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Best Home Warranty Companies In utah 2024

Utah’s climate can test your home’s systems from scorching summers to snowy winters. Don’t face unexpected repairs alone! This guide explores the Best Home Warranty Companies in Utah, helping you find a plan to safeguard your essential appliances and keep your Utah home running smoothly year-round.

Our Picks: 5 Best Home Warranty Companies For utah Residents

Explore the best home warranty companies in Utah to meet your needs. From affordable choices to extensive coverage, discover the ideal option for your peace of mind and budget.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers over 38 exclusive add-on options in coverage plans
  • Provides a craftsmanship guarantee of 60 days on finished repairs
  • Offers live chat option

Cons

  • The coverage limits are lower than that of competitors at $2,000

Plans, Cost & Coverage

A home warranty from Liberty Home Guard would cost around $50-$60 a month, depending on the package purchased and add-ons availed. Find the cost and plans here:

Plans

Monthly cost

Annual Cost

Appliance Guard

$49.99

$699.99

Systems Guard

$54.99

$749.99

Total Home Guard

$59.99

$799.99

Service Call Fee/Deductible

$90

Appliance Guard:

  • Covers 9 essential appliances like fridge, dishwasher, oven/range, washer, dryer, and more
  • Protection of appliances starts at $49.99 per month

Systems Guard:

  • Protects 6 essential systems like plumbing, electrical, heating, air conditioning, ductwork and water heater
  • Perfect for homeowners in search of coverage for their home’s systems
  • Protection of major home systems begins at $54.99 per month

Total Home Guard:

  • All-in-one coverage of both Appliance Guard and Systems Guard benefits
  • Extensive protection begins at $59.99

Why We Picked It?

Despite its recent entry into the market, Liberty Home Guard has quickly garnered a loyal customer following with its seamless onboarding and responsive claims assistance. Its friendly customer support and convenient live chat feature further contribute to its appeal among homeowners.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Provides coverage ceilings of up to $5,000 for each covered appliance
  • Offers customizable plans and 24/7 emergency service
  • Covers undetectable pre-existing conditions

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

The monthly premium for each plan offered by American Home Shield varies based on the service charge tier you choose. Your monthly premium will be higher, and the service fee will be lower. Find the pricing details here:

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$39.99

$59.99

$89.99

Cost at $100 Service Call Fee

$49.99

$69.99

$99.99

ShieldSilver

  • Covers 14 essential systems: heating, air conditioning, plumbing, electrical
  • Budget-friendly choice for core home functions
  • Add-on flexibility for extras like pool or well coverage

ShieldGold

  • Extending coverage beyond ShieldSilver, it safeguards up to 24 home systems and appliances
  • Protects everyday items: refrigerator, washer, dryer, and more
  • Competitive pricing for comprehensive protection

ShieldPlatinum

  • Tailored for homeowners seeking extensive protection and willing to make the investment
  • Safeguards appliances, systems, and even your roof
  • Added value like free annual HVAC tune-up and higher appliance coverage limits

Why We Picked It?

Established in 1971, American Home Shield brings a wealth of experience to the house warranty industry. A notable aspect of American Home Shield is its coverage limits and the option for customers to choose their service call fee, which allows for some flexibility in tailoring as per their needs. 

The company commits to a 48-hour response time for service requests and offers a 30-day workmanship guarantee, aiming to provide reliable and timely service.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Has extensive contractor network
  • Free coverage for roof leaks
  • Discounts for multi-year policies

Cons

  • Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care, each providing comprehensive coverage for various systems and appliances. Additionally, all plans include free roof leak coverage as an added benefit. The pricing for Select Home Warranty Plans is as follows:

Plans

Monthly premium

Annual Premium

Bronze Care

$60.42

$629.99

Gold Care

$60.42

$629.99

Platinum Care

$63.75

$674.99

Bronze Care

  • Covers 8 essential appliances: refrigerator, dishwasher, oven/range, washer, dryer and more
  • Suitable for homeowners seeking fundamental protection

Gold Care

  • Protects 7 major systems: electrical, plumbing, heating, air conditioning, water heater
  • Perfect for homeowners seeking exclusive protection for their home systems

Platinum Care

  • All-in-one coverage: combines Bronze Care and Gold Care benefits
  • Complete peace of mind: protects appliances, systems, and even roof leaks
  • Value-driven pricing for comprehensive protection

Why We Picked It?

Established in 2012, Select Home Warranty was chosen for its cost-effective plans, including rare free roof coverage and regular promotions to reduce premiums further. Their commitment to customer service, fast response times, and a solid workmanship warranty align with industry standards.

Best For Added Plumbing Coverage
2.8 | twohalf_star Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Reasonable monthly cost starting at less than $50
  • Offers Plumbing Plus and various such upgrades
  • Does not mandate home inspections

Cons

  • Offers limited add-ons

Plans, Cost & Coverage

Plans

Monthly Cost

Annual Cost

Starter Plan

$42

$480

Essential Plan

$52

$600

Premium Plan

$67

$780

Starter Plan:

  • Budget-friendly coverage for 8 essential appliances: refrigerator, dishwasher, oven/range, washer, dryer
  • Option to add coverage for additional refrigeration or water softener
  • Affordable starting price

Essential Plan

  • Expands coverage beyond Starter Plan
  • Includes air conditioning, water heater, and washer/dryer protection
  • Competitive pricing for added peace of mind

Premium Plan

  • Includes coverage for everything from the previous plans, along with an additional six items
  • Safeguards additional appliances like garbage disposal and full garage door system
  • Covers luxury appliances for complete protection

Why We Picked It?

First American Home Warranty, with over three decades of experience, is a BBB-accredited. The company has a reliable 48-hour response time during business hours. Offering plans starting at $75 with service rates up to $125, it caters to budget-conscious homeowners. Addressing improperly maintained or installed items, the First Class Upgrade adds substantial value.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Provides weekend and emergency services
  • Offers expanded options for add-on features
  • Provides comprehensive coverage limits

Cons

  • Does not provide proper pricing details on the website

Plans, Cost & Coverage

With aggregate limits of up to $7,000 for appliances and $8,000 for systems, as well as individual item limitations of up to $1,000 for washers and dryers, Elite Home Warranty provides extensive coverage. They also provide homeowners in Utah with customization options with coverage on 25 particular items. 

Plans

Monthly Cost

Elite appliances

$50

Elite Systems

$60

Elite Complete

$80

Service Call Fee: $70

Elite Appliances: 

  • Covers 8 essential appliances: refrigerator, dishwasher, oven/range, cooktop, microwave, garbage disposal, washer, and dryer
  • Suitable for homeowners looking for coverage primarily for their major appliances
  • Affordable rates: starting at $50 per month

Elite Systems

  • Protects 7 major systems: electrical, plumbing, air conditioning, and more
  • Suited for homeowners who prioritize coverage for home systems over appliances
  • Competitive pricing: plans start at $60 per month

Elite Complete: 

  • Offers full coverage for all appliances and systems covered in the other two plans
  • Safeguards 15 major systems and appliances, including HVAC, plumbing, refrigerator, dishwasher, and more
  • Quick response times and efficient repairs by qualified technicians

Why We Picked It?

For homeowners looking for flexible coverage options and prices, we suggest Elite Home Warranty. With three base plans and 27 add-on options, the company charges a flat $70 service call fee, less than many other providers. The aggregate limits they offer of up to $7,000 for appliances and $8,000 for systems are also commendable.

Is Home Warranty Plans Beneficial For Utah Homeowners?

