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7 Best Home Warranty Companies In Tampa, Florida

Tampa’s vibrant life shouldn’t be dimmed by appliance or system breakdowns. We’ve unearthed the Best Home Warranty Companies in Tampa, Florida, focusing on reliable coverage, affordability, and top-notch service. Discover peace of mind and protection for your Sunshine State haven.

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Offer Ends
In

$200 Off*
Free roof Coverage* +2 Months additional coverage
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100,000 user reviews

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16+ Years Of Experience

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6 Million Homeowners Served

List Of The Best Home Warranty Companies In Tampa

Dive into the list of top-rated home warranty companies in Tampa and find the perfect home warranty for you.

Pros

  • Extensive coverage
  • Nationwide network of contractors
  • Flexible plans

Cons

  • Higher service call fees, up to $150 per service visit
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$50 OFF on Multiple Properties

Premium

$29 - $89

Deductible

$100 & $125

States covered

48 states

Coverage not available in Alaska and Hawaii

Appliances Coverage Limit

$4K - $5K

Response Time

Up to 48 hours

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Pros

  • Extensive coverage
  • Nationwide network of contractors
  • Flexible plans

Cons

  • Higher service call fees, up to $150 per service visit

Pros

  • Affordable plans
  • No home inspection required
  • 24/7 customer service

Cons

  • Limited aggregate coverage caps
 image displaying the offers available for the purchase of the home warranty plan

$150 off + Free roof coverage + 2 months free

Premium

$44 - $47

Deductible

$60 - $75

States covered

47 states

Coverage not available in Nevada, Washington and Wisconsin

Appliances Coverage Limit

$3K/Item

Response Time

12 - 48 hours

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Pros

  • Affordable plans
  • No home inspection required
  • 24/7 customer service

Cons

  • Limited aggregate coverage caps

Pros

  • Offers a unique ‘Customize your own coverage’ option
  • Provides 24/7 U.S. based live claims concierge
  • 30-day free trial with all three plans

Cons

  • Limited details available on the website
 image displaying the offers available for the purchase of the home warranty plan

$150 Off + 2 Months Free

Premium

$45 - $60

Deductible

$70

States covered

47 states

Coverage not available in California, Texas and Wisconsin

Appliances Coverage Limit

$15K

Response Time

24 - 48 hours

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Pros

  • Offers a unique ‘Customize your own coverage’ option
  • Provides 24/7 U.S. based live claims concierge
  • 30-day free trial with all three plans

Cons

  • Limited details available on the website

Pros

  • Long-standing reputation
  • Processed a million service requests annually
  • Additional coverage for rust and corrosion

Cons

  • Confusing coverage and pricing options

Premium

$315 - $685

Deductible

$85 - $110

Appliances Coverage Limit

Varies by state & covered item

Response Time

N/A

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Pros

  • Long-standing reputation
  • Processed a million service requests annually
  • Additional coverage for rust and corrosion

Cons

  • Confusing coverage and pricing options

Pros

  • Quick service dispatch
  • Free roof leak coverage on purchase of each of the plans
  • Network of over 10,000 certified technician

Cons

  • Lesser annual caps on coverage
 image displaying the offers available for the purchase of the home warranty plan

$200 off + 2 months free + Free roof leak protection

Premium

$50 - $60

Deductible

$90

States covered

All 50 U.S states

Appliances Coverage Limit

$2K/Item

Response Time

Up to 48 hours

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Pros

  • Quick service dispatch
  • Free roof leak coverage on purchase of each of the plans
  • Network of over 10,000 certified technician

Cons

  • Lesser annual caps on coverage

Pros

  • Offers competitively priced plans
  • Provides round-the-clock claims service
  • Additional perks such as 90-day parts guarantee

Cons

  • Some homeowners have reported difficulties in getting claims approved
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1st month free + Free roof coverage

Premium

$46 - $55

Deductible

$75 - $125

States covered

49 states

Coverage not available in Washington

Appliances Coverage Limit

Upto $3K/item

Response Time

Up to 48 hours

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Read Less

Pros

  • Offers competitively priced plans
  • Provides round-the-clock claims service
  • Additional perks such as 90-day parts guarantee

Cons

  • Some homeowners have reported difficulties in getting claims approved

Pros

  • Flexible and comprehensive coverage options
  • $200 Off on annual payments
  • Competitive deductible amount, $75 per visit

Cons

  • Lesser dollar limits
 image displaying the offers available for the purchase of the home warranty plan

$200 Off + 2 Months Free*

Premium

$43 - $79

Deductible

$75

States covered

46 states

Coverage not available in California, Nevada, New York and Washington

Appliances Coverage Limit

$3K/item

Response Time

48 hours

Read More

Read Less

Pros

  • Flexible and comprehensive coverage options
  • $200 Off on annual payments
  • Competitive deductible amount, $75 per visit

Cons

  • Lesser dollar limits

Pro Tip: Explore more on our guide to Best home warranty companies and make an informed decision.

Home Warranty Cost And Coverage-Related Details For Tampa Residents

Read the cost and coverage-related details of home warranties for Tampa residents, ensuring you have all the information you need to make an informed decision about protecting your home.

Cost Considerations

Coverage Options

  • Average Cost The monthly and yearly premiums of a home warranty in Tampa usually range from $19 to $79 and $300 to $600, respectively. 
  • Deductibles Most home warranty providers require a deductible or service call fee when you request a repair or replacement. Deductibles typically range from $75 to $125.
  • Factors Influencing Cost Several factors can influence the cost of your home warranty. These may include the age and condition of your home's systems and appliances, chosen coverage, any add-on, and your selected warranty provider. 
  • Appliances Coverage A standard home warranty typically covers a range of household appliances, including refrigerators, dishwashers, microwaves, and ovens.
  • System Coverage Home warranties also cover essential systems in your home, such as HVAC, electrical, and plumbing systems.
  • Optional Add-Ons Some home warranty providers offer optional add-ons to enhance coverage. These may include pool and spa equipment, well pumps, septic systems, and even coverage for additional refrigerators or freezers. 

