A Definitive Ranking of Home Warranties: What You Need To Know


With these companies, you’ll know exactly what's covered

Finding the right home warranty can be a difficult, even risky, process. Numerous companies claim that they’ll be there when something goes wrong but then catch you in the fine print and don’t cover your repairs when you need them most.

One common problem is that consumers don’t check their contracts carefully and are unaware of the specific, sometimes complicated, terms under which their home warranty company will foot the bill for expensive repairs and replacements.

After reviewing dozens of companies nationwide, we’ve narrowed down 3 leading home warranty providers that offer clear terms and cover the majority of claims. With these companies, you’ll know exactly what you’re paying for and under what conditions they’ll cover the full cost of your claim.

1. Choice

  • 1st month FREE
  • Full coverage on all systems 
  • Full coverage on system components
  • Does not cover pre-existing conditions

Choice stands out as the top pick in the industry for consumers. Under Choice’s terms, all appliances and systems included in your contract are fully covered. This coverage includes all individual components. Their "Basic Plan" is ideal if you want major systems covered in a worst case scenario without paying for a comprehensive plan that you may not need right now. Choice’s biggest selling point is their straight-forward and precise contract. If you review your contract carefully and fully understand its terms, you won’t be surprised when you file a claim.

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2. Select

  • Plans for less than $30/month
  • 2 months free upon signup
  • All properly installed systems are covered
  • Does not cover commercial properties

Select is a close runner up with affordable plans and attractive promotions. They offer 3 different coverage tiers, ranging from the most basic to more comprehensive. They stand out on several points. For example, they offer special emergency support for claims that require  attention within 24 hours. They also offer service free of charge if a repair fails and another technician is needed. However, they do not cover systems that were not properly installed. So make sure that a home inspection shows that your systems meet this requirement.

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3. American Home Shield

  • Build your own warranty
  • Most popular & most experienced
  • 24/7 support
  • Highly rated customer service

American Home Shield is good on several fronts. First they’ve been in the industry for over 40 years and have consistently high customer service ratings. Secondly, they give you the most room to tailor your home warranty to specific needs. For example, they offer a “build-you-own” option that allows you to create your ideal warranty without paying for add-ons. AHS will not, however, cover problems that arise from “insufficient maintenance”.

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With this definitive ranking you’ll make the right choice, covering your home without setting yourself up for an unpleasant surprise when something goes wrong.

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