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Disclaimer

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.

Disclaimer

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.

Home  /   Us   /  florida
last_updated_date Updated on September 19, 2023
last_updated_date Updated on September 19, 2023
Best Home Warranty Companies In Florida 2023

Best Home Warranty Companies In Florida 2023

In Florida, the Sunshine State’s humid climate accelerates wear and tear on home systems and appliances. Appliance repairs are common, and extreme weather can drive up costs. A home warranty can save you from unexpected expenses, protecting your savings.
To help you make an informed decision, we’ve reviewed Florida’s best home warranty companies, considering their plans, coverage, pricing, and reliability. Discover the essential home warranty options for Floridian homeowners!

Our List of Top Home warranty companies in florida

  • 90-day service guarantee
  • Two comprehensive plans
  • Covers 46 states
$200 Off + 2 Months Free Coverage
  • Multi-year plans
  • Same-day response on claims
  • B rating from BBB
$150 off + Free roof coverage + 2 months free
  • 30-day labor guarantee
  • 90-day parts guarantee
  • $3k dollar limits on each item
1st month free + Free 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.

Comparison Of Top Home Warranty Companies In Florida 

The table provides a detailed view of the essential information about Florida's top home warranty companies. Information regarding plans, costs, coverage, customer service, and workmanship is provided to help homeowners make smart decisions.

comparision_img_1

Best Home Warranty Companies In Florida: Detailed Review 

In this section, you will find a detailed review of Florida's top home warranty companies, including their pros & cons, coverage, and cost. Let’s get started:

Choice Home Warranty:

  

(Provides Bonus Services )

Established in 2008, Choice Home Warranty extends its services all over the U.S. states except Washington. They have provided coverage to over 1.9 million households since its establishment and have handled over 6 million service requests. 

The company has impressive network coverage of over 25,000 contractors and a 24/7 helpline for its customers, making it easier to file a claim. Also, it offers added benefits like labor and parts guarantee and free roof leakage. 

Choice provides two plans for Floridians with coverage for major household systems and appliances: Basic Plan and Total Plan.

Pros

  • Offers free roof leak coverage
  • Provides extended coverage without extra fee for homes up to 5000 sq. ft.

Cons

  • Low coverage limit on the plans
four_star 4.0/5

1st Month Free
+
Free Roof Coverage

Premium

$46-$55

Sevice fee

$75 - $125

Limit

Upto $3K/item

Plans And Coverage:

CHW offers two simple plans for homeowners- Basic Plan and Total Plan- covering various household appliances and systems. 

  • The Basic Plan includes 14 essential home systems and appliances, which include a whirlpool bathtub, heating system, dishwasher, and more. 
  • The Total Plan includes everything from the Basic Plan and has four other important coverages: dryer, washer, refrigerator, and air conditioner. 

 

Covered Items

Budget Range

Suitable For

Roof Leak Coverage Limit

Overall Coverage Limit

Basic Plan

14 Low-Cost Homeowners looking for an affordable plan with limited coverage $500 $3000 per contract term

Total Plan

18 Moderately Expensive Homeowners looking for comprehensive systems and appliance coverage. $500 $3000 per contract term

Let’s have a look at the exhaustive list of the included household items in each plan:

Items

Basic Plan

Total Plan

Ductwork
Built-in Microwave
Heating System
Plumbing System
Plumbing Stoppage
Electrical System
Water Heater
Dishwasher
Cooktop Oven/Range/Stove
Garbage Disposal
Built-in Microwave
Garage Door Opener
Ceiling & Exhaust Fans
Whirlpool Bathtub
Air Conditioning System
Refrigerator
Clothes Washer
Clothes Dryer

Add-ons

You can select different add-on options at an extra price. Here are the options

  • Pool / Spa
  • Limited Roof Leak
  • Additional Spa
  • Stand Alone Freezer
  • Central Vacuum
  • Second Refrigerator
  • Well Pump
  • Septic System
  • Sump Pump
  • Septic Tank Pumping
Plan Exclusions 

Here are the CHW exclusions:

  • Damages because of neglect, lack of maintenance, unforeseen circumstances, etc.,
  • Items with pre-existing conditions.

Tip: We recommend homeowners read the sample contract before signing up for the company’s plans. 

Cost 

Choice Home Warranty has an affordable plan pricing for its customers compared to its competition. 

The Basic Plan’s pricing costs $46 monthly and $530 annually, while the Total Plan’s is $55 monthly and $630 yearly. The Total Plan cost is lower than the average industry cost of an exhaustive plan, making it one of the best options for customers. 

Their deductible ranges from $75-$150. The company provides a free month of coverage and roof coverage at no additional cost when you pay. 

Plans

Monthly

Yearly

Basic Plan

$46

$530

Total Plan

$55

$630

Deductible

$75-$150

Editorial Take On Choice Home Warranty 

CHW provides two plans for homeowners- Basic Plan and Total Plan. The plans are exhaustive and have fair pricing. The Basic Plan includes the essential household systems and appliances, while the Total Plan includes everything from the Basic Plan and a few additional items. 

