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.
GET $200 OFF + 2 MONTHS FREE + FREE ROOF COVERAGE
 
ServicePlus Home Warranty |
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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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2-10 Home Buyers Warranty |
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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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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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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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PRICING
$300-$700
SERVICE FEE
$55
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America's First Choice - AFC |
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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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PRICING
$400
SERVICE FEE
N/A
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HMS Home Warranty |
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HMS is now known as Cinch Home Services & offers a free water sensor to detect leaks.
PRICING
$400 - $600+
SERVICE FEE
$100 - $200
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Total Protect |
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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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PRICING
$369 - $459
SERVICE FEE
$50
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American Residential Warranty |
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PRICING
$402
SERVICE FEE
$50
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
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.
Jack Frankenburger, Bartow
On May 03, 2021
Cinch Home Services
The customer service agents are courteous and knowledgeable. They are professional. The repair people know a lot about the problems. The parts people can get the parts readily. This company is a big help. The ac supervisors need to think about replacement and not just to replace parts but to replace the system and not spending so much money on parts.
Richard , Lakeland
On Apr 30, 2021
American Home Shield (AHS)
AC went down and they sent a contractor out to fix a capacitor and then he tried to up charge me for services I did not need for $1000\'s of dollars. A handle broke on my refrigerator and their repair company asked for a picture of it. He said the problem was due to the manufacturer so AHS would not pay for it. They still want to charge me a service fee of a $100 for no service at all. They should not call the company "American" because all my calls to them go to the Philippines.
O Dimina , Mims
On Apr 10, 2021
American Home Shield (AHS)
I was glad I had Home Shield. I needed all the locks changed in my new home. I placed my order online and they sent me a great, friendly professional locksmith who changed all the locks to one key. He explained what he was doing before he did anything and to have all doors properly secured. I paid my service fee and he came out the next day to my home. I had a great experience and for me it was totally worth it. I have peace of mind and only one single key for all the locks in my house! Thank you all very much!
Floyd A Olanio , Saint Cloud
On Apr 08, 2021
American Home Shield (AHS)
Great value for the money. However, AHW doesn\'t pay enough towards the cost of the Freon. My copay for my AC repair was over $600
Kathleen Oakley , Bartow
On Mar 27, 2021
American Home Shield (AHS)
So far I have been pleased with Home Warranty. They replaced a TV after trying to fix the old one. Took a while to get my range top fixed because parts were slow getting in. The company that came out have always been professional. I have heard that they only offer a portion of getting a new appliance or air conditioner which isn’t what I understood is what they say. Hope I don’t have to deal with that because I will not be a happy camper. But so far I’m satisfied.
Mana rose, Marathon
On Mar 20, 2021
Cinch Home Services
Awful. They just took over hms which had for years. They were wonderful. Always paid within a month if it was out my pocket. This cinch I gave 100 in dec for work. Couldn’t find any one so I cancel order. It’s now mid March. 5 phone calls later I’m still waiting on my 100 which I sent immediately as they ask before they even looked for me. Would never go back. Do not use. Then while they looked for me that took 2 weeks then they had to find out what to do since there was no one in my area that was another week. So 3 weeks no washer while I waited for answers and work.
Susan Cook, San Antonio
On Mar 12, 2021
American Home Shield (AHS)
Being an American Home Shield customer for the past 16 years, I was VERY disappointed with American Home Shield in mid 2020-2021. It has become difficult to understand customer service reps and for them to understand me. They only know what they see in front of them, and can offer no assistance beyond what they read in front of them. No referrals to a supervisor or manager or someone who can answer questions. Communication has become a HUGE problem at American Home Shield, causing me to feel my business is not valued, and being a customer is not important to American Home Shield. I even receive an email stating one thing, and when I called about it, the representative told me the email was WRONG and what she saw on her screen was right. There was NO ONE to talk with about this miscommunication and discrepancy. I read her my email. She replied, "Well, I have it front on me that....." very unsetting and frustrating. Today, March 11, 2021, I spoke with a customer service rep at AHS who AGREED with my frustration, saying that they hang up when they reach someone they can not understand.. I researched other companies to switch my home warranty, and had decided to leave AHS. Today's representative (seeking my renewal) was able to listen, sympathize,, gave me advice, encouragement, information, and then a substantial discount for me to give AHS one more try. (OH! Did I mention that AHS raised my annual fee by $90 this year??? Ridiculous!) That is where I am right now. AHS....GET YOUR ACT TOGETHER! Do you value your customers at all????? IF SO, THEN SHOW IT! Out sourcing your calls is NOT the answer! Is there anyone that knows anything there??? When calling to use the buying service, I reached people that had no clue what they were doing, or information about the products they are selling. When calling to get an update on a repair, I got told parts were ordered by the Repair Company. Upon calling the Repair Company, I was told they were ordered by AHS. Ugh!
