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| EditorHome warranty providers elicit a lot of reactions, both positive and negative. For instance, when Forbes Home surveyed 1,000 home warranty policyholders in August of 2024, we found that 84% of respondents were satisfied with their plans, and 82% would recommend a policy to others.
However, we also analyzed 146,478 online customer reviews and comments about home warranties using our Consumer Sentiment Index tool, and we found a broadly negative response that contrasts with our national survey results. Customer complaints included poor customer service and frustrations with delays and denied claims.
Unlike homeowner’s insurance, which protects against the cost of theft and disaster, home warranties control the cost of the normal wear and tear of large appliances and other household systems, such as plumbing, electrical and HVAC.
Home warranties typically come with a monthly cost and a fee structure for each service call, so it’s a good idea to track your typical spending on home repairs and compare that against the costs of a home warranty plan to see if it’s right for you. We also recommend that you make sure to read all the fine print on any policy before you sign up, as do our Advisory Board members.
“Always ask for clarification on exclusions to ensure you understand what is and what isn’t covered,” says Marcus Hill, a member of Forbes Home Advisory Board with two decades of experience as a home appraiser and real estate investor. “Watch out for excessive service call fees or unclear fee structures. Some companies charge high fees every time you request service, even if the repair is denied. Ensure the fee structure is reasonable and transparent.”
To help you compare providers, we analyzed more than 50 plans from 19 companies, looking at dozens of real price quotes, as well as a detailed review of company policies. We’ve determined that AFC Home Warranty offers the best overall coverage, but we also found several other providers that are worth considering.
We know that dozens of home warranty plans are available to homeowners, and sorting through all the fine print to choose the right one for your home can be frustrating. That’s why we’ve evaluated the top companies with comprehensive plans and compiled this list of the best home warranty companies to help you make an informed decision based on your home and budget needs. The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use proprietary data and expert advice to inform all of our content. Plus, our Advisory Board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. You can read more about our editorial guidelines for the ratings below.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
4
AFC Home Warranty
Plans Available
4
Response Time
Excellent
Number Of States
47 excl. WA, HI and CA
Key Takeaways
We compared the ratings and costs of our top home warranty companies after completing our research and analysis across criteria including service fees, plans and coverage, add-ons covered, years in business, and customer reviews and experiences.
| Company | Company - Logo | Forbes Home Rating | Forbes Advisor Rating | Best For | Monthly Service Fee | Learn More CTA text | Learn more CTA below text | Learn More |
|---|---|---|---|---|---|---|---|---|
| Liberty Home Guard |  | 5.0 |  | Best Overall | $54.99 | Get Free Estimates | On Liberty Home Guard's Website | |
| The Home Service Club |  | 4.6 |  | Best Add-On Coverages | $51.25 | Get Free Estimates | On The Home Service Club's Website | |
| ARW Home |  | 4.4 | | Best Value Options | $84.99 | Get Free Estimates | Read Forbes' Review | |
| 2-10 Home Buyers Warranty |  | 4.3 | | Best Response Time | $27.00 | Get Free Estimates | Read Forbes' Review | |
| AFC Home Warranty |  | 4.2 |  | Best Pricing Structure | $41.83 - $152.20 | Get Free Estimates | On AFC's Website | |
| Cinch Home Services |  | 4.0 | | Best for Older Homes | $30.99 (varies by plan and state) | Get Free Estimates | On Cinch's Website | |
| Home Warranty of America (HWA) |  | 3.9 |  | Most Straightforward | $46.06 - $57.92 | Get Free Estimates | On HWA's Website | |
| American Home Shield |  | 3.6 |  | Best for Unique Home Features | $29.99 - $89.99 | Get Free Estimates | On American Home Shield's Website | |
| Choice Home Warranty |  | 3.5 | | Most Budget-Friendly Plan | $46.83 - $54.75 | Get Free Estimates | On Choice Home Warranty's Website | |
| First American Home Warranty |  | 3.5 | | Best for High Coverage Maximums | $62.00 - $87.00 | Get Free Estimates | On First American's Website |
Best Overall
Best Overall
Liberty Home Guard
Liberty Home Guard has built a reputation for fairly positive consumer sentiment and customized options since its inception eight years ago. It offers an Appliance Guard plan for $49.99 monthly, a Systems Guard plan for $54.99 monthly and a Total Home Guard plan for $59.99 monthly, plus Liberty Home Guard also offers over 25 specific add-on coverage options so customers can customize their plans.