Choice offers a generous coverage cap of $3,000 per item (apart from some items), more than the industry average. The company’s affordable and exhaustive plans have helped it build a name in the Florida home warranty industry. 

Different customer review platforms show that most Floridians are satisfied with the company’s plan and cost structure. This has helped them earn a rating of 3.5/5 for their plans and coverage. 

Customers have appreciated the company’s pre- and post-claim settlement services as the complaints can be filed digitally 24/7. Choice has a vast network of 25,000 contractors, making it easier for homeowners to get desired services at the earliest. 

The timely services, 24/7 availability, and workmanship have helped the company to earn 4/5 stars on our platform.

American Home Shield (AHS):

  

(The Industry Leader)

American Home Shield has been in the home warranty industry for 50+ years and has served over 2 million customers nationwide. AHS offers coverage for known and unknown pre-existing conditions without considering the age, model, or maintenance record.

AHS offers three plans to homeowners for different requirements: ShieldSilver, ShieldGold, and ShieldPlatinum. They have a coverage cap of $5,000 for systems and up to $ 4,000 on appliances, which are generous compared to the average coverage caps in the market.

Pros

  • Offers generous coverage limits
  • Provides an option to choose deductibles

Cons

  • Charges higher monthly cost on a lower deductible
four_star 4.0/5

Cashbacks + Amazon gift cards

Premium

$29 - $99

Sevice fee

$100 & $125

Limit

$4k-$5k

Plans and Coverage 

AHS offers three comprehensive plans: ShieldSilver, ShiledGold, and ShieldPlatinum, including household items. 

  • The ShieldSilver Plan includes coverage for a handful of essential household systems, which include the electrical system, plumbing system, and heating & cooling system. 
  • The ShieldGold includes everything from the ShieldSilver Plan and household appliances such as laundry and kitchen. 
  • The ShieldPlatinum Plan is an exhaustive plan that includes everything from the other two plans and other essential household items. 

Here’s a detailed breakdown of the included items: 

 

Covered Items

Budget Range

Suitable For

Appliances Coverage Limit

Systems Coverage Limit

ShieldSilver

14 Low-Cost Homeowners in search of systems coverage Not Covered $5,000

ShieldGold

23 Moderately Expensive Customers in search of systems coverage and minimum appliances coverage $2,000 Per Appliance Per Agreement Term $5,000

ShieldPlatinum

24 + bonus A/C Tune Up Service Expensive Customers looking for comprehensive systems and appliances coverage $4,000 Per Appliance Per Agreement Term $5,000

Here’s a detailed breakdown of the included items: 

Items

ShieldSilver

ShieldGold

ShieldPlatinum

Refrigerator  
Garage Door Opener
Water Heater
Wall Oven/Range/ Cooktop  
Air Conditioner
Doorbell & Chimes
Interior Electrical Lines
Faucets & Valves
Interior Plumbing Lines
Whirlpool Tub Motor & Components
Main Breaker & Fuse Panel Box
Built-In Exhaust, Vent & Attic Fans
Heating Unit
Washers
Dryers  
Dishwasher  
Built-In Microwave Oven  
Ceiling Fans
Garbage Disposal  
Ductwork  
Toilet
Instant Hot/Cold Water Dispenser  
Shingles, Tiles, And Shakes    
Flat (Non-Metal) Roofing    
Flashing    
Underlayment    
HVAC Tune-Up    
Unlimited A/C Refrigerant    
Coverage For Code Violations And Permits    
Roof Leak Repairs    

Add-ons

AHS offers the following items as optional coverage that you can purchase at an extra cost.

  • Pool or Spa        
  • Septic Pump       
  • Well pump         
  • Guest Unit           
  • Electronics Plan  
  • Roof Leak Repair
Plan Exclusions

According to the AHS contract, here are the plan exclusions:

  • Routine maintenance, exhaust lines, chimneys, and cosmetic damage,
  • Home management systems, fire sprinkler systems, radon monitoring systems,
  • Mold, bio-organic growth, rot, fungus, and pest damage.

Cost 

American Home Shield plans can go from $29 to $89 monthly. Their entry-level plan, ShieldSilver, starts at $29.99 among affordable entry-level plans. 

The ShieldGold plan starts from $49.99, while the ShieldPlatinum plan starts from $79.99, which is affordable compared to the industry standards. The company also provides $150 off with all the plans, making it even more affordable. However, the price of these plans varies as per the chosen service fee by the customer. 

AHS offers two deductible options to homeowners- $125 and $100. Here is a detailed pricing structure of the plans:

Deductible

ShieldSilver

ShieldGold

ShieldPlatinum

$125

$29.99

$49.99

$79.99

$100

$39.99

$59.99

$89.99

Editorial Take On AHS 

AHS offers three plans to Florida homeowners which cover the major household items. While ShieldSilver provides coverage for systems, ShieldGold and ShieldPlatinum provide exhaustive coverage for household systems and appliances. 

The company’s sample contract is easy to understand and provides all the details. Even though ShieldSilver is an entry-level plan, it includes 14 major systems at $29.99 monthly.

