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.
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.
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!
$200 Off + 2 Months Free Coverage
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$150 off + Free roof coverage + 2 months free
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1st month free + Free roof coverage
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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.
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.
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:
(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
Cons
CHW offers two simple plans for homeowners- Basic Plan and Total Plan- covering various household appliances and systems.
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 | ✓ |
You can select different add-on options at an extra price. Here are the options
Here are the CHW exclusions:
Tip: We recommend homeowners read the sample contract before signing up for the company’s plans.
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 |
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.
(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
Cons
AHS offers three comprehensive plans: ShieldSilver, ShiledGold, and ShieldPlatinum, including 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 | ✓ |
AHS offers the following items as optional coverage that you can purchase at an extra cost.
According to the AHS contract, here are the plan exclusions:
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 |
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.
(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
Cons
ServicePlus offers two plans: Gold Plan and Platinum Plan.
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 | ✓ |
The following items are available at an additional cost:
Here are the exclusions:
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 |
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.
( 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
Cons
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.
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 | ✓ |
You can select any optional add-ons from below at a nominal price:
Here are some of the exclusions from their coverage:
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 |
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.
(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
Cons
Liberty Home Guard offers three plans: Systems Guard, Appliance Guard, and Total Home Guard
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 | ✓ | ✓ |
You can choose from Liberty’s widest add-on options which can range anywhere between $4.20-$35.99 per month:
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:
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 |
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.
(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
Cons
There are three protection plans offered by Cinch Home Services- Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
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) | ✓ | ✓ |
You can choose to go for the following optional add-ons at additional prices:
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:
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 |
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.
In this section, we’ll take you through the average repair and replacement costs of some major systems and appliances that are frequently used.
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.
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.
53.7 inches/ Year
284 Sunny Days/ Year
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? |
|
What Can You Do About It? |
|
Conditions in Florida -Average Rainfall of over 53.7 inches per annum |
|
What Happens Because Of It? |
|
What Can You Do About It? |
|
Conditions in Florida -The average humidity in Florida is over 74% during the summer |
|
What Happens Because Of It? |
|
What Can You Do About It? |
|
Here is the table to find out the home maintenance costs in top Florida cities:
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 |
|
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 |
|
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 |
|
Economy Profile |
|
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 |
|
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 |
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Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
Choice Home Warranty | $46.83-$54.75 | B | Up to 48 hours | $75-$150 | |
American Home Shield (AHS) | $29.99-$89 | B+ | Up to 48 hours | $100, $125 | |
ServicePlus Home Warranty | $43.25-$49.92 | A | 48 hours | $75 | |
Select Home Warranty | $30.99-$56.99 | B+ | 12 - 48 hours | $60-$75 | |
Liberty Home Guard | $49.99-$59.99 | A+ | Up to 48 hours | $90 | |
Cinch Home Services | $44.42-$47.75 | B+ | Same day | $75-$100 | |
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.
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.
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.