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last_updated_icon Last updated: June 25, 2022

Best Home Warranty Companies In Florida

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

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

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ServicePlus Home Warranty

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

Top-rated Home Warranties In Florida

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Choice Home Warranty

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

Offer(s) Available:

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PRICING

$46-$55 monthly

SERVICE FEE

$60-$85

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American Home Shield (AHS)

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

PRICING

$39 - $70

SERVICE FEE

$75 - $125

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The Home Service Club

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

PRICING

$51-$63 monthly

SERVICE FEE

$65-$125

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ServicePlus Home Warranty

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

Offer(s) Available:

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PRICING

$53-$60 monthly

SERVICE FEE

$75

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America's Preferred Home Warranty (APHW)

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

PRICING

$39 - $47

SERVICE FEE

$50 - $125

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Select Home Warranty

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

Offer(s) Available:

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

PRICING

$57-$62

SERVICE FEE

$45-$100

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Cinch Home Services

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

PRICING

$420-$744

SERVICE FEE

$75-$150

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First American Home Warranty

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

PRICING

$336-$534+

SERVICE FEE

$85

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Home Warranty of America

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

PRICING

$275 - $695

SERVICE FEE

$75 - $100

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Complete Appliance Protection

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

PRICING

$380 - $720

SERVICE FEE

N/A

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Important Tips On Buying A Home Warranty In Florida

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

A Glimpse At Average Premium In Florida

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

Average Premium In florida

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

Coverage in florida (FL) major towns:

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

Population : 18,801,226

Don't Let Unexpected Appliance Failures Break You!

Best Home Warranty Plans In The State Of Florida

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

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

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

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

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

Florida Weather Conditions And Impact On Household Items

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

To protect your device from normal wear and tear in the warm and cold weather, investing in the perfect home warranty company is your best bet. Choice Home Warranty and American Home Shield offer protection for your Air conditioners, refrigerators, water heaters, HVAC, and more. All you need to do is opt for a free quote from your favorite so that your devices remain protected.

Frequently Asked Questions

Does Choice Home Warranty cover Florida?

Yes, Choice Home Warranty does offer services in Florida. The options available in the state are the Total Plan, Basic Plan, and Optional Coverage. It is crucial that you thoroughly research all the plans before opting for a pick. You can also read our Choice Home Warranty review to know more about the company’s offerings.

Which is the best home warranty company in Florida?

There are several top home warranty companies offering services in the state. However, picking the best company can be subjective and depends on customers’ requirements. According to the several customer reviews received on homewarrantyreviews.com, Choice Home Warranty and American Home Shield top the list.

However, it is up to you to find the perfect home warranty provider. To do so, reading other customers reviewing and speaking to close acquaintances about their experiences with warranty providers can be a real boon.

Who regulates home warranty companies in Florida?

The Florida Office of Insurance Regulation oversees home warranty rules and regulations in the state. If you have any queries, you can reach the office by dialing (850) 413-3153. The office aims to ensure that customer protection remains at the forefront of all insurance-related activities in the state.

What types of properties should have a home warranty in Florida?

Floridians residing in properties such as townhouses, single-family properties, multi-family units, and modular homes can consider opting for home warranties. Carefully assess the company's replacement costs, plans, customer service, and policies before finalizing the perfect option.

How much is a home warranty in Florida?

Home warranties in the state can cost you anywhere between $300-$750 annually. If you opt for a monthly plan, you can expect the cost to vary between $40 and $60. You will also be required to pay a service call fee each time you file a claim for a malfunctioning device. This amount varies between $35-$75. The investment will reduce the chances of unexpected expenses creeping up later.

Who usually pays for home warranty buyer or seller?

In most instances, the home seller will pay for home warranty coverage for one year. But, after this period of twelve months, it is up to the new homebuyer to opt for an extended warranty, if interested. The home buyer and seller must agree beforehand regarding who will pay for the policy.

It is for the best if the seller and buyer are transparent on every detail. At times the concerned realtor can also play a key role in helping both parties understand the process.

Will a home warranty replace an old HVAC?

Whether the HVAC will get replaced depends on the home warranty provider’s policy. The contractor will inspect the device, and if it cannot get repaired, it might be replaced. You should also understand that it may not be covered under the contract if the old HVAC comes with pre-existing conditions. However, some warranty providers do offer coverage for items with pre-existing conditions.

Do builders offer home warranties?

Builders do not offer home warranties in most instances. However, they offer a builders warranty for the new home. This warranty covers plumbing, electricals, and concrete floor. Make sure that the builders’ warranty is included in your contract when purchasing your new home.

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

Both home insurance and home warranties offer protection to your home albeit in different ways. So opting for a home warranty contract with a homeowners insurance policy is not a bad idea. Home insurance typically covers damage caused by accidents, calamities, and other unexpected occurrences, whereas home warranties only cover damage brought about by normal wear and tear.

