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.
ServicePlus Home Warranty |
Get $200 Off + 2 Months Free + Free Roof Coverage
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Top-Rated Home Warranties In Florida
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Choice Home Warranty |
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They are one of the few companies to offer roof repair coverage at an affordable price.
Offer(s) Available:
FIRST MONTH FREE + LIMITED ROOF COVERAGE
PRICING
$370 - $450
SERVICE FEE
$85
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Cinch Home Services |
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Get Free Coverage For First 2 Months *
Get your first two months free when you choose the monthly billing option on your purchase of a new annual Appliances, Built-in Systems or Complete Home Plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer. Not available in Iowa, Washington, Arizona, Massachusetts, Hawaii and Alaska
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They offer protection from unknown pre-existing conditions.
PRICING
$420-$744
SERVICE FEE
$75-$150
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American Home Shield (AHS) |
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They let you pick and choose particular items you want to protect and Build-Your-Own Plan.
PRICING
$299 - $500+
SERVICE FEE
$75, $100, $125
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ServicePlus Home Warranty |
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The company offers exciting discounts and budget protection.
Offer(s) Available:
GET $200 OFF + 2 MONTHS FREE + ROOF COVERAGE
PRICING
$500-$599
SERVICE FEE
$75
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The Home Service Club |
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At times, they cut down the waiting period to a mere 10 days and begin protecting your devices.
PRICING
$400
SERVICE FEE
$65, $95, $125
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America's Preferred Home Warranty (APHW) |
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They let you pick the premium and deductible amounts in your policy and pay as you like.
PRICING
$499
SERVICE FEE
$50, $100, or $125
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Select Home Warranty |
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They are the only company that covers mobile homes.
Offer(s) Available:
GET $150 OFF + 2 MONTHS FREE + FREE ROOF COVERAGE
PRICING
$299 - $499
SERVICE FEE
$60
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First American Home Warranty |
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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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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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No exclusion for pre-existing conditions.
PRICING
$380 - $720
SERVICE FEE
N/A
IMPORTANT TIPS ON BUYING A HOME WARRANTY IN FLORIDA
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
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.
How does the claims process work?
Filing home warranty claims is a simple procedure. If you notice a malfunctioning item, reach out to your home warranty provider. You can get in touch with the provider either via the phone or on the company site. When your claim gets approved, a trained technician will contact you to schedule an appointment.
Once the technician comes over, a thorough diagnosis will get conducted of the problematic device. Depending on its condition, it will either get repaired or replaced. You must also remember to pay the necessary service call fee when you file for your home warranty claim.
Failing to pay the service call fee can lead to the cancellation of the policy. Also, you must keep in mind to only file a claim when the device is giving trouble, as each time claims get filed, you will be charged.
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
Barney Brewer, Middleburg
On Dec 26, 2021
American Home Shield (AHS)
American Home Shield is the real-deal. We became a member of AHS just as we retired. We wanted to be protected from unexpected expenses. AHS has been the answer. One of the best decisions we made. When we needed to file a claim, the process was flawless. Kind and courteous customer service and fast response. AHS went right into action to resolve our problem. Would highly recommend.
Nancy McCullough, Mount Dora
On Dec 25, 2021
American Home Shield (AHS)
Excellent service. Technician came on time. Was extremely helpful and professional. Washing machine is running very well now. He had the replacement part I needed on the truck. No delay in waiting for a part.
Daniel Conger Hawkins, Punta Gorda
On Dec 16, 2021
American Home Shield (AHS)
Good experience all round. Easy to request service. Service company communicated well. Service provider was great; professional, courteous, and well prepared. All things considered, a good experience that reinforced our decision to sign up for the AHS plan.
Ann Coxey, Jacksonville
On Dec 15, 2021
American Home Shield (AHS)
The repair person actually had to schedule a 2nd appt. After he realized what was wrong, he had to order parts to fix the problems. The parts were delivered to our house. Excellent service. Came when they were scheduled. Fixed everything with the refrigerator. No other problems.
steven gross, Boca Raton
On Nov 08, 2021
American Home Shield (AHS)
I have recently purchased a home and with it American Home Shield--recommended by my realtor. What a terrific warranty. So far have had AHS out for two appliances...the customer service, professionalism, quickness of taking care of the problem, has been terrific. I have had other home warranties previously where it cost the same yearly price, but then service call was free but fixing the problem always cost...if that company agreed it was covered. So far AHS has done everything they said they would do. I highly recommend AHS-SG, B*** R****, F*
Diana West, Monticello
On Nov 04, 2021
Lowe's Appliance Extended Warranty
I have leaking problem with washer which in process of being. The inside of my door on my M***** washer is not being fixed even though I clearly has soap in side the door glass. Repairman refuses to order part he has never seen this problem before and therefore is cosmetic. I will wait for this to mold and call them back for service. The repairman clearly has mind block because he will not even examine the door. He also does not call before coming to residence
Monty Wilson, Valparaiso
On Oct 29, 2021
Lowe's Appliance Extended Warranty
Only reason for 2 stars is they honored the extended warranty 2 days past the date of sale since my refrigerator wasn\'t delivered until two weeks after purchase. Ice maker not working and service was scheduled for over two weeks later. Then two days before it was finally due the repair service called to tell me they no longer worked for Lowes. Called again - LONG wait. Finally Lowes called back and scheduled another repair service. This service never called to confirm so I called them and their number had been disconnected. Called Lowes again and after another long wait they scheduled yet another (3rd) service company. They have still not called to set up a date or confirm I'm even scheduled. Now at a month without the ice maker. Last extended warranty I'll ever buy!
