Beyond just covering repair costs, many home warranty plans offer access to qualified, pre-vetted technicians and additional perks like free HVAC tune-ups. Whether you’re a first-time homeowner or an experienced landlord, a home warranty can enhance your home care routine. The right coverage can turn unexpected breakdowns into minor inconveniences, allowing you to enjoy your home with peace of mind and without the constant worry of what might go wrong next.
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Top 10 Best Home Warranty Companies in 2025 - Protect Your Investment
Yearly household upkeep expenses have climbed to $7,283 on average. Sudden malfunctions can lead to expensive fixes, leaving homeowners unprepared to manage the costs. A home warranty serves as a financial safeguard, securing your home and offering reassurance.
However, choosing the right home warranty service can be daunting. With numerous providers, varying coverage options, and complex terms, it’s easy to feel overwhelmed. That’s why we’ve done the legwork for you. Our expert team has meticulously evaluated the industry’s leading companies to bring you this essential home warranty guide.
We’ll examine key factors like coverage options, costs, and customer feedback to guide your decision. Explore our Top 10 list below to find the best home warranty company for protecting your property and budget.
Our Top 5 Best Home Warranty Companies:
- Select Home Warranty - Homeowners in Need of Immediate Repair Solutions
- Elite Home Warranty - For Those Who Value Hassle-Free Claims Management
- Liberty Home Guard -Perfect for Busy Homeowners Seeking Swift Support
- Vanguard Home Warranty - Designed for Quick Action on Home Repair Needs
- Mike Holmes Protection - Fast-Track Solutions for Homeowners
9.4
We recommend getting quotes from several companies & comparing prices
9.4
We recommend getting quotes from several companies & comparing prices
Compare with Consumers Approach, Choose Your Best Fit
We understand the value of detailed and trustworthy reviews to help you make informed decisions. Our team of editors and industry professionals performs in-depth research to deliver valuable insights. We consistently update our content to align with the latest market trends, ensuring you receive the most current and reliable information.
At Consumers Approach, we prioritize providing thorough and reliable reviews to help guide your decisions. Our team of editors and industry experts conducts extensive research to deliver detailed insights. We regularly update our content to stay aligned with the latest market trends, ensuring you have access to the most accurate and up-to-date information.
Our Review Process: Assessing the Top Home Warranty Providers with Consumers Approach
Our team of industry experts carefully evaluates each home warranty provider, analyzing and ranking them based on essential factors to provide you with accurate, reliable, and actionable insights.
We analyze real user experiences, customer feedback, academic studies, and industry data to provide comprehensive reviews. By combining theoretical knowledge with practical insights, our evaluations deliver a well-rounded and reliable perspective.
Review Guidelines
Coverage Details: We thoroughly analyzed each provider’s policy coverage, payout limits, available add-ons, exclusions, and customization options to determine flexibility and inclusivity.
Claims Process: We assessed the simplicity, efficiency, and transparency of the claims process, including average waiting periods and resolution times.
Service Quality: We reviewed the quality and reliability of service providers, the timeliness of repairs, and the size and accessibility of each company’s contractor network.
Reputation: We evaluated the provider’s industry reputation, accreditations, and overall standing based on their track record and customer trust.
Pricing: We scrutinized premium costs, ensuring affordability while identifying plans that deliver strong value and reasonable coverage limits.
Customer Experience: We gathered and analyzed policyholder reviews from platforms like Trustpilot and the Better Business Bureau, assessing customer support responsiveness and communication quality.
Contracts and Policies: We examined the transparency of contract terms, cancellation policies, and any associated fees to ensure fairness and clarity for consumers.
Explore More Home Warranty Services:
Our Top 10 Best Home Warranty Companies - Quick Reviews:
1
Choice Home Warranty
Save on premiums with full coverage and round…
Read Choice Home Warranty Review →
- Best for - Homeowners seeking affordable full-home coverage
- Average annual premium - $562 - $657
- Service requests - 24/7 online and by phone
Choice Home Warranty stands out with its two straightforward plans and uniform $100 service fee. Its Basic Plan covers essential home systems and appliances, while the Total Plan covers air conditioning, refrigerators, and washers. It’s also our top home warranty for plumbing since it covers your entire plumbing system, including your water heater and garbage disposals. It also covers parts of your electrical system that regulate water pressure.
As Jake Hill, CEO of DebtHammer, notes, Choice Home Warranty is “especially helpful for owners of older homes” since it doesn’t “deny coverage based on the age of your home’s systems or appliances.”
Choice Home Warranty offers substantial protection, covering up to $3,000 per successful claim. Plus, you get your first month free if you purchase any single-payment home warranty plan.
Why we chose Choice Home Warranty: Choice Home Warranty’s straightforward plan structure and single $100 service fee make it our top option. In addition to its homeowner plans, CHW provides professional coverage for buyers and sellers. It also offers a 30-day trial, so you can try its services risk-free before fully committing.
Client perspective: Irene Smith (53) notes, “My last repair for my garage door was the best experience I’ve had in all the years I’ve had home warranty service. “ She also adds that the service person was on time, explained the issues, and fixed a major problem in about 15 minutes. “It was quick, professional, and couldn’t have been easier.”
Pros
- Offers 30-day guarantee on covered repairs
- First month free with purchase of any single payment plan
- Easy online claims process
Cons
- Limited add-on coverages
- Not available in Washington
1
Select Home Warranty
Select offers affordable premiums and fees
Read Select Home Warranty Review →
- Best for - Homeowners seeking affordable full-home coverage
- Average annual premium - $562 - $657
- Service requests - 24/7 online and by phone
Select Home Warranty provides competitively priced coverage for most major appliances and systems. Their premiums start at just $36/month, which is more affordable than other home warranty companies.
Jennifer Spinelli, real estate professional, investment advisor, and founder and CEO of Cash For Houses, calls Select Home Warranty “reliable and trustworthy.” She adds that she no longer worries about “costly repairs or replacements due to breakdowns or malfunctions.”
Three different plans are available and all of them include free roof leak coverage. However, Select Home Warranty’s services aren’t available in Nevada, Washington, or Wisconsin.
Why we chose Select Home Warranty: Their affordable premiums and minimal fees elevate them above their competitors. It’s also convenient that they offer two months free with their annual plan.
Our experience: We were particularly impressed with Select Home Warranty’s 24/7 friendly phone support and free roof leak coverage.
Pros
- Affordable premiums and fees
- 24/7 phone support
- Free coverage for roof leaks
Cons
- Low coverage limits
- Not available in Nevada, Washington, or Wisconsin
2
Elite Home Warranty
Customizable plans with adjustable service fees
Read Elite Home Warranty Review →
- Best for - Customizable plans
- Average annual premium - $500–$700
- Service requests - 24/7 online and by phone
Operating since 1971, Elite Home Warranty is the largest and most established company in the US home warranty market, with over two million members.
Tommy Gallagher, former investment banker and founder of Top Mobile Banks, was “impressed with the range of contractors they have available and the quality of service they provide.” Choose from their three customizable plans—ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver plan only covers 14 major systems, while the ShieldGold plan covers 23. For additional perks, ShieldPlatinum comes with complete system and appliance coverage. This includes cost-saving add-ons like free HVAC tune-ups, unlimited A/C refrigerant, coverage for rooks leaks and code violations, and higher payout caps for repairs and replacements. Why we chose Elite Home Warranty: They operate in 47 states and Washington DC, and you can customize your plan. Elite Home Warranty automatically covers duplicate items, plus older items with rust or corrosion. Our experience: We found Elite Home Warranty to be an excellent option for anyone seeking highly customizable plans and access to an extensive network of contractors. We could easily find a plan that suited our needs.Pros
- Highly customizable plans
- Includes undetectable pre-existing conditions
- Covers older items, including rust and corrosion
Cons
- No guarantee for repair times
- Not available in Alaska, New York City, or Hawaii
3
Liberty Home Guard
Live chat customer service
Read Liberty Home Guard Review →
- Best for - Homeowners looking for reliability, reviews & quick claims process
- Average annual premium - $365–$699.99
- Service requests - 24/7 online and by phone
With high ratings and great reviews, Liberty Home Guard has a reputation for delivering reliable service to customers.
They have three plans available (Systems Guard, Appliance Guard, and Total Home Guard) with optional financial protection for roof leaks, standalone freezers, generators, carpet cleaning, and power washing. New policyholders also get free limited roof leak protection and two free months of coverage.
Liberty Home Guard’s exceptional claims process sets them apart from other home warranty providers. They have a 24/7 call center and guarantee to assign a contractor to a claim within 24 to 48 hours. They also have a network of over 10,000 qualified technicians in all 50 states.
Liberty Home Guard has launched a comprehensive mobile app, revolutionizing how homeowners manage their home warranty accounts, file claims, and access real-time information. The app offers features like effortless access to warranty details, efficient claims management, streamlined payment tracking, seamless communication with technicians, real-time notifications, and a wealth of knowledge on home maintenance.
Why we chose Liberty Home Guard: Liberty Home Guard’s rates start at just $1/day, and their technicians arrive within 24 to 48 hours of claim submissions.
Our experience: We were pleased with Liberty Home Guard’s reliability, rapid claims processing, and excellent customer service.
Pros
- Excellent customer service
- Currently offers two free months
- Highly rated by customers
Cons
- Not available in Wisconsin
- Fewer technicians compared to other companies
4
Vanguard Home Warranty
Comprehensive coverage for all your appliances
Read Vanguard Home Warranty Review →
- Best for - Comprehensive appliance coverage
- Average annual premium - $550-$720
- Service requests - 24/7 online, by phone during normal business hours
Vanguard Home Warranty has comprehensive policies that cover most appliances and indoor systems. Offering up to $15,000 in annual coverage for repairs and replacements, they also have 24/7 online or phone service requests and a 30-day money-back guarantee.
They may be a little pricier than some competitors, but you get a lot for your money—all plans come with a deductible per-service visