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The issue of broken-down appliances and systems is quite common in Florida due to the hot weather and cyclones. Add to this the exorbitantly high maintenance costs due to the high costs of living in the state, and this makes a compelling case for Floridians to explore home warranty plans. We’ve reviewed the best home warranty companies in Florida to help you find an ideal plan that suits your needs.
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.
American Home Shield is the pioneer of the home warranty industry. The company has been the industry leader for over five decades, providing comprehensive coverage, customized plans, and high-dollar payouts.
What To Expect From AHS:
Dollar limits of upto $6k on appliances & unlimited on systems.
Workmanship guarantee of 30 days.
American Home Shield offers homeowners three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Apart from that, you can purchase add-ons at nominal rates.
American Home Shield plans cost between $39 to $70 per month with three options on deductibles: $75, $100, and $125.
Choice Home Warranty is a leading home warranty service provider, covering over 1.6 million homes across the country. The company’s plan options, deductible pricing, and premiums are economical compared to other providers.
What To Expect From CHW:
Offers 90-Day parts & 30-day labor guarantee.
Coverage limits of up to $3000 per item.
Choice Home Warranty offers two plans to homeowners – Basic Plan and Total Plan with free roof coverage.
The basic plan costs $45 monthly, and the Total plan comes at around $55 monthly. CHW charges service fees from $75 to $150.
ServicePlus Home Warranty, earlier Total Home Protection, has built a reputation in this industry as an affordable company with a reasonable service guarantee. The same has been attested by its customers through their reviews and ratings.
What To Expect From ServicePlus:
Provides guarantee of 90 days on parts & 30 days on labor
Dollar limit of $1.5k per contract item
Service Plus Home Warranty offers two plans: Gold Plan & Platinum Plan with 18 optional items.
ServicePlus plans range between $50 to $65 monthly. Aside from the premiums, a deductible of $75 has to be paid for every service visit.
The Select Home Warranty has three plans where Bronze care is quite popular. Its premium is quite affordable, and there are often discounts from the company.
What To Expect From SHW:
Dollar limits of upto $2000 per item.
Offers same-day response on claims
Select Home Warranty has three plans for homeowners; Bronze Care, Gold Care, and Platinum Care. Its Platinum Care Plan is the most comprehensive one.
The Bronze Care and Gold Care plans cost $60 monthly. The Platinum Care plan comes at $64 per month. SHW deductibles or service fees vary for each state, usually between $60-$100.
America’s Preferred Home Warranty has been serving affordable plans to its customers for over 20 years. One of the USPs of the company is that it offers freedom to its customers to select their licensed contractors.
What To Expect From APHW:
Offers a choice to pick your licensed contractor
Dollar limits of upto $25k per contract term
APHW provides a home warranty plan; Basic Coverage that customers can upgrade with Preferred add-ons.
The APHW plans cost $39 per month and go up to $47, depending on the choice of deductible ranging from $50, $100, to $125.
Liberty Home Guard is a New York-based privately held home warranty company that serves flexible plans across the States. It has a vast network of certified and trained contractors available 24/7 for the services.
What To Expect From Liberty:
Workmanship guarantee of 60-days.
Dollar limit of $2k per item.
Liberty Home Guard provides three plans to the customers: Systems Plan, Appliance Plan, and Total Home Guard Plan. Apart from that, you can opt to purchase optional items from an extensive list.
The range of LHG’s plans lies between $35 to $50 monthly. Liberty Home Guard charges a $90 deductible or service fee.
Cinch Home Services is the 2nd largest provider of home warranty plans in the States. It has a large network of 18,000 service professionals and serves over 1 million requests every year across 48 states.
Cinch Home Services has three plans for homeowners: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. They also offer a Premier Upgrade package that includes electrical & plumbing modifications, code upgrades, permits, condenser pads, and more.
Cinch Home Services prices its plans from $34.99 to $67.99 per month with deductibles of $75, $100, or $150 (depending on the plan).Plan can start at $45. The company charges a service fee or deductible of $85 per visit.
Important Tips On Buying A Home Warranty In FL (Florida)
Florida experiences warm temperatures throughout the year. The heat can cause stress on the internal components of systems and appliances. Not to mention that a hot environment can also be harsh on your cooling appliances.
The below-mentioned climate profile of the state makes a compelling case to get a home warranty in Florida:
Average Rainfall
Average Sunlight
General Climate Conditions
Tropical Cyclones
53.7 inches/ Year
237 Sunny Days/ Year
Hot Summers (Average - High)
Mild Winters
June - October
To protect your device from normal wear and tear in the warm and cold weather, investing in the perfect home warranty company is your best bet. Before deciding on a home warranty purchase, consider the following seven crucial tips.
Always assess which systems and appliances require coverage. Only once decide should you search for a home warranty plan that meets your criteria.
Read the terms & conditions and the exclusion list of the shortlisted companies before investing in a home warranty plan of your choice.
If one of your heavily-relied-upon appliances breaks down on a Friday night, you would have to endure the inconvenience until Monday morning. So, choose a home warranty company that works on weekends and get your appliances repaired or replaced at the earliest.
Florida's best home warranty companies provide homeowners discounts, offers, referral rewards, lower deductibles, higher payouts, add-ons, and much more. So, thoroughly research the company's offerings before taking your pick.
Inquire with the home warranty company about the payout limit or caps. If the expenses exceed the coverage cap, it is expected for the homeowner to bear the excess out-of-pocket expenses.
Florida has many places like Key West, Miami, Miami Beach, Southwest Ranches, Aventura, etc., where living is expensive. In that case, it is best to protect yourself from the financial burden of repairs and replacements with affordable home warranty coverage.
If you have a spa, well, swimming pool, or septic system, look for a home warranty covering these aspects.
Homeownership Assistance :Â The Department of Housing and Urban Development provides various programs to people looking for affordable homes. These include Habitat for Humanity, Florida Housing Finance Corporation, Community Development Block Grants, etc.
The Florida Department of Insurance : This department is responsible for regulating home warranty companies. If you encounter any problem with your chosen provider, you can file a complaint with DOI.
Bottom line
Florida is home to various leading home warranty providers, such as American Home Shield, Select Home Warranty, Choice Home Warranty, etc. However, each company offers a different range of coverage and service quality. Before purchasing a Florida home warranty, we encourage you to get free quotes and carefully read the service contract.
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-effectiveness: 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.Â
Coverage: We compare the plans offered by different home warranty companies. The coverage includes systems, appliances, and additional offerings.
Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.
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.
CustomerEngagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program
FAQs
Does Choice Home Warranty Cover Florida?
Yes. Choice Home Warranty offers services in Florida. The options available in the state are the Total Plan, Basic Plan, and Optional Coverage. You must thoroughly research all the plans before opting for a pick. You can also read our Choice Home Warranty review to know more about the company’s offerings.
Which Is The Best Home Warranty Company In Florida?
There are several top home warranty companies offering services in the state. However, picking the best company can be subjective and depends on customers’ requirements. According to the several customer reviews received on homewarrantyreviews.com, Choice Home Warranty and American Home Shield top the list.
However, finding the perfect home warranty provider is up to you. Reading other customers reviewing and speaking to close acquaintances about their experiences with warranty providers can be a boon.
Who Regulates Home Warranty Companies In Florida?
The Florida Office of Insurance Regulation oversees state home warranty rules and regulations. If you have any queries, you can reach the office by dialing (850) 413-3153. The office aims to ensure that customer protection remains at the forefront of all insurance-related activities in the state.
What Types Of Properties Should Have A Home Warranty In Florida?
Floridians residing in townhouses, single-family properties, multi-family units, and modular homes can consider opting for home warranties. Carefully assess the company’s replacement costs, plans, customer service, and policies before finalizing the perfect option.
How Much Is A Home Warranty In Florida?
