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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:

offer-img FIRST MONTH FREE + LIMITED ROOF COVERAGE

PRICING

$46-$55 monthly

SERVICE FEE

$60-$85

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Liberty Home Guard

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  • The waiting period of the policy is 30 Days
  • Has a Quality of Repair rating of 4.2
  • Been in the industry since 2017
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PRICING

$480- $720

SERVICE FEE

$60

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2-10 Home Buyers Warranty

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  • 2-10 Home Warranty average deductible for a contract is $85
  • The waiting period of the policy is 30 Days
  • Participates in our Complaint Resolution Program
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They have a proven track record of paying 97.5% claims.

PRICING

$399-$549

SERVICE FEE

$85

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Old Republic Home Protection

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  • Old Republic Home Protection average deductible for a contract is $72.65
  • The waiting period of the policy is 30 Days
  • Has a Quality of Repair rating of 2.3
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Reputed company operating for over 20 years and offering budget plans

PRICING

$260-$500

SERVICE FEE

$55-$100

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Fidelity National Home Warranty

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  • Has a Quality of Repair rating of 2.5
  • Been in the industry since 1995
  • The waiting period of the policy is 30 Days
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They are among the few companies that offer roof leak coverage

PRICING

$350-$445

SERVICE FEE

$65

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BFS Home Warranty

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  • Policy has no waiting period
  • Has a Quality of Repair rating of 2.9
  • Been in the industry since 1973
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PRICING

$300-$700

SERVICE FEE

$55

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America's First Choice - AFC

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  • The waiting period of the policy is 30 Days
  • Has a Quality of Repair rating of 3.4
  • Been in the industry since 2009
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They offer four plans and a workmanship guarantee upto three years

PRICING

$440

SERVICE FEE

$60

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Service Line Warranties (SLW)

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  • The waiting period of the policy is In 30 Days
  • Has a Quality of Repair rating of 3.5
  • Been in the industry since 1996
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PRICING

$400

SERVICE FEE

N/A

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Total Protect

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  • Total Protect Home Warranty provides a 180-day workmanship guarantee for any covered repairs and replacements
  • The waiting period of the policy is 30 Days
  • Offers a coverage limit of $10K
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They offer coverage for pre-existing conditions & rust & corrosion.

PRICING

$491 - $1055

SERVICE FEE

$100

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Globe Home Warranty

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  • The waiting period of the policy is 30 Days
  • Has a Quality of Repair rating of 4.4
  • Been in the industry since 1994
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PRICING

$369 - $459

SERVICE FEE

$50

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American Residential Warranty

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  • American Residential Warranty average deductible for a contract is $54.26
  • The waiting period of the policy is 30 Days
  • Network of N/A service contractors
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PRICING

$402

SERVICE FEE

$50

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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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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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Amy fitzpatrick , Windermere

On Apr 23, 2022

American Home Shield (AHS)

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Do don’t join this company!!! They have policies that they do not disclose in the contracts!!! My AC is out and I was just informed it must be 105 degrees outside to escalate the service. It is 90 degrees today in florida and I am told to “wait a week” for service as per the policy it must be 105 degrees outside to have service escalated!???

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Amy fitzpatrick , Windermere

On Apr 23, 2022

American Home Shield (AHS)

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Do don’t join this company!!! They have policies that they do not disclose in the contracts!!! My AC is out and I was just informed it must be 105 degrees outside to escalate the service. It is 90 degrees today in florida and I am told to “wait a week” for service as per the policy it must be 105 degrees outside to have service escalated!???

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Ron Robinson, Gainesville

On Apr 19, 2022

Lowe's Appliance Extended Warranty

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Terrible service, horrible phone help from non-English speakers. More than three hours on hold, cut off with no call back. This is the worst ever. Phone tree isn\'t complete, no one cares. Awful.

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Rebecca , Bradenton

On Apr 18, 2022

American Home Shield (AHS)

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Replaced burner on electric glass stovetop. Prompt, professional and replaced element quickly. It was well worth the monthly charge for the home warranty even if this is my only claim. Completely no hassle experience.

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MILTON MUSTIAN, Orlando

On Apr 15, 2022

American Home Shield (AHS)

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AHS IS GREAT; CALLED WHEN GARBAGE DISPOSAL LEAKED UNDER KITCHEN SINK. THEY WERE ON THE BALL,VERY COURTEOUS & GOT US A PLUMBER TO REPLACE OUR DISPOSAL IN NO TIME. AWESOME JOB!

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Tim, Fort Lauderdale

On Apr 13, 2022

American Home Shield (AHS)

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The plumber, A***, went out of his way to find the proper items for my 17 year old home. He found the company that makes a similar replacement and came back within 6 days to finish

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Olga, Naples

On Apr 11, 2022

American Home Shield (AHS)

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Good job?But the parts took a while to get here. Thank you

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Marjorie Conway, North Port

On Apr 11, 2022

American Home Shield (AHS)

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No complaints here. We were extremely pleased with our experience. It was quick and the technician was awesome. He was very personable and he also deserves a five star rating.

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Alejandro, Tampa

On Apr 07, 2022

American Home Shield (AHS)

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I was very happy with the technicians service. He was professional and punctual! I\'m bappy he was able to resolve my refrigerator issue. I must say, having this home warranty really comes in handy.

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Steven Grable, Titusville

On Apr 07, 2022

American Home Shield (AHS)

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Our C****** A/C needed a part that was not available. American Home Shield had a brand new C****** A/C unit installed. We were elated and it was installed very quickly. I would highly recommend American Home Shield.

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