Compare Top Home Warranty Companies

Don't get caught unprepared when a major appliance in your home breaks. Find the best protection from unexpected costs on home repairs, and keep all of your major systems running all year round.

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Choice Home Warranty
Comprehensive, flexible and value-priced home warranties...
  • $50 off plus 1 month FREE
  • Fast, reliable, local technicians
  • Fix or replace guarantee
  • 24/7 claims hotline
9.9
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Select Home Warranty
For homeowners looking for basic coverage at an affordable price...
  • Up to 40% off home warranties
  • Best-in-service award
  • AC, heat, appliance coverage
9.4
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Total Home Protection
Fast and effective protection with a network of trusted contractors...
  • $50 off + 1 month FREE
  • A BBB rating
  • 30-day money-back guarantee
9.1
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AFC Home Club
The home warranty coverage with bonus shopping discounts...
  • 10% off all annual plans
  • Claims department 24/7
  • BBB accredited
8.8
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Advanced Home Warranty
Dedicated service professionals that handle each claim personally...
  • 24/7 claims hotline
  • First month free
  • Fast & dependable service
8.3
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First American Home Warranty
Offers multiple unique plans and customizations...
  • No coverage limits on most items
  • 30+ years in business
  • Low service call fee
8.1
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American Home Shield
Long standing and affordable provider with great service...
  • Affordable plans
  • For home buyers and sellers
  • 24/7 customer support
8.1
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InHome Warranty
For homeowners who want a basic plan with an affordable premium...
  • 24/7 claims department
  • Hundreds of qualified technicians
  • Coverage for all appliances
7.6
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What Home Warranty Has to Offer to a Homeowner

You just purchased your dream house along with the all the perfect décor that turns your dream house into your dream home. It's been a few months and everything is unpacked and placed in its designated spot within your new home. So you turn your attention to rebuilding your savings account since it was depleted from the biggest and most important purchase of your life. However, within a few months of living in your dream home, you experience a costly unexpected expense when your heater blows out during the winter.

With a new mortgage payment and a limited amount in savings, you're looking at numerous financial options on how to pay for this unexpected expense. Fortunately, you purchased a home protection plan that will cover this expense as well as any major systems and appliances that may need repair or replacement in your home.

What Does a Home Warranty Include?

Home warranties typically include coverage the following major appliances and systems:

  • Central air conditioning systems

  • Central heating systems

  • Humidifiers

  • Interior electrical systems

  • Refrigerators

  • Ranges, ovens, and cooktops

  • Dishwashers

  • Built-in microwaves

  • Water heaters

  • Plumbing systems 

  • Garbage disposals

  • Washers and dryers

  • Garage door openers

  • Roof leaks

When Do You Need a Home Warranty?

Home warranties are offered to all homeowners whether they are new or existing. Typically, home warranty plans are offered to the home-buyer when they are purchasing a new home. However, if the buyer decides not to purchase home warranty insurance simultaneously with their home purchase, then they can secure a home protection plan at a later date. There is no time restriction as to when a homeowner can decide to purchase a warranty plan.

Cost Involved with a Warranty for Your Home

Typically, a home warranty costs a couple hundred dollars, which can be paid in a lump sum amount during the purchase of a new home. This lump sum payment would be collected at the time closing costs are due for the newly purchased home. However, the seller, real estate agent or a family member or friend can purchase home warranties on behalf of a home-buyer. If a home appliance insurance claim is filed then the homeowner may be responsible for paying a service fee or deductible that typically ranges from $50 to $100. Please note, home warranty companies have different contract agreements therefore, fee amounts may vary.

Home Warranty Process

Filing a claim is a very simple process. Prior to filing your claim, review your insurance contract to verify the item that you need to repair or replace is covered under your plan. Once you verify this information, you'll complete the following steps:

  1. Contact your home warranty insurance company to file a claim.
  2. The insurance company will review their home warranty plans to verify that you have a plan that covers the item in question.
  3. The insurance company will schedule an appointment for you with a local contractor.
  4. The contractor will diagnosis the situation and makes a recommendation to repair or replace the item in question.
  5. Repairs and replacements will be carried out.
  6. You will pay a cost in the form of a service fee to the insurance company.
  7. Process is complete.

 

Conclusion

As there are many providers to choose from that have a variety of plan options; the best home warranty companies depend on how they can meet the needs of your home. The best way to select the right home protection plan for you is by doing your research on what each company has to offer with their plans. For instance, if you have a home with older appliances then you may be interested in locating a plan that has home appliance insurance. Want to learn more before choosing? Here are some tips and tricks to get you up-to-date.

Convinced? Check out our expert written reviews for information on the top providers for home insurance. Once you've selected the plan that best fits your needs, you'll join the many homeowners that have peace of mind because they are protected by one of the top home warranty companies. 

 

FAQ

  • What do home warranties cover?

    What do home warranties cover?

    Home warranties act as a protection plan for unexpected repairs after you purchase a home. Systems such as electricity, plumbing, heating and air conditioning are usually included. Some plans cover major appliances including clothes washers and dryers, ranges or range tops, refrigerators and garbage disposals while others include garage door openers, built-in microwave ovens, trash compactors and sump or well pumps. Many home warranty companies offer special plans or customization options that allow you to add more coverage if desired.

  • How much do home warranties cost?

    How much do home warranties cost?

    Pricing varies depending on the type of property you're purchasing. Coverage for a single-family home typically costs somewhere between $175 and $400 per year. Extra coverage incurs a higher fee. Plans may be paid for up front or in installments depending on the policy of the warranty company. Factors that shouldn't affect pricing include square footage and the age of the home. An exception is new homes, which may cost a little more. Note that most warranties require you to pay a small service fee each time a repair technician or contractor is called.

  • Is homeowner's insurance the same as a home warranty?

    Is homeowner's insurance the same as a home warranty?

    No. Insurance and warranties for your home are two separate things. Homeowner's insurance, also known as "hazard insurance," is meant to cover outside threats such as water damage, hail, fire, high winds, certain types of vandalism and other potential damage to the structure of your home or the items stored within it. Homeowner's insurance may also include liability coverage to protect you in the event that someone gets hurt while on your property. By contrast, home warranties cover repairs to household systems.

  • What do home warranties cover?

    What do home warranties cover?

    Home warranties act as a protection plan for unexpected repairs after you purchase a home. Systems such as electricity, plumbing, heating and air conditioning are usually included. Some plans cover major appliances including clothes washers and dryers, ranges or range tops, refrigerators and garbage disposals while others include garage door openers, built-in microwave ovens, trash compactors and sump or well pumps. Many home warranty companies offer special plans or customization options that allow you to add more coverage if desired.

  • How much do home warranties cost?

    How much do home warranties cost?

    Pricing varies depending on the type of property you're purchasing. Coverage for a single-family home typically costs somewhere between $175 and $400 per year. Extra coverage incurs a higher fee. Plans may be paid for up front or in installments depending on the policy of the warranty company. Factors that shouldn't affect pricing include square footage and the age of the home. An exception is new homes, which may cost a little more. Note that most warranties require you to pay a small service fee each time a repair technician or contractor is called.

  • Is homeowner's insurance the same as a home warranty?

    Is homeowner's insurance the same as a home warranty?

    No. Insurance and warranties for your home are two separate things. Homeowner's insurance, also known as "hazard insurance," is meant to cover outside threats such as water damage, hail, fire, high winds, certain types of vandalism and other potential damage to the structure of your home or the items stored within it. Homeowner's insurance may also include liability coverage to protect you in the event that someone gets hurt while on your property. By contrast, home warranties cover repairs to household systems.