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last_updated_icon Last updated: May 17, 2022

Best Home Warranty Companies In Florida

The Sunshine State is known for its high cost of living. So sparing a thousand dollars every time a home system or appliance wears out is not economically feasible. However, managing a broken device or system can be quite a hassle. If you are inconvenienced with such problems frequently, a home warranty might be the thing you need.

Home warranties are much cheaper when compared to repairing or replacing items at retail pricing. Also, you won't have to take the trouble of looking for technicians, as warranty companies send trained contractors each time a claim is filed. But choosing the perfect provider is not as easy as it seems. Read through this detailed page where we have listed the top companies in Florida, their prices, coverage, and more.

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ServicePlus Home Warranty

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Get $200 Off + 2 Months Free + Free Roof Coverage
  • Covers systems and appliances regardless of age, make or model.
  • Premium prices from $41-$48 monthly
  • Deductible priced at $75

Top-rated Home Warranties In Florida

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Choice Home Warranty

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  • Choice Home Warranty was nominated for the Editor’s Choice Award for 2018 and 2019
  • One of the few companies that offer coverage for roof repair
  • The waiting period of the policy is 30 Days
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They are one of the few companies to offer roof repair coverage at an affordable price.

Offer(s) Available:

offer-img FIRST MONTH FREE + LIMITED ROOF COVERAGE

PRICING

$46-$55 monthly

SERVICE FEE

$60-$85

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American Home Shield (AHS)

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  • American Home Shield founded the home warranty industry in 1971
  • Contractor network of 15,000 licensed professionals
  • The waiting period of the policy is 30 Days
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They let you pick and choose particular items you want to protect and Build-Your-Own Plan.

PRICING

$39 - $70

SERVICE FEE

$75 - $125

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ServicePlus Home Warranty

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  • Affordable and comprehensive home warranty protection
  • All the authorized contractors and service technicians are licensed and insured
  • The waiting period of the policy is 30 Days
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The company offers exciting discounts and budget protection.

Offer(s) Available:

offer-img GET $200 OFF + 2 MONTHS FREE + ROOF COVERAGE

PRICING

$53-$60 monthly

SERVICE FEE

$75

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The Home Service Club

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  • The Home Service Club is a rare exception in the industry that has a service recall period of 90 Days
  • Four-time winner of the Annual Home Warranty Awards
  • The waiting period of the policy is 30 Days
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At times, they cut down the waiting period to a mere 10 days and begin protecting your devices.

PRICING

$51-$63 monthly

SERVICE FEE

$65-$125

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America's Preferred Home Warranty (APHW)

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  • APHW provides services in 49 states
  • APHW is one of the very few companies that allow you to choose your own contractor
  • The waiting period of the policy is 30 Days
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They let you pick the premium and deductible amounts in your policy and pay as you like.

PRICING

$39 - $47

SERVICE FEE

$50 - $125

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Select Home Warranty

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  • Select Home Warranty is the only top-rated company that provides coverage for mobile homes
  • Winner of the Annual Home Warranty Awards consecutively for the past 3 years
  • The waiting period of the policy is 30 Days
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They are the only company that covers mobile homes.

Offer(s) Available:

offer-img GET $150 OFF + 2 MONTHS FREE + FREE ROOF COVERAGE

PRICING

$57-$62

SERVICE FEE

$45-$100

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Cinch Home Services

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  • Cinch Home Services has 40 years of experience in the home warranty industry.
  • Have a network of 18,000 licensed contractors
  • The waiting period of the policy is 30 days.
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They offer protection from unknown pre-existing conditions.

PRICING

$420-$744

SERVICE FEE

$75-$150

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First American Home Warranty

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  • Won the Editor’s Choice award in 2017 and has been consistently nominated for the Annual Home Warranty Awards
  • First American Home Warranty saved homeowners over 180 million in 2018
  • The waiting period of the policy is 30 Days
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The company offers you limitless service call claims so that you get the value for your money.

PRICING

$336-$534+

SERVICE FEE

$85

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Home Warranty of America

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  • Home Warranty Of America offers 13-Month home warranty plans that are of great value
  • Policy has no waiting period
  • Been in the industry since 1996
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The company offers you a 13-month home warranty plan that provides exceptional coverage options.

