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The 6 Best Home Warranty Companies (2020)

Millions of homeowners purchase home warranties to protect their budget from expensive repair bills. One of the toughest decisions that comes with the purchase of a home warranty is which home warranty company to select as your provider. To help our readers make an informed decision, our reviews team compiled a list of the best home warranties in the industry.

Ultimately, every homeowner — and every home — is different. Some may prefer a comprehensive plan that covers every item under their roof (or including it), while others may want to pick and choose a few important appliances. Each home warranty provider has its own pros and cons, so be sure to consider which one would most closely meet your home protection needs.

Below you’ll find our ratings for the 6 best home warranty companies. Keep reading for our full review.

Best Home Warranty Companies Our Rating Best For
#1: American Home Shield 4.7 / 5.0 Comprehensive Coverage
#2: Choice Home Warranty 4.3 / 5.0 Quick Repairs
#3: Select Home Warranty 4.3 / 5.0 Affordability
#4: First American  4.3 / 5.0 Electrical Coverage
#5: AFC Home Club 4.2 / 5.0 Guarantee of Repairs
#6: 2-10 Home Buyers Warranty 4.2 / 5.0 New Construction Houses

 

In order to establish which home warranty companies are the best, we analyzed every major home warranty company in the industry, using data we collected from price quotes and through conversations with representatives of each company. We used criteria that include the company’s quotes and claims processes, reputation, coverage, cost, and more.

In this article:

 


 

Most Comprehensive Coverage: American Home Shield

 

American Home Shield Summary

American Home Shield (AHS) uniquely offers a Build-Your-Own plan and is known for its solid industry reputation and fast claims support.

To get a quote from American Home Shield, call 844-529-9298 or submit a few details on the American Home Shield website.

Coverage Options

The table below describes what each AHS plan covers:

Plan Name What’s Covered
Appliances Plan Covers 10 appliances, including dishwasher, refrigerator, oven, dryer, washer, and more
Systems Plan Covers 11 systems, including electrical, heating and ductwork, ceiling fans, water heaters, central vacuums, and more
Combo Plan Covers 11 systems and 10 appliances
Build Your Own Plan Covers 10 or more items in your home that you personally select
Optional Add-Ons Guest unit, electronics, pool and spa, well pump, septic pump


Cost

Based on sample quotes we received from American Home Shield, here is the company’s cost per plan:

Plan Name Cost
Appliances Plan About $49.99 per month
Systems Plan About $49.99 per month
Combo Plan About $59.99 per month
Build Your Own Plan 10 items for $54.99 and $2 for every item over that amount
Optional Add-Ons Varies
Service Fee (Across All Plans) Between $75 and $125

 

Get A Quote

To get a quote from American Home Shield, call 844-529-9298 or submit a few details on the American Home Shield website.

 


 

Best for Quick Repairs: Choice Home Warranty

 

Choice Home Warranty Summary

Choice Home Warranty (CHW) has a quick repair timeframe of two business days and four days on weekends and holidays. The company also offers a free second opinion on your items, which is not common in the home warranty industry.

To get a quote from Choice Home Warranty, call 848-256-4658 or submit a few details on the Choice Home Warranty website.

Coverage Options

Choice offers a Basic Plan and Total Plan, as well as nine optional add-ons:

Plan Name What’s Covered
Basic Plan Covers 14 appliances and systems, including heating system, cooktop, microwave, water heater, and more
Total Plan Everything in the Basic plan, plus your refrigerator, air conditioning system, washer, and dryer
Optional Add-Ons Pool/spa, sump pump, septic system, septic tank pumping, well pump, limited roof leak, stand alone freezer, second refrigerator, and central vacuum

Cost

Based on sample quotes we received from American Home Shield, here is the company’s cost per plan:

Plan Name Cost
Basic Plan About $36.17 per month
Total Plan About $43.85 per month
Optional Add-Ons $40 to $180 annually
Service Fee (Across All Plans) $85

 

Get A Quote

To get a quote from Choice Home Warranty, call 848-256-4658 or submit a few details on the Choice Home Warranty website.

