We may receive a fee if you click on the links below. Compensation does not influence rankings. Not all brands are featured. Learn more

Is a Home Warranty Worth It?

What is a home warranty and is a home warranty worth it? A home warranty protects you from unexpected repair costs by covering your home's major systems and appliances. But not all plans are created equal. Compare top home warranty services to find the best coverage and value for your home.

65% of visitors
selected this partner
65% of visitors  selected this partner
EDITOR'S CHOICE
Our Partner
65% of visitors
selected this partner
65% of visitors  selected this partner
SEE DETAILS

🔥 $150 OFF + 2 Months Free → Plans Under $1/Day!

  • Covers HVAC Systems, Home Appliances & more
  • Free Roof Coverage, No Home Inspection Required
  • Customizable Plans & Flexible Pricing
  • Request Home Repair Services 24/7 

 

✅ Get your free instant quote with no obligations

#2
Our Partner

Special Offer: $50 Off + 1 Month Free

  • Nationwide Network of 25,000+ Local Contractors
  • Handled More Than 8 Million Service Requests
  • Covered Over 2,400,000 Homes Across the USA
  • 24/7 Home Warranty Service
#3
Our Partner

Limited Time Offer: $150 Off All Plans*

  • Home Warranty Plans Starting at $29.99 a Mo.
  • Covering 2 Million Plus Members for 50+ Years
  • No Age Limits on Covered Systems & Appliances
  • No Inspections or Records Required
#4
Our Partner

SALE: $100 Off + Extra 15% with code "UNITED15"

  • Repairs for HVAC, Appliances & Major Systems
  • Thousands of Local Pros or Use Any Licensed Technician
  • Member Discounts on Home Security, Insurance & more
  • 24/7 Service, Guarantees Repairs for Life of the Plan
#5
Our Partner

Get $200 Off with Code FA200

  • $213 Million Saved By Homeowners in Repairs
  • Covers Up to $3,500 Per Home Appliance
  • Filing a Claim Does Not Increase Your Rate
#6
Our Partner

50% Off + 2 Free Months & Free Roof Coverage

  • Coverage for Systems & Appliances Starting at $1/Day
  • Wide Range of Add-Ons to Fit Your Home's Needs
  • Boasts the Industry’s Fastest Turnaround Time
  • Large Network of Licensed & Insured Technicians
#7
Our Partner

$200 Off + 2 FREE Months + Free Roof Leak Protection

  • Nationwide Network of LHG-Certified Technicians
  • 24/7 Customer Support with Same-Day Response Time
  • Large Selection of Add-Ons for Flexible Coverage
  • Easy Claims Processing via Intuitive Mobile App
#8
Our Partner

$150 Off + 2 Months Free - 30-Day Free Trial

  • Covers Parts, Labor & Installation
  • Receive Cash If an Item Can't be Fixed
  • Backed by a 90-day Work Guarantee
  • Free Quote, Cancel Anytime

65% of visitors
selected this partner
65% of visitors  selected this partner
EDITOR'S CHOICE
Our Partner
65% of visitors
selected this partner
65% of visitors  selected this partner
SEE DETAILS

🔥 $150 OFF + 2 Months Free → Plans Under $1/Day!

  • Covers HVAC Systems, Home Appliances & more
  • Free Roof Coverage, No Home Inspection Required
  • Customizable Plans & Flexible Pricing
  • Request Home Repair Services 24/7 

 

✅ Get your free instant quote with no obligations

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-Friendly Coverage

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.

$150 Off Any Plan, Free Roof Coverage + 2 Extra Months!

Choice Home Warranty

🏅Best for Older Homes

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.

Sign up today and get $50 off plus your first month free!*

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.

Sign up Today and Save $150* - Plans Starting at $29.99 a Month

Advertiser's Disclosures & Disclaimers:

Choice Home Warranty:

*Click Here to view complete limits of liability and any exclusions. See policy for specifics on response times. CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW's actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. In the event that CHW makes such payment, CHW will provide written notification of the basis for the amount of the payment. First Month Free with purchase of any single payment home warranty plan. The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer. View CHW Privacy Policy. *In California, CHW branded service contracts are issued and offered by Home Service Club of California, Inc. (“HSCCA”) and sold exclusively by Home Service Club of California Insurance Services, Inc. 

American Home Shield:

*Promotional pricing is available to new customers only. When applicable, discounts cannot be applied to previous purchases or combined with other offers. Not valid in conjunction with a real estate transaction. Discount only available for single-family homes and 5,000 sq. ft. (includes condos and townhomes). Coverage may not be available in all areas.

See the plan agreement for coverage details, including service fees, limitations and exclusions. Coverage limits and charges for non-covered items may apply. 

Products and services listed on this dynamic page may be shown, hidden, or have a different order based on criteria like availability, your location, device, and other factors. The information here may differ from other content on our site, other sites, or the listed company's site. This content is presented without warranty.