The ShieldPlatinum plan includes 24 major items at $79.99, which is costlier than the plans offered by other home warranties. However, the ShieldSilver is priced at $49.99 and includes 23 major household items. 

AHS has captured a bigger share of the Floridian market because of its customer-friendly services, ease of filing a claim, and professional services by licensed contractors. That is why we rate the company 4/5 for its service. 

Overall, American Home Shield has built a good reputation in the market as several Florida homeowners have given them a positive rating. The customers are happy because of the service quality and impeccable customer support. 

ServicePlus Home Warranty:

  

(Reasonable For Multi-Family Homes)

Formerly known as Total Home Protection, ServicePlus Home Warranty extends its services to over 46 states, including Florida. They offer homeowners pocket-friendly plans and a hotline that functions 24/7 for claim filing. 

Floridians looking for comprehensive coverage at affordable pricing and dedicated services can use this by signing up for their plans. The company offers two exclusive plans- Gold Plan and Platinum Plan. 

Pros

  • Offers 90-day service guarantee
  • Provides regular discounts on all the plans

Cons

  • No choice of contractor
fourhalf_star 4.2/5

$200 Off + 2 Months Free Coverage

Premium

$60-$67

Sevice fee

$75

Limit

$3k/item

Plans and Coverage 

ServicePlus offers two plans: Gold Plan and Platinum Plan. 

  • The Gold Plan is a combination of 15 crucial household systems and appliances, including a plumbing system, built-in microwave, garbage disposal, and more. 
  • The Platinum Plan is comprehensive and includes everything from the Gold Plan and additional systems and appliances. 

Here are the main details about the plan: 

  Covered Items Budget Range Suitable For Aggregate Coverage Limit
Gold Plan 15 Low-Cost Customers looking for basic systems and appliances coverage $1,500
Platinum Plan 20 Moderately Expensive Customers looking for extensive systems and appliances coverage $1,500

The comprehensive list of the covered items in ServicePlus is as follows:

Items 

Gold Plan

Platinum Plan

Plumbing System
Plumbing Stoppage
Whirlpool Bathtub
Water Heater
Oven/Range/Stove
Electrical System
Cooktop
Sump Pump
Dishwasher
Built-in Microwave
Garbage Disposal
Trash Compactor
Ductwork
Ceiling And Exhaust Fans
Garage Door Opener
Air Conditioning System 
Heating System
Refrigerator
Clothes Dryer
Clothes Washer

Add-ons

The following items are available at an additional cost:

  • Pool / Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Additional A/C System
  • Additional Heating System
  • Additional Water Heater
  • Additional Garage Door Opener
  • Additional Oven/Range/Stove
  • Additional Spa
Plan Exclusions

Here are the exclusions:

  • Items declared faulty by the Consumer Product Safety Commission
  • Missing components, bug or animal damage, mildew, mold, fungus, virus-related malfunctions
  • Damage because of natural calamities, lightning strikes, and Acts of God
  • Pre-existing conditions (known and unknown), cosmetic defects, rust, misuse, and sedimentary build-up

Cost

The company has competitive pricing in the market as Gold Plan costs around $43.25/ month and $419 annually. On the other hand, the Platinum Plan costs around $49.92 per month and $499 annually. Both of the plans have a deductible fee of $75 per visit. 

The price can vary depending on the chosen optional add-ons. However, they can even go lower if you get billed annually, as you can get two free months and an additional $200 off. 

Find the exact plan pricing below:

Plans

Cost (Monthly)

Cost (Yearly)

Gold Plan 

$43.25

$419

Platinum Plan

$49.92

$499

Deductible: $75

Editorial Take On ServicePlus Home Warranty 

ServicePlus Home Warranty provides two plans to Floridians: Gold Plan and Platinum Plan, which cost $43.25 per month, and $49.92 per month, respectively. 

While the Gold Plan includes 15 basic household items, the Platinum Plan provides more coverage and includes other items like A/C, washer, dryer, refrigerator, and heating. 

We have rated the company’s plan structure 3.5 out of 5. This rating is because the Gold Plan only includes basic household items, while the more expensive items are included in the Platinum Plan. 

The cost structure of ServicePlus Home Warranty gets 3.5/5 as the aggregate limit for each item is only $1500, which is quite low compared to the industry average. 

Lastly, ServicePlus makes it easy for customers to file a claim and complete the repairs quickly. Many customers have appreciated the professional technician network and promptness in fixing the problem. So, that is why we give the company a rating of 4/5 for its services. 

Select Home Warranty:

  

( The Budget-Friendly Option )

Established in 2012, Select Home Warranty is known for its affordable plans and round-the-clock support for its customers. The company offers 90-day protection for the repairs done, free roof coverage, and regular discounts. 

Pros

  • SEL has an extensive contractor network
  • Provides various discounts

Cons

  • Lower dollar limits for appliances
  • No payment for access
threehalf_star 3.5/5

$150 Off + Free Roof Coverage + 2 Months Free

Premium

$44 - $47

Sevice fee

$60-$75

Limit

$3k/Item

Plans and Coverage

Select Home Warranty offers three plans- Bronze Care, GoldCare, and PlatinumCare. They offer separate plans for home systems and appliances and a combined plan for both household items. 

  • Bronze Care includes major home appliances such as a cooktop, refrigerator, etc.
  • Gold Care includes major home systems suitable for homeowners searching for a systems-only plan as it includes items such as heating, plumbing, and electrical.
  • Platinum Care offers exhaustive coverage for home appliances and home systems, including household items from both plans. 

Find the plan features below

  Covered Items Budget Range Suitable For HVAC Coverage Limit  Appliances, Plumbing & Electrical (non-heating or cooling) Coverage Limit
Bronze Care 8 Low Cost Customers looking for just systems coverage $3,000 $500
Gold Care 6 Low Cost Customers looking for systems coverage and minimum appliances coverage $3,000 $500
Platinum Care 17 Moderately Expensive Customers looking for comprehensive systems and appliances coverage $3,000 $500

The table below highlights the items covered under the plans:

Items

Bronze Care

Gold Care

Platinum Care

Cooktop
Clothes Washer
Clothes Dryer
Dishwasher
Built-in Microwave Oven
Refrigerator
Garbage Disposal
Stove/Oven
AC/Cooling
Heating System
Water Heater
Electrical System
Ductwork
Plumbing System
Garage Door Opener
Ceiling Fans
Plumbing Stoppages

Add- ons: 

You can select any optional add-ons from below at a nominal price:

  • Central Vacuum
  • Lawn Sprinkler System
  • Pool
  • Roof Leak
  • Septic System
  • Spa
  • Stand Alone Freezer
  • Sump Pump
  • Well Pump
Plan Exclusions 

Here are some of the exclusions from their coverage: 

  • Failures because of abuse, rust, corrosion, improper installation
  • Known or unknown pre-existing conditions
  • All components or parts of any covered items like freon, lights, solar heating systems, etc.
  • Items that need repair or replacement because of Acts of Nature
  • Damages because of water, fire, and mold spores

Cost

Select Home Warranty’s Gold Care Plan and Bronze Care Plan start at $44.42, which is expensive for a basic plan as compared to the industry standards. Platinum Care is priced at $47.75 per month. 

However, the company offers regular discounts, which make their plans affordable to homeowners. The deductibles or service fees can range from $60 to $75. 

Plan

Cost (Monthly)

Cost (Yearly)

Gold Care

$44.42

$479.99

Bronze Care

$44.42

$479.99

Platinum Care

$47.75

$524.99

Deductible: $60-$75

Editorial Take On Select Home Warranty

Select’s Bronze and Gold Care offer coverage for 8 and 6 items at $44.42 per month. It is low in comparison with the competitors in the market. However, the company’s elaborative plan, Platinum Care, starts at $47.75 and includes 17 household items, which offers more value for money; as a result, we’ve rated their plans 3.5/5. 

The company provides a generous coverage cap of $3,000 for HVACs, per industry standards. However, there is only a $500 coverage cap for electrical systems, appliances, and plumbing work. So, keeping everything in mind, we have rated the company’s plan 3.5/5. 

Select post-claim services and ease in filing claims have helped them earn a 4/5 rating for their services on our platform. The 60-day guarantee on workmanship is something appreciated by the customers, along with the free roof coverage option with all of its plans. 

Liberty Home Guard:

  

(Best For Add-ons)

Starting its business in 2017, Liberty Home Guard has expanded in the market and offered its services to all U.S. states except Wisconsin. The company has a network of over 10,000 trained technicians and offers a workmanship guarantee of 60 days. LHS’s add-on list has over 43 items, which include pest control and second-hand refrigerators.

Liberty offers three plans to its customers: Systems Guard, Appliance Guard, and Total Home Guard. Along with offering varied coverage options in their plans, the company even provides 43 optional add-ons, amongst the highest in the industry. 

Pros

  • Offers a live chat option
  • Offers pest control as an add-on coverage

Cons

  • Low experience in the market
fourhalf_star 4.5/5

$200 Off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

Premium

$50-$60

Sevice fee

$90

Limit

$2k/Item

Plans and Coverage

Liberty Home Guard offers three plans: Systems Guard, Appliance Guard, and Total Home Guard 

  • The Systems Guard include six major household systems.
  • The Appliance Guard includes nine major household appliances. 
  • Total Home Guard includes both plans’ household appliances and systems. You can also choose optional add-ons from the list besides regular plans. 

As the company offers different systems and appliances and a collaborative plan for both, it makes it easier for homeowners to get the desired coverage. 