John Jordan, Orange Park
On Oct 28, 2021
Lowe's Appliance Extended Warranty
Really a scam. You wait for three to four hours on the phone to get a person to help you, though they will call you back, so the wait is really not sitting on the phone the whole time. They send very incompetent low bidder people out to fix the appliance, and rarely get the job done right. Rather than fight it, most people end up calling someone that can actually fix it, which is what Lowe's is hoping you'll do. Too hard to fight them, so what option do you have? I've had my dishwasher broken for two months and one week, and still don't have it fixed.
Jody Fain, Tallahassee
On Oct 27, 2021
American Home Shield (AHS)
Was very satisfied with AHS my pool pump went out and they got someone right on the problem. Thank you AHS and C****** C*** P****. Great job in a timely manner.
J Four, Pensacola
On Oct 02, 2021
American Home Shield (AHS)
C**********, of H** and H** plumbing, did an awesome job, and very quickly. He identified the problem and fixed the toilet in a short amount of time. Great job.
charolette ann bauer, Pensacola
On Sep 24, 2021
American Home Shield (AHS)
we have had/kept AHS for 23 yrs. We have made very few calls for service in that period of time. When we have had to have service it almost always has cost us alot of out of pocket expense.The most recent of which was $800.That was not doable for a 76 yr. old woman on a low fixed income! Thank goodness my son came up with the money as it meant breathing for me.I have alot of breathing issuses.
LeRoy Father, Hollywood
On Sep 24, 2021
American Home Shield (AHS)
This is a super company that sent a super HVAC man to get my AC correct. They are punctual, serious, true to their word and on top of their game. I cant begin to say how much I appreciate J**** getting things done quickly and efficiently. He is a great guy that really knows what he is doing. This great AC repair experience will be remembered and truly appreciated.
Bradley Dye, Valrico
On Aug 27, 2021
American Home Shield (AHS)
Contractor misdiagnosed problem with ACSaid it was an electrical problem. Not true, it was a capacitor on the AC.I should get my $100.00 back! Seems as if they were too busy to fully diagnose. They were here less than 15 minutes.
Kathleen Olivieri, Kissimmee
On Aug 05, 2021
American Home Shield (AHS)
Our A.c. Went down in August, very bad time for an A.C. To go down. AHS found someone to fix it right away. It was on the weekend and they came out Tues. And fixed it in no time
Anthony Tozzi, Sarasota
On Aug 01, 2021
American Home Shield (AHS)
Very happy with the service.Plumbing issues were fixed and Hot Water Heater repaired.The crew that was sent were very professional and had all the equipment and supplies to do the job.
Terry Morrow, Cape Coral
On Jul 29, 2021
American Home Shield (AHS)
American Home Shield is not the company it once was. I have been without hot water since July 1 2021. I filed the claim on July 1. It is now July 29. At first they assigned a contractor who responded quickly and determined that my hot water heater needed replacing. Okay, my contract states that AHS will replace with a like item so I\'m thinking no problem, They will provide an 80 gallon heater to the vendor who will install. No problem. Couldn't be farther from the truth. The vendor heard nothing from AHS. I had to make numerous calls to determine that the issue was within AHS. One department not communicating with another. Long story short, multiple calls trying to coordinate on my own with AHS and the vendor brought no results. No less than three times I was promised a call back from AHS (one from a supposed customer service supervisor) and never heard back from AHS. To add to that AHS said that they don't carry 80 gallon water heaters so they would offer a "cash in lieu of" settlement. Finally received an email yesterday, July 28th stating that our choices were to have the contractor replace with a like item (already been down that road) or accept a cash in lieu off of $500. Well, $500 80 gallon water heaters do not exist. Not even close. So here I am almost a month later with a choice of taking a like item that does not exist or accepting an offer that won't even cover half the cost of the hot water heater, not to mention the cost of installment. This has been the worst customer experience ever! No follow up, no customer service, no resolution, and no hot water after a month of confusion on their part, issues within their own company, no communication between AHS and the vendor, and me trying to do THEIR job of getting this issue resolved. I cannot recommend American Home Shield in any way, shape or form. They do not honor their contract, they do not follow up, and they do not get issues resolved in anything that looks even remotely close to a timely manner. Save your self time and money and GO WITH A DIFFERENT COMPANY.
