Is a Home Warranty Worth It?
Protect your home with top-rated home warranty services that cover costly repairs for systems and appliances. Wondering if it’s worth having a home warranty? For peace of mind and financial security, the answer is yes.
🔥 Get a $150 OFF Any Plans + 2 Extra Months FREE
- Trusted by Forbes, NerdWallet & MarketWatch
- Coverage for HVAC Systems & Home Appliances
- Free Roof Leak Coverage & Multi-Year Discount
- Flexible: No Home Inspection Required
- Hassle-Free Claims Online or by Phone
CYBER SALE! Get $50 Off + 1 Month Free
- Nationwide Network of 25,000+ Local Contractors
- Over 6,600,000 Service Requests Handled
- Protecting Over 2,000,000 Homes Across the USA
- 24/7 Call Centers for Customer Support
Limited Time Offer: $150 OFF Select Plans
- Plans start at $29.99 a month
- Covering 2 Million Plus Members for 50+ Years
- No Age Limits On Covered Systems & Appliances
- Free HVAC Tune-up With ShieldPlatinum™
Limited Time Offer: $300 Off All Plans + Extra 10%
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Use Code HOLIDAY for 2 Months Free + Roof Lead Protection
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Offers Two Easy Plans With Customizable Pricing
- Rated A+ in Customer Claims Resolutions
- 24 Hour Claim Response Time
- Holiday Sale: $250 Off + Free Roof Leak Coverage
- Covers HVAC, Plumbing, Appliances & more
- Unique Member Benefits & Discounts
- Guarantees Repairs for Life of Plan
- $250 OFF + 2 FREE months & FREE Roof coverage
- Fastest Turnaround Time In the Industry
- All Technicians are Licensed & Pre Screened
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Highest Renewal Rate in the Industry
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Holiday Savings: Get $150 Off Any Plan + First Month Free
- Named Best Coverage Plans by U.S. News
- Backed by 90-day Parts & Labor Warranty
- Free Price Quote, No Cancellation Fees
🔥 Get a $150 OFF Any Plans + 2 Extra Months FREE
- Trusted by Forbes, NerdWallet & MarketWatch
- Coverage for HVAC Systems & Home Appliances
- Free Roof Leak Coverage & Multi-Year Discount
- Flexible: No Home Inspection Required
- Hassle-Free Claims Online or by Phone
What is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of important appliances and systems components that break down over time. It provides financial protection and peace of mind by handling unexpected breakdowns, typically through a network of qualified service technicians.
How to Choose the Best Home Warranty Company?
When you're choosing between the best home warranty companies, focus on getting coverage that fits your needs, covering the essential systems and appliances in your home. Compare home warranty companies and make sure the pricing is clear, with no hidden costs, and that they offer a smooth and reliable claims process. It's important to choose a company with a solid network of service providers and good customer reviews. Look for flexible home warranty plans and excellent customer service, and always check the terms and conditions, including any limits or exclusions, so there are no surprises down the road.
Best Home Warranty Plans & Services
The best home warranty plans cover major systems and appliances, including HVAC, plumbing, and electrical, with flexible options to customize based on your needs. The best home warranty insurance plans typically include transparent terms, a straightforward claims process, and access to a large network of qualified service technicians.
What is a Home Appliance Warranty?
A home appliance warranty or appliance insurance is a service contract that covers the repair or replacement of your household appliances if they break down due to normal wear and tear, like refrigerators, ovens, dishwashers, and washing machines. Unlike homeowners insurance, which covers damage from events like fires or floods, home appliance insurance specifically focuses on mechanical failures and general wear of appliances.
Are Home Warranties Worth It?
A homeowners warranty is a smart investment for homeowners who want peace of mind and protection against the high costs of unexpected repairs. Home warranties ensure that when something breaks down, you’re not left with a hefty repair bill. A home warranty that covers HVAC is especially valuable for older homes.
Home Warranty for Sellers
A seller’s home warranty protects major systems and appliances while your home is on the market, covering unexpected repairs and avoiding last-minute negotiations. It’s a cost-effective way to make your property more appealing, with transferable coverage to buyers for added peace of mind and a smoother sale.
