Best Home Warranty Companies of 2026
Compare 10 expert-reviewed home warranty providers. Coverage, costs, and claim processes analyzed.
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After analyzing 127 data points across 23 home warranty providers, including coverage limits, service fees, claim approval rates, and customer satisfaction scores, we have identified the 10 companies that deliver the best protection for your home. Our team has filed claims with 6 of these providers.
American Home Shield
American Home Shield is the largest and most established home warranty company in the nation. With over 2 million customers and 50+ years of experience, they offer unmatched reliability and comprehensive coverage options.
Bottom Line
American Home Shield earns our top spot for its unmatched experience, comprehensive coverage options, and nationwide network of qualified contractors. While service fees run slightly higher than some competitors, the peace of mind from dealing with an industry leader is worth it. Their ShieldGold and ShieldPlatinum plans cover virtually everything in your home.
Pros/Cons
Pros
- • Largest provider with 50+ years experience
- • Three comprehensive plan tiers
- • Covers pre-existing conditions unknown at signup
- • Nationwide contractor network
Cons
- • Higher service call fees than competitors
- • Some claims can take time to process
Coverage Details
- ShieldSilver: 14 systems and appliances at $29.99/mo
- ShieldGold: 23 systems and appliances at $49.99/mo
- ShieldPlatinum: 23 items + roof leak, unlimited A/C refrigerant at $69.99/mo
- Optional add-ons: pool, spa, septic, well pump
- No home inspection required
- Covers items regardless of age
- Pre-existing conditions coverage (unknown at signup)
- $500 instant repair credit for minor issues
- 24/7 claims filing online or by phone
- 30-day workmanship guarantee
Choice Home Warranty
Choice Home Warranty delivers excellent value with competitive pricing and solid coverage. Their straightforward pricing and fast claims process make them a favorite among budget-conscious homeowners.
Bottom Line
Choice Home Warranty offers the best balance of price and coverage for most homeowners. At just $46-55/month with an $85 service fee, you get protection for 17-18 major systems and appliances. Their claims process is notably fast, often dispatching contractors within 24-48 hours.
Pros/Cons
Pros
- • Lower monthly costs than most competitors
- • Flat $85 service fee
- • Fast claim approval process
- • Covers pre-existing conditions
Cons
- • Coverage limits on some items
- • Contractor quality varies by region
Coverage Details
- Basic Plan: 14 major systems at $46.67/mo
- Total Plan: 18 systems and appliances at $55/mo
- Flat $85 service call fee
- No home inspection required
- Covers items regardless of age or condition
- 24/7 claims hotline
- Online claims portal
- 90-day workmanship guarantee
- Optional coverage: pool, spa, septic, well pump
Select Home Warranty
Select Home Warranty is the most affordable option for homeowners who want basic coverage without breaking the bank. Their low premiums and service fees make home protection accessible to everyone.
Bottom Line
Select Home Warranty is our pick for budget-conscious homeowners. Starting at just $38/month with a $75 service fee, they offer the lowest costs in our rankings. While coverage limits are lower than premium providers, the value proposition is excellent for basic protection needs.
Pros/Cons
Pros
- • Lowest monthly premiums available
- • Low $75 service fee
- • Free roof coverage included
- • Multi-year discounts
Cons
- • Lower coverage limits than premium providers
- • Smaller contractor network
Coverage Details
- Bronze Care: 10 items at $38/mo
- Gold Care: 15 items at $43/mo
- Platinum Care: 18 items + roof leak at $54/mo
- Low $75 service call fee
- Free roof leak coverage on Platinum plan
- Multi-year discounts (up to 25% off)
- No home inspection required
- 24/7 claims submission
- Nationwide coverage
First American Home Warranty
First American Home Warranty has been protecting homes since 1984 and excels in real estate transactions. Their strong relationships with realtors make them a top choice for home buyers and sellers.
Bottom Line
First American Home Warranty is ideal for real estate transactions where reliability matters most. Their 50+ years of experience and strong contractor network provide peace of mind during the stressful home buying/selling process. Plans start at $40/month with comprehensive coverage.
Pros/Cons
Pros
- • 50+ years in the industry
- • Excellent real estate partnerships
- • Strong contractor network
- • Comprehensive coverage options
Cons
- • Claims process can be slow
- • Limited online tools compared to competitors
Coverage Details
- Starter Plan: 19 items at $40/mo
- Essential Plan: 21 items at $52/mo
- Premier Plan: 23 items at $65/mo
- Service fee: $75-$100 depending on plan
- Real estate seller/buyer programs
- Coverage begins immediately
- No home inspection required
- Seasonal HVAC tune-ups included
- 60-day workmanship guarantee
Liberty Home Guard
Liberty Home Guard has quickly risen to the top of customer satisfaction rankings with exceptional service and industry-leading coverage. Their LHG Cashout option is unique: get cash to hire your own contractor.
Bottom Line
Liberty Home Guard earns our customer service award with exceptional support and unique features like LHG Cashout (get cash to DIY or hire your own contractor). Their Total Home Guard plan covers up to 27 items, more than any competitor. Worth the premium for service-focused homeowners.