 


 

Most Affordable: Select Home Warranty

 

Select Home Warranty Summary

Select Home Warranty is known for offering plans that cost under $40 a month. In addition, it offers one of the most outstanding promotions in the industry with two months free and $150 off for new customers.

To get a quote from Select Home Warranty, call 888-370-3956 or submit a few details on the Select Home Warranty website.

Coverage Options

Select offers a Bronze Care, Gold Care, and Platinum Care plan. It also offers a variety of optional add-ons.

Plan Name What’s Covered
Bronze Care Covers your dishwasher, cooktop, microwave oven, stove/oven, refrigerator, garbage disposal, washer, and dryer
Gold Care Covers your water heater, A/C, heating system, electrical system, plumbing system, and ductwork
Platinum Care Covers Bronze and Gold plan appliances and systems and also covers your ceiling fan, garage door opener, and plumbing stoppage
Optional Add-Ons Pool, spa, roof, well, second refrigerator, sprinkler system, septic system, and more

 

Cost

Select is the most affordable provider because it prices each of its plans at under $40 a month. Our team collected these quotes from Select Home Warranty:

Plan Name Cost
Bronze Care About $35.83 per month
Gold Care About $35.83 per month
Platinum Care About $37.50 per month
Optional Add-Ons Varies
Service Fee (Across All Plans) $75

 

Get a Quote 

To get a quote from Select Home Warranty, call 888-370-3956 or submit a few details on the Select Home Warranty website.

 


 

Best Electrical Coverage: First American

 

First American Summary

First American covers electrical repairs through the walls, floors, or ceilings, and the company will return the opening to a rough finish or repair.

To get a quote from First American, call 833-777-0049 or submit a few details on the First American website.

Coverage Options

First American offers a Basic Plan and Premier Plan, as well as a variety of optional add-ons:

Plan Name What’s Covered
Basic Plan Covers your dishwasher, cooktop, washer, dryer, and more
Premier Plan Covers appliances in the Basic plan and systems, including your central vacuum systems, electrical, heating, and more
Optional Add-Ons Pool/spa equipment, well pump, central air conditioning, additional refrigerators

Cost

Here are the sample quotes we received from First American:

Plan Name Cost
Basic Plan About $28 per month
Premier Plan About $42.50 per month
Optional Add-Ons Varies by item
Service Fee (Across All Plans) $75 to $100

 

Get a Quote

To get a quote from First American, call 833-777-0049 or submit a few details on the First American website.

 


 

Best Guarantee of Repairs: AFC Home Club

 

AFC Home Club Summary

AFC Home Club has the best guarantee of repairs — the company guarantees parts and labor for the life of customers’ memberships.

To get a quote from AFC Home Club, call 678-335-2181 or submit a few details on the AFC Home Club website.

Coverage Options

AFC Home Club offers a System Plan, Silver Plan, Gold Plan, Platinum Plan, and a variety of optional add-ons.

Plan Name What’s Covered
Systems Plan Covers your electrical system, heating system, water heater, ductwork, air conditioning system, and plumbing system
Silver Plan Covers your dishwasher, refrigerator, washer, dryer, garbage disposal, garage door opener, oven, range, and stove/cooktop
Gold Plan Combines the coverage of AFC Home Club’s System and Silver plan together
Platinum Plan Covers everything in the Gold plan plus ice maker, built-in microwaves, and plumbing stoppages
Optional Add-Ons Pool & spa, hot water dispenser, sump pump, and more

 

Cost

AFC Home Club provides budget-friendly monthly premiums with a service fee a bit higher than the industry average.

Plan Name Cost
Systems Plan About $39.58 per month
Silver Plan About $37.50 per month
Gold Plan About $45.83 per month
Platinum Plan About $50.00 per month
Optional Add-Ons Between $25 to $150
Service Fee (Across All Plans) Between $75 to $125

 

Get a Quote

To get a quote from AFC Home Club, call 678-335-2181 or submit a few details on the AFC Home Club website.

