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Florida is a desirable place to live due to its subtropical climate and exquisite beaches. However, this distinct and carefree living in Florida has high maintenance costs and can take a toll on your wallet! This situation makes a compelling case for Floridians to explore and invest in a home warranty plan. We’ve reviewed the best home warranty companies in Florida to help you find the right plan.
Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
Home maintenance can get expensive in Florida as the repair and replacement cost of home appliances and systems are very high. Find out how much it costs to maintain your home without a home warranty.
In this section, we’ll take you through the average repair and replacement costs of some major systems and appliances that are frequently used. Take a look:
These are the average repair and replacement costs of various home items in Florida. The table shows that an average home must set aside at least $15,000-$17,000 per year as a maintenance budget. The alternative to this is getting a home warranty to protect your household at a fraction of the cost.
$200 Off + 2 Months Free Coverage
1st month free + Free roof coverage
$150 off + Free roof coverage + 2 months free
We have picked the best-rated home warranty companies in Florida for you. Take a look:
Covers Pre-Existing Conditions
An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions.
|$46-$55||Upto $3K/item||60-day||No||Extended Coverage for homes up to 5000 sq. ft.at zero extra fees|
|VIEW MORE||$39-$60||$4k-$5k||30-day||Yes (Unknown)||Hvac tune-ups|
|$60-$67||$3k/item||90-day||No||Limited roof coverage with annual plan purchase|
|$46-$50||$3k/Item||90-day||No||Free roof leak coverage|
|$50-$60||$2k/Item||60-day||Yes (Unknown)||43 Add-ons|
In this section, you can find a detailed review of the top home warranty companies, including their pros & cons, coverage, and cost. Let’s get started!
Choice Home Warranty carries over 14 years of industry experience and covers more than 1,650,000 homes across the USA. Choice has a network of 25,000 service specialists ready to address your home’s problems and give you peace of mind. Plus, it offers added benefits such as labor and parts guarantees to homeowners across the States, including Florida.
Plans And Coverage:
CHW offers two simple plans- Basic Plan and Total Plan. The Basic Plan covers 14 systems and appliances, while the Total Plan covers 18 home items and systems. The plans contain most of the key home systems and kitchen appliances including, heating, plumbing, electrical, and air conditioning system, dishwasher, cooktop oven/range/stove, garbage disposal, built-in microwave, clothes washer, dryer, etc.
CHW’s basic plan costs $46 monthly, and if you purchase the Total plan, you will have to pay around $54 monthly. There’s also a service fee ranging from $75 to $150.
According to Choice’s sample contract, the company does not cover damages due to lack of maintenance, neglect, unforeseen circumstances, etc. Items with pre-existing conditions are also exempt from coverage. Apart from the exclusions, there are certain set coverage limits for diagnosis, repair, or replacement for covered items, which is $3000.
American Home Shield offers unlimited coverage for systems and up to $6k on appliances, a unique offer in the industry. AHS also has many customer-friendly features, such as coverage for known and unknown pre-existing conditions without maintenance records, making it a popular choice among customers.
AHS has three plans for homeowners, ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans cover systems and appliances, respectively. On the other hand, ShieldPlatinum covers both systems and appliances combined, such as garage door openers, water heaters, A/Cs, refrigerators, wall ovens/ranges/cooktops, dryers, roof leak repairs, etc.
You can expect to pay anywhere between $19 to $70 per month depending on the three deductibles options: $75, $100, and $125 you choose. As per American Home Shield, the higher the service fee you choose, the lesser premium you will have to pay.
Your American Home Shield contract will not cover routine maintenance, venting, exhaust lines, chimneys, and cosmetic damage. Home management systems, fire sprinkler systems, radon monitoring systems. Mold, bio-organic growth, rot, fungus, and pest damage.
The company also has dollar limitations on how much liability it has when repairing and replacing any of the covered items. As per the AHS contract, you can take advantage of unlimited dollar limits on systems and up to $6k on appliances.
ServicePlus Home Warranty is another popular home warranty company in Florida. Although relatively new in the market, the company has built a reputation by offering affordable plans and special offers. It claims to offer plans costing about $2/ day, making it an affordable option.
ServicePlus offers two plans to homeowners: Gold Plan and Platinum Plan. The Gold Plan covers 15 home systems and appliances, and the Platinum Plan includes everything from the gold plan plus a/c systems, heating systems, washers, dryers, and refrigerators.
ServicePlus charges $43.25 monthly for the Gold Plan, whereas the Platinum plan costs $49.92 monthly. The total price will be according to your coverage needs. Apart from the monthly/annual premiums, the company charges a $75 deductible that must be paid during each service visit.
ServicePlus Home Warranty does not cover pre-existing conditions (known and unknown), cosmetic defects, rust, misuse, or sedimentary build-up. Damage due to natural calamities, lightning strikes, and acts of Gods are also excluded from coverage. SPHW also excludes from coverage missing components, bug or animal damage, mildew, mold, fungus, virus-related malfunctions, and items declared faulty by the Consumer Product Safety Commission.
ServicePlus has coverage limitations of $1500 for each covered item’s repair and replacement.
All Select Home Warranty plans are reasonably priced and include free roof leak coverage. You will be glad to have free roof leak coverage if the rain falls during the summer storms in Florida. Additionally, Select Home Warranty offers a wide range of plans, and the company runs regular promotions to reduce your annual fees.
Select Home Warranty offers three plans of varied coverage, including optional add-ons. These plans are Bronze Care, Gold Care, and Platinum Care. The first two plans cover appliances and systems, respectively. And the Platinum plan is a combination of the other two plans plus three extra items.
Select’s pricing is different for all three of its plans. Bronze Care and Gold Care plans cost $45 monthly, whereas the Platinum Care plan comes at $50 per month. The deductibles or service fees vary for each state, usually between $60-$100.
Select Home Warranty does not cover failures caused by abuse, rust, corrosion, improper installation, or known or unknown pre-existing conditions. All components or parts of any covered item, such as freon, crushed ductwork, lights, solar heating systems, etc.
Items that require repair or replacement result from acts of god, and damage due to water, fire, and mold spores are also not covered in SHW’s contracts. Select Home Warranty also has an aggregate limit of $2k per system or appliance covered in your contract.
Liberty Home Guard has been in the market for only five years but has made impressive progress. It provides round-the-clock services and has a network of over 10,000 contractors. Liberty’s add-on list covers 43 items, including pest control, second, pro-series refrigerators, and more, making it a noteworthy option.
Liberty Home Guard has three plans for the homeowners- Systems Guard, Appliance Guard, and Total Home Guard. LSG’s three main plans will cover air conditioning, heating, plumbing, electrical, ductwork, water heaters, refrigerator, oven, dishwashers, washers, dryers, garbage disposals, ceiling and exhaust fans, etc. Apart from the regular plans, you can cover more items from its extensive list of 43 add-ons.
Liberty Home Guard plans cost $60 to $69 monthly, and the company also charges a $90 deductible or service fee.
Liberty Home Guard’s agreement has some exclusions and limits. Your contract will not cover electronic, computerized, or internet-based parts, remote receiving, or transmitting devices. Vents, exhaust lines, chimneys, glass parts and components, cosmetic defects, any costs associated with refrigerant, and defects in manufacturing will also not be covered.
The company will not pay for accidents, fire, floods, water damage, electrical failure, Acts Of God, and known and unknown pre-existing conditions. Liberty home warranty’s annual dollar limits are restricted to $2,000/ item. As per this, diagnosing, repairing, or replacing all eligible items during your contract period will be done up to the given amount.
Owning a home in Florida can be a dream come true, but you must remember that it comes with a substantial maintenance cost. According to the records, Florida’s average annual cost of homeownership maintenance is $16,097, which is much higher than the national average. Let’s look at the table below to understand better how much home maintenance costs in major Florida cities.
Now that you have understood how much home maintenance is in Florida’s top cities. Let’s find out how important it is to get a home warranty.
If you’re fortunate enough to reside in Miami, you’re also probably aware of the challenges associated with homeownership. With the rising costs of living, a simple appliance or system repair can have a significant impact on a homeowner’s finances. A home warranty plan can help save dollars on repair, replacements, and home maintenance.
Jacksonville is known for having hot summers, and residents can vouch for how unbearably humid the season can be. Your air conditioner works too hard to beat the heat during the summer and may eventually break down. In such scenarios, a home warranty can help you save money by paying for repairs and replacements!
Over 40% of the population in Petersburg comprises middle-class households. This suggests that nearly half of the city’s population is concerned about rising home maintenance costs, which are slightly higher than the national average. So for you to enjoy living in the city without breaking the bank on home maintenance, we recommend exploring home warranty plans.