Home warranties in the state can cost anywhere between $300 and $750 annually. If you opt for a monthly plan, you can expect the cost to vary between $40 and $60. You will also be required to pay a service call fee each time you file a claim for a malfunctioning device. This amount varies from $35-$75. The investment will reduce the chances of unexpected expenses creeping up later.
Who Usually Pays For Home Warranty Buyer Or Seller?
In most instances, the home seller will pay for home warranty coverage for one year. But, after twelve months, it is up to the new homebuyer to opt for an extended warranty if interested. The home buyer and seller must agree beforehand regarding who will pay for the policy,
It is best if the seller and buyer are transparent on every detail. At times the concerned realtor can also play a key role in helping both parties understand the process.
Will A Home Warranty Replace An Old HVAC?
Whether the HVAC will get replaced depends on the home warranty provider’s policy. The contractor will inspect the device, which might be replaced if it cannot be repaired. You should also understand that it may not be covered under the contract if the old HVAC comes with pre-existing conditions. However, some warranty providers do offer coverage for items with pre-existing conditions.
How Does The Claims Process Work?
Filing home warranty claims is a simple procedure. If you notice a malfunctioning item, contact your home warranty provider. You can contact the provider via phone or on the company site. When your claim gets approved, a trained technician will contact you to schedule an appointment.
Once the technician comes over, he/she will conduct a thorough diagnosis of the problematic device. Depending on its condition, it will either get repaired or replaced. When filing your home warranty claim, you must also remember to pay the necessary service call fee.Failing to pay the service call fee can lead to the cancellation of the policy. Also, you must keep in mind to only file a claim when the device is giving trouble, as each time claims get filed, you will be charged.
Do Builders Offer Home Warranties?
Builders do not offer home warranties in most instances. However, they offer a builders warranty for the new home. This warranty covers plumbing, electrical, and concrete floor. Ensure the builders’ warranty is included in your contract when purchasing your new home.
Do I Need A Home Warranty If I Have Homeowners Insurance?
Home insurance and warranties offer your home protection but in different ways. So opting for a home warranty contract with a homeowners insurance policy is not a bad idea. Home insurance typically covers damage caused by accidents, calamities, and other unexpected occurrences, whereas home warranties only cover damage brought about by normal wear and tear.
Procuring both services can give your home comprehensive coverage. However, if you are still unsure about the difference between the two and whether you need them, reading our home warranty vs. home insurance guide may help.
Why Should You Trust HomeWarrantyReviews.com
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We have listed more than 80+ companies are listed with us
We have nearly 100,000 genuine & verified customer reviews
We use a two-step verification process to maintain the authenticities of reviews
We allow users to connect directly with the company's representatives to resolve issues through our Complaint Resolution Program
Florida Home Warranty Companies Reviews
Robert Smith,
Sun City Center
On
Aug 02, 2022
American Home Shield (AHS)
This most recent experience was another excellent level of service by AHS and the service provider (Air Boss) in repairing my A/C system during record breaking heat wave.
AHS identified a service provider quickly and the provider contacted me in a timely fashion. The provider called and arranged an early appointment the same day. It made for a MUCH cooler day.
Anuj Vohra,
Sanford
On
Aug 01, 2022
American Home Shield (AHS)
Buy this warranty only if you expect multiple weeks of delays in what you may consider to be an emergency. Like 100 degree weather in peak summer months. Rep nonchalantly states “it needs to be 110 degrees to be an emergency. So you have to wait till next week.
Sylvania Brown,
Opa Locka
On
Aug 01, 2022
American Home Shield (AHS)
Great first experience. I placed a request for roof leaking on a Tuesday morning around 10am, by 2pm a Roofing Company was at my home to access the damages and my roof was repaired and request Completed on Friday. Prompt response, Excellent Customer Service. Quality of repair appears great (photos were provided by company).
Now just waiting for rain to confirm no more leaks.
William Correa ,
Orlando
On
Aug 01, 2022
American Home Shield (AHS)
Excellent warranty company
They are replacing my washer after several attempts to fix. Decided to get us a new washer. American home shield is great
I recommend them to anyone who is looking for a excellent company that stands behind what they day. I couldn\'t be happier to have a contract with them.