PRICING

$275 - $695

SERVICE FEE

$75 - $100

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Complete Appliance Protection

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  • One of very few companies to not charge deductible/service fees
  • Live support available 24/7
  • Over 40,000 customers served across the country
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No exclusion for pre-existing conditions.

PRICING

$380 - $720

SERVICE FEE

N/A

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Important Tips On Buying A Home Warranty In Florida

  1. Always assess which major systems and appliances require coverage. Only after you have decided should you search for a home warranty plan that meets your criteria.
  2. Buy home warranty coverage only for major appliances and systems that are old and past the expiration date of the manufacturer’s warranty. Investing your money to protect new appliances does not make much sense, as the chances of these services breaking down are minimal.
  3. Read the terms and conditions, and the exclusion list, of the respective companies’ service contracts, before investing in a home warranty plan of your choice.
  4. If one of your heavily-relied-upon appliances breaks down on a Friday night, you would have to put up with the inconvenience till Monday morning. So, choose a home warranty company that works on weekends and get your appliances repaired or replaced at the earliest.
  5. The best home warranty companies in Florida 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.
  6. 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.
  7. Florida has many places like Key West, Miami, Miami Beach, Southwest Ranches, Aventura, etc., where it is expensive to live. Suppose you want to save a considerable amount of money when residing in these areas. In that case, it is best to protect yourself from the financial burden of repairs and replacements with affordable home warranty coverage.
  8. If you have a spa, well, swimming pool, or a septic system, look for a home warranty that covers these aspects as well.

A Glimpse At Average Premium In Florida

The average premium paid by home warranty users in Florida is around $317.23, while the average deductible is estimated to be $40.73. The X-axis on the graph depicts the premium price, and the Y-axis the number of homeowners.

Average Premium In florida

Min Average Premium in florida Max $ 312.23 No. of Homeowners
Range for Homeowners who have opted for Average Premiums & Deductibles, locally.

Coverage in florida (FL) major towns:

Cape Coral Fort Lauderdale Hialeah
Jacksonville Miami Orlando
St Petersburg Tallahassee Tampa

Population : 18,801,226

Don't Let Unexpected Appliance Failures Break You!

Best Home Warranty Plans In The State Of Florida

Here is a list of some of the best home warranty plans available in the state. Homeowners can learn more about the coverage plans of various home warranty companies in the section below and pick the one that suits them the most. Each home warranty company differs from the other regarding the contracts, cost, customer service, etc.

American Home Shield (AHS) has 50 years of experience in the home warranty industry and has serviced almost 1.7 million customers. They offer ShieldSilver, ShieldGold, ShieldPlatinum, Electronics. The monthly premiums range from $39.99-$64.99, and deductibles charged are about $75-$125.

The Home Service Club caters to homeowners in Florida. Their motto is to provide the highest level of customer satisfaction and service. The plans available are Standard Coverage, Comprehensive Coverage to merge various add-on devices to any of the plans.

Select Home Warranty has come up with plans according to the kinds of home appliances to be protected and the extent of coverage. They include Gold Care, Platinum Care, and Bronze Care, with Platinum Care being the most comprehensive one. Also, each plan comes with free roof coverage included.

We recommend HSC as the company’s Comprehensive coverage option secures several essential devices. However, choose a warranty provider that best suits your requirements and budget.

Florida Weather Conditions And Impact On Household Items

Florida experiences warm temperatures throughout the year. The heat can cause stress on the internal components of systems and appliances. Not to mention the fact that a hot environment can be harsh on your cooling appliances too. However, during winter, temperatures do drop a little lower. It implies that your HVAC and water heating system should be in top condition during the frosty season.

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. Choice Home Warranty and American Home Shield offer protection for your Air conditioners, refrigerators, water heaters, HVAC, and more. All you need to do is opt for a free quote from your favorite so that your devices remain protected.

Frequently Asked Questions

Does Choice Home Warranty cover Florida?

