Your best bet when looking for a home warranty is to find a provider that provides affordable premiums and service costs, high payment caps, a simple claims procedure, and a flexible selection of plans that cover the systems and appliances you want covered.
We looked at 18 elements from 25 of the top firms in four critical categories—total plan cost, cover and service, customizability, and transparency—to determine the top home warranty providers. The Better Business Bureau rating of each business was also examined. This article is updated frequently by Investopedia to guarantee that the data you read is as relevant as possible.
Top Home Warranty Providers for 2023
The top-rated home warranty companies on Investopedia are listed below, along with information on pricing, coverage, and availability, which may differ by state.
Top Home Warranty Providers
Our Favorites
LLC Liberty Home Guard
Residential American Warranty
Property Warranty Inc.
Warranty for First Premier Homes
Home Warranty Cinch
Home Warranty by Sears
Home Warranty by TotalProtect
Liberty Home Guard Home Warranty
Cost annually on average: $587.49
Cost of services: $80 to $125
24 to 48 hours for a response
Why We Selected It
Our best choice for customer satisfaction is Liberty Home Guard Home Warranty, which has an average Better Business Bureau consumer feedback rating of 4.63 out of over 1,200 verified reviews. This rating, which shows a clear record of serving their clients well, was by far the highest customer satisfaction rating of any business we studied. Additionally, Liberty offers savings, a very user-friendly website, clear pricing, excellent live-chat customer support, optional add-ons (such coverage for pro-series appliances), and other extras. The company, which offers insurance in all states bar Wisconsin and Washington, is accredited by the Better Business Bureau and has an A rating.
Cons & Pros
Pros
discounts for multiple years on some plans
Excellent range of add-on options
Cons
unable to select your service provider
Benefit cap with a lower payout than average
Overview
Plans and Costs
The typical Liberty Home Guard home warranty plan has a $587 fee and a $2,000 annual payout cap per insured system or appliance. Within 24 to 48 hours of receiving a service request, the company aims to send out repair personnel.
Liberty Home Guard provides three fundamental plans (pricing varies by plan and zip code):
Appliance Guard: ceiling and exhaust fans, range/oven/cooktop, refrigerator, built-in microwave, dishwasher, trash disposal, washer/dryer, and garage door opener.
Systems Guard: water heater, plumbing, electricity, ducting, air conditioning, and heating
Total Home Guard: all that the plans for Systems Guard and Appliance Guard cover.
Coverage
In addition to its three core plans, Liberty Home Guard Home Warranty provides a comprehensive number of optional add-ons. You can add coverage for each of the following to your plan to make it more unique:
A second spa
washing the carpet
Casita lodging
In-house vacuum
Pump for ejector
protection for electronics
Generator
Miller pump
washing the gutters
Ice dispensers (freestanding or built-in)
instantaneous water heater
system of lawn sprinklers
Lighting devices
small roof leak
pest prevention
plumbing components
Spa and pool
Dishwasher from the Pro line
Professional dryer
Pro series microwave
Pro-series cooktop, oven, and range
fridge from the Pro series
washing machine from the Pro series
Re-key
water filtering by reverse osmosis
pool made of salt
additional refrigerator
Pumping septic systems
independent freezer
a sump pump
bog chiller
Compactor for waste
Water line and water dispenser
water conditioner
a well pump
window cleaning
wine refrigerator
American Residential Warranty
Rating 4.7
Logo for American Residential Warranty
Cost annually on average: $554.88
$55 to $75 in service fees
24 to 48 hours for a response
Why We Selected It
Formerly known as American Residential Warranty, ARW Home provides flexible options, affordable prices, and open pricing. Nationwide coverage is offered, and the business has excellent customer review ratings on independent websites. The 25 businesses we reviewed were rated overall, and ARW Home received the highest score of 4.7 stars.
Cons & Pros
Pros
Cheap prices for some plans
Price transparency
nationwide protection
Positive customer feedback
Cons
Each plan has an additional fee for washer and dryer coverage.
Low annual restrictions for various systems and appliances
Overview
Plans and Costs
All 50 states are covered by plans from ARW Home. According to our study, the typical plan has a cost of $555 and a payout limit of $2,500 annually for each covered system or appliance. According to the business, it begins providing services within 48 hours of receiving a service request (or immediately for emergencies).
Three main plans are provided by ARW Home:
Kitchen Plus: range/oven/cooktop, built-in microwave, dishwasher, waste disposal, interior electric system, refrigerator (without ice maker), and water heater.
The Platinum Premier plan includes everything that the Kitchen Plus plan does, as well as central heating and air conditioning, humidifiers, ceiling fans, ducting, garage door openers, sewage stoppages (fixtures not provided), and the plumbing system (fixtures not included).
, the refrigerator ice maker, and the range hood
Everything covered by the Kitchen Plus plan plus washer/dryer units, water/sewer lines, private electronic devices, and various internal parts and mechanisms for the aforementioned goods are included in the 4-in-1 Bundle.
Coverage
With packages or by including insurance for one or more of the following add-ons, you can modify your plan:
A/C Advantage (coils and refrigerant)
supplementary cooling system
additional central heating system in the residence
Ceiling lights
washing machine and dryer for garments
Package with Deluxe Advantage
food rancidity
Ice maker (built-in or stand-alone)
The benefits of plumbing (fixtures and faucets)
plumbing system (excluding obstructions or fixtures)
Range/oven/cooktop
Additional refrigerator/freezer (without ice maker)
Only spa
both a pool and a spa
only a swimming pool
heater of water
dryer and washer
FOR TRANSPARENCY, THE BEST IS
Property Warranty Inc.
Rating 4.6
Residence Warranty Inc.
Cost yearly on average: $479.33
$75 in service fees
Time to Response: 4 to 48 hours
Why We Selected It
Our runner-up is Home Warranty Inc. because of its user-friendly website, clear pricing information, solid selection of plans as well as add-ons, and quicker-than-average claim response time. The business has an A+ rating from the Better Business Bureau and sells insurance in 35 states. Home Warranty Inc. is a good option to take into consideration when looking for homes warranty coverage because it came in second place overall to ARW Home.
Cons & Pros
Pros
There are no restrictions on square footage
Choose your own contractor
faster-than-average response times to claims
Cons
Low annual restrictions for various systems and appliances
No protection against corrosion, rust, or mold damage
Overview
Plans and Costs
The typical Home Warranty Inc. plan has a $480 price tag and a $15,000 maximum aggregate payout limit per contract period (usually 14 months). With a typical response period of 26 hours, the company claims to react to claims within a four-hour period on weekdays but 48 hours on weekends.
Home Warranty Inc. provides three fundamental plans (pricing varies by plan and zip code):
Protection for the following items in the home: integrated or over-the-range microwave, fridge, built-in ice maker, range/oven/cooktop, ductwork, water heater, the inside plumbing, plumbing stoppages, inside wiring, sump pump, garbage disposal, fundamental vacuum, a garage door opener, trash compactor, and washer/dryer.
Appliance Protection is a la carte insurance option that lets you pick which specific appliances and mechanical components you want to be covered.
Enhanced by your current insurance, Supplemental Home Protection provides coverage for 14 appliances and mechanical systems.
Coverage
Any of these possible add-ons can be added to a plan to make it more specialized:
Enhanced HVAC Plus ($2,500 in additional HVAC coverage)
Bathtub with jets but without a bathtub shell or liner
limited (30-day waiting time) roof leak repairs
little slab leak
Swimming pool or spa (just the principal pump motor, assembly, and heating system covered)
Pump and septic tank (30-day waiting time)
water conditioner
a well pump
QUICKEST FOR CLAIM RESPONSE
Warranty for First Premier Homes
Rating 4.3
Warranty for First Premier Homes
Cost yearly on average: $424
$60 to $75 in service fees
20 hours for a response
Why We Selected It
Due to its best-in-class response time of 20 minutes, First Premier Home Warranty is our choice for Best Claim Response Time. Other companies typically said that they may take a maximum of 72 hours if claims were received on the weekends. Additionally, First Premier provides inexpensive plans, affordable service costs, and high benefit payout limits. Aside from California and Iowa, the firm sells insurance plans in all 50 states. It lacks a BBB rating or accreditation, which is probably a result of its relative youth in the market.
Cons & Pros
Pros
rapid response times for claims
Very affordable service costs and plans
$15k in total payouts per year
Cons
Limited history (as of 2020)
less plans compared to rivals
Overview
Plans and Costs
According to our analysis, the typical First Premier Home Warranty plan has an annual aggregate payout cap of $15,000 and costs $424 on average. The business claims that it responds to repair requests much more quickly than any other business we looked at—within 20 minutes.
Two plans are available from First Premier Home Warranty; prices vary depending on the plan you select and your zip area.
Premier: ducting, garage door opener, overhead and exhaust fans, sump pumps, range/oven/cooktop, built-in microwave use and a dishwasher; garbage disposal, trash compactor, plumbing system, plumbing blockage, water heater, whirlpool bathtub, and electrical system.
Premier Platinum: all the benefits of the Premier plan plus two air conditioners, two heaters, a refrigerator, and a washer/dryer.
Coverage
You can add the following extras to either plan to make it your own:
A/C system in addition
supplementary garage opener
A second spa
supplementary water heater
In-house vacuum
Integrated or freestanding ice maker
small roof leak
Pool/spa
additional refrigerator
sewage pumping
septic tank
independent freezer
a sump pump
water conditioner
a well pump
LOWEST PLAN COST IN CA AND FL
Home Warranty Cinch
Rating 4.2
Home Service Cinch
Cost yearly on average: $567.49
Fees for services: $100 to $150
2 to 24 hours for a response
Why We Selected It
Because clients in California and Florida may purchase the Complete Home Warranty plan—the company’s most comprehensive coverage—for less than $500 annually, Cinch Home Services won our category for the lowest plan cost. These states also have the lowest average plan costs across all plan tiers, making Cinch the low cost champion. With the exception of Alaska, Hawaii, Iowa, and Texas, the company offers services in all 50 states and has a B rating from the Better Business Bureau.
Cons & Pros
Pros
Defense against undiagnosed pre-existing disorders
Guaranteed service for 180 days
Cons
excessive service charges
higher than average prices in various states
Overview
Plans and Costs
The average Cinch Home Warranty plan has a yearly aggregate payout cap of $10,000 and costs $567 on average. According to the business, it answers to repair requests in 2 to 24 hours, which is quicker than average for the sector.
Three plans are available from Cinch Home Warranty; prices vary depending on the plan you select and your zip code.
Washer/dryer, stove/oven/cooktop, dish washer, built-in meal center, freestanding ice creator, built-in microwave, stove exhaust hood, fridge, built-in trash compactor, brick oven, and a $25 air conditioning or water filter credit are included in the home appliance warranty.
Built-in Systems Warranty: Instant hot/cold drinking water dispenser, plumbing system, detectors for smoke, sump pump, bathrooms, water heating element, built-in whirlpool/jetted tub, central vacuum, attic fans, fans for the ceiling, central vacuum, the doorbells, electrical wiring, garage door opener, garbage disposal, furnace (including ductwork),
Everything covered under the Appliances and Built-in Systems plans as well as a $500 homeowner’s insurance premium reimbursement (available once a year) are included in the Complete Home Warranty.
A $50 Green Reward is included with each plan.
Coverage
You can add the following extras to either plan to make it your own:
Premier upgrade package
Septic system (only offered to new customers; not renewable)
Spa
watering hole
Combination pool/spa
a well pump
LOWEST SERVICE FEE
The preferred home warranty in America
Rating 4.0
The preferred home warranty in America
Cost yearly on average: $517
$50 to $100 in service fees
Why We Selected It
Due to their lowest-in-industry $50 service cost choice (you may also select a service price of $100 or $125), America’s Preferred Home Warranty takes the top spot in our Best for Low Service cost category. The monthly cost of the plan decreases as the service price increases, allowing you to create a plan that is tailored to your needs. The Better Business Bureau has given the business an A+ rating.
