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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.

The Best Home Warranty Companies For 2022

A home warranty plan can reduce the cost of repairing or replacing aging and worn-out home systems and appliances.View more ... We have saved you hours of research by reviewing and comparing the best home warranty companies in the market. Here is a list of the top options for you based on our thorough research. View less.

Service Plus Home Warranty
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Service Plus Home Warranty

Premium

$620-$700

Deductible

$75

Appliances Limit

$1,500 per item

Choice Home Warranty
Rating star Rating star Rating star Rating star Rating star
Choice Home Warranty

Premium

$530-$630

Deductible

$85

Appliances Limit

$3000 max.

Select Home Warranty
Rating starRating starRating starRating starRating star
Select Home Warranty

Premium

$630-$675

Deductible

$100

Appliances Limit

$150-$3000

Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.

A Quick Look At Top 10 Home Warranty Companies

Company
Plans
Premium
(Month)
Deductible
Limit
Basic Plan
Total Plan
$46-$55
$85
$3,000 max.
ShieldSilver
ShieldGold
ShieldPlatinum
$35-$70
$75, $100, $125
$3,000-Unlimited*
Bronze Care
Gold Care
Platinum Care
$60-$63
$100
$150-$3,000 per item
Gold Plan
Platinum Plan
$60-$66
$75
$1,500 per item
Standard Plan
Comprehensive Plan
$65-$80
$65-$125
$6,000-$9,000 max.
$50 Deductible Plan
$100 Deductible Plan
$125 Deductible Plan
$40-$47
$50, $100, $125
$25,000 max.
Buyer Only
Buyer/Seller
$40-$50
$100, $125
N/A
Appliances Plan
Built-in Systems Plan
Complete Home Plan
$35-$70
$75, $100, $150
$10,000 max.
Select Plan
Select Plus Plan
$45-$58
$75
N/A
Standard Plan
Comprehensive Plus Plan
Enhanced Plan
Enhanced Plus Plan
$30-$37
$65
N/A
COMPANY
DETAILS
RATING
Rating starRating starRating starRating starRating star3.5

Premium (Year)

$530-$630

Premium (Month)

46-$55

Deductible

$85

Limit

$3,000 max.

Plans

Basic Plan
Total Plan

RATING
Rating starRating starRating starRating starRating star4

Premium (Year)

$420-$840

Premium (Month)

$35-$70

Deductible

$75, $100, $125

Limit

$3,000-Unlimited*

Plans

ShieldSilver
ShieldGold
ShieldPlatinum

RATING
Rating starRating starRating starRating starRating star4

Premium (Year)

$630-$675

Premium (Month)

$60-$63

Deductible

$100

Limit

$150-$3,000 per item

Plans

Bronze Care
Gold Care
Platinum Care

RATING
Rating starRating starRating starRating starRating star4

Premium (Year)

$620-$700

Premium (Month)

$60-66

Deductible

$75

Limit

$1,500 per item

Plans

Gold Plan
Platinum Plan

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$650-$800

Premium (Month)

$65-$80

Deductible

$65-$125

Limit

$6,000-$9,000 max.

Plans

Standard Plan
Comprehensive Plan

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$475-$560

Premium (Month)

$40-$47

Deductible

$50, $100, $125

Limit

$25,000 max.

Plans

$50 Deductible Plan
$100 Deductible Plan
$125 Deductible Plan

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$490-$635

Premium (Month)

$40-$50

Deductible

$100, $125

Limit

N/A

Plans

Buyer Only
Buyer/Seller

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$420-$840

Premium (Month)

$35-$70

Deductible

$75, $100, $150

Limit

$10,000 max.

Plans

Appliances Plan
Built-in Systems Plan
Complete Home Plan

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$550-$700

Premium (Month)

$45-$58

Deductible

$75

Limit

N/A

Plans

Select Plan
Select Plus Plan

RATING
Rating starRating starRating starRating starRating star

Premium (Year)

$350-$445

Premium (Month)

$30-$37

Deductible

$65

Limit

N/A

Plans

Standard Plan
Comprehensive Plus Plan
Enhanced Plan
Enhanced Plus Plan

View More Companies

Compare Best Home Warranty Companies

Company
Why Them
Year of
Establishment
Premium Prices (monthly)
Trade Service Fee
BBB Rating
States Served
American Home Shield (AHS) Home warranty industry pioneer 1971 $35-$70 $75, $100, $125 B+ 49
Select Home Warranty Lowest deductible 2012 $60-$63 $100 B 46
Choice Home Warranty Large service contractor network 2008 $46-$55 $85 B 48
ServicePlus Home Warranty Most affordable plans 2016 $60-66 $75 B 45
The Home Service Club Critical coverage in plans 2008 $65-$80 $65-$125 A+ 48
America’s Preferred Home Warranty (APHW) Choice of own contractor 1999 $40-$47 $50, $100, $125 A+ 49
HSA Home Warranty Excellent real estate options 1984 $40-$50 $100, $125 B 30
Cinch Home Services Freebies that make life better 1988 $35-$70 $75, $100, $150 B+ 48
Home Warranty of America Longer coverage term for less 1996 $45-$58 $75 NR 50
Fidelity National Home Warranty From the house of a national insurer 1974 $30-$40 $65-$75 A+ 17

*Terms & Conditions apply.

The Best Home Warranties - An In-Depth Look

American Home Shield (AHS)

Oldest home warranty company in the industry

American Home Shield has remained the industry leader since 1971 when they began offering home warranty services. They offer among the best home warranty programs with a wide range of home systems and appliances and high dollar payout limits. Customers can pick between three premium and deductible options paid on a monthly or annual basis.

  • Serves 49 states (not available in AL)
  • Covers improper installations, repairs or modifications
  • Covers removal of old, and defective items

Overall Rating

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Select Home Warranty

Lower trade service fees than the industry standard

Select Home Warranty has been helping customers reduce home systems and appliance repair costs for a decade. They offer the lowest trade service fees among the more reputable companies.

Select Home Warranty also give free roof coverage and 2 extra months off on all plans. They have three plans, one systems-only, one appliances-only, and one comprehensive.

  • Serves 46 states (not available in NY, NV, WA)
  • Covers the parts and components critical to the functioning of the devices
  • Provides 90 days repair guarantee

Overall Rating

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Choice Home Warranty

Sizable service contractor network of over 25,000

Choice Home Warranty has been offering home systems and appliances repair and replacement services for 13 years. They are among the leading companies because they have covered over 1.6 million homes and handled more than 4.5 million service requests.

Choice has two simple plans making it easy for buyers to choose one, depending on how much coverage they want.

  • Serves 48 states (not available in CA, WA)
  • Has a strong contractor network and fast response time
  • Has acquired HWA Home Warranty to become the 3rd largest provider

Overall Rating

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ServicePlus Home Warranty

Affordably priced option with free coverage for new users

A rising new company, Serviceplus Home Warranty has spread quickly across 45 states, after their establishment in 2016. They have two plans for comprehensively covering the home systems and appliances and several add-on items. The pricing is affordable for first-time home warranty users in particular. Serviceplus has been rated favorably for their service quality.

  • Serves 45 states (not available in CA, NV, NY, WA)
  • Gives guarantee of 90 days on parts and 30 days on labor
  • Provides access to vetted, and skilled service contractors

Overall Rating

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America’s Preferred Home Warranty (APHW)

Empowering customers to choose their own contractor

Some people just have their favorite repair contractors they’d rather call. America’s Preferred Home Warranty helps such consumers save money on unexpected breakdown repairs. The company has been in business for over 20 years, making them an experienced player.

APHW provides three pricing options of premium-deductible with monthly or annual payment. They have one Standard plan that can be upgraded easily and add-ons can be thrown in.

  • Serves all 49 states (not available in CA, NH)
  • Offers specially designed plans for new homes, and multi-unit homes
  • Provides immediate direct payment to contractors

Overall Rating

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HSA Home Warranty

Good option for real estate users

The company was established in 1984, giving them over 30 years of experience. They have developed offerings that are appealing to real estate consumers like agents, buyers and sellers. HSA Home Warranty’s coverage plans differ from many extended warranty companies, with a basic plan option for critical items including unusual choices like polybutylene leaks, and drain line routing.

Customers who want more can choose the 7-Star Upgrade for even accessory parts which most companies don’t offer.

  • Serves 30 states (not available in 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)
  • Covers code violations and roof leaks
  • Offers flexible pricing only in Montana

Overall Rating

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Cinch Home Services

Best complimentary goodies for homeowners

Cinch Home Services is the 2nd largest home warranty company in the industry. Their plans offer reasonable dollar payout limits and very comprehensive coverage. The pricing is flexible with trade service fee options that may lower the premium costs.

CHS also throws in freebies like water sensors, HVAC filter credit, etc. for new users. They also provide long repair guarantees.

  • Serves 46 states (not available in CA, HI, IA, NM, OK, WA)
  • Gives $500 as Homeowners Insurance Deductible Reimbursement
  • Offers a well-designed digital dashboard for claims

Overall Rating

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Home Warranty of America

13-month long standard warranty plans

With over 25 years of experience in the home warranty business, HWA has zeroed in on 30 essential home systems and appliances to cover in their plans. They are among the few companies that show environmental consciousness in their offerings.

HWA has a Greenplus option that replaces dishwasher, refrigerator, washing machine, water heater, and heating system with Energy Star certified products.

