Best Home Warranty Companies in 2025
Liberty Home Guard (LHG)
Pros:
Nationwide availability; very large add‑on menu; long 60‑day workmanship guarantee; strong public ratings
Cons:
Lower coverage limits for certain trades (e.g., ~$500 each for plumbing/electrical lines); pricing opaque without quote
American Home Shield (AHS)
Pros:
High coverage limits; covers wear‑and‑tear and many unknown pre‑existing conditions; huge contractor network
Cons:
Higher premiums than budget brands; service fee options only $100 or $125; not in AK/HI
Old Republic Home Protection (ORHP)
Pros:
Trusted in real‑estate channel; transparent brochures by state; extended workmanship guarantees
Cons:
Not nationwide; plan names/coverage vary by state; some cancellation penalties
Choice Home Warranty
Pros:
Simple 2‑plan structure; consistent national pricing at time of quote
Cons:
Not available in WA; history of regulatory actions; mixed customer‑service sentiment
First American Home Warranty
Pros:
High appliance caps (up to $7,000 on Premium); no explicit caps on many core systems; long‑established brand
Cons:
Not available in 15 states; higher top‑tier pricing; plan details vary by state
Cinch Home Services
Pros:
Strong 180‑day workmanship guarantee; transparent coverage limits; long industry tenure
Cons:
Higher service fees than many; some caps (e.g., $2,000 per appliance; $10,000 total/term)
AFC Home Club (AFC)
Pros:
Choose‑your‑own licensed technician; flexible term lengths; strong coverage options
Cons:
Not nationwide; some complaints about claim amounts and cancellation frictions
Select Home Warranty (SHW)
Pros:
Low monthly price points; roof‑leak inclusion differentiator
Cons:
Lower coverage limits vs. peers; lower review sentiment; not available in four states
2-10 Home Buyers Warranty (2‑10 HBW)
Pros:
Longstanding brand with large builder/real‑estate footprint; structural (builder) warranties in sister lines
Cons:
Pricing transparency varies; lower public ratings on some platforms
Landmark Home Warranty
Pros:
Regional focus; competitive pricing in Southwest/Intermountain; some high caps on systems
Cons:
Limited footprint; low public ratings; mixed service network feedback
Why We Built This Site
The home warranty industry can be quite opaque. There are many companies that don't stand up to what they promise to cover, ignore customer calls, or figure out other ways to save money at the expense of unsuspecting customers. At Warranties.homes we make sure you get to understand the fine prints of the leading home warranty companies in this space, what exactly is covered, under what circumstances, and what is your benefit in all of this.
What is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Unlike homeowners insurance, which covers damage from events like fires or storms, home warranties specifically protect against the inevitable breakdown of aging appliances and systems.
What Does a Home Warranty Cover?
Most home warranty plans include coverage for:
- HVAC systems (heating and air conditioning)
- Electrical systems
- Plumbing systems
- Water heaters
- Kitchen appliances (refrigerator, oven, dishwasher)
- Washer and dryer
- Garage door openers
How to Choose the Best Home Warranty
When comparing home warranty companies, consider these factors:
- Coverage Options: Ensure the plan covers the items most important to you
- Service Fee: Compare the per-visit service fees (typically $75-$125)
- Monthly Cost: Plans range from $30-$80+ per month
- Coverage Limits: Check for caps on individual items or annual maximums
- Customer Reviews: Research experiences from real customers
- State Availability: Not all companies operate in every state
Appliance Insurance & Coverage Guide
Understanding what's covered is crucial when choosing a home warranty. Our comprehensive appliance insurance guide breaks down coverage for 15 major home appliances, including repair costs, common problems, and which companies offer the best protection.
Find Home Warranty Companies in Your State
Select your state to see which home warranty companies are available in your area: