Find the Best Home Warranty
Before Something Breaks
We've reviewed 18 home warranty companies so you don't have to. Compare real coverage, honest pricing, and what's actually covered — no fine print surprises.
Best Home Warranty Companies
Updated monthly. Rankings based on coverage, value, claims speed, and customer satisfaction.
Choice Home Warranty
- ✓ Covers 25+ systems and appliances
- ✓ No age restrictions on covered items
- ✓ 24/7 claims by phone or online
- ✓ Network of 15,000+ licensed contractors
American Home Shield
- ✓ Covers undetected pre-existing conditions
- ✓ 50+ years in business, 2M+ customers
- ✓ Flexible service fee options
- ✓ No home inspection required
Cinch Home Services
- ✓ 180-day workmanship guarantee
- ✓ Covers rust and corrosion damage
- ✓ 2-hour response time during business hours
- ✓ $10,000 aggregate annual limit
How Home Warranties Work
Choose a Plan
Select appliance-only, systems-only, or comprehensive coverage based on your home's age and what you want protected.
Something Breaks
File a claim online or by phone 24/7. Your warranty company assigns a licensed contractor to your home.
Pay Just the Fee
You pay only the service call fee (typically $75–125). The warranty covers the rest — repair or full replacement.
Quick Comparison
Key facts at a glance. Full comparison with 30+ data points on our compare page.
| Company | Monthly Cost | Service Fee | HVAC Limit | Workmanship | Our Rating | |
|---|---|---|---|---|---|---|
| Choice Home Warranty | $46–$55 | $85 | $3,000 | 30 days | ★★★★★ 4.8 | Get Quote |
| American Home Shield | $29–$89 | $75–$125 | $5,000 | 30 days | ★★★★½ 4.6 | Get Quote |
| Cinch Home Services | $28–$68 | $75–$150 | $1,500 | 180 days | ★★★★½ 4.5 | Get Quote |
| Liberty Home Guard | $50–$60 | $75–$125 | $2,000 | 60 days | ★★★★½ 4.5 | Get Quote |
| Select Home Warranty | $44–$48 | $60–$75 | $3,000 | 30 days | ★★★★ 4.2 | Get Quote |
Home Warranty FAQ
Is a home warranty worth it?
For most homeowners — especially those with homes over 5 years old — yes. The average American homeowner spends $2,500–$6,000 annually on unexpected repairs. A warranty at $50–80/month caps that exposure significantly.
What's the difference between a home warranty and homeowners insurance?
Homeowners insurance covers damage from disasters (fire, floods, theft). A home warranty covers breakdowns from normal wear and tear — your AC dying in July, your dishwasher failing mid-cycle, your water heater giving out.
How long is the waiting period?
Most companies have a 30-day waiting period before coverage activates. Some offer immediate coverage for an extra fee. If you're buying a home, ask for the warranty to start at closing.
Can I use my own contractor?
Most companies use their own contractor network. Liberty Home Guard and a few others allow you to choose your own contractor in some situations. Check the contract terms before signing.
What does a home warranty typically NOT cover?
Pre-existing conditions (unless stated otherwise), cosmetic damage, code violations, improper installation, and items not listed in your plan. Always read the sample contract before purchasing.
Which company is best for HVAC coverage?
American Home Shield leads with a $5,000 HVAC limit and covers undetected pre-existing conditions — critical for older homes. Choice Home Warranty is the best value option at $3,000.
Not Sure Which Plan Is Right for You?
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