Learn more: Liberty Home Guard review
Liberty Home Guard’s higher-than-average customer satisfaction rating, its customer support options and three comprehensive plans make up for its lack in tenure.
Why We Like It: Liberty Home Guard customers can tailor a plan to their needs with the company’s extended list of add-on coverage options. We appreciate Liberty Home Guard’s coverage of rental properties and manufactured homes as well as single-family homes. Its overall customer support and satisfaction ratings are higher than most competitors.
What We Don’t Like: Liberty Home Guard is a bit pricier than many competitors, and customers should expect to see a $2,000 maximum payout per covered item within all of its plans. Plus, the contract cancellation fee is $50, which is higher than that of several competitors.
Who It’s Best For: Those who have a little extra in their budgets to spend on home warranty plans will find that Liberty Home Guard could be a good option for them. Plus, the positive overall customer rating could make the extra cost worth the peace of mind.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Liberty Home Guard receives a mix of reviews from satisfied and dissatisfied customers. Many appreciate a pleasant customer service experience with polite personnel, timely assistance and clear communication. But there are also notable concerns from some customers regarding claim denials, delayed service and limited coverage. Some customers report the company’s policies are not as transparent as they should be.
Best Add-On Coverages
Best Add-On Coverages
The Home Service Club
Serving all 50 states, The Home Service Club offers two main plan options—Standard and Comprehensive—which range from around $51 per month for Standard to $62 for Comprehensive. Both plans offer standard, broad coverage for household appliances and systems, while the Comprehensive Plan offers extended coverage as well as new coverage for pest control, sump pumps and more. With a long a la carte list of additional services, The Home Service Club offers versatility and customization that may entice those living in older homes or who need more specific plans.
Learn more: Home Service Club review
We appreciate that The Home Service Club offers homeowners two solid and comprehensive plans as well as an a la carte list of add-ons.
Why We Like It:
We like The Home Service Club’s two plan options, which cover household appliance and system basics and more with the Comprehensive Plan and additional services list. You can also choose your own technician if you go with The Home Service Club, which may appeal to those who have great existing relationships with their contractors.
What We Don’t Like:
With service fees up to $125, The Home Service Club isn’t the least expensive option. Also, those who want any less coverage than the standard plan may not find The Home Service Club to be a good choice for them.
Who It’s Best For:
Homeowners who have fairly new appliances or live in newer properties or condos may find The Home Service Club to be a good fit. Though the service fees are higher than those of many other competitors, living in a newer residence could help reduce the number of issues.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 10.
Although some customers report positive experiences with The Home Service Club due to efficient service and helpful customer service representatives, other customer opinions are largely poor. Dissatisfied customers report negative customer service experiences, communication difficulties and issues receiving funds. Overall, the general sentiment is mixed.
Best Value Options
Best Value Options
ARW Home
With three tiered plans to choose from and all 50 states covered, ARW Home offers a variety of options with different price points for all homeowners to consider. ARW Home’s Kitchen Plus plan starts around $40 monthly and includes coverage specifically for appliances like refrigerators, microwaves, dishwashers and kitchen exhaust fans, as well as water heaters and interior electrical systems. The next-higher-tiered Platinum Plan covers Kitchen Plus and more systems like central ACs and heating and washers and dryers for around $65 per month, while the Platinum Premier Plan adds even more coverage for items like plumbing for around $75 monthly.
Learn more: ARW Home review
While many competitors offer two strong plans, ARW Home offers three, including one focused on kitchen appliances. This offering gives homeowners more pricing flexibility and doesn’t lock you into a more comprehensive plan than you need. We also appreciate that the pool, sewer line and water line are optional add-ons.
Why We Like It:
On top of ideal pricing structure and plan options, homeowners can look forward to choosing their own technician. Plus, those who live in older homes won’t be susceptible to age-of-system denial—as long as your system or appliance is in good shape, it can likely be serviced.
What We Don’t Like:
ARW Home’s cancellation policy is more rigid and costs more ($45) than many competitors. If you don’t have the budget flexibility to risk paying a cancellation fee or you’re looking for a more straightforward cancellation process, this may not be the company for you.
Who It’s Best For:
ARW Home is best for those needing a specific kitchen appliances plan or those who want to choose their own technician for repairs.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
ARW Home feedback from customers is mixed. Some customers report enjoying positive interactions and quick claim resolutions. In contrast, other customers report poor customer service, misleading claims coverage, difficult claim processing and difficulty cancelling policies.
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Response Time
Best Response Time
2-10 Home Buyers Warranty
Whether you’re buying, selling or building on, 2-10 Home Buyers Warranty has fantastic options for both homeowners and sellers. With a Simply Kitchen plan covering kitchen appliances for as low as $17 monthly, a $50 monthly Complete Home plan that expands protection to electrical systems and plumbing, and the Pinnacle Home plan, which covers all of the previous itemsand things like alarm systems, filters and pipes for $65 per month, 2-10 can cover most homeowners’ needs with one of the three plans.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty offers three comprehensive plans that are also some of the most price-competitive in the home warranty space. What caught our eye in particular was that 2-10 helps home sellers boost the appeal of their homes by offering protections during the listing period. We named this company our most budget-friendly option because some basic plans are as low as $17 per month, and service fees can range from $65 to $100, offering more price flexibility.
Why We Like It:
We like that this home warranty company works for every type of homeowner—just moved in, enjoying their home or ready to sell. Not only do home sellers have their own specific options under 2-10, but builders can easily secure structural warranties for new builds on a soon-to-be forever home.
What We Don’t Like:
It’s important to look closely at 2-10 Home Buyers Warranty’s cancellation policy, which may be too rigid for some. The policy cancellation cost starts at $25 for the first 30 days of being in the plan, but it increases to 10% of the plan cost after Day 30. We can appreciate that 2-10 allows customers to use their own contractors and technicians, but there is a pre-approval process and discrepancies in covering extra costs, which can make the repair process feel more complicated than it needs to be.
Who It’s Best For:
Those on a strict budget will love what 2-10 offers for a competitive rate compared to the industry average; 2-10 Home Buyers Warranty’s Simply Kitchen plan is offered for as low as $17 monthly.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 10.
2-10 Home Buyers Warranty has received largely negative feedback from customers. Dissatisfied customers express a range of issues, particularly with customer service and the company’s response times. Many are unhappy with denied claims, often citing pre-existing conditions as the reason, and lack transparency in coverage limits. Some reports claim that contractors are unprofessional and unreliable with high fees for subpar repairs. A smaller amount of customers indicate positive experiences, but the overall sentiment towards the company is negative.
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Best Pricing Structure
Best Pricing Structure
AFC Home Warranty
Of all the companies on this list, AFC Home Warranty is the only company to offer four comprehensive home warranty plans: Starting at $41 monthly, AFC’s Silver Plan covers nine systems including the refrigerator, oven, range and laundry machines, while the Gold Plan (starting at around $67 monthly) combines 15 appliances and systems, like plumbing and electrical systems. AFC Home Warranty’s Platinum Plan (which starts at around $96 monthly) expands coverage to built-in microwaves, plumbing stoppages and more, while the Diamond Plan (costing around $152 monthly) goes as far as covering electronics (like smartphones) and exterior sewer and water lines.
