Home Warranty Companies

The leading home warranty providers include Liberty Home Guard, American Residential Warranty, and The Home Service Club.

Numerous home warranty companies offer solutions to make homeownership more cost-effective. However, the right home warranty provider for you will depend on your budget, desired coverage, and specific requirements.

This guide is designed to simplify your search by offering an in-depth look at the top home warranty companies available today.

Top Home Warranty Providers

When selecting the right home warranty company for your new or older home, it’s useful to start by exploring some of the leading options in the industry. Below is a closer look at the top-rated home warranty companies and their best offerings.

Liberty Home Guard

Liberty Home Guard consistently receives high ratings across multiple customer review platforms:

• ConsumerAffairs: 3.8 out of 5 stars

• Better Business Bureau: 4.55 out of 5 stars

• Trustpilot: 4.7 out of 5 stars

• Liberty Home Guard offers three primary plans at varying price points:

Appliance Guard: Covers most home appliances, including washers, dryers, refrigerators, built-in microwaves, dishwashers, garbage disposals, ranges, ceiling fans, and garage door openers.

Systems Guard: Provides coverage for essential home systems such as HVAC, ductwork, plumbing, water heaters, and electrical systems.

Total Home Guard: Combines the Appliance Guard and Systems Guard plans for comprehensive coverage.

These plans are available in every state except Washington and Wisconsin. After enrolling, there’s a waiting period of 30 to 60 days before you can file your first claim. Liberty Home Guard offers simple, easy-to-understand plans that come highly rated. However, customers should enter their home details to receive personalized quotes.

Pros:

• Clear and straightforward plans

• Prices starting at less than $1 per day

Cons:

• Not available in all states

• Must wait 30–60 days to file a claim

American Residential Warranty

American Residential Warranty also earns solid reviews from customers:

• ConsumerAffairs: 4.3 out of 5 stars

• Better Business Bureau: 1.64 out of 5 stars

• Trustpilot: 4.0 out of 5 stars

The company offers several affordable plans, such as:

Ultimate Electronics Protection: For $24.99 per month, this plan covers household electronics, including laptops, gaming consoles, printers, and tablets.

Kitchen Plus: At $39.99 per month, it covers kitchen appliances such as refrigerators, ranges, ovens, dishwashers, built-in microwaves, exhaust fans, and garbage disposals.

Platinum Premier: Priced at $64.99 per month, this plan includes coverage for the Kitchen Plus package as well as HVAC, plumbing, garage door openers, ductwork, ceiling fans, and refrigerator ice makers.

American Residential Warranty is known for its affordability and extensive coverage options, particularly for household electronics. Repairs come with a trade service fee, and plans are available nationwide.

Pros:

• Wide range of coverage options

• Plenty of add-on choices

• Month-to-month service plans

Cons:

• A service fee is required for each repair

• 30-day waiting period before claims can be filed

The Home Service Club

The Home Service Club is known for its coverage options, though it has received mixed ratings from customer review platforms:

• ConsumerAffairs: 1.0 out of 5 stars

• Better Business Bureau: 1.21 out of 5 stars

• Trustpilot: 1.9 out of 5 stars

Despite low ratings on some platforms, the company has more than 380 five-star reviews on Trustpilot. The Home Service Club offers two primary plans:

Standard Coverage: Covers refrigerators, ovens, cooktops, dishwashers, washers, dryers, HVAC systems, water heaters, ceiling fans, and more.

Comprehensive Coverage: Adds coverage for plumbing stoppages, ductwork, gas leaks, pest control, whirlpool tubs, smoke detectors, and more.

The Home Service Club is available nationwide, and coverage is not denied based on the age of appliances. Customers pay a trade service fee of $65–$125 per claim.

Pros:

• Nationwide availability

• 24/7 customer service

• No coverage denial based on age of items

Cons:

• Higher service fees

• Mixed reviews on Trustpilot

Cinch Home Services

Cinch Home Services offers competitive pricing and solid customer ratings:

• ConsumerAffairs: 4 out of 5 stars

• Better Business Bureau: 1.12 out of 5 stars

• Trustpilot: 3.6 out of 5 stars

Popular Cinch plans include:

Home Appliances Warranty: Starts at $27.99 per month and covers appliances like washers, dryers, and cooktops.

Built-In Systems Warranty: Starting at $32.99 per month, this plan covers home systems like HVAC, electrical, and plumbing.

Complete Home Warranty: Provides coverage for both appliances and home systems, starting at $39.99 per month.

Pros:

• Affordable starting prices

• Comprehensive coverage

Cons:

• Higher service fees (at least $79)

• Low BBB customer ratings

America’s First Choice Home Club

America’s First Choice Home Club offers several plans and has positive reviews:

• ConsumerAffairs: 4.1 out of 5 stars

• Better Business Bureau: 3.06 out of 5 stars

• Trustpilot: 3.1 out of 5 stars

Popular plans include:

Systems Plan: Covers HVAC, water heaters, electrical, and plumbing systems.

Silver Plan: Covers major appliances like washers, dryers, refrigerators, and ovens.

Gold Plan: Combines the Systems and Silver plans.

Platinum Plan: Adds coverage for plumbing stoppages, fans, and ice makers.

America’s First Choice allows customers to choose their own technician and offers add-ons like pool and septic system coverage.

Pros:

• Flexible service call fees

• Ability to choose your own technician

• 24/7 service team access

Cons:

• Not available in Hawaii

• $75 cancellation fee

Are Home Warranties Worth It?

A home warranty may offer peace of mind, especially if you’re concerned about high out-of-pocket repair costs. Home warranties cover unexpected repairs or replacements for major systems and appliances, such as HVAC or water heaters, which can be expensive.

However, home warranty plans may have exclusions, and there’s a possibility that claims could be denied. Additionally, most warranties require you to use in-network service providers.