Owning a home in Utah presents unique considerations. Here's how a home warranty can add significant value to Utah homeowners:

  • Utah winters can be harsh on your HVAC system. A warranty can ease worries about unexpected breakdowns.
  • Appliance and system repairs can be pricey. A home warranty helps you avoid those surprise costs.
  • Finding a qualified repair person can be stressful. Home warranty companies often have a network of approved technicians.
  • From refrigerators to dishwashers, Utah homes rely on these appliances. A warranty can safeguard your wallet if it fails.
  • Especially in older homes, unforeseen plumbing or electrical issues can arise. A warranty can provide coverage for these repairs.
  • Heating and air conditioning systems are essential in Utah's varying climate. A warranty can ensure they keep you comfortable all year long.
  • Prompt repairs from qualified technicians can prevent minor problems from turning into major (and expensive) ones.
  • Utah homeowners have various warranty options to fit their needs and budget.

How Much Does A Utah Home Warranty Cost?

The average annual home warranty premium in Utah is around $672.  Here's a breakdown of what you can expect:

Average Annual Cost

$672

Average Monthly Cost

$30 - $80

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Coverage level: More comprehensive plans covering appliances and systems will cost more than basic plans.
  • Home size: Some companies may charge more for coverage on a larger home.
  • Deductible: A higher deductible can lower your premium, but you'll be responsible for paying more out of pocket if you need a repair.

Home Warranty Coverage In Utah

A home warranty can help shield your budget from unexpected breakdowns of major appliances and home systems. Here’s a breakdown of what to expect, Utah style:

Common Coverages

  • Appliances Common items like refrigerators, ovens, cooktops, dishwashers, garbage disposals, clothes washers, and dryers.
  • Systems Depending on the plan, this could include your heating and air conditioning system, plumbing (excluding anything related to water supply lines), water heater, and electrical wiring (sometimes with limitations).

Common Exclusions

  • Cosmetic issues Dings, scratches, or appliances that just don’t look shiny anymore aren’t covered.
  • Pre-existing conditions If your dishwasher was in bad shape when you bought the house, the warranty probably won’t save it.
  • Specific exclusions Read the fine print carefully. Some plans exclude things like pools, sprinkler systems, or septic tanks.

Here Are Some Additional Points To Consider

  • Coverage options Do you need a plan for just appliances, systems, or both?
  • Service call fees There may be a charge each time a repair person comes to your house.
  • Coverage limits There may be a cap on how much the warranty company will pay for a repair or replacement.
  • Company reputation Research different providers to find one with a good track record in Utah.

Who regulates Home Warranty Companies In Utah?

In Utah, home warranty companies are classified as insurance providers and are regulated by the Utah Insurance Department's Property and Casualty Division. This means they need to follow specific rules to operate in the state.

Here's a breakdown of how it works:

  • Licensing Only authorized insurers or surplus line carriers recognized by the Insurance Department can issue, sell, or offer home warranty products in Utah.
  • Compliance Companies must comply with Utah's Home Protection Service Contract Rule (R590-Filings- 166) and Title 31A-6a, Service Contracts. They must also file specific forms with the Insurance Department, including applications, annual statements, and rate filings.

Final Word

With this knowledge, you're ready to find the perfect Utah home warranty! Don't wait for a crisis - get a warranty before your appliances or systems age. Think about what matters most: comprehensive coverage or budget-friendly options. Prioritize features like fast response times or high coverage caps. Following these tips, you'll find the Utah home warranty that protects your investment and brings peace of mind.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Utah?

A.

In Utah, residents commonly report appliance repairs involving issues with air conditioning units, water heaters, and refrigerators. The state’s climate, with hot summers and cold winters, contributes to prevalent air conditioning problems, such as compressor failures or refrigerant leaks. Water heaters may also require attention due to issues related to hard water or heating element malfunctions.

Are Elevate Home Warranty Services available in Utah?

A.

Elevate Home Warranty is a home warranty company that exclusively offers its services in Utah.

Are Home Warranties Worth It In Utah?

A.

Yes, home warranties are worth it in Utah. With the state’s diverse climate, including hot summers and cold winters, home warranties provide valuable financial protection and peace of mind.

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