Learn more: AFC Home Warranty review
Though AFC Home Warranty doesn’t serve all 50 states, it makes up for its lack of coverage in Washington Hawaii and California by offering the most in the other 47. The company offers four comprehensive plans starting around $41 monthly that address every level of coverage in most homes.
Why We Like It: We appreciate the total coverage the four offered home warranty plans offer homeowners, plus the option to use your own technician versus one the company assigns. We also like that customers can opt for a month-to-month contract instead of an annual plan.
What We Don’t Like: If you are looking for a cost-effective option, AFC Home Warranty may not be for you. Not only are the service fees up to $125 per visit, but cancellation fees are as pricey as they come—$75. If you live in an older home, it’s also important to know that the company doesn’t cover any known or unknown pre-existing conditions.
Who It’s Best For: Homeowners who want the ultimate coverage (as well as additional protection plans) will have a lot to choose from with AFC Home Warranty.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
AFC Home Warranty receives mixed reviews. Some users report an easy sign-up process and are impressed with the depth of knowledge of the company’s representatives. However, many users express dissatisfaction with AFCs customer service and claims processing. Complaints about claim denials and inadequate reimbursement amounts for repairs or replacements are common.
Best for Older Homes
Best for Older Homes
Cinch Home Services
Cinch Home Services (once known as Cross Country Services) has been in the home warranty business for over 45 years. Cinch created three separate plans—one for appliances, one for systems and one combining both plans—for around $35, $35 and $45 per month respectively. The Appliances Plan covers all basic home appliances like refrigerators, microwaves and dishwashers, while the Built-in Systems Plan focuses its coverage on HVAC, ductwork, plumbing and electrical systems but covers more. The Complete Home Plan covers all of the above.
Learn more: Cinch Home Services review
We love a three-plan tiered approach, which Cinch does well. Homeowners who only need appliances or systems covered have those options, while those who want comprehensive coverage can get it for a relatively low price—$45 per month on average. We also appreciate that Cinch has 24/7 customer support phone service, which should help give homeowners peace of mind, should something happen on a Sunday evening.
Why We Like It:
Cinch offers interesting perks like a 180-day workmanship guarantee and a $500 reimbursement toward homeowners’ insurance deductibles, which sweeten the deal of an already cost-effective plan structure.
What We Don’t Like:
Cinch’s $150 service fee per visit is one of the highest among major competitors, making it a pricier option for budget-conscious homeowners.
Who It’s Best For:
Homeowners who prefer to have more than two options, those who are looking to cover just appliances or just systems or those who are looking for a good plan on a budget may find that Cinch is a great option for them.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Most customers report a negative experience with Cinch Home Services. Complaints like poor customer service, communication difficulties, long wait times and unresolved service requests are prevalent. Many users have also expressed dissatisfaction with the claims process and are unhappy with the frequent delays, issues with reimbursement, technicians that fail to resolve problems effectively.
Most Straightforward
Most Straightforward
Home Warranty of America (HWA)
With nearly 30 years of experience in the home warranty industry, Home Warranty of America (HWA) offers two comprehensive plans—Select and Select Plus—which include protections for kitchen appliances like cooktops, ranges and dishwashers, while Select Plus expands coverage for air conditioning units as well as plumbing, heating and electrical systems.
HWA’s two plans, Select and Select Plus, offer broad coverage for basic household appliances and systems, but these plans go beyond the norm, covering niche home features like saltwater pools, second refrigerators and sprinkler systems, which earned it major points in our analysis.
Why We Like It:
We appreciate that HWA offers homeowners two comprehensive plans for fairly competitive prices—about $46 monthly for the Select Plan and about $60 monthly for Select Plus. Homeowners won’t miss out on crucial coverage with the more basic plan. We also love that the company has a 30-day money-back guarantee policy and that its pricing structure is straightforward with no age restrictions on covered items (so both young and old homes can be easily covered by HWA).
What We Don’t Like:
Though HWA’s two plans include broader coverage of major systems, some homeowners might be looking for an appliances-only plan, which they won’t find with HWA. Also, you cannot choose your own contractor for repairs or replacements through HWA.