 


 

Best for New Construction Houses: 2-10 Home Buyers Warranty

 

2-10 Home Buyers Warranty Summary

2-10 Home Buyers Warranty offers a unique structural warranty and has an A rating from the BBB.

To get a quote from 2-10 Home Buyers Warranty, call 855-498-4719 or submit a few details on the 2-10 Home Buyers website.

Coverage Options

2-10 offers a Systems Plan, Appliances Plan, and a Structural Plan. It also offers a number of optional add-ons.

Plan Name What’s Covered
Systems Plan Covers electrical panel/wiring, plumbing, water heater, split system, air conditioner/freon, and furnace
Appliances Plan Covers clothes washer, dryer, dishwasher, disposal, oven, and refrigerator
Structural Plan Covers workmanship, load-bearing walls and partitions, floor framing, beams / girders / lintels, and more
Optional Add-Ons Extended pipe leak coverage, wine cooler, additional refrigerator, and more

Cost

2-10 offers an affordable monthly premium for its Systems and Appliances plans. The cost of its Structural plan is dependent on your home. We encourage you to get a quote for a customized estimate.

Plan Name Cost
Systems Plan About $33.25 per month
Appliances Plan About $33.25 per month
Structural Plan Varies by home
Optional Add-Ons Under $30
Service Fee (Across All Plans) $85

 

Get a Quote

To get a quote from 2-10 Home Buyers Warranty, call 855-498-4719 or submit a few details on the 2-10 Home Buyers website.

 

Our Conclusion

The six providers discussed in this review were found to have excellent customer service, coverage plans, affordable costs, and an efficient claims process. Our review team studied every major home warranty company in the industry on eight different criteria, and these six companies received the highest ratings. We rated every provider on a score from one to five based on eight different criteria. Here is the overall score each provider received that was discussed in this article:

Best Home Warranty Companies Our Rating Best For
American Home Shield 4.7 / 5.0 Comprehensive Coverage
Choice Home Warranty 4.3 / 5.0 Quick Repairs
Select Home Warranty 4.3 / 5.0 Affordability
First American  4.3 / 5.0 Electrical Coverage
AFC Home Club 4.2 / 5.0 Guarantee of Repairs
2-10 Home Buyers Warranty 4.2 / 5.0 New Construction Houses

 

 


 

How does a homeowner decide among the many companies and plans presented in this article? Here are the steps we recommend you take if you are unsure of what to do next.

  1. Determine which items you need covered in your home:  Are there certain items in your home that you could afford when they break and need a replacement? Determine the items that you must have covered under your home warranty plan.
  2. Make a list of possible plans: Based on the items you need covered, you can make a list of the home warranty plans that meet your needs. If a plan doesn’t cover an item that you need covered, eliminate it from your list. If a plan covers many more items than you want covered, you can also remove this plan from your list.
  3. Determine your top three providers: Now that you’ve determined the plans that would fit your needs, consider which three providers might be the best fit for your needs. What benefits does this provider offer to customers? How fast is its claims response? How good is its reputation? You can use this review and our individual provider reviews to help you narrow down your selections.
  4. Get free quotes from each provider: Because cost is an important factor in a home warranty purchase, we recommend getting a free quote from your top three providers. You can do so using the phone numbers or links in this article. The cost of home warranty plans can serve as a tiebreaker if you are on a strict budget or you don’t feel strongly about any one of your top three providers over the other ones. However, remember to consider the other important factors in a home warranty such as reputation, customer service, and benefits.
  5. Study sample contracts and talk to company representatives: An optional step to take after these four steps or while considering your possible plans is to study the sample contracts of the plans you are considering. What are the maximum coverage caps for this plan? What items does it exclude from its coverage? Taking a close look at these things can help homeowners find the right plan for their needs. You can always call a company representative, using the phone numbers in this article to answer your questions for you.