Marilyn Pearce, Cape Canaveral
On Mar 11, 2021
American Home Shield (AHS)
Extremely pleased w/the services. **** & *** plumbing sent out an A + plumber(**** *****) and he represented your company well. I highly recommend AHS and have done so w/several of my friends.
S Johnson, Jacksonville
On Feb 25, 2021
Lowe's Appliance Extended Warranty
I purchased a dishwasher with a 5 year extended warranty and Im having issues with the different settings working. I called Lowes Protection Plan. I purchased it in 2015 so had a 1 yr manufacturer warranty on the dishwasher for parts and labor and the extended warranty kicked in after (this is the only one-parts and labor that says in the warranty that it starts AFTER manufacturer warranty) the manufacturer warranty. I was on the phone for over an hour with the most disrespectful manager named ******** He argued saying my extended warranty was expired. However it says differently in the wording on my warranty pamphlet and on their website. It clearly states the 5 yr warranty (for parts and labor only) starts AFTER the manufacturer warranty which is one year, thus having an extended warranty of 5 years. Otherwise this wouldnt be called an extended warranty. Hopefully I can clear this up with someone at the corporate level. I wish I could give a better rating but this is my personal experience.
Raul Martinez, Tampa
On Feb 20, 2021
Lowe's Appliance Extended Warranty
I always buy extended warranty plan.When I need it the plan has worked.I want to mention the excellent skills and customer services provided by ***** from Arburquerque.She is an model example how customer service should be .Professional ,kindness and a person you can true.She goes extra miles .
Chenita Clay, Jacksonville
On Feb 19, 2021
American Home Shield (AHS)
AHS has and continue to provide a service that is immeasurable. Home repairs come up when least expected. Having AHS has provide my family a true peace of mind. The contractors provided have been courteous, professional, skilled, and friendly. My experience with AHS is absolutely amazing.
Bradley Limoge, The Villages
On Feb 11, 2021
American Home Shield (AHS)
When the temperatures dropped into the 20s in our Florida home we realized that we had no heat. We immediately called AHS and actually spoke with a human (positive experience) who recommended a company (and technician) who was familiar with our system. Upon calling the repair company we were disappointed to discover that no one could be dispatched immediately (due to high work volume) but we were told when the technician would arrive and true to their word he arrived on the date and time promised and respires our furnace. Overall, very pleased.
Alejandro, Tampa
On Feb 04, 2021
American Home Shield (AHS)
I always thought having this type of policy was a waste of money. It was only after talk with a friend that convinced me to look into it. She shared her experience with having this exact policy and company. Shortly after I decided to invest in this product and boy im so happy I did. I have used it twice plumbing issue and refrigerator issue. Both issues got resolved professionally and promptly. I really like this insurance
Pat Van Durme, Tallahassee
On Feb 02, 2021
American Home Shield (AHS)
Once the decision was made to replace our appliance, things went very smoothly and quickly. Given the hassles with Covid-19, I thought they did a great job! Customer service and the local technician were both very professional. I would recommended AHS .
Audrey Huddy, Sebastian
On Jan 31, 2021
American Home Shield (AHS)
Don’t know if this will make a difference it has happen before with other company’s,you have hired been with your company for years I thick care of my home and keep up with maintaining it,I feel I pay a lot of money a month and the 75.00 when your people come.I don’t think it is worth it to have it ?
