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 determining which provider offers the best home warranty for you. To help our readers make an informed decision, our reviews team compiled a list of the best home warranty companies 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 six 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
- Best for Quick Repairs: Choice Home Warranty
- Most Affordable: Select Home Warranty
- Best Electrical Coverage: First American
- Best Guarantee of Repairs: AFC Home Club
- Best for New Construction Houses: 2-10 Home Buyers Warranty
- Our Conclusion
- Selecting the Plan Right For You
Most Comprehensive Coverage: American Home Shield
American Home Shield Summary
American Home Shield (AHS) 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 |
| 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 |
| 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 929-400-6165 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 929-400-6165 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, homeowners can save money by taking advantage of 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 Home Warranty 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 877-755-1115 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 877-755-1115 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.
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, visit the company’s 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 to determine which were the top home warranty companies. 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 |
Selecting the Plan Right For You
How does a homeowner decide among the many home warranty companies and plans presented in this article? Here are the steps we recommend you take if you are unsure of what to do next.
- 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 due to normal wear and tear? Determine the items that you must have covered under your home warranty plan.
- Make a list of possible plans: Based on the items you need covered, you can make a list of the home warranty plans that cover what you need them to. 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.
- 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.
- 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.
- 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.
Don Vandervort writes or edits every article at HomeTips. Don has:
