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Home /  Best Home Warranty Companies
last_updated_date Last updated: May 17, 2022

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. 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.

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choice-home-warranty
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1st Month Free +
Limited Roof Coverage
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1st Month Free +
Limited Roof Coverage
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1st Month Free +
Limited Roof Coverage

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

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Choice Home Warranty

Choice Home Warranty

Special Offer : 1st Month Free + Limited Roof Coverage
  • Managed over 4 million claims till date
  • Has an extensive contractor network of over 25,000
  • Offers free roof coverage
American Home Shield (AHS)

American Home Shield (AHS)

  • Largest home warranty company
  • Offers electronics coverage
  • Has increasing dollar payout limits in upper-tier plans
Select Home Warranty

Select Home Warranty

  • Offers systems-specific and appliance-only plans
  • Has been in business for 10 years
  • Gives $100 off on every plan and 30-day free trial
ServicePlus Home Warranty

ServicePlus Home Warranty

  • Covers all the critical home systems and appliances
  • Allows inclusion of additional units for HVAC, water heater and garage door opener
  • Has very affordable service call fees
The Home Service Club

The Home Service Club

  • Offers 3 service fee options and 13-month coverage
  • Repeat winner of Annual Home Warranty Awards
  • Has special discounts on household items for customers
  • Offers multiple premium and deductible options
  • Enables choice of own contractor
  • Covers hotel benefits for stay during unexpected breakdowns
HSA Home Warranty

HSA Home Warranty

  • Established in 1984 and now owned by AHS proprietor, Frontdoor. Inc
  • Has good plans with extensive coverage, for real estate customers
  • Offers electronics coverage
Cinch Home Services

Cinch Home Services

  • 2nd largest home warranty company in the US
  • Has an extensive contractor network of over 18,000
  • Offers freebies like air filter credit, water sensor to customers
Home Warranty of America

Home Warranty of America

  • Has no waiting period for real estate coverage
  • Offers 13-month coverage for the cost of 12
  • 30-day money-back guarantee
  • Has been in business for over 40 years
  • Owned by a Fortune 500 national insurer
  • Expedites service requests in case of emergency

Compare The Best Home Warranty Companies

Company Why Them Year of Establishment Premium Prices (monthly) Trade Service Fee BBB Rating Number of States
American Home Shield Home warranty industry pioneer 1971 $39.99-$60 $100, $125, $150 B+ 49
Select Home Warranty Lowest deductible 2012 $36 - $55 $60 B 46
Choice Home Warranty Large service contractor network 2008 $46 - $55 $85 B 48
Serviceplus Home Warranty Most affordable plans 2016 $28.67 - $53 $75 B 45
The Home Service Club Critical coverage in plans 2008 $45 - $65 $65, $95, $125 A+ 48
America's Preferred Home Warranty Choice of own contractor 1999 $39.58 - $46.58 $50, $100, $125 A+ 49
HSA Home Warranty Excellent real estate options 1984 $50 - $100 $100-$125 B 30
Cinch Home Services Freebies that make life better 1988 $27.99-$39.99 $75-$150 B+ 48
Home Warranty of America Longer coverage term for less 1996 $43 - $55 $75 - $100 NR 50
Fidelity National Home Warranty From the house of a national insurer 1974 $30-$40 $65-$75 A+ 17

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

Best 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

Best 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

Best 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

Best 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

Best 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

Best 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

Best 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

Best 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

Best 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: How to purchase 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.

service plus home warranty
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$200 off + Free roof coverage
2 months free
choice-home-warranty
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1st Month Free +
Limited Roof Coverage
select-home-warranty
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$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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