Charles, Sebring
On Jan 28, 2021
Lowe's Appliance Extended Warranty
I will never buy the Lowes\'s extended warranty again. It took them 9 days to come and fix my range and when they came they had to order the part, which took 12 days. When they finally came a second time the technician realized the range had another problem. Almost a month later I\'m still waiting on them to fix the range. They say the part is in back order but when I call the manufacturer (GE) they say the part is in stock.
Thomas Howell, Punta Gorda
On Jan 19, 2021
American Home Shield (AHS)
My over-all experience would have to be somewhere between satisfactory to above average. My refrigerator door was never fixed, but I had the repair company out on 4 different occasions and that last experience was not a good one. The ice maker still doesn\'t work properly, its still leaks and the door is rusted and dis-colored on that side of that door. My resolve was to not use the ice maker. My feeling is that the ice maker and door should have at the very least been replaced, but no one seems to be listening that nothing was ever resolved. Otherwise I'd rate my experiences above average on all fronts!
Vickie Muste, Ruskin
On Jan 11, 2021
American Home Shield (AHS)
We had the Appliance Contract with AHS in our previous house and it was well worth it, so when we cancelled it when we sold our house they sold us the One Year Warranty on our new home for what seemed to be a great deal since they were so good on the Appliance Contract. The first time using it for a pipe leak the plumber came out and called in another company for a scope to see behind the wall to find if the leak was at the shower head or at the faucet. This company determined the faucet. The plumber said it would be a modification to the valve and we had to pay $275 up front for a minimal charge to fix it, they may charge more once they get here. AHS agreed even though we stressed the fact that they hadn't even seen the pipe so how would they know. AHS read us the contract stating it would cover the valve but not the modification and we had to pay it before we go any further. They could not tell us what modification was needed, nor could they because no one had even seen the pipe or valve. We said it sounds like a scam on the plumber and wanted them to send someone else for a second opinion and she just was very rude and told us the outcome would probably be the same and then we would have to pay the deductible a second time. Also we would have to wait for that and this would be taking us into two weeks for a fix. In the meantime mold is growing and the floor is wet. We ended up getting a licensed plumber in our community come look at it the same day after we cut the hole in the wall (which by the way was not the modification because we asked and which is why there was a company called in to determine where the leak was at) and it was a joint that took him 15 minutes to replace and was a $3 part. Would not recommend this warranty to anyone, because it is not a warranty! I don't even think they deserve a one rating but can't go below that.
Ismael Ortega, Melbourne
On Jan 02, 2021
Lowe's Appliance Extended Warranty
I purchased a Frigidaire microwave at Lowes with the Lowes protection plan. I had a very bad experience with the service from Lowes and the microwave company. It took them 3 visits including ordering wrong parts and lost parts, and took 5 weeks to get the microwave repair. No other options from Lowes except to sit tight and wait. With that type of inconvenience for our family, including babies, I would have preferred to just buy a new microwave. The microwave worked for around 4 weeks before it broke again. Lowes offered to send the technicians again. No options to replace it. Needless to say I preferred to refuse service and just bought a new microwave, obviously with a different company. I strongly recommend against Lowes service plan and service!
RBM M, Boca Raton
On Dec 16, 2020
American Home Shield (AHS)
SAVE YOURSELF a lot of aggravation and select another company. Air Conditioning failed again ( 4th time in 5 months) Called 11/21/20 for service, tech showed up 4 days later on 11/24, said need to order new evaporator coil, called 11/27 was told would install new coil 11/30, no one showed up on 11/30, called & spoke to 3 different representatives on 11/30, one said will call me back with status, did not call back, another said will have supervisor call me, supervisor did not call, other one said will call me tomorrow & she did, said Tech was on his way to pick up the new coil, Tech showed up on 12/2 , this is now 12 days from first call without Air Conditioning in South Florida & Tech repairs old coil, did not install new coil as was told they were going to, if was going to repair why wasn`t repair then done 9 days earlier when Tech came out the first time ? I have probably called on this service call alone 15 times & continued to ask to have an Executive call me to discuss, was told over & over will have Supervisor call you or the contractor relations will call, no one calls me back. I have dates, names, badge # of employees I spoke to & most just continue to apologize , but no results, no return calls. AGAIN SAVE YOURSELF AND SELECT ANOTHER COMPNAY, DO NOT USE american home shield ahs.
