The 8 Best Home Warranty Companies (2022 Guide!)

A home warranty is something all homeowners should look into. It’s a contract that provides the owner with discount repairs and replacement services. It comes in handy in reducing the rates of expensive repairs.

There are several reasons why an agent may want to partner with a home warranty company. They can recommend that sellers get a warranty from their partner company and offer it to buyers as part of their package. This will make the home more attractive, so it gets more, and higher, offers.

Agents can also refer new buyers to home warranty companies making their ownership experience more pleasant which, in turn, improves their professional reputation.

But the efforts you make to connect buyers and sellers to warranty companies will only work to your advantage if you partner with reputable providers. This guide covers the top eight choices so you can find the one that’s right for you.

The 5 Best Home Warranty Companies

Best Overall : American Home Shield Repairs

Top Features: Flexible service fees, comprehensive coverage

American Home Shield stands out for its flexible service fees and excellent reputation. Unlike other warranty plans, HVAC systems are covered on the company’s most basic option. They work with you to arrive at fees and premiums that are suited for your budget They also allow you to choose your own contractors if you wish.

They offer three plans as follows:

  • ShieldSilver ($29.99-44.99): This most basic plan covers all built-in systems and doesn’t have a coverage cap.
  • ShieldGold ($39.99-$54.99: ShieldGold has a coverage cap of $3000 which applies to home appliances but does not include an HVAC tune up.
  • Shield Platinum ($59.99-$74.99): Shield Platinum has a $6000 coverage limit per appliance. It also includes coverage for roof leaks, code upgrades up to $1000, HVAC tune-ups and discounts on air filters.

The company allows customers to choose service call rates of $75, $100 or $125. Like most plans, the more you pay for service calls, the lower your premium will be and vice versa.

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American Home Shield Repairs Pros
  • Flexible fees that can be worked out according to the customer’s budget
  • Generous coverage caps
  • Coverage for pre-existing conditions
American Home Shield Repairs Cons
  • Does not offer coverage on as many items most providers cover

Best Runner-Up: Liberty Home Guard

Top Features: Fast response time

Liberty Home Guard is rated as one of the best home warranty companies due to their fast response time. They have a live chat on their website that is not offered by most other companies which allows customers to get a status update on home repairs right away.

The plans Liberty offers are as follows:

  • Appliance Guard ($69.99 per month): This plan covers appliances like washers, dryers, and dishwashers.
  • Systems Guard ($74.99 per month): This plan covers home systems like HVAC, electrical, and plumbing.
  • Total Home Guard ($79.99 per month): The Total Home Guard Plan covers all systems and appliances included in the more basic plans.

You can also choose add-ons like pest control, gutter cleaning, generator coverage, and more.

Service fees are added to your account based on your plan and range from $65 to $125. All items are covered up to $2000 and come with a 60-day guarantee.

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Liberty Home Guard Pros
  • 60-day guarantee on repairs
  • Low service call fee
Liberty Home Guard Cons
  • Service fees can get confusing
  • Plans and service fees are not customizable

Best on a Budget: Select Home Warranty

Top Features: Wide variety of add-ons available

This company is a favorite due to its affordability. Their service plans are all priced below $50 and include roof leak coverage which usually costs $400 annually and is not included in most plans. They offer the following plan options:

  • Bronze Care ($41.67 per month): This plan covers appliances including washers, dryers, refrigerators, and cooktops.
  • Gold Care ($41.67 per month): The Gold Care plan covers systems like HVAC, plumbing, electrical, and water heaters.
  • Platinum Care ($46.08): This highest tier plan covers all the systems and appliances included in the Gold and Bronze plans as well as ceiling fans and garage door openers.

You can also opt for add-ons to cover central vacuums, sprinkler systems, pools, spas and more.

Systems are covered up to $2000 and appliances have a coverage cap of $500. Some plans come with a 30-day guarantee.