Here are the features of LHG’s three plans:

  Covered Items Budget Range Suitable For Coverage Limit For Plumbing, Electrical & Optional Coverage Overall Coverage Limit
Appliance Guard 9 Low-Cost Customers looking for coverage of appliances only $500 $2,000
Systems Guard 6 Moderately Expensive Customers looking for coverage of systems only $500 $2,000
Total Home Guard 15 Moderately Expensive Customers looking for a comprehensive coverage $500 $2,000

The table below shows the complete LHG’s coverage:

Items

Appliance Guard

Systems Guard

Total Home Guard

Dishwasher
Refrigerator
Ranges/Ovens/Cooktops
Clothes Washer
Clothes Dryer
Built-in Microwave 
Garbage Disposals
Ceiling and Exhaust Fans
Garage Door Openers
Air Conditioning
Heating
Plumbing
Electrical
Ductwork
Water Heaters

Add-ons 

You can choose from Liberty’s widest add-on options which can range anywhere between $4.20-$35.99 per month:

  • Pool and/or Spa Equipment
  • Septic System Pumping
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Stand Alone Freezer
  • Second Refrigerator
  • Limited Roof Leak
  • Water Softener
  • Re-Key
  • Additional Spa
  • Lighting Fixtures
  • Gutter Cleaning
  • Pest Control
  • Carpet Cleaning
  • Trash Compactor
  • Lawn Sprinkler System
  • Electronics Protection
  • Swamp Cooler
  • Ejector Pump
  • Ice Maker (In-Fridge)
  • Freestanding Ice Maker
  • Wine Cooler/Fridge
  • Salt Water Pool
  • Generator
  • Plumbing Fixtures
  • Grinder Pump
  • Water Dispenser Water Line
  • Instant Hot Water Dispenser
  • Reverse Osmosis Water Filter System
  • Pro-Series Refrigerator Coverage
  • Pro-Series Range/Oven/Cooktop Coverage
  • Pro-Series Dishwasher Coverage
  • Pro-Series Microwave
  • Pro-Series Washing Machine
  • Pro-Series Clothes Dryer
  • Window Washing/Cleaning
  • Casita Guest Unit
Plan Exclusions 

Liberty Home Guard’s annual dollar limits are restricted to $2,000 per item. The diagnosing, repairing, or replacing of all eligible items during this period will be covered up to this amount. Here are the other exclusions:

  • Electronic, computerized, or internet-based parts, remote receiving, or transmitting devices,
  • Vents, exhaust lines, chimneys, glass parts and components, cosmetic defects, any costs associated with refrigerant, and defects in manufacturing,
  • Accidents, fire, floods, water damage, electrical failure, Acts of God,
  • Known and unknown pre-existing conditions.

Cost 

Liberty’s System Guard is priced at $54.99 monthly and $549.99 annually, while the Appliance Guard is priced at $49.99 monthly and $499.99 annually. Their comprehensive plan, Total Home Guard, is priced at $59.99 monthly and $599.99 annually. However, the company offers 2 months extra if you pay the premium yearly, making plans quite affordable. 

The plan’s total cost can differ depending on the selected optional add-ons, which can range from $44 to $195. The company’s service fee is $90. Here is the exact pricing of the plans: 

Plans 

Cost (Monthly)

Cost (Yearly)

Appliance Guard 

$49.99

$499.99

Total Guard

$59.99

$599.99

Deductible: $90

Editorial Take On Liberty Home Guard

Liberty Home Guard offers three plans to the customers: Appliance Guard, Systems Guard, and Total Guard. It is perfect for customers looking for separate coverage for their appliances, systems, or even a combination of both systems and appliances. 

Their Appliances Guard plan starts at $49.99, which is high compared to the other company’s entry-level plan. Even the Systems Guard is priced high at $54.00 and covers only 6 household items, including A/C, heating, and plumbing. 

LHG’s Total Guard plan includes all the items from both plans and is priced at $59.99, only a few dollars more than the Systems Guard. So, it is the most affordable plan out of all plans provided by the company. As the plans are highly priced and the company offers limited coverage, we have rated them 3.5/5.

The company has a coverage cap of up to $2,000 for most household systems and appliances in their plans. However, this limit doesn’t include items like plumbing and electrical, for which a coverage cap is $500. As the company offers a limited coverage cap for the essential options, we have rated their cost-effectiveness 3.5 out of 5. 

Even though the plans and costs are a bit on the expensive side, the homeowners are happy with the company’s services. Homeowners’ reviews on different platforms show they are happy with the quality and prompt services. So, we give the company a rating of 4/5 for their services.

Cinch Home Services:

  

(Responses Within 2 Hours )

Cinch Home Services has over 40+ years of experience in the market and provides a 180-day workmanship guarantee, the highest in the industry. 

The company has a digital dashboard that is accessible to homeowners 24/7 and is currently serving nearly 1 million customers. They even offer a $25 credit that can be used towards an A/C unit or refrigerator filter. 

CHS provides 3 plans to homeowners with exhaustive coverage: Appliance Plan, Built-in Systems Plan, and Complete Home Plan. While the Appliance Plan covers 12 home appliances, built-in systems cover 16 home systems. The Built-in Plan is the most comprehensive and covers 28 household items. 