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

Florida Home Warranty Companies Reviews

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Dawn Robertson, Winter Haven

On Jun 16, 2022

American Home Shield (AHS)

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Overall a great experience. Our air conditioner went out on Monday. The repairman was scheduled for Friday. The delay was rough when it was so hot, but our air conditioner is now fixed and running as it should!

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Tonya Mathis, Pensacola

On Jun 14, 2022

American Home Shield (AHS)

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Very happy with the service I received from American Home Shield and the contractor that worked on my dryer. The contractor was prompt and friendly. And it was fixed that day.

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Lisa asher, Spring Hill

On Jun 02, 2022

American Home Shield (AHS)

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Great service by plumbing company that came for our broken garbage disposal he was super prompt and courteous!!!! Would recommend this company for citrus calls! Wish he would have left his card for future plumbing!

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Shirley Wilson, Tallahassee

On Jun 02, 2022

American Home Shield (AHS)

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After 5 weeks and a few phone calls, I can FINALLY give a review. New refrigerator installed today. Happy with purchase. AHS was slow in the beginning to resolve my problem. No parts available for older refrigerator. (13 years old) AHS AGREED TO REPLACE. Had to make 3 phone calls to get information and know when money for replacement would arrive. Felt like, I always had to make a phone call to get results. Two reps. said they would call me back with status update. Gave them ample time, before I had to call. The problem was never being able to deal with one rep. Always transferred to another rep.

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Amid , Orlando

On May 31, 2022

American Home Shield (AHS)

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All services received by AHS have been excellent, except for the fridge which five technicians had come and none of them could solve the problem. The other services like air conditioning unit, dryer were done quickly and well done.

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Michele Ford, Cantonment

On May 29, 2022

Lowe's Appliance Extended Warranty

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I have been trying to call Lowes extended warranty to schedule a repair for my refrigerator. No luck, , recording says high volume call time, longest wait on phone was 45 minutes & no luck. Went into Lowes, talked with appliance person, entered all my info into computer. She said someone would call within 48 hours, that was 2 weeks ago. Very frustrated.

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v Faggart, Brooksville

On May 27, 2022

American Home Shield (AHS)

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After a glowing recommendation I signed up for 3 contracts on our homes. Service call 1: AC wasn\'t working. The contractor sent by AHS walked in 1st comment: They (AHS) don\'t replace; they will always repair and repair. He provided an estimate for a $9400 replacement. OK-it needs replacement? Yes, but I explain all the time that it won\'t be replaced just continued to be repaired. 2nd visit,10 days later, still HOT: another test, an explanation that system leaking, needs coolant 100lbs and AHS only pays $10/lb. Question: why put in $1000 worth of coolant that will only leak out???Plus we take bad part to our shop (50 miles away) to repair. OK sounds like we'll still be HOT. Phone call from contractor's office: Hey Hon, what do you want to do with that AC? Most people don't want to put money into an old unit. They will only repair and you'll spend a lot of time being HOT. Decided to cancel; third call it's almost impossible- do I want cash ($750 for a quote of $9400), NO. Can they give me a credit. No I plan to cancel all three contracts. All this is to say this is only a good deal if what you're insuring ends up being totally and unquestionably DEAD and even then it will be a battle to prove that it won't resuscitate. STAY AWAY. It will only accept 1 star but ratings should include one for a rotten egg

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Rachel Carson, Hilliard

On May 26, 2022

American Home Shield (AHS)

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After 10 months of septic issues, and being told the policy covers replacement of a sewer ejector pump, my claim was denied. I called for the authorization, & when asked WHY the pump failed, the guy replacing the unit in the hot Florida sun, said, " I don\'t know! It could be the age of the pump, mechanical failure or even a lightning storm in the area! I don't know!". I was denied coverage because it MAY have been lightning! $850.00 out of pocket unexpectedly !! I attempted to talk with the conflict resolution team without success. I did not renew my policy. I now have a home warranty with the leading company for less yearly & a lower service fee. The vendors that AHS sent out for 10 months did not find the clear out valve or identify/resolve the issue. The idea of a home warranty is good, but the vendor repair person cannot find the issue, we had 10 months of sewage backup that could have been rectified.

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Pablo Cruz, Kissimmee

On May 26, 2022

American Home Shield (AHS)

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We have’d this insurance through two houses over the last eight years and are completely happy and satisfied with the coverage and their support. Even at the tine we had a minor discrepancy, they manage to come through and gave us what was needed at the time.

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Ralph Wike, Fort Lauderdale

On May 25, 2022

Cinch Home Services

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DO NOT BUY A home warranty from Cinch or Sears they will do everything possible to not honor their plans! We have been waiting for almost a year for repairs to our dishwasher & washing machine, since last July 2021, it is almost June 2020 now! Almost a full year! When I tried calling they have now made me play 3x for the same problems that I\'ve never been fixed claiming the previous repair claims were closed when they never came back to actually fix them! Their call centers barely speak English! Before purchasing any type of warranty through them try calling to make a claim & you’ll understand!

