7 Best Home Warranty Companies For 2025

7 Best Home Warranty Companies of 2025

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances when they fail due to normal wear and tear. Unlike homeowners insurance, which protects against sudden damage from events like fires or storms, home warranties provide predictable coverage for costly repairs and replacements of everyday systems and appliances. Understanding what different warranty companies offer can help you protect your investment and avoid unexpected repair expenses.

Our Top Picks for Best Home Warranty Companies

The following companies represent the leading options in the home warranty industry, each excelling in different areas:

2-10 Home Buyers Warranty: Best Enhanced Coverage

2-10 Home Buyers Warranty stands out for its exceptional appliance discounts and comprehensive coverage options. This provider offers plans starting at just $32 per month with significant perks for major appliance brands.

Key Benefits:

• Up to 65% discount on Whirlpool and GE brand appliances
• Color matching for replaced appliances
• $5 monthly discount with auto-renewal
• Coverage for single-family, multi-unit, and rental properties
• No home inspection required
• Multi-year discount available

Limitations:

• Garage door coverage not included (available as add-on)
• Roof leak coverage not included (available as add-on)
• Not available in Hawaii and Alaska

AFC Home Warranty: Best Premiums

AFC Home Warranty, also known as America’s First Choice, has established itself as a leader in affordable coverage with exceptional service guarantees. The company offers flexible plans tailored to different household needs.

Plan Options:

• Systems plan for major home systems
• Appliances plan for kitchen and laundry appliances
• Two hybrid plans combining systems and appliances coverage

Standout Features:

• Parts and labor guaranteed for the life of the contract
• Customers can select their own technicians
• Platinum Plan covers microwave ovens, ice makers, and plumbing stoppages
• Additional benefits including discounts and credit monitoring
• Array of supplementary services and protections

Considerations:

• One-day reporting requirement for system or appliance issues
• $75 plan cancellation fee
• System plan unavailable in some areas

American Home Shield: Best for HVAC

As the largest home warranty service provider in the country, American Home Shield offers comprehensive coverage with particular strengths in heating and cooling systems. The company provides highly customizable plans suitable for various homeowner needs.

Coverage Highlights:

• Three comprehensive plans: ShieldSilver, ShieldGold, and ShieldPlatinum
• Covers more than 23 home appliances and systems
• Home electronics and entertainment products coverage available
• Free HVAC tune-ups with premium ShieldPlatinum plan
• Up to $1,500 for roof leak repair with premium plan
• Coverage for code violations and AC refrigerant

Service Details:

• Monthly premiums: $30-$90
• Service fees: $100-$125
• Response time: 48 hours
• Available nationwide except Hawaii, Alaska, and New York City

Notable Limitations:

• Repairs guaranteed for only 30 days
• Fewer coverage restrictions than many competitors
• BBB Rating: B

Cinch Home Services: Best Systems Plan

Cinch Home Services specializes in comprehensive systems coverage, making it an excellent choice for homeowners focused on protecting their home’s essential infrastructure. The company offers specialized plans designed to address major system needs effectively.

First American Home Warranty: Best Starter Plan

First American Home Warranty provides excellent entry-level coverage through its Starter Plan, perfect for homeowners seeking basic protection at reasonable rates. The company also offers Essential and Premium Plans for those needing expanded coverage.

Starter Plan Features:

• Coverage for nine costly-to-repair appliances and systems
• Starting price: $42 per month
• Extensive coverage for major household components

Comprehensive Coverage:

• Covers damages from lack of maintenance, rust, and corrosion
• Chemical and sedimentary build-up coverage included
• Limited roof leak coverage for multiple roof types
• Coverage includes leaks from normal wear and tear
• Suitable for buyers of older homes

Roof Protection:

• Coverage for tar and gravel roofs
• Tile roof leak protection
• Shingle roof coverage
• Composition roof protection

Liberty Home Guard: Best for Optional Add-Ons

Liberty Home Guard excels in providing homeowners with extensive customization options through more than 20 additional coverage items. This flexibility allows you to build a warranty package tailored to your specific needs.

Service Strengths:

• Over 20 items of additional coverage options
• 60-day workmanship guarantee on all repairs
• Overwhelmingly positive BBB reviews
• Available nationwide across all 50 states
• Response time: 48 hours

Pricing Structure:

• Monthly premiums: $50-$70
• Service fees: $75-$125
• Three available plans

Considerations:

• Relatively low payout limits compared to competitors
• Not rated by BBB

Select Home Warranty: Best for Roof Coverage

Select Home Warranty specializes in comprehensive roof protection, making it an ideal choice for homeowners concerned about roof damage and maintenance. The company offers specialized plans with particular emphasis on roof leak coverage and protection.

Understanding Home Warranty Coverage

Home warranties typically cover major home systems and appliances that fail due to normal wear and tear. Standard coverage includes HVAC systems, electrical and plumbing systems, major appliances like refrigerators and washing machines, and sometimes roof leaks. Understanding what is and isn’t covered helps you select the right plan for your needs.

Frequently Asked Questions About Home Warranties

Q: Do home warranties protect brand-new systems and appliances?

A: Home warranties typically cover systems and appliances that have failed due to normal wear and tear. Brand-new systems may not be covered if they fail immediately, as manufacturers usually provide their own warranties for new equipment. However, once the manufacturer’s warranty expires, your home warranty can provide continued protection.

Q: Can you transfer a home warranty when selling a house?

A: Home warranty transferability varies by company and plan. Some providers allow warranties to be transferred to new homeowners, while others may require the new owner to purchase their own plan. Always check your specific warranty terms or contact your provider before selling your home.

Q: What is the difference between a home warranty and homeowners insurance?

A: Home warranties cover repair or replacement of major systems and appliances due to normal wear and tear, while homeowners insurance protects against sudden damage from events like fires, storms, or theft. Both types of coverage serve different purposes in protecting your home.

Q: Are pre-existing issues covered by home warranties?

A: Most home warranties do not cover pre-existing issues or problems that existed before the warranty began. If a system or appliance was already faulty when coverage started, it typically won’t be covered. This is why home inspections can be important before purchasing a warranty.

Q: How much do home warranty service calls typically cost?

A: Service call costs vary by provider, typically ranging from $75 to $125 per call. Some warranties cover the entire service call cost after you pay the fee, while others may have additional out-of-pocket expenses for repairs or replacements.

How to Choose the Right Home Warranty

Selecting the best home warranty requires evaluating your specific needs, budget, and the age of your home systems and appliances. Consider which systems and appliances are most important to protect, compare premium costs across providers, review customer satisfaction ratings, and examine coverage limitations. New homeowners might benefit from more comprehensive plans, while those with newer systems might opt for basic coverage. Older homes may require plans with enhanced protection for aging systems.

Summary of Best Home Warranty Companies

The home warranty market offers diverse options to meet various homeowner needs. Whether you prioritize affordable premiums, enhanced appliance discounts, HVAC coverage, systems protection, starter plans, customizable add-ons, or specialized roof coverage, there is a provider suited to your situation. Take time to compare these leading companies, evaluate their specific offerings, and select the warranty that best aligns with your home protection goals and budget.

This article is general information, not personal financial advice. Consider your own situation, or speak with a licensed adviser, before acting on it.