Pros

  • 180-day workmanship guarantee
  • Free water sensor for leak detection

Cons

  • Lower coverage limits
twohalf_star 2.9/5

$25 Credit For Filter Of A/C Or Refrigerator Unit

Premium

$38 - $66

Sevice fee

$100, $125, $150

Limit

$10,000

Plans and Coverage

There are three protection plans offered by Cinch Home Services- Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 

  • Appliance Plan includes 12 major appliances like dishwasher, freestanding ice maker, oven/range/cooktop, and more.
  • Built-in Systems Plan includes major home systems such as Air Conditioning and Ductwork, Water Sensors, Attic Fans, and more. 
  • The Complete Home Plan is a combination of both plans along with Homeowners Insurance Deductible Reimbursement. 

The main features of the plans are as follows:

 

Covered Items

Budget Range

Suitable For

Appliances Coverage Limit

A/C & Heating Units Coverage Limit

Water Heater Coverage Limit

Appliances Coverage

12 Low Cost Customers looking for extensive appliances coverage $2,000 - -

Built-In Systems Coverage

16 Low Cost Customers looking for extensive systems coverage - $1,500 $1,000

Complete Home Coverage

28 Moderately Expensive Customers looking for a comprehensive combo plan covering both systems and appliances $2,000 $1,500 $1,000

Here is a breakdown of the household items included in the company’s plans:

Items

Home Appliances Coverage

Built-In Systems Coverage

Complete Home Coverage

Clothes Dryers  

Clothes Washers  
Cooktops  
Dishwashers  
Food Centers (Built-In)  
Freestanding Ice Makers  
Microwaves (Built-In)  
Ranges  
Range Exhaust Hoods  
Refrigerators  
Trash Compactors (Built-In)  
Wall Ovens  
Air Conditioning, Including Ductwork  
Attic Fans  
Ceiling Fans  
Central Vacuums  
Doorbells  
Electrical System  
Garage Door Openers  
Garbage Disposals  
Heating System, Including Ductwork  
Instant Hot/Cold Water Dispenser  
Plumbing System  
Smoke Detectors  
Sump Pump  
Toilets  
Water Heater  
Whirlpool/Jetted Tub (Built-In)  

Add-ons: 

You can choose to go for the following optional add-ons at additional prices:

  • Pool (Heater Included) 
  • Spa (Heater Included) 
  • Pool with Spa (Heater Included)  
  • Septic Tank/Pumping  
  • Well Pump  
  • Premier Upgrade Package    
Coverage Limit & Exclusions 

Cinch has an aggregate limit for major repair and replacement for included home systems and appliances till $10,000. Here are the other coverage exclusions:

  • Damage because of pest, pet, flood, earthquake, acts of God, lightning strikes, power failure, or surge,
  • Flyers, chimney, venting, and exhaust lines, abuse, misuse, and neglect, 
  • Remediation due to cold, mildew, fungus, bacteria, virus, wet & dry rot, and excessive water pressure conditions.

Cost 

Cinch Home Services’ plans can range from $30.99 to $56.99 every month. They provide an option on the service fee, and your premium can vary depending on your choice. They are a good option for Floridians looking for separate plans for appliances and systems.  Here is a detailed cost breakdown of each plan.

Deductible 

Appliances Plan 

Built-in Systems Plan

Complete Home Plan

$150

$30.99

$35.99

$44.99

$125

$39.32

$44.32

$53.32

$100

$40.99

$47.99

$56.99

Editorial Take On Cinch Home Services

Cinch Home Services offers one of the most exhaustive plans in the industry. Even the company’s basic plan covers more than 10 household items. The CHS’s Appliance plan covers 12 appliances, and the Built-In Systems Plan includes 16 systems. 

Likewise, the Complete Home Plan combines both items, and the price starts at $44.99. This is among the most elaborated plans at an affordable price, which has fetched Cinch Home Warranty a rating of 4/5 for its cost structure. 

However, the coverage limit for appliances is $2,000, $1,500 for A/C units, and $1,000 for water heaters, which is low. That is why we have given the company a rating of 3/5 for its cost-effectiveness.

We have generally received mixed reviews about the company’s contractor services and claim approvals. There are complaints of delayed response from Cinch’s end, so we’ve provided the company with a rating of 3/5 for its services. 

Repair And Replacement Cost Of Various Appliances & Systems In Florida

In this section, we’ll take you through the average repair and replacement costs of some major systems and appliances that are frequently used.

  • Image

    Dishwasher

    can cost to you

    Up to $1000

  • Image

    Garbage disposal

    can cost to you

    Up to $400

  • Image

    Microwave

    can cost to you

    Up to $400

  • Image

    Furnace

    can cost to you

    Up to $5500

  • Image

    Cooktop/range

    can cost to you

    Up to $500

  • Image

    Refrigerator

    can cost to you

    Up to $1000

  • Image

    A/C Units

    can cost to you

    Up to $7000

  • Image

    Septic Tank

    can cost to you

    Up to $6000

  • Image

    Washer/Dryer

    can cost to you

    Up to $800

  • Image

    HVAC

    can cost to you

    Up to $6000

These are the average repair and replacement costs of various home items in Florida. The table shows that an average home must set aside at least $15,000-$17,000 per year as a maintenance budget. The alternative to this is getting a home warranty to protect your household at a fraction of the cost.