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Select Home Warranty Pros
  • Discounts available for multi-year coverage plans
  • Company responds to most claims within 12 hours
Select Home Warranty Cons
  • Standard plans don’t cover fixtures
  • Lower coverage caps as compared to competitors

Best Value: America’s First Choice Home Club

Top Features: Parts and labor are guaranteed throughout the span of your membership

America’s First Choice makes the list for its customizable options, its variety of add-ons, and the fact that it offers four different plans. It’s ideal for homeowners who are looking for some personalization in their home warranty policies. The plans offered include the following:

  • Silver Plan ($33-$37.67 per month): This plan covers major appliances.
  • Systems Plan ($40 – $44.75): This covers home systems like plumbing and electrical.
  • Gold Plan (47.08-$51.83): The Gold Plan covers systems and appliances
  • Platinum Plan ($51.83-$56.50): The Platinum Plan covers all systems in the Gold Plan as well as ice makers and built-in microwaves.

There are also a variety of add-ons available for sump pumps, spas, septic systems, and more.

Service call fees are priced at $75, $100, and $125. Appliances are covered by a $2000 cap. Systems vary depending on their value. Guarantees are available for workmanship on repairs and replacements and vary based on the plan.

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America’s First Choice Home Club Pros
  • The company offers perks including credit monitoring, emergency alerts, and identity protection
  • Customization is available within the 4 plan options
America’s First Choice Home Club Cons
  • Claims must be reported within 24 hours of discovering the issue
  • Members must pay a $75 fee if they cancel the plan within the first 30 days

Most Popular: First American Home Warranty

Top Features: No coverage cap on certain systems

First American Home Warranty is exceptional due to its basic plan pricing. You can get in on the ground floor with this company for just $36. It also offers a First-Class Upgrade that covers appliances with pre-existing issues which is rare in the home warranty industry.

Plans offered are as follows:

  • Basic Plan ($36 per month): This plan covers most appliances.
  • Premier Plan ($46.50 per month): This plan covers all appliances covered in the Basic Plan as well as home systems.

You can also get a variety of add-ons for central air conditioning, additional refrigerators, septic systems, and more.

All service fees are $85. There is a $3500 coverage limit for appliances and no set limit for built-in systems. The work is guaranteed for 30 days.

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First American Home Warranty Pros
  • Pest control is included in coverage
  • Affordable rates
First American Home Warranty Cons
  • Air-conditioning coverage is only available as an add-on
  • Coverage is only available in 35 states, considerably less than most companies offer

Honorable Mentions:

The companies listed above are top choices. Now here are a few runners up that are worth a mention.

Cinch Home Servicescinch logo

Cinch gets a nod due to its exceptionally long, 180-day work guaranty. It also offers a $500 home insurance deductible for homeowners that purchase the Complete Home Plan. Here’s a review of what their plans include:

  • Appliances ($27.99-$50.99): As the name suggests, this plan covers various home appliances.
  • Built-in Systems ($32.99-$57.99): This plan offers coverage for built-in systems.
  • Complete Home Care Plan ($39.99-$67.99): This plan covers appliances and built-in systems. It also includes the $500 home insurance deductible.

Add-ons range from $4.58 and $22 per item and include pools, spas, septic tanks, and water pumps.

Service fees are priced at $100, $125, and $150. Coverage caps are $1500 for air conditioning and $1000 for plumbing systems. This will be subtracted from the total coverage limit of $10,000 for all covered items.

You can also purchase a Premier Upgrade Package that increases caps to $1000 which can be helpful in emergency situations.


  • Homeowners are eligible for a credit of $25 for air conditioners and water filters.
  • A $50 Green Reward rebate is available for energy efficient products.
  • The policy covers items damaged by rust or corrosion.