M L Mason,
Cocoa
On
Jul 31, 2022
American Home Shield (AHS)
Repair technicians were friendly, courteous, timely and efficient. Arrived within scheduled window and were quick and efficient with replacement of garbage disposal and made sure to demonstrate proper operation and cleaning of new equipment.
Edward Valykeo,
Naples
On
Jul 29, 2022
American Home Shield (AHS)
Techs were on time and professional. They found my electrical problem within minutes changed the switch cleaned up their mess and were gone. No additional money out of pocket. American Home Shield worked as promised.
Mike,
Cape Coral
On
Jul 28, 2022
Lowe's Appliance Extended Warranty
We have been Lowe\'s Customers for at least 20 years now and have purchased at least 4 new total appliance packages from them. We always have purchased the 5 year warranty on each item we bought. In June, 2022 our ice dispenser in our Whirlpool Gold Refrigerator stopped supplying ice. After much hassle with on the phone with the warranty call center, they finally scheduled a repair service. Upon their inspection, they stated the motor was frozen up and needed to be replaced with some additional pieces. They took the information and said they would order parts and call me when they came in for repair. After 3 1/2 weeks of no response, I called the repair person and left multiple messages as to what the status of my repair was. Since they could not be bothered to return my call, I called the warranty call center back and had to go through the entire scenario again, even though I had the claim number from the initial visit. They assured me it was going to be taken care of and my claim would be elevated that day and I would receive an email with the details in 1 or 2 business days. You guessed it, no response so after another 5 or 6 days, another call back to the warranty call center and of course a different agent. After again going through the entire scenario, he told me the parts are not available for my ice dispenser. That's when I asked him when my new refrigerator would be delivered with a working ice dispenser. Of course he told me my claim would be elevated and someone would be in touch with me. No contact after several days so I found an email address for Lowes/Assuron appliance department. I sent them a detailed letter with all the problems and details and included a supplier that actually had my parts in stock and ready to ship. A day or two later their response was "sorry for the problems" and my issue was "escalated" for the part. They also told me to contact the repair service to see what my repair status is. That's it for me and Lowe's and their products/warranty! Don't be lured into a comfort zone when they try to talk you into their appliance warranty package as it isn't worth a dime! Be Aware........
Judith L McClosky,
Milton
On
Jul 26, 2022
Lowe's Appliance Extended Warranty
This is absolutely the worst protection plan. I\'ve had no good results and been without a refrigerator for almost a month. Their plan is outsourced, and I get nowhere when talking to them. If I could give a minus star I would.
Jay Craig,
Tampa
On
Jul 21, 2022
American Home Shield (AHS)
MY Air Conditioner was not cooling and Airb*** fixed it by replacing the fan. American Home Shield works well, I have been using them over 10 years and Airboss is the Best Air Conditioning company, I have used them over 5 years.