Why Should Flordiains Get A Home Warranty?

Apart from these harsh weather conditions, Florida has many places like Key West, Miami Beach, Southwest Ranches, Aventura, etc., where living is expensive. A home warranty protects your home items from wear and tear and your pocket from unforeseen repairs. 

AverageAverage Rainfall

53.7 inches/ Year

Average SunlightAverage Sunlight

284 Sunny Days/ Year

General Climate ConditionsGeneral Climate Conditions
  • Hot Summers (Average – High)
  • Mild Winters
Tropical CyclonesTropical Cyclones

June – October

The table below highlights the common issues faced by Floridians and how having a home warranty will fix them:

Conditions in Florida- Florida is known as the sunshine state and the daily temperature can range between 73℉ to 95℉

What Happens Because Of It?

  • More pressure on the HVAC systems
  • Overheated electrical components in the household items

What Can You Do About It?

  • Go for home warranties that offer exhaustive coverage for HVAC systems. A home warranty with lower limits or no HVAC coverage won’t benefit Floridians. 
  • There can be malfunctions in the different household items, which can get costly to repair. So, a home warranty will cover them and help you stay tension-free in such situations. 

Conditions in Florida -Average Rainfall of over 53.7 inches per annum

What Happens Because Of It?

  • Heavy rainfall can damage the major plumbing systems 
  • Rusting and corrosion issues on the rise 
  • There can be issues with the roof because of heavy rains

What Can You Do About It?

  • There can be clogging issues that can severely affect the household systems. Low-lying households should choose a home warranty offering generous plumbing system coverage.
  • Outdoor appliances are more prone to risk because of the heavy rainfall. Most home warranty plans cover household appliances such as garage door openers and lawnmowers as additional items. So, select a home warranty that offers coverage for major outdoor appliances.
  • As there are heavy rainfalls, roof damage is the most common problem faced by Floridians. A home warranty that covers the roof is ideal for Florida homeowners. 

Conditions in Florida -The average humidity in Florida is over 74% during the summer

What Happens Because Of It?

  • There can be problems with the major household items because of the 74% humidity.
  • High moisture can destroy the working of electronic devices like refrigerators, washing machines, microwaves, and others. 
  • Washers and dryers may become less efficient because of the humid and scorching heat.

What Can You Do About It?

  • Coastal cities like Key West and Miami are more humid than other cities. So, homeowners living in these locations should take extra care of their household appliances and systems. 
  • Floridians spend up to $1500 on appliances and system repairs. A home warranty can be helpful in this case and provide coverage for major household items, including microwaves, washing machines, and refrigerators. 
  • Excessive moisture can cause the washing machine and dryers to break down. So, it is a smart decision to include them in your home warranty coverage. 

Annual Cost Of Home Maintenance In Top Florida Cities 

Here is the table to find out the home maintenance costs in top Florida cities: 

annual_cost

Owning a home in Florida can be a dream come true, but you must remember that it comes with a substantial maintenance cost. According to the records, Florida’s average annual cost of homeownership maintenance is $16,097, much higher than the national average. 

Let’s look at the table below to understand better how much home maintenance costs in major Florida cities.

Miami, Florida

City Profile

Miami is the largest city in South Florida, with an estimated population of nearly 6 million. It has a GDP of over $344.9 billion, making it the third-richest city in the US. 

Weather Profile

The city experiences hot summers and comfortable and windy winters. The temperature can range from 50°F to 92°F. Miami even receives around 60 inches of rain annually, which makes the city one of the wettest. 

Economy Profile

Miami has an unemployment rate of 1.80%, which has certainly decreased over the years. The average weekly wage in the city right now is $1,042. The city is expensive, and the cost of living is 21% higher than the national average. Because of this, the hidden home costs, including home maintenance, can get as expensive as $10,000. 

Common Household Issues

Washing machines, microwaves, and HVACs are the most used appliances by Miami homeowners because of the weather. As the city is highly affected by rain and heat, there can be pressure on the external appliances and electrical systems. 

Significance Of Home Warranty

  • As Miami faces a sweltering summer and heavy rainfall, it can take a toll on household items. Also, the hidden homeowner costs can range up to over $10,000. 
  • As the minimum wage is only $7.25/hour, bearing such high maintenance costs can become difficult for many Miami households. 
  • Choosing a suitable home warranty plan within your budget will help Miami residents avoid unwanted repair and replacement costs. 

Jacksonville, Florida

City Profile

Jacksonville is the 14th largest city in the United States, with over 1.3 million residents. With a GDP of $101 billion, Jacksonville is one of the fastest-growing cities in the country. 

Weather Profile

Most parts of Jacksonville experience hot summers, short winters, and heavy rainfalls. Temperatures touch close to 90°F in summers, with over 64.5% humidity. It also receives rainfall of 52 inches per year. 

Economy Profile

Jacksonville has an unemployment rate of 2.3% as of April 2023. The average median household income is approximately $58,000 yearly. 