  • Serves all states
  • Gives 30-day money back guarantee
  • Covers SEER/R-410A Modifications

Overall Rating

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Fidelity National Home Warranty

Backed by a Fortune 500 insurer

This company is owned by the house of one of the nation’s largest insurers, Fidelity National Financial. After AHS, they are the second oldest home warranty provider set up in 1974. Therefore, the company has existed stably for years.

Fidelity National Home Warranty has four plans and optional coverage that even includes HVAC tune-ups. The pricing is quite competitive considering the coverage.

  • Serves 17 states (not available in MO, WY, NB, MA, NY, VT, LI, OK, KS, IA, SD, ND, AK, MS, TN, AL, NC, SC, VA, MD, DL, NJ, PA, MA, CT, NH, MA, VT, RI)
  • Has service recall period of 90 days for parts and 30 days for labor

Overall Rating

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How To Choose A Home Warranty?

Start by taking stock of all the appliances and systems you have at home that need coverage.

Then identify a home warranty company and a suitable plan that meets your needs. You can also find a suitable home warranty company by connecting with our experts. You can also buy online from some companies.

After selecting a plan, you will be required to pay a premium, which generally ranges between $300-$700 or a monthly amount. You then sign the home warranty service agreement.

tips_blockFurther Reading: A Step-by-step Guide On Purchasing A Home Warranty

How Does a Home Warranty Work?

Without a home warranty, any appliance breakdowns can turn into a costly affair. Along with the monetary burden, you have to find a suitable technician to get the job done. With a home warranty plan, the companies take care of the job for you.

Follow these 3 steps to get your equipment fixed:

Home Warranty Work Step 1:

Call your home warranty company to register your complaint if you encounter issues with any home equipment covered by a home protection plan.

Home Warranty Work Step 2:

The repair technician scheduled to visit your home will arrive at your residence on the right date, and fix the broken equipment.

Home Warranty Work Step 3:

The home warranty company will bear the expenses of the repair of equipment (and also of the replacements of the spare parts, if any). You are, however, expected to pay a fixed service call fee to the visiting technician. It may range anywhere between $50 - $125 per visit depending on the homeowner's warranty company.

Rating starRating starRating starRating starRating star
Service Plus Home Warranty

Premium

$620-$700

Deductible

$75

Appliances Limit

$1,500 per item

$200 off + 2 months free*
Rating star Rating star Rating star Rating star Rating star
Choice Home Warranty

Premium

$530-$630

Deductible

$85

Appliances Limit

$3000 max.

1st Month Free + Limited Roof Coverage
Rating starRating starRating starRating starRating star
Select Home Warranty

Premium

$630-$675

Deductible

$100

Appliances Limit

$150-$3000

$150 off + Free roof coverage + 2 months free

Why Does Location Matter When Choosing A Home Warranty?

Did you know that home warranties can vary in cost, based on the state your home is in? States that have high living expenses naturally have higher-priced home warranty services because the labor costs would spike up. But more importantly, certain home warranty companies have better contractor networks in some states than others.

This is why we recommend looking for reviewers from your city or county and talking to neighbors, friends, and real estate agents to find out which home warranty companies work best where you live.

Check out the top states where home warranty companies are really popular among homeowners:

Home Warranty Reviews Methodology

As the oldest home warranty research platform in the US, we have been reviewing these companies for a long while. We've been around as some promising new ones have grown while some scammy companies have fallen.

  • Company's plans: We keep ourselves updated with industry trends and new offerings from different companies.
  • Coverage: We evaluate home warranty companies periodically to check if their terms and conditions have changed and if their offerings are in line with living standards and home maintenance trends.
  • Contract terms: We reach out to company representatives to clarify details that look murky. A thorough reading of their sample contracts is a necessary step in our process.
  • Customer service quality: User reviews talking about customer service are more important than ever in our review strategy. The best thing about our website has always been that we provide a platform where companies can't obfuscate criticism.
  • Trust: We ask companies to share documents with us to prove their credentials and also keep an eye on their standing with the BBB.
  • Priceworthiness: Different companies have different pricing requirements but we check if their offerings match the industry standards and reasons for deviations.

Frequently Asked Questions

Q.

Is Home Insurance The Same As A Home Warranty?

A.

They are two different items. Legally, a home warranty is not home insurance. The former is a service contract, while the latter is an insurance policy to reduce the liability costs associated with certain types of home damages. The two plans can complement each other in fully protecting a home.

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 and 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 be better than each other in different aspects. That is why we classified the best performers in three aspects on this page.

Q.

What Is A Trade Service Call Fee? Should This Be Borne By Homeowners?

A.

A trade call fee is a payment that should be borne by the homeowner as part of the service contractor. It’s akin to the co-pay or deductible concept of home insurance; a compensation from the policyholder for the repair technicians’ services.

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. Overall, the National Association of Insurance Commissioners also make 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) as well. The members follow regulations and ensure that they are properly licensed.

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