Who It’s Best For:
HWA is a great option for those who are not picky about the type of plan they are looking for—they may just want a base plan for the whole home that covers common systems and appliances. If you don’t require a specialized plan, HWA may be for you.
Learn more: Home Warranty of America review
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 10.
Home Warranty of America receives mixed reviews from customers. Satisfied customers report helpful technicians and good customer service. But there are many negative reports from dissatisfied customers, too. Issues like poor coverage, feeling deceived, unexpected out-of-pocket expenses and long service wait times are prevalent against the company.
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
As a company with one of the longest tenures in the home warranty industry, American Home Shield offers three plans on a monthly and annual contract basis. The company’s ShieldSiver plan starts as low as $29.99 per month and covers major systems, while ShieldGold, which starts at $49.99 monthly, covers the above and major appliances. For $79.99 monthly, customers who opt for the ShieldPlatinum plan can get the coverage of Silver and Gold and see their appliance cap rise to $4,000 per item, and much more.
Learn more: American Home Shield review
American Home Shield offers three value-packed plans, starting with the ShieldSilver plan, which is lower than many competitors’ base plans. Once customers reach ShieldPlatinum status, the raised appliance cap, additional $1,000 in roof leak coverage, $250 to address code compliance problems, free HVAC tune-ups and unlimited AC refrigerant coverage could make a $79.99 monthly fee and up to $125 service fee worth it long-term.
Why We Like It:
The lowest plan American Home Shield offers is a more affordable option than many competitors. We appreciate that some of the elements its base plan offers, like coverage for pre-existing conditions and code violations, are not often included in competitors’ plans, which helps American Home Shield stand out. We also liked that American Home Shield had plan coverage for those who live in condos, manufactured or mobile homes or who own rental properties.
What We Don’t Like:
American Home Shield isn’t available everywhere—it doesn’t currently cover Alaska or Washington, D.C. Also, while it’s technically allowed for customers to choose their own technicians, those technicians must go through a company approval process, which can be an irksome detail for some.
Who It’s Best For:
Those who have condos, rental properties or manufactured/mobile homes and want total coverage may find it from American Home Shield.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Some American Home Shield (AHS) customers report positive experiences, impressed by quick and professional service and efficient high-quality repairs. Despite some satisfied customers, many report high pricing, poor claim resolution, unqualified contractors and vague contract terms.
Most Budget-Friendly Plan
Most Budget-Friendly Plan
Choice Home Warranty
Serving all 50 states, Choice Home Warranty offers two straightforward plans—the Basic Plan and the Total Plan. The Basic plan covers basic home appliances like ovens, ranges, stoves, dishwashers, as well as heating, electrical and plumbing systems. Choice’s Total plan expands coverage widely to AC systems as well as other appliances like dryers.
Learn more: Choice Home Warranty review
We like that despite only being given two choices, homeowners have two comprehensive coverage options between the Basic Plan (averaging $46 per month) and the $55-monthly Total Plan. Interested customers may also be interested in Choice’s 24/7 phone service and round-the-clock customer support.
Why We Like It:
Choice Home Warranty’s two plans cover 14+ systems and appliances, which rivals some competitors. The higher-coverage plan costs around $55 monthly and service fees cap at $100, plus the company doesn’t charge cancellation fees, all of which make Choice a relatively budget-friendly option.
What We Don’t Like:
Though the price may be right, positive customer reviews are lacking on a variety of platforms. We also don’t like that homeowners can’t choose their own contractors, though this feature is not uncommon in the home warranty industry.
Who It’s Best For:
Homeowners who want to find a comprehensive home warranty plan for the same price as most other companies’ mid-tier plans may be interested in what Choice has to offer.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 10.
Choice Home Warranty customers reports some positive experiences with quick service and courteous staff, but many others are negative. Dissatisfied customers report unfair denials, unexpected out-of-pocket costs and technicians not resolving issues effectively.