Cons & Pros
Pros
Choose your own qualified technician
Rated A+ by the Better Business Bureau
Cons
fewer alternatives for plans
Overview
Plans and Costs
The typical America’s Preferred Home Warranty plan is $517, with a $25,000 maximum aggregate payout. The business declined to provide an estimate for its claim response period, noting that it depends on the contractor who is independent you select. In California, the business does not provide coverage.
The company offers two plans (price varies depending on the service cost you select), although its service fees are flexible:
Central air conditioning or heating systems, a water heater, a washer/dryer, a built-in dishwasher, a refrigerator, a range/oven/cooktop, a disposal for waste, a built-in microwave, a septic tank, attic and exhaust fans, an opener for a garage door, a water well pump, a roof leak repairer, ductwork, and a humidifier are all included in standard coverage.
Everything in the Standard Coverage plan is included in the Preferred Upgrade, as well as cooling refrigerant recovery, ceiling fans, smoke detectors, burglar alarms, lights, doorbells, a $250 allowance to fix code violations, and greater protection for many of the Standard Coverage plan’s items (such as water heater sediment buildup).
Coverage
You can add coverage for any of the following to your plan to make it more unique:
supplementary refrigerators
propane fireplace
indoor pool and spa
Bathtub with jets
preferred improvement
Spa and saltwater pool
irrigation system
Termite prevention
water conditioner
HIGHEST PAYOUT
Home Warranty by Sears
Rating 3.6
Home Warranty by Sears
Cost yearly on average: $719.88
Cost of services: $75 to $100
2 to 24 hours for a response
Why We Selected It
The largest payout ceiling in the sector is offered by Sears Home Warranty ($50,000 aggregate limit; $10,000 per claim). According to Transformco, which in 2019 bought Sears, the business has an A+ Better Business Bureau rating and serves the lower 48 states.
Cons & Pros
Pros
Guaranteed service for 180 days
Product substitutions
Cons
Numerous complaints from clients
Sears Holdings continues to be bankrupt.
Overview
Plans and Costs
The average Sears House Warranty plan has a yearly aggregate payment cap of $50,000 and costs $720 on average. According to the company, it usually answers to claim applications within two hours (or 24 hours on holidays), with a 13-hour average response time.
There are three warranty options available to you:
Appliance Plan ($49.99/month): range/oven/cooktop, built-in microwave, built-in trash compactor, built-in dishwasher, washer/dryer, and refrigerator with ice maker.
Central air conditioning, central heating, plumbing, water heater, freshwater softener, faucets and toilets, garbage disposal, plumbing blockages, electrical system, fans for the ceiling, and garage door opener are all included in the Systems Plan ($59.99 per month).
Everything covered by the Appliance and Systems plans is included in the Whole Home Plan ($69.99 per month).
All plans come with discounts on various appliance and system repairs, as well as one free preventive maintenance check each year for each of the heating and cooling systems.
Coverage
The following addition coverage options are available from Sears Home Warranty to personalize your plan:
heated pool and/or spa
sewage holding tank with pump
independent freezer
a sump pump
a well pump
THE BEST MEDIAN PLAN COST
Home Warranty by TotalProtect
Rating 4.6
Warranty Total Protect for Homes
Cost yearly on average: $423.40
Cost of services: $75 to $125
2 to 24 hours for a response
Why We Selected It
TotalProtect earns the title of Best Average Plan Cost with an annual premium average of just $423. The District of Colombia and all 50 states are covered by the company. TotalProtect received a good overall rating, but it had lower BBB customer satisfaction review scores than the majority of the businesses we looked at. Still, TotalProtect might be the best option if plan affordability, particularly for a basic plan, is the key factor.
Cons & Pros
Pros
nationwide protection
$423 on average per year for a plan
Guaranteed servicing for six months
Quick response times for claims
Cons
consumer dissatisfaction is low
not listed with the Better Business Bureau
Unreasonably high service charges
Overview
Plans and Costs
The average TotalProtect insurance has a payment cap of $1,000–$3,000 per covered item per year, and it costs $423 on average. According to the business, it takes an average of 13 hours to address maintenance requests.
Three plans are provided by TotalProtect:
Washing machine/dryer, range/cooktop/oven, stove exhaust hood, fridge, dishwasher, the microwave, and built-in trash compactor are all covered by ApplianceProtect ($32.99 each month with a $125 service fee per claim).
The following items are covered by SystemsProtect ($44.99 per month with a $125 service charge per claim): heating and cooling systems (two units each), accessible ductwork, wiring, ceiling fans, garage door openers, detectors for smoke, interior plumbing and gas lines, garbage disposals, water heaters, sump pumps, plumbing stoppages, whirlpool/jetted bathtubs, toilets, and up to $1,200 in emergency lodging payment (one claim per year).
Everything covered under the ApplianceProtect or SystemsProtect plans as well as a $1,000 homes insurance deductible refund (one claim per year) are included in TotalProtect ($54.99 a month with a $125 fee for service per claim).
Coverage
Total Protect offers several alternatives for supplemental coverage, including:
Faucets
heater for the spa or swimming pool
external gas line
external sewer line
external water line
(Provides extra advantages on a covered plan) Premier upgrade package
Pumping a septic tank or a septic tank
Spa
independent freezer
watering hole
Combination pool/spa
water conditioner
system for well pumps
Compare the Best Home Warranty Companies
| COMPANY NAME | PRICING | SERVICE FEE | PLAN OPTIONS | PHONE NUMBER |
| AFC Home Club (America’s 1st Choice)BEST OVERALL | Request a Quote | $75 to $125 | 4 | (888) 442-2561 |
| American Residential WarrantyBEST RUNNER-UP | $480 to $1,500 per year | Not disclosed | 6 | (888) 840-0005 |
| First American Home WarrantyBEST RELIABLE COVERAGE | Request a Quote | $85 | 2 | (888) 875-0533 |
| One Guard Home WarrantiesBEST REGIONAL SERVICE | $379 to $699 per year | $69 to $75 | 3 | (888) 896-0014 |
| CinchBEST SERVICE FEE OPTIONS | $336 to $480 | $100 to $150 | 3 | (877) 891- 7134 |
| American Home ShieldBEST PLAN SELECTION | Request a Quote | $75 to $125 | 3 | (888) 698-0442 |
Final Conclusion
There are numerous options for home warranty providers, but our top picks provide flexible plans, nationwide coverage, affordable service costs, and top-notch customer support. We also looked into service providers that let you pick your technician, which is a useful option if you want to continue working with the same service providers.
A Home Warranty: What Is It?
Choosing the Most Effective Warranty Companies: A Guide
With so many providers and policies to compare, picking the best home insurance can be challenging. When you’re prepared to purchase a home warranty, make sure you follow these instructions:
Comparing prices online.
Find a package that includes the systems and appliances you desire, and make sure it’s available in your area.
Check out the coverage caps that a company provides. Most items are normally covered for at least $2,000 per year by reputable home warranty providers.
Compare the cost of the policy to the service charge levied by home warranties. For instance, if you expect a lot of repairs, a more costly policy with a reduced service fee can be more advantageous.
Look for businesses with simple claim procedures. When something goes amiss, making a service claim should be simple and quick, whether done over the phone or online.
You could make an upfront payment for the entire year or arrange monthly payments after selecting a plan, service charge, and any additional coverage. The majority of businesses require a waiting time of between fifteen and thirty days after purchasing the policy before coverage kicks in.
You can begin using the house warranty after that time frame is ended. Your coverage usually starts when you closed on your new home if you purchased or were given a house warranties as part of a home purchase.
Although the specifics vary depending on the company, the overall operation of a house warranty is as follows:
You can file a claim online or over the phone with the house warranty provider if one of the covered systems or appliances malfunctions. Most businesses have customer support agents on hand 24 hours a day, seven days a week.
A service provider is picked by your home warranty company.
The service provider gets in touch with you to schedule a time.
The professional visits your house to identify the issue. The technician fixes or replaces the item if it is covered.
Depending on your plan, you can either pay the service money directly to the service technician or to the house warranty provider. The rest is handled by the home warrant