Check out our detailed Florida state page and learn what the best home warranty companies in Florida have to offer.

Why Should Tampa Citizens Get A Home Warranty?

Explore the benefits of having a home warranty in Tampa and why it is a wise investment for residents in the area.

  • The Unpredictable Weather in Tampa Living in Tampa means facing the reality of tropical storms. These weather events can cause significant damage to a home's electrical system, appliances, and HVAC units. A home warranty can alleviate the financial burden of repairing or replacing these essential components. 
  • Protecting Against High Humidity Tampa's hot and humid climate creates the perfect breeding ground for mold and mildew. These harmful substances can lurk in hidden corners of a home, causing health problems and property damage. By having a home warranty that covers mold remediation, they can address these issues effectively.
  • Roofing Issues Caused by Heavy Rains Over time, continuous exposure to rainwater can weaken the roof's structure and lead to leaks. A damaged roof can result in potential hazards. By investing in a home warranty that includes coverage for roof repairs, homeowners can ensure that any roofing issues are promptly addressed, saving them from potential headaches and expenses.
  • Risk To Outdoor Appliances Outdoor appliances, such as garage door openers and lawnmowers, are particularly vulnerable to the effects of heavy rainfall. Excessive water exposure can lead to electrical malfunctions, rusting, and other damage. Most home warranty plans cover these outdoor items as additional add-ons.
  • Increased Home Value When potential buyers see that a warranty protects your home, it reassures them that the home is less likely to have unforeseen issues. This can make your home more appealing and potentially lead to a higher selling price. Investing in a home warranty now can pay off when you decide to sell your home.

Cost Of Common Household Repairs In Tampa 

The following are the common repair costs in Tampa, Florida.

  • Plumbing

    Repair

    Average Cost 

    Clogged Drain

    $150 – $250

    Water heater Repair

    $200 – $600

    Toilet Repair

    $100 – $300

    Leaky Faucet

    $75 – $150

    Sewer Line Repair

    Up to $5,000

  • Electrical

    Repair

    Average Cost

    Circuit Breaker

    $200 – $300

    Broken Outlet

    $80 – $150

    Wiring Repair

    $100 – $500

    Ceiling Fan Installation

    $150 – $400

    Light Fixture

    $100 – $250

  • HVAC

    Repair

    Average Cost 

    Duct Cleaning

    $400 – $700

    Furnace Repair

    $150 – $600

    Thermostat Repair

    $150 – $250

    Heat Pump Repair

    $150 – $500

    Air Conditioner Repair

    Up to $2,500

  • Appliances

    Repair

    Average Cost

    Washing Dryer Repair

    $150 – $400

    Oven/Stove Repair

    $100 – $300

    Dishwasher Repair

    $150 – $300

    Garbage Disposal Repair

    $100 – $400

    Refrigerator Repair

    $200 – $600

Essential Points To Consider While Getting A Home Warranty In Tampa, FL

Before you jump into purchasing a home warranty, there are a few essential points you should consider.

Who Regulates Home Warranty Companies In Tampa?

The Florida Office of Insurance Regulation oversees home warranty companies in Tampa, Florida. It ensures that homeowners are well-informed about the legitimacy of home warranty service providers’ licenses. Customers can also report any dissatisfaction with the services rendered by a company to the department.

Florida Office of Insurance Regulation

  • The Florida Office of Insurance Regulation regulates and oversees home warranty companies operating within the state. 
  • One of the department’s primary goals is to protect consumers from fraudulent or unscrupulous practices by home warranty companies. 
  • The FOIR ensures that these companies comply with state laws and regulations and are financially stable and able to fulfill their obligations to contract holders.
  • Florida Office of Insurance Regulation

    • The Florida Office of Insurance Regulation regulates and oversees home warranty companies operating within the state. 
    • One of the department’s primary goals is to protect consumers from fraudulent or unscrupulous practices by home warranty companies. 
    • The FOIR ensures that these companies comply with state laws and regulations and are financially stable and able to fulfill their obligations to contract holders.

Conclusion

Investing in a home warranty is wise for homeowners in Tampa, Florida. It can provide financial protection and convenience, allowing you to enjoy your home without worrying about unexpected repair bills. With the help of this guide, you can now make an informed choice and select the best home warranty company that meets your specific needs.

FAQs

What Are The Most Frequent Home Warranty Claims In Tampa?

In Tampa, frequent home warranty claims often involve air conditioning repairs (due to the hot climate), plumbing issues like pipe leaks, electrical system malfunctions, and pool equipment repairs.

Are There Specific Coverage Options In Tampa Home Warranties For Pool Equipment?

Coverage options for pool equipment in Tampa home warranties can vary among providers. Some home warranty companies offer optional add-ons or specific plans that include coverage for pool equipment, recognizing the prevalence of pools in the area.

Generally, companies like American Home Shield, Liberty Home Guard, and Select Home Warranty offer pool coverage in their plans or when opted for under add-ons.

How Do Home Warranty Providers In Tampa Address The Maintenance Needs Of HVAC Systems?

Home warranty providers in Tampa address HVAC maintenance by offering preventive checks, tune-up services, and repair/replacement coverage. Some plans include priority service to ensure timely responses, especially during extreme weather. 

Homeowners should review their contracts to understand coverage details and may be responsible for routine tasks like filter replacements. Regular maintenance is crucial for optimal HVAC performance in Tampa’s climate.

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