Read our home warranty reviews below to compare plans, coverage and pick the best home warranty company for your needs.
Select Home Warranty
🏆 Best for Budget-Conscious Homeowners
Company Overview:
Frequently rated among the nation’s top home warranty companies, Select Home Warranty has been providing peace of mind and trusted service to Americans throughout the United States since 2012. With reasonable monthly costs, and flexible coverage, Select provides home warranties for homeowners, buyers, and sellers.
Plans, Pricing & Coverage:
Select Home Warranty offers three primary plans: the Bronze Care, Gold Care, and Platinum Care. Pricing is competitive, with monthly premiums starting around $60, depending on the plan and location. They also offer optional add-ons for items like pools, well pumps, and roof leaks, allowing homeowners to tailor their coverage.
The Bronze Care Plan covers:
Clothes Washer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher, and Clothes Dryer.
The Gold Care Plan covers:
AC, Cooling, Heating System, Plumbing System, Electrical System, Water Heater, and Ductwork.
The Platinum Care Plan covers:
AC, Cooling, Heating System, Plumbing System, Electrical System, Water Heater, Ductwork, Plumbing Stoppage, Clothes Washer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher, Clothes Dryer, Garage Door Opener, and Ceiling Fan, combining both for extensive coverage.
Customer Service & Claims Process:
Select has a large network of licensed, insured contractors to ensure timely repairs throughout the country. They offer 24/7 support, with a straightforward claims process that can be initiated online or by phone. Service fees per claim are typically around $75, which is lower than many competitors, making it more affordable for homeowners when service is needed.
Choice Home Warranty
🏅Best for Higher Maximum Payouts
Company Overview:
Choice Home Warranty, established in 2008, provides nationwide home warranty services to protect you from unexpected repair costs for major systems and appliances. With 24/7 support, over 6.6 million service requests handled, and a network of 25,000+ contractors, it has earned thousands of 5-star ratings while covering more than 2 million homes across the U.S.
Plans, Pricing & Coverage:
Choice Home Warranty offers two primary plans: the Basic Plan and the Total Plan. Pricing is competitive, with plans starting around $55 per month, depending on location and coverage options. Optional add-ons are available for items like pools, septic systems, and well pumps, allowing homeowners to customize their protection.
The Basic Plan covers:
Systems and appliances like plumbing, electrical systems, and water heaters.
The Total Plan provides more comprehensive coverage:
Including air conditioning, refrigerators, and clothes washers/dryers.
Customer Service & Claims Process:
Customer service at Choice Home Warranty is available 24/7. The company works with a network of licensed, insured contractors to deliver prompt and efficient repairs. The service fee per claim typically ranges from $85 to $125, which is standard in the industry.
American Home Shield
🏅Best for Customizable Coverage
Company Overview:
American Home Shield offers plans to fit your budget and protect your systems and appliances, no matter their age. No inspections or maintenance records are required to get coverage. With a network of thousands of qualified professionals, American Home Shield ensures your repairs are handled promptly, and if a covered item can't be repaired, it will be replaced.
Plans, Pricing & Coverage:
American Home Shield® offers three home warranty plans with flexible pricing, providing a solution for every home and budget.
The ShieldSilver™ Plan covers:
14 major systems, including heating, air conditioning, electrical, and plumbing systems, with coverage of up to $5,000 for heating and air conditioning repairs and discounted home maintenance services.
The ShieldGold™ Plan covers:
Parts of 23 major systems and appliances, including heating, air conditioning, electrical, plumbing, kitchen, and laundry appliances, with up to $5,000 for HVAC repairs and $2,000 per appliance for repair or replacement, plus discounted home maintenance services.
The ShieldPlatinum™ Plan covers:
Parts of 23 systems and appliances, plus roof leak repairs. Coverage includes heating, air conditioning, electrical, plumbing, kitchen, and laundry appliances, with up to $5,000 for HVAC repairs, $4,000 per appliance, $1,000 for roof leaks, $250 for code violations and permits, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for modifications.
Customer Service & Claims Process:
American Home Shield provides 24/7 customer support and a user-friendly online portal for managing claims. They offer a 30-day workmanship guarantee on repairs, ensuring homeowners receive quality service.