marty s,
Atlantic Beach
On
Jul 20, 2022
American Home Shield (AHS)
My home warranty is with American Home Shield. July 7th, I requested a 2nd opinion from AHS for an ongoing issue with my homes heat pump, it was leaking refrigerant badly. The AHS work order is #131342188. United air temp was assigned. July 11th United air temps tech came out to assess the problem. The tech diagnosed the needed repair (leaking refrigerant muffler and recharge system) and reported that information to AHS rep handling repair authorizations. A cost and schedule was discussed and approved , I heard the call. Parts to be ordered. That report was United invoice number #177759. It correctly stated the repairs needed. Morning of July 14, I received a call from United air temps appointment call center (She***), I was informed my repair parts would be in on the morning of July 19, and that the technician: 0182 BON**R - DION**E, would arrive at my home 10:30am of 7/19 to make repairs. July 19, he arrived 10:40am, collected his tools and supplies from his work van and proceeded to begin work on my heat pump. I asked could I watch. He agreed. He proceeded to prep and remove the bad muffler. I asked why he wasnt replacing the muffler with a new one. He told me the OEM muffler was unattainable, he was directed by his manager to substitute an incorrect part. I voiced my concern, he substituted with a plain straight pipe. I reported this to AHS by phone. 2 calls, total 84 mins. His office called him to discuss, I asked to speak directly to her (Darlene). I did. She said they would make a temp repair and fix it later. I was promised a call back that day, no one called. The tech recharged the unit, gave me receipt #178418, and left my home. 20 days since my first request. I have paid AHS $214.14 so far, ($44.57 x 2 months) plus $125 copay for said repair. My HEAT PUMP STILL NOT REPAIRED. AHS failed. I want a refund, I want out of my contract. 2 companies, 2 techs, 3 visits. I have notes, photos, and transcripts to support. I located correct part locally $16.10
Susan Sterrett,
Lynn Haven
On
Jul 12, 2022
American Home Shield (AHS)
Our pool filter motor quit. We submitted a claim. We were contacted quickly and R** our service tech called and gave us an appointment. He came as agreed and replaced the motor. He is very professional dnd enjoyable
Dan Johnson,
Clermont
On
Jul 06, 2022
American Home Shield (AHS)
A**ation sent Dan** to our house to resolve a pool pump issue. Dan** was very professional and provided excellent service. After resolving the pump issue he explained the issue and the resolution. I mentioned upgrading our system and he provided me with some invaluable information. He was a pleasure to deal with.
Michelle Graham,
West Palm Beach
On
Jul 01, 2022
American Home Shield (AHS)
I appreciate this company but feel they could be more proactive when technicians are delayed with completing jobs or setting up appointments. It has been weeks since my dishwasher and stove has not repaired. They raised there rates 50% before inflation even kicked in. They also need to repair items that are due for updates which can cause hazards, such flooding, fires, etc.
CJ,
Ocala
On
Jun 30, 2022
American Home Shield (AHS)
We were surprised on Sunday when an online appointment was available the next day! Se**s A** was the company selected that fixed another situation that was so delayed by a different company previously- we were happy to get Se*** factory service again!
The company arrived early, diagnosed quickly, and had the part on the truck! No supply-chain waiting!
Five stars!
Donna Jean Feathers,
Parrish
On
Jun 28, 2022
Lowe's Appliance Extended Warranty
Horrible. Over five weeks without a working washing machine called and told to wait 1-2 business days for an email. Local repair shop says part is back ordered and has no idea when to expect it. I should have gotten my money back for the washer and my set or plan by now. Local Lowes can’t do ANYTHING until they say.
Leonard Barnes,
Dunnellon
On
Jun 25, 2022
American Home Shield (AHS)
Good service as the rep found another vendor for refrigerator when assigned vendor was several weeks out to come to the house to repair it. But settlement check is taking seven to ten days to get to pay for new ref. Slow.
Dawn Robertson,
Winter Haven
On
Jun 16, 2022
American Home Shield (AHS)
Overall a great experience. Our air conditioner went out on Monday. The repairman was scheduled for Friday. The delay was rough when it was so hot, but our air conditioner is now fixed and running as it should!
Justus Roberts,
Tampa
On
Jun 16, 2022
American Home Shield (AHS)
It is hard conducting business with AHS. No one takes ownership of an issue. When escalating an issue I have to call back 6+ times to have it resolved. Repeating the issue each time I talk with an AHS agent.
Tonya Mathis,
Pensacola
On
Jun 14, 2022
American Home Shield (AHS)
Very happy with the service I received from American Home Shield and the contractor that worked on my dryer. The contractor was prompt and friendly. And it was fixed that day.
Lisa asher,
Spring Hill
On
Jun 02, 2022
American Home Shield (AHS)
Great service by plumbing company that came for our broken garbage disposal he was super prompt and courteous!!!! Would recommend this company for citrus calls! Wish he would have left his card for future plumbing!