Best for High Coverage Maximums
Best for High Coverage Maximums
First American Home Warranty
With 40 years of experience in the industry, First American Home Warranty offers low premiums and a variety of comprehensive plans, including a Starter Plan, an Essentials Plan and a Premier Plan. For $47 per month, the Basic Plan covers all appliances and even some plumbing and electrical work, and the Essentials Plan adds on coverage for HVAC and expanded appliance coverage for $57 monthly. The Premier Plan builds on even more HVAC coverage and can help with garage door repair and replacement under an average monthly fee of $82.
Learn more: First American Home Warranty review
First American Home Warranty’s three-tiered pricing system is overall more affordable than many competitors, which helps it stand out among the competition. Despite the fact that the company only offers coverage for homes in only 37 states, it makes up for its lack of nationwide availability with a budget-friendly premium plan and high coverage maximums.
Why We Like It:
Besides its affordability, we appreciate First American Home Warranty’s flexibility when it comes to customizing plans. If you have a special house that requires add-ons, First American offers a handful of coverage options like:
What We Don’t Like:
If you don’t live in one of the 37 states First American covers, you are out of luck and won’t have the option to sign on with First American Home Warranty. We don’t love that First American doesn’t allow you to choose your own technician. Also, it’s important to note that while First American is well-known for its high coverage maximums, it has holes in its coverage. The company doesn’t typically cover system components that aren’t considered “essential” for the equipment to function, including space heaters, heating system filters, kitchen appliance knobs and doorbells.
Who It’s Best For:
First American Home Warranty is best for those who are shopping for a comprehensive home warranty plan on a budget, who don’t have a preference on a specific technician and live in one of the covered states.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 10.
Overall, customer experiences with First American Home Warranty appear to be mixed with some customers reporting positive interactions. However, most report overall dissatisfaction with claim denials, service delays and poor communication. Customers also report unqualified contractors, unresolved problems and unexpected out-of-pocket expenses.
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Our home warranty content is reinforced by the Forbes Home Advisory Board. Our home warranty experts have more than 20 years of combined first-hand experience in the field. Along with home warranty, our board members boast a depth of knowledge and expertise ranging from property management to home inspections and real estate investing. With their extensive knowledge, these industry experts help us review articles and advise on content at numerous stages in the editorial process, from ideation to publication.
Residential home inspections, rental and investment property inspections
Homeownership, Home Warranty Claims and Coverage, Real Estate Investing, Property Value, Home Insurance
To determine the best home warranty companies, we analyzed 52 companies, across 60 different attributes including our in-house Consumer Sentiment Analysis. We also gathered and compared 106 price quotes to determine the best value.
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Home warranties are an optional policy homeowners can purchase to protect their appliances and other things like plumbing or pools. For example, when your dishwasher breaks and leaves you with a costly bill, a home warranty can step in and help to cover those costs. Home warranties typically cover repairs or replacements of appliances and last for a set period of time. This type of warranty is not included with the purchase of a home and comes at an added cost to the homeowner, paid either via contract or annual or monthly fees.
According to Liberty Homeguard, a claim is made when an appliance is in need of replacement or repair. A homeowner contacts their home warranty company to file a claim, which is followed by the company’s assessment of the situation and whether or not costs will be covered under the policy.
The best home warranty company will provide a timely claims process and have a fee structure that meets your budget. The Federal Trade Commission (FTC) suggests asking yourself the following questions before making a commitment:
Some of the complaints we’ve seen about home warranties include caps on claims, the inability to choose your own contractor and delays in connecting with a company to get a contractor to come out to your home. However, some complaints can stem from points in the contract that may not have been explained or gone over in detail. To avoid purchasing a home warranty that won’t provide what you need, ensure you review a contract thoroughly before committing to know what is and what is not covered.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
Lowe is a lead editor, covering all things related to home improvement and good design. She previously worked in the decor and lifestyle spaces for digital publishers such as Hunker, First Media and Ranker and has multiple years of experience creating design and DIY content.