  • Roof leak protection is not included in any Cinch plans
  • Limited list of add-ons


2-10 Home Buyers Warranty210 logo

2-10 is a great choice for home warranty coverage as it provides affordable pricing, a wide range of add-ons, customizable service fees, comprehensive plans, and transparent coverage cap limits. It offers 3 plan options as follows:

  • Simply Kitchen ($15.49-$25.18 per month): This plan covers a wide range of kitchen appliances such as refrigerators, built-in microwaves, and dishwashers.
  • Complete Home ($47.09-$57.94): This covers all appliances including those in the Simply Kitchen plan as well as built-in home systems.
  • Pinnacle Home ($62.41-$72.27): The Pinnacle Home Plan covers all systems and appliances included in the complete home plan as well as attic and basement exhaust fans, washers and dryers, faucets and faucet handles, cut-off switches and more.

Add-ons of the plan include freestanding freezers, additional refrigerators, additional wine coolers, washers, dryers and more.

Service fees are priced at $65, $85, and $100.


  • Flexible call service fee model
  • Workmanship is guaranteed through the time you hold your plan
  • Contract terms are broken down into language the homeowner can easily understand


  • It can take the company up to 48 hours to respond to the claim
  • No systems-only plans available


ARW Homeawr home logo

Formerly known as American Residential Warranty, ARW offers exceptionally low service call fees and customizable plans. It comes with a comprehensive electronic plan and add-ons for food spoilage and humidifiers, which are rarely included in other warranty policies. Plans include the following:

  • Kitchen Plus ($39.99): This covers six kitchen appliances as follows: refrigerators, cooktops, dishwashers, built-in microwaves, kitchen exhaust fans, and garbage disposals. It also applies to water heaters and interior electrical systems.  
  • Heating and Cooling ($43.78): This basic plan offers coverage for heating and cooling systems, humidifiers, and interior electrical systems.
  • Platinum Plan ($54.50):: The Platinum Plan includes everything in the Kitchen Plus Plan and Heating and Cooling Plan combined. You can opt to purchase it without air-conditioner coverage which will lower your premium.
  • Platinum Premier ($64.99): The Platinum Premier offers the same coverage the Platinum Plan provides but also applies to plumbing systems, ductwork, ceiling fans, and garage door openers. Like the Platinum Plan, you can also purchase it without air-conditioning coverage to lower your premium.
  • 4-in1 Bundle ($134.99): The 4-in-1 bundle offers all items listed above as well as washers, dryers, sewer and water line stoppage, and stand-alone add-on packages.

Add-ons include swimming pools, spas, plumbing systems, water heaters, range, ovens, cooktops, and more.

Service call fees stand at an affordable $55.

A home warranty company can save homeowners a considerable amount of money. Now that you know the best ones out there, you can decide which to partner with to provide your client with a great experience. Which do you think is best suited to your client’s needs?

What is a Home Warranty?

A home warranty is a contract that provides discounts on certain repairs and replacements. Unlike home insurance, it is not required. However, it’s a good idea for homeowners to have it.

Homeowners insurance covers structural damage to the home caused by theft, natural disasters, or fire. It differs from a warranty which covers the cost of repairing or replacing an item that breaks down due to normal wear and tear. It is used for systems and appliances such as:

  • Air conditioners
  • Built-in microwaves
  • Garbage disposals
  • Plumbing
  • Heating systems
  • Refrigerators
  • Water heaters
  • Electrical systems
  • Ovens
  • Ductwork
  • Dishwashers
  • Washers and dryers

What to Look for in a Home Warranty Company

There are several things to consider when choosing a home warranty company to partner with. These are as follows:

  • Type of Plan: Home warranty companies typically have a variety of plans available. Some will cover only appliances; others will cover only systems while still others cover both systems and appliances. The company you choose should offer the plan that’s right for you.
  • Rates: It goes without saying that you’ll want to choose a company that offers affordable rates. When shopping for rates, consider the premium as well as the service call pricing.
  • Review the Sample Contracts: The companies you’re considering should provide you with a sample contract that you can review before signing on the dotted line.
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