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Alina Gomez, Orlando

On May 25, 2022

American Home Shield (AHS)

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This is the second time I had to call three different issue but so far I am pleasantly surprised with the service once was for the HVAC, Problem solved this time was my garage door driving me crazy. Both service men were professional and I receive notification when they were on their way which helps. Definitely going to renew

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lori Peoples, Pensacola

On May 23, 2022

Lowe's Appliance Extended Warranty

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Im having the same issues with this extended warranty company.....A******* is the name of this provider, why dont we combine our complaints in a call to the Better Business B. ? That is what they are there for!

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Bob Pfeiffer , Rotonda West

On May 23, 2022

American Home Shield (AHS)

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Your repair was professional and honest and fully understands the importance of customer service . He informed me of the possible delay in parts and the options if parts were not available. It took a little over a week to get the part and get the microwave up and running again. Thank You!

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Hudson Smith, Saint Cloud

On May 20, 2022

American Home Shield (AHS)

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My washer was repaired with new parts but that did not fix the problem. American Home Shield immediately bought me a new washer. The replacement model is a step up from my previous model.

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Monthep Hongsyok, Lake Mary

On May 16, 2022

Lowe's Appliance Extended Warranty

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I had 2 incidents/claims with them. I filed the first claim for nearly two months and never get a reimbursement. When I try to file the second claim for my another appliance, I kept getting one of the following messages. - Due to unforeseen circumstance, we are now closed. Please call us again later” - Please call us again in the next business day This is a fraud to me! Unless they want to honor my claim, at least they should have a decency to refund the money I paid for protection plans. I will never buy any appliances from Lowes again. If any attorney interested in filing a lawsuit against them, count me in!

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Melissa Webb, Orlando

On May 13, 2022

American Home Shield (AHS)

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I pay $60 a month for this policy it’s great when I have an issue with my washer or dryer or refrigerator but my air-conditioning I had to pay $550 out of pocket on top of the hundred dollar fee you charge for a service person. This was for the Freon I suggest maybe you include at least 1 pound or 2 pounds of free Freon for customers because its very expensive and I live in Central Florida where it’s hot year-round. Other than that I think the policy an American home shield is an incredible company.

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RICHARD Carl DECKER, Palm Coast

On May 10, 2022

Lowe's Appliance Extended Warranty

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Filed claim for reimbursement for a part (refrig water filter) $18.05 online 3-24-2022. After no response called on 4-2 was sent email form to be filled out and told would receive email credit in 3 business days. Called 4-15 was told Lowes preloaded card would be mailed and will receive in 1-2 weeks. Called 5-10 and was told the claim would be escalated and should hear a reply in 1-2 business days. Probably the worst customer service we have received in decades. Don't even want to give them 1 star

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Aishah Abousamra, Jacksonville

On May 10, 2022

American Home Shield (AHS)

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There is no customer service to.speak of all I received were electronic communications. I would have like to have spoken with someone before. However, the response was prompt via text and the service contractor arrived and resolved the issue.

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Michael Flynn , Jacksonville

On May 07, 2022

American Home Shield (AHS)

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I put in a work request for a leaking garbage disposal. It was assigned to a plumbing company fairly quickly. I called the plumber and arranged an appointment. The plumber came out and said he was going to replace the garbage disposal. He was professional and cleaned up after himself after he was done.

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Diane Leker , Casselberry

On May 06, 2022

American Home Shield (AHS)

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My A/C went out completely. The service provider was quick to respond and set up an app. He was running late but called to let me know that he would be at my house even though it was late. He was cordial and professional, fixed my a/c explaining what the problem was. He really went above and beyond fixing the a/c after hours when he could have just changed the appt.to the next day, which has happened with others in the past.

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L Ricketts , Palm Coast

On May 04, 2022

Lowe's Appliance Extended Warranty

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Waiting on the phone to report the ice maker not making ice. It has been over 1hour and counting. Recording message said continue to hold and we are very important to them. Not event has option for call back numbers. I think I have been scammed into buying the extended warranty.

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AO, Homestead

On May 01, 2022

American Home Shield (AHS)

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I loved the fact that I was able to electronically log my request and have the repair company reach out to me directly. In the past, the experience dealing directly with AHS was horrendous.

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Carmen Estrella-Patrick, Wimauma

On Apr 29, 2022

American Home Shield (AHS)

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Great experience. Plumber came and fixed the problem when he said he would. My babies have hot water again . Will recommend and will use again, worth every penny. Try it

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Tom Rogers, Pensacola

On Apr 28, 2022

American Home Shield (AHS)

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Have had American Home Shield for over 10 years and the convenience of having this service is well worth the money! The most recent service for our garage refrigerator we very good, the only issue was getting the replacement part. This was no fault of AHS, but rather the supplier but fortunately it came in a few days and nothing was lost in the refrigerator.

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Richard Ingram, The Villages

On Apr 27, 2022

American Home Shield (AHS)

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All aspects perfect. Excellent tech timely accurate trouble shooting. Called at 8 fixed at 2. 30 min on site. Capacitor replaced on A C. Freon ck ed. Good to go

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