Michael Thomas, Geneva
On Jul 17, 2021
American Home Shield (AHS)
Worst experience ever encountered with a company. You are unresponsive, unprofessional, rude, and dishonest. We had our hot water tank go out a week ago and AHS sent a company out to fix it that was a joke. They did not know what they were doing and filled our home with propane so bad we had to exit the house for fear we would die. Then they took a hammer and started beating the tank… terrible service. They dod not fix it and came out a second time and was just as bad and did not fix it. Then they said they would order a part and told us it would be 10 days until it would be in. So we have two small children and no water for 2 weeks. I called AHS customer services and they were no help when i asked if they could send another company out that understood how to fix a propane hot water tank. They said no. I asked for my $75 fee refunded and i would just find another company to do the work so could solve the problem and not. They said no refund and that if we cancelled the request they would make us pay for the parts and penalty fees. Unbelievably rude too and belligerent with me. I am going to find another company to fix our hot water tank because AHS’s contractor may kill us all and i do not want them on my property again. What a nightmare experience and i will tell everyone i know never to do business with your company… so bad!
Joseph Watson, Fort Lauderdale
On Jul 09, 2021
American Home Shield (AHS)
We woke up in the middle of the night to a mid 80degree house. We contacted American home shield first thing in the morning and shortly after a technician notified of us of our 12-8pm window scheduled for the same day. He showed up at 2pm quickly and correctly diagnosed the problem and had our ac up and running with a new compressor in about 25-30 minutes. We are so happy we had AHS, we live in south Florida so ac going out in July is a nightmare that was resolved quickly!
FG, Holiday
On Jul 04, 2021
American Home Shield (AHS)
My latest experience was awful! The contractor never showed up to complete repair, however in the file it showed the repair was completed. It took me 6 calls to AHS to finally assign a new contractor. I tried to request a supervisor and every time I was read a script and given reasons why I would be able to speak with a supervisor. I was willing to stay on hold for any amount of time to get my needs met. I actually had 2 AHS reps to hang up on me. Once the new contractor was assigned after 6 days of advocating for a new one, they were here within 24 hours and the repair was made. However dealing with AHS reps should not have been so hard. I was talked to disrespectfully and with a condescending tone. I definitely didn’t feel that I was valued as a customer.
Tom Arevalos, Rockledge
On Jun 23, 2021
American Home Shield (AHS)
When I was contacted by the pool repair tech. I texted him a video of the pool motor and a picture of the data plate on Friday. Monday he showed up and replaced the motor in less <40 minutes. Hope all service techs are just like E***.
Keith Berger, Winter Garden
On Jun 17, 2021
American Home Shield (AHS)
Worst customer service ever. Tons of exclusions, buyer beware. Contractors are subpar. On numerous occasions I have to recall 2-3 times. Very exhausting to deal with them. Customer service and accounting is all offshore and they have no customer service skills nor know how to empathize with US based customer. They read scripts of exclusions not have any critical thinking skills.
James, Orange Park
On Jun 15, 2021
American Home Shield (AHS)
I have been with AHS since 2012 and hasn\'t had any major repairs to my property. I have to say I am so disappointed with having a clothes dryer waiting for a part since April 17, 2021. I have complained that to all the agents for the last 3 weeks and I got the run around. Now MJ appliances get the part and goes out and tell my property manager that the dryer is rewired and still haven't been fixed as of June 15, 2021. I have cancelled my account and they are the sad to have taken my money for all these years and I have to go out and buy a dryer. I can said I felt like I was robbed.
Zella Austin , Englewood
On Jun 11, 2021
American Home Shield (AHS)
I’m so pleased with myself that I signed up. Shortly after, my a/c quit working. Had been told by 2 others my a/c was too old - only course was new unit. AHS sent in their contractor - shout out to I******** A** - I had cold air in about 15 minutes. I was so relieved that they actually worked at saving what I had - not just install a new unit. I have great faith in any company AHS would use. This was one of the best things I’ve done for ME and my piece of mind. Thank you AHS!!!!
Ray Newkirk, Orlando
On May 14, 2021
American Home Shield (AHS)
We had a problem with our range and it is now like new. The service was First Class. The repairman was an expert with deep experience. He Knew what he was doing. And he was genuinely polite. They earned by five star rating. Ray Newkirk Orlando FL.
Valerie Wright, Port Saint Lucie
On May 05, 2021
American Home Shield (AHS)
Excellent service, very knowledgable. on time, knew immediately what was wrong with the thermostat and air conditioning . Would definitely call them again for any repair. They earned my support and high recommendation.