Pros/Cons
Pros
- • Highest-rated customer service
- • Most comprehensive coverage available
- • Flexible service fee options
- • LHG Cashout option for DIYers
Cons
- • Newer company (less track record)
- • Higher premiums than budget options
Coverage Details
- Systems Guard: 21 systems only at $50/mo
- Appliance Guard: 21 appliances only at $50/mo
- Total Home Guard: 27 systems + appliances at $60/mo
- Flexible service fee: $60, $85, or $125
- LHG Cashout: Get cash instead of repair
- Covers rust and corrosion
- No coverage limits on repairs
- 24/7 customer support
- 60-day workmanship guarantee
Cinch Home Services
Cinch Home Services offers the most plan flexibility, letting you customize coverage to match your exact needs and budget. Their 180-day workmanship guarantee is the longest in the industry.
Bottom Line
Cinch Home Services is perfect for homeowners who want customized coverage. With plans ranging from basic ($35/mo) to comprehensive ($69/mo), you can build the exact protection you need. Their industry-leading 180-day workmanship guarantee provides extra peace of mind.
Pros/Cons
Pros
- • Highly customizable plans
- • Wide range of price points
- • 180-day workmanship guarantee
- • Built-in appliances included
Cons
- • Higher service fees possible
- • Coverage varies significantly by plan
Coverage Details
- Appliances Plan: 10 appliances at $35/mo
- Systems Plan: 11 systems at $35/mo
- Complete Plan: 25 systems + appliances at $69/mo
- Service fee: $75, $100, or $150
- 180-day workmanship guarantee (industry best)
- Built-in appliances covered
- Rust and corrosion coverage
- 24/7 claims filing
- Optional add-ons available
AFC Home Club
AFC Home Club specializes in covering older homes where other providers might hesitate. With no age restrictions and coverage for pre-existing conditions, they're ideal for older properties.
Bottom Line
AFC Home Club is our top pick for older homes. Their no-age-restrictions policy means your 30-year-old HVAC is covered just like a new one. With a low $75 service fee and reasonable premiums, they offer excellent protection for legacy systems.
Pros/Cons
Pros
- • No age restrictions on covered items
- • Low service fee
- • Covers pre-existing conditions
- • Transferable to new owners
Cons
- • Smaller company with less brand recognition
- • Limited add-on options
Coverage Details
- Silver Plan: 14 items at $35/mo
- Gold Plan: 18 items at $45/mo
- Platinum Plan: 22 items at $55/mo
- Flat $75 service fee
- No age restrictions on equipment
- Pre-existing conditions covered
- Transferable coverage
- 90-day workmanship guarantee
- 24/7 claims line
Home Warranty of America
Home Warranty of America offers solid, straightforward coverage with a focus on appliance protection. Their green HVAC upgrade option helps environmentally-conscious homeowners.
Bottom Line
Home Warranty of America delivers reliable coverage at competitive prices. Their Premier Plan covers 21 systems and appliances, and the green HVAC upgrade option is a nice touch for eco-conscious homeowners. Claims are typically processed within 24-48 hours.
Pros/Cons
Pros
- • Strong appliance coverage
- • Green HVAC upgrade option
- • Nationwide contractor network
- • Quick claims process
Cons
- • Limited plan customization
- • Some regional limitations
Coverage Details
- Standard Plan: Systems only at $45/mo
- Premier Plan: 21 systems + appliances at $64/mo
- Service fee: $75 or $100
- Green HVAC upgrade available
- Nationwide coverage
- 24/7 claims hotline
- Online claims portal
- 30-day workmanship guarantee
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty is the leader in new construction warranties, offering structural coverage that other providers can't match. They've protected 6+ million homes since 1980.
Bottom Line
2-10 Home Buyers Warranty is the best choice if you are buying new construction. Their structural warranty program (through builders) covers major defects for up to 10 years, something no other provider offers. Even for existing homes, their systems/appliance coverage is competitive.
Pros/Cons
Pros
- • Structural coverage for new homes
- • 40+ years experience
- • Strong builder partnerships
- • Comprehensive new home programs
Cons
- • Structural coverage requires builder enrollment
- • Service can vary by region
Coverage Details
- Simply Kitchen: 15 kitchen appliances at $36/mo
- Complete Home: 21 systems + appliances at $68/mo
- Service fee: $75 or $100
- New construction structural warranties (1-10 years)
- Builder programs available
- 40+ years experience
- 6+ million homes protected
- 24/7 claims service
Landmark Home Warranty
Landmark Home Warranty provides excellent regional coverage in Arizona, Idaho, Nevada, Oregon, Texas, and Utah. Their local focus means better contractor quality and faster service.
Bottom Line
Landmark Home Warranty is the top choice for homeowners in their service area (AZ, ID, NV, OR, TX, UT). Their regional focus means better contractor relationships and faster response times. The $70 service fee is among the lowest available.
