The 8 Best Home Warranty Companies (2025 Guide!)

American Home Shield stands out for its flexible service fees and excellent reputation. They are an award-winning home warranty company that allows you to pick your own premiums and deductibles. 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. The most basic plan covers all built-in systems and doesn’t have a coverage cap. The next option has a coverage cap of $3000 which applies to home appliances but does not include an HVAC tune up. The premium plan 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.

They have over $2 billion paid out in claims in the past 5 years with a professional network of over 17,000 contractors serving 1.8 million members over their 45 years of home warranty experience.

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 vary greatly. Even the most basic package covers appliances like washers, dryers, and dishwashers, but you’ll have to upgrade to a higher level if you want one that includes home systems like HVAC, electrical, and plumbing repairs. 

You can also choose add-ons like pest control, gutter cleaning, generator coverage, and more to cover everything in your home. 

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.

Liberty Home Guard is the BBB’s only A+ accredited home warranty company in existence. They have 24/7 claims support and dedicated account management to ensure fast response times during emergencies.

You can start using Liberty Home Guard for just $1/day with no commitment.

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. Even the most basic plan covers appliances including washers, dryers, refrigerators, and cooktops.

The more inclusive plan covers systems like HVAC, plumbing, electrical, and water heaters for the same cost, and the highest tier plan covers all the systems and appliances included in the first two 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.

Select Home Warranty also promises to beat any competitor’s price to keep prices low. There are low-cost plans that include options for both appliance and system coverage. All coverage comes with 24/7 support and a workmanship guarantee.

There are no home pre-inspection requirements to sign up, and there are great promotions throughout the year which tend to waive monthly payments.

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 range from major appliances, all the way to ice makers and built-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.

Some of the other benefits of America’s First Choice include the ability to get a quote in 30 seconds. They also allow you to choose your own service technician that responds to your claim. There is also a 24/7 live support line to help with emergencies.

If something is repaired, it comes with a lifetime work guarantee on parts and labor.

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.

The basic plan covers most appliances, while the premier 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.

First American Home Warranty has been in business for more than 35 years, and will replace items even if they were improperly installed, modified, or maintained.

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.

CINCH has thousands of reliable, fast, local technicians on speed-dial, ready to help with your claim.  They also offer a $500 homeowner insurance deductible reimbursement with a 180-Day Workmanship Guarantee.

CINCH is BBB accredited with 40 years of experience, and gets great customer reviews for their 24/7 customer service.

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.

The cheapest plan covers a wide range of kitchen appliances such as refrigerators, built-in microwaves, and dishwashers. The next plan up covers all appliances including those in the basic plan as well as built-in home systems. The premium 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.

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.