Shirley Wilson,
Tallahassee
On
Jun 02, 2022
American Home Shield (AHS)
After 5 weeks and a few phone calls, I can FINALLY give a review. New refrigerator installed today. Happy with purchase. AHS was slow in the beginning to resolve my problem. No parts available for older refrigerator. (13 years old) AHS AGREED TO REPLACE. Had to make 3 phone calls to get information and know when money for replacement would arrive. Felt like, I always had to make a phone call to get results. Two reps. said they would call me back with status update. Gave them ample time, before I had to call. The problem was never being able to deal with one rep. Always transferred to another rep.
Amid ,
Orlando
On
May 31, 2022
American Home Shield (AHS)
All services received by AHS have been excellent, except for the fridge which five technicians had come and none of them could solve the problem. The other services like air conditioning unit, dryer were done quickly and well done.
Michele Ford,
Cantonment
On
May 29, 2022
Lowe's Appliance Extended Warranty
I have been trying to call Lowes extended warranty to schedule a repair for my refrigerator. No luck, , recording says high volume call time, longest wait on phone was 45 minutes & no luck. Went into Lowes, talked with appliance person, entered all my info into computer. She said someone would call within 48 hours, that was 2 weeks ago. Very frustrated.
v Faggart,
Brooksville
On
May 27, 2022
American Home Shield (AHS)
After a glowing recommendation I signed up for 3 contracts on our homes. Service call 1: AC wasn\'t working. The contractor sent by AHS walked in 1st comment: They (AHS) don\'t replace; they will always repair and repair. He provided an estimate for a $9400 replacement. OK-it needs replacement? Yes, but I explain all the time that it won\'t be replaced just continued to be repaired. 2nd visit,10 days later, still HOT: another test, an explanation that system leaking, needs coolant 100lbs and AHS only pays $10/lb. Question: why put in $1000 worth of coolant that will only leak out???Plus we take bad part to our shop (50 miles away) to repair. OK sounds like we'll still be HOT. Phone call from contractor's office: Hey Hon, what do you want to do with that AC? Most people don't want to put money into an old unit. They will only repair and you'll spend a lot of time being HOT. Decided to cancel; third call it's almost impossible- do I want cash ($750 for a quote of $9400), NO. Can they give me a credit. No I plan to cancel all three contracts. All this is to say this is only a good deal if what you're insuring ends up being totally and unquestionably DEAD and even then it will be a battle to prove that it won't resuscitate. STAY AWAY. It will only accept 1 star but ratings should include one for a rotten egg
Rachel Carson,
Hilliard
On
May 26, 2022
American Home Shield (AHS)
After 10 months of septic issues, and being told the policy covers replacement of a sewer ejector pump, my claim was denied. I called for the authorization, & when asked WHY the pump failed, the guy replacing the unit in the hot Florida sun, said, " I don\'t know! It could be the age of the pump, mechanical failure or even a lightning storm in the area! I don't know!".
I was denied coverage because it MAY have been lightning! $850.00 out of pocket unexpectedly !! I attempted to talk with the conflict resolution team without success.
I did not renew my policy. I now have a home warranty with the leading company for less yearly & a lower service fee.
The vendors that AHS sent out for 10 months did not find the clear out valve or identify/resolve the issue. The idea of a home warranty is good, but the vendor repair person cannot find the issue, we had 10 months of sewage backup that could have been rectified.
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CG
Chelsea Glymph
Service was great. Communication not so much. Would have liked a call to when the claim was out in. The technician was very knowledgeable. He diagnosed the problem and repaired the same day.
BO
BENEDECTA OCTAVIANI
Excellent work. The technician is very professional. The repair time need improvement. I excused because way for the part for my air conditioner. It ok for me. Appreciate. Thank for every think.
LE
LEONARD ETLINGER
A**x at USA Plumbing and Sewer is a great technician. Did a wonderful job. I would like to contact him next time that I have a problem. Thanks for the good service.
AS
Andrew Schwarzmann
This is the best home warranty company, do not use anyone else. They are honest and very reliable. Very problem I had they fixed. I will use them for the rest of my life.
JW
James Walker
I don\'t have much to say about the service that I received. But overall, everything went smoothly. As one would expect a lot better than other warranty service plans, I have dealt with.
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Updated on
July 15, 2022