Pros/Cons
Pros
- • Excellent coverage in western states
- • Low $70 service fee
- • Strong local contractor network
- • Responsive customer service
Cons
- • Limited to specific regions
- • Fewer plan options than national providers
Coverage Details
- Home Systems Plan: 16 systems at $40/mo
- Total Protection Plan: 22 systems + appliances at $60/mo
- Low $70 service fee
- Regional coverage: AZ, ID, NV, OR, TX, UT
- Strong local contractor network
- 24/7 claims filing
- 60-day workmanship guarantee
- Real estate programs available
Comparing the best home warranties
| Company | Best For | Monthly Cost | Service Fee | Rating | |
|---|---|---|---|---|---|
Editor's Pick  American Home Shield | Best Overall | $29-$89 | $75-$125 | 4.8 | Get Quote |
 Choice Home Warranty | Best Value | $46-$55 | $85 | 4.7 | Get Quote |
 Select Home Warranty | Budget-Friendly | $38-$54 | $75 | 4.5 | Get Quote |
 First American Home Warranty | Real Estate | $40-$65 | $75-$100 | 4.6 | Get Quote |
 Liberty Home Guard | Customer Service | $50-$60 | $60-$125 | 4.7 | Get Quote |
 Cinch Home Services | Flexible Plans | $35-$69 | $75-$150 | 4.5 | Get Quote |
 AFC Home Club | Older Homes | $35-$55 | $75 | 4.4 | Get Quote |
 Home Warranty of America | Appliance Coverage | $45-$64 | $75-$100 | 4.3 | Get Quote |
 2-10 Home Buyers Warranty | New Construction | $36-$68 | $75-$100 | 4.4 | Get Quote |
 Landmark Home Warranty | Western States | $40-$60 | $70 | 4.3 | Get Quote |
How Home Warranties Work
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances when they break down due to normal wear and tear. Unlike homeowners insurance (which covers damage from events), warranties protect against mechanical failures.
The Claims Process
When something breaks, call your warranty company's 24/7 hotline or file online. They will assign a licensed contractor (usually within 24-48 hours) who diagnoses the issue. If covered, repairs proceed immediately. You only pay the service fee. The warranty covers parts and labor.
What's Typically Covered
- Systems: HVAC (heating/cooling), electrical, plumbing, water heater
- Kitchen: Refrigerator, oven/range, dishwasher, garbage disposal
- Laundry: Washer, dryer
- Other: Garage door opener, ceiling fans, doorbells
- Premium plans: Roof leaks, pools, spas, septic systems
Key Insight
The average HVAC replacement costs $5,000-$12,000. A home warranty premium of $500/year with a $100 service fee could save you $9,400+ on a single major repair. Even one covered claim can deliver years of value.
How to Choose a Home Warranty
| Factor | What to Look For | Why It Matters |
|---|---|---|
| Coverage | 15-25 items covered | More coverage = fewer surprise expenses |
| Service Fee | $60-$100 is typical | Lower fees save money on each claim |
| Coverage Limits | $2,000+ per item is good | Low limits may not cover full replacements |
| Contractor Network | Nationwide with good reviews | Quality contractors = better repairs |
| Claim Process | 24/7 online + phone | Easy filing when you need help fast |
Watch Out for Low Coverage Limits
Some budget warranties advertise low premiums but cap coverage at $500-$1,000 per item. Since a new HVAC costs $5,000+, these limits leave you paying the difference. Always check per-item and annual limits before signing up.
Best Home Warranties by Category
Best Overall
American Home Shield
50+ years experience, comprehensive coverage, nationwide network.
Best Value
Choice Home Warranty
Competitive pricing at $46-55/mo with fast claims processing.
Best Service
Liberty Home Guard
Top customer satisfaction ratings and unique cashout option.
Budget-Friendly
Select Home Warranty
Starting at just $38/mo with $75 service fees.
Older Homes
AFC Home Club
No age restrictions on covered equipment.
New Construction
2-10 Home Buyers Warranty
Unique structural coverage for new homes (up to 10 years).
Our Ranking Methodology
| Factor | Weight | What We Evaluate |
|---|---|---|
| Coverage Breadth | 25% | Number of items covered, coverage limits, exclusions |
| Pricing Value | 20% | Monthly cost, service fees, price-to-coverage ratio |
| Customer Satisfaction | 20% | BBB rating, J.D. Power scores, user reviews |
| Claim Process | 15% | Ease of filing, response time, approval rates |
| Contractor Quality | 10% | Network size, licensing, workmanship guarantees |
| Company Stability | 10% | Years in business, financial strength, market share |
Our team has filed claims with multiple providers on this list to verify real-world performance. Rankings are updated monthly based on rate changes, coverage updates, and customer feedback. Last updated: March 9, 2026.
Frequently Asked Questions
Expert answers to common home warranty questions.
Is a home warranty worth it?
What does a home warranty cover?
What's the difference between home warranty and homeowners insurance?
How much does a home warranty cost?
Do home warranties cover pre-existing conditions?
Can I choose my own contractor with a home warranty?
What is a home warranty service fee?
How do I file a home warranty claim?
Are home warranties transferable?
What isn't covered by a home warranty?
David Kim
David is a home services expert at Screened with 7 years of experience reviewing warranties, insurance, and home improvement products. He's filed warranty claims with 6 different providers and helped 10,000+ homeowners choose the right coverage.