Even though living costs are 7% lower than the state average, the utilities are about 5% pricier. It explains the household expenditure of over $10,000 as hidden home costs.

Common Household Issues

Refrigerators, washers, microwaves, and even outdoor appliances can be constantly challenged by extreme weather conditions. 

Significance Of Home Warranty

  • Jacksonville has extreme climatic conditions, which can take a toll on homeownership, and the maintenance prices can rise to $10,000. 
  • With over $60,000 average income, sudden maintenance costs can be a nightmare for many homeowners. 
  • Choosing a well-suited home warranty plan as per your budget will reduce the unexpected financial risks for homeowners. 

St. Petersburg, Florida 

City Profile

St. Petersburg has a population of over 3.22 million people, which has constantly been growing. With a GDP of $145 billion, it is one of the nation’s fastest-growing cities.

Weather Profile

  • St. Petersburg has long, wet summers and cool, windy winters. The average temperature can vary from 56°F to 93°F, with an average humidity of 71.6%, which is severe.
  • The city also gets about 52 inches of rain annually, making one of the wettest cities. 

Economy Profile

  • St. Petersburg has an unemployment rate of 2.40%, a bit lower than the national average.
  • The employed residents earn $814 weekly, which can make the sudden home maintenance costs burn a hole in the pocket. The household expenditure on home maintenance cost is $12,000, one of the highest in Florida. 

Common Household Issues

As the city receives more than 50 inches of rainfall, outdoor appliances can be at risk. It can also get difficult for the plumbing systems to function. Not to forget the severe effect of heavy rainfall on the roof.

Significance Of Home Warranty

  • The extreme weather conditions in St. Petersburg can severely affect homes. Also, the household maintenance cost can go up to $12,000.
  • The average income of homeowners is $39,000 annually, which can make it difficult to bear the high maintenance cost. 
  • A suitable and affordable home warranty plan will reduce the financial burden on St. Petersburg’s homeowners. 

Orlando, Florida 

City Profile

Orlando is the 23rd largest metropolitan area in the United States. It has over two million residents and is growing fast, with an average of 138 people moving to the city per day. 

Weather Profile

Orlando experiences scorching summers and cold winters. Temperatures can reach 94°F, which makes the city humid. It is wetter than other cities in the US, as it gets an average of 51 inches of rain annually. 

Economy Profile

The average median household income in Orlando is approximately $58,000. The cost of living in Orlando is 4% higher than the state average and 5% higher than the national average, making it difficult for the lower middle class to survive. 

Even though the utilities are 7% less expensive, the housing costs are 11% more expensive than the national average. That is why it can get difficult for the residents to bear hefty home maintenance costs now and then. 

Common Household Issues

Extreme rain takes a toll on outdoor appliances and systems. Even the scorching summers can cause strain on the working of several appliances such as washing machines, microwaves, and HVAC units, and they might experience frequent breakdowns. 

The cost of hiring a technician for repairs can range from $150-$350, which can affect your savings. 

Significance Of Home Warranty

  • The cost of living in Orlando is 5% higher than the national average. The current home maintenance can cost homeowners around $8,000, which is expected to rise. 
  • Buying a home warranty with exhaustive coverage and affordable pricing will help to lessen the financial burdens. 

Compare Best Home Warranty Companies In Florida

Home Warranty Regulations In Florida 

As per section 634.303, Florida Statutes, all the companies that sell home warranties in Florida must have a license. The Florida Office of Insurance Regulation also handles home warranty companies in Florida. 

The department also educates homeowners to verify the home warranty service providers’ licenses. If the company fails to provide promised services, customers can file complaints with the Division of Consumer Services at www.MyFloridaCFO.com or by calling 850-413-3089.

Bottom line

Now that you know the companies in Florida, we encourage you to go through the company’s sample contract to understand better. Also, if you want further information about their pricing and inclusions, please source a free quote from their website.

FAQs

Do Home Warranties Cover Roofs?

Yes, a home warranty has limited roof coverage, as most home warranties provide it as an optional add-on. However, no home warranty company offers complete coverage replacement for the roof.

What Is The Cost Of A Home Warranty?

On average, a home warranty can range from $300 to $600 per year, and the deductible can be somewhere from $75-$125. 

Does A Home Warranty Cover Mold?

No, home warranties don’t cover mold as it doesn’t happen because of normal wear and tear and usually results from an undetected leak. 

Are Home Warranties Transferable In Florida?

The home warranty policies can differ for each plan, but some of the home warranties are transferable in Florida from one part to another. However, reading the company’s sample contract will give you a better picture of all the policies.

Who Is The Number 1 Home Warranty Company In The USA?

Different companies in the USA offer customer-friendly services. Still, after all the considerations, we can say that American Home Shield, Choice Home Warranty, and ServicePlus are the top choices for homeowners. They offer comprehensive plans to homeowners along with customer-friendly services.

How Much Is A Home Warranty In Florida?

An annual home warranty plan in Florida can range from $29 to $89, depending on the company, chosen optional add-ons, and more. The service fee can range from $65-$125 per visit.

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