The hot summers in Orlando can burden your home’s HVAC system. And, if your air conditioner breaks down in the middle of July, the peak season, imagine how costly it will be to repair it. A home warranty can help you, whether it’s summer or winter.
Furthermore, many home warranty companies allow homeowners to transfer their plans if they sell their homes. So if you plan to sell your house, this feature can be an added benefit and make your home more appealing to potential buyers.
Florida experiences warm climates throughout the year. The heat can cause stress on your systems and appliances. Take a look at the below-mentioned climate profile of the state to get a better idea of the temperatures making a compelling case to get a home warranty in Florida:
53.7 inches/ Year
284 Sunny Days/ Year
June – October
Apart from these harsh weather conditions, Florida has many places like Key West, Miami Beach, Southwest Ranches, Aventura, etc., where living is expensive. A home warranty is a perfect solution to protect your home items from wear and tear and your pocket from unforeseen repairs.
Anyone who has ever lived in Florida knows how common the concerns about heat and humidity are in the Sunshine State. Owing to such concerns, recurring home repairs are common! In this section, we’ll talk about some of the most common home repair problems that Florida homeowners often face. Take a look:
Home leaks are frequently caused by the hot water system, faucets, sump pump, attic, and basement. Water stains, mold, and dampness on the walls or ceiling are visual indicators of a leak. Fixing a leak inside your home can cost anywhere from $100 to $1000 without a home warranty.
Broken or inoperable operation controls, unsafe exhaust disposal, etc., are examples of cooling device issues that Floridians often face. Cooling devices such as air conditioners are vital for Florida homes but are costly when regular fixes are required.
A sizable percentage of 19.9% of homeowners chose bad electrical fitting as the most prevalent home defect, including inadequate overload protection, electrical service to the house, etc. The maintenance cost of bad electrical fittings can range from $250 to $1200 if you don’t have a home warranty.
Look at the below-mentioned table for a quick comparison between the best home warranty companies in Florida.
|Choice Home Warranty||$46-$55||B||Up to 48 hours||$85|
|American Home Shield (AHS)||$39-$60||B+||Up to 48 hours||$75-$125|
|ServicePlus Home Warranty||$60-$67||A||48 hours||$75|
|Select Home Warranty||$46-$50||B+||12 - 48 hours||$60-$75|
|Liberty Home Guard||$50-$60||A+||Up to 48 hours||$90|
As per section 634.303, Florida Statutes, all the companies that sell home warranties in Florida must have a license. Additionally, the Florida Office of Insurance Regulation handles home warranty companies in Florida.
The department also educates homeowners to verify the home warranty service providers’ licenses. If the company fails to provide promised services, the customer can file complaints with the Division of Consumer Services at www.MyFloridaCFO.com or by calling 850-413-3089.
Florida is home to many companies, but each offers a different range of coverage and service quality. Before purchasing a Florida home warranty, we encourage you to get free quotes and carefully read the service contract.
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Does Choice Home Warranty Cover Florida?
Yes. Choice Home Warranty offers services in Florida. The options available in the state are the Total Plan, Basic Plan, and Optional Coverage. You must 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 details
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 our editorial team, Choice Home Warranty and American Home Shield top the list.
However, finding the perfect home warranty provider is up to you. Reading other customers reviewing and speaking to close acquaintances about their experiences with warranty providers can be a boon.
Who Regulates Home Warranty Companies In Florida?
The Florida Office of Insurance Regulation oversees state home warranty rules and regulations. 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 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 anywhere between $300 and $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 from $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 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 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 repaired or replaced depends on the condition of the equipment and your home warranty provider’s policy. Most companies inspect the device to check if the device can be repaired. Replacements are only considered if the device is deemed as unrepairable by the service contractors.
Additionally, the home warranty company may not cover it 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, contact your home warranty provider. You can contact the provider via 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, he/she will diagnose the problematic device thoroughly. Depending on its condition, it will either get repaired or replaced. When filing your home warranty claim, you must also remember to pay the necessary service call fee.
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, electrical, and concrete floor. Ensure the builders’ warranty is included in your contract when purchasing your new home.
Do I Need A Home Warranty If I Have Homeowners Insurance?
Home insurance and warranties offer your home protection but in different ways. So opting for a home warranty contract with a homeowners insurance policy is a good 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 both services can give your home comprehensive coverage. However, if you still need to figure out the difference between the two and whether you need them, reading our home warranty vs. home insurance guide may help.