com

Research-platform

We are America's first independent home warranty review & research platform

14-years

We have been assisting our readers for more than 14 years

home-warranty-companies

We have listed more than 80+ home warranty companies

 customer reviews

We have nearly 100,000 genuine & verified customer reviews

two-step-verification

We use a two-step verification process to maintain the authenticity of reviews

Complaint-Resolution-Program

We allow users to connect directly with the company's representatives to resolve issues through our Complaint Resolution Program

Choice Home Warranty
hwc-logo3.5/5

Based on 9311 Reviews

Offer(s) available: 1st Month Free + Limited Roof Coverage
Service Plus Home Warranty
hwc-logo 4/5

Based on 840 Reviews

Offer(s) available: $200 Off + 2 Months Free
Select Home Warranty
hwc-logo 4/5

Based on 4536 Reviews

Offer(s) available: $150 off + Free roof coverage + 2 months free

Frequently Asked Questions

Q.

Who Needs A Home Warranty?

A.

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.

Q.

Which Company Has The Best Home Warranty Program?

A.

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 ›

Q.

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

A.

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.

Q.

Who Regulates Home Warranty Companies?

A.

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.

Q.

What To Look For In A Home Warranty Company?

A.

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

Q.

What Isn't Covered Under A Home Warranty?

A.

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 

Q.

What Is Covered Under A Home Warranty?

A.

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.

Q.

How Long Does A New Home Warranty Last?

A.

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.

Q.

What Is The Average Waiting Period Of Any Warranty Company?

A.

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.

Q.

What Are Home Warranties For Multi-Family Homes?

A.

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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