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Updated on September 19, 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

Choice Home Warranty
American Home Shield (AHS)
ServicePlus Home Warranty
Select Home Warranty
Liberty Home Guard
Cinch Home Services

ServicePlus Home Warranty

4.2 / 5

90-day service guarantee
Two comprehensive plans
Covers 46 states

$200 Off + 2 Months Free Coverage

Select Home Warranty

3.5 / 5

Multi-year plans
Same-day response on claims
B rating from BBB

$150 off + Free roof coverage + 2 months free

Choice Home Warranty

4 / 5

30-day labor guarantee
90-day parts guarantee
$3k dollar limits on each item

1^st 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.

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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

4.0/5

1^st 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

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

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

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

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

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.

Dishwasher
can cost to you
Up to $1000
Garbage disposal
can cost to you
Up to $400
Microwave
can cost to you
Up to $400
Furnace
can cost to you
Up to $5500
Cooktop/range
can cost to you
Up to $500
Refrigerator
can cost to you
Up to $1000
A/C Units
can cost to you
Up to $7000
Septic Tank
can cost to you
Up to $6000
Washer/Dryer
can cost to you
Up to $800
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.

Average Rainfall

53.7 inches/ Year

Average Sunlight

284 Sunny Days/ Year

General Climate Conditions

Hot Summers (Average – High)
Mild Winters

Tropical 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

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	View More
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

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.

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

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.