Yes, Choice Home Warranty does offer services in Florida. The options available in the state are the Total Plan, Basic Plan, and Optional Coverage. It is crucial that you 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, it is up to you to find the perfect home warranty provider. To do so, reading other customers reviewing and speaking to close acquaintances about their experiences with warranty providers can be a real boon.

Who regulates home warranty companies in Florida?

The Florida Office of Insurance Regulation oversees home warranty rules and regulations in the state. 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 properties such as 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 you anywhere between $300-$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 between $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 this period of 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 for the 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, and if it cannot get repaired, it might be replaced. 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.

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, electricals, and concrete floor. Make sure that the builders’ warranty is included in your contract when purchasing your new home.

Do I need a home warranty if I have homeowners insurance?

Both home insurance and home warranties offer protection to your home albeit 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 the services of both services can definitely give your home comprehensive coverage. However, if you are still unsure about the difference between the two and whether you need them both, reading our home warranty vs home insurance guide may help.

Florida Home Warranty Companies Reviews

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Olga, Naples

On Apr 11, 2022

American Home Shield (AHS)

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Good job?But the parts took a while to get here. Thank you

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Alejandro, Tampa

On Apr 07, 2022

American Home Shield (AHS)

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I was very happy with the technicians service. He was professional and punctual! I\'m bappy he was able to resolve my refrigerator issue. I must say, having this home warranty really comes in handy.

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Steven Grable, Titusville

On Apr 07, 2022

American Home Shield (AHS)

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Our C****** A/C needed a part that was not available. American Home Shield had a brand new C****** A/C unit installed. We were elated and it was installed very quickly. I would highly recommend American Home Shield.

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Larry Karlin , Winter Haven

On Apr 06, 2022

American Home Shield (AHS)

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AHS uses very good service providers. They arrive when they say they will be there . The plumber resolved the issue and recommended a solution. When the work was performed it works fine. I had installed a toilet that would not flush. AHS sent a plumber and he ran a snake through the sewer line. Worked a time or two poorly. We had to travel for two weeks. When returned home toilet still wouldn’t flush. Called AHS and requested that they send a repairmen with longer snake. While he was here, he said line wasn’t blocked, the shower flour was dry. He suggested that the toilet we had manufacture flaw. Installed a replacement toilet. Works great.

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Georgia Resch, Port Orange

On Apr 06, 2022

American Home Shield (AHS)

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Everything was great. Filing a request for repair online was perfect. Appointment was made and confirmed for next day repair. Garage Door Repair Company and technician were great. 5Star Tech…

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Josie, Melbourne

On Apr 05, 2022

American Home Shield (AHS)

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We used AHS recently for our air conditioner system that was not working. AHS responded immediately and was able to set up service for us promptly. The company that came was courteous, punctual and very professional. I would recommend family , friends and others to use them.

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Mena, Hollywood

On Apr 04, 2022

American Home Shield (AHS)

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I put in my servive request and I was called within 2 hours to schedule an appointment with the plumber. He came by on the date and time slot scheduled and he fixed my toilet.

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Steve Silva, Fort Pierce

On Apr 02, 2022

American Home Shield (AHS)

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He arrived earlier than we expected and had it fixed within 15 minutes. We are very pleased with the results. We would highly recommend C**** from C** D* s*******. Thank you C** D* S*******. My pump is running better than ever.

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E D, Deerfield Beach

On Mar 31, 2022

American Home Shield (AHS)

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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.

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Wally Roth, Punta Gorda

On Mar 30, 2022

American Home Shield (AHS)

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Unbelievably simple. Repairman appraised the refrigerator as unrepairable in the morning. American Home Shield sent an email in the early afternoon outlining the ways to replace the refrigerator, the amount they would pay, and how to get reimbursed. A new refrigerator was delivered 3 days later. Thank you American Home Shield.

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Michael D Moran, Gulf Breeze

On Mar 30, 2022

American Home Shield (AHS)

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My oven has been out since 14 Jan and although the AHS web-site says complete, it is not complete. They are unable to repair and can not get a proper replacement.

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Kathryn, Lakeland

On Mar 28, 2022

American Home Shield (AHS)

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I have been very happy with the timely response from Home shield. I got a bad diagnosis with the first evaluation. Home shield helped me get a second opinion just as quickly. Second opinion was more knowledgeable and professional.

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Regina Shaw, Bartow

On Mar 28, 2022

American Home Shield (AHS)

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Received a quick appointment. The gentleman that serviced my unit was kind and professional. I would recommend home owners to obtain American Home Shield. I am happy that I have this service.

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Lisa Monroe, Hudson

On Mar 22, 2022

American Home Shield (AHS)

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Technician R***** came out and completely gave me a rundown of the issues with my AC completed the necessary repairs thank you so much R***** for your patience and job well done if I need any more repairs I definitely I would request you

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Nancy , Fort Myers

On Mar 22, 2022

American Home Shield (AHS)

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I submit my request on Sunday and was contacted Monday and service was scheduled for Tuesday. The technician showed up on time and quickly resolved the issue with our A/C.

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Kevin Lohmeyer, Orlando

On Mar 14, 2022

American Home Shield (AHS)

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It’s been great for my rental, but I have had a claim for the stove in my house since Christmas with no resolution. Everytime I get the run around that this has been “escalated”.

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Patricia Brown, Punta Gorda

On Mar 14, 2022

American Home Shield (AHS)

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Had AHS for 8 years now and never had a problem until now. Been trying to get my dishwasher fixed for over a month and keep getting the runaround. The vendor they sent to fix it tried replacing a part but it still isn\'t working correctly. A recall of the repair involved the vendor cancelling the order and requesting a "second opinion". My efforts to get this resolved have just frustrated me. Customer service involves talking with folks whose first language is not English who are just reading a script. They keep telling me that they need the vendor to explain why he wants a second opinion but the vendor has stopped answering the phone or emails! I keep getting told "someone from a higher department will call you back in 24 to 48 hours". Well, that has never happened. If I hadn't already paid them hundreds of dollars for the service, I would cancel now. This is just horrendous. Would not recommend them to anyone.

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Dan Mueller , Davenport

On Mar 13, 2022

American Home Shield (AHS)

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Service performed well and appliance is working again. I am glad I have have shield to help cover when items around the house fall to work properly. The service company did an efficient and quality repair on my appliance.

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Stevan Szentadorjany, Lynn Haven

On Mar 11, 2022

American Home Shield (AHS)

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Just so professional and easy to get things resolved. Every time I used the service it's so easy, he person they send is professional and resolves my problem. The best part is it's always covered in the warranty

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Rae Lynne, Boca Raton

On Feb 24, 2022

American Home Shield (AHS)

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I was very skeptical when I signed up. So far so good. One time you came out couldn’t fix it but thank goodness on my side it was not broken! Washing machine has about 1000 pounds on top so it doesn’t walk away but it’s doing my laundry lbeautifully! Last visit was fixing my air conditioning and I was very impressed. Not looking forward to breakdowns but looking forward to calling you when I have them. Thank you very much for your integrity

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George , Windermere

On Feb 23, 2022

American Home Shield (AHS)

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I have had American Home Shield for several years, they have provided prompt and courteous responses providing reliable services. The have met my expectations for the majority of my service requests.

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Bruce , New Port Richey

On Feb 22, 2022

American Home Shield (AHS)

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We have used AHS several times over the many years we have had them - a super company good with service and the companies they contract with to perform the work on the house - I have recommend them to my friends

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Dubitsky, Sarasota

On Feb 22, 2022

American Home Shield (AHS)

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Service responds immediately. Scheduled actual service/repair within 2 days. Polite, professional & pleasant repair-person solved situation and actually showed me how to reset, etc for future. Thank you! Most satisfied

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Viola, Green Cove Springs

On Feb 19, 2022

American Home Shield (AHS)

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M*** B***** from A****** worked with me and my realtor. He was timely, professional, efficient and got the work done. He gave details and let us know what is going on. Great work!

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Nancy, Estero

On Feb 18, 2022

American Home Shield (AHS)

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I have not had response from American Home Shield on electrical issue since company came to look over situation on Tuesday, February 15, 2022. I have not other comment until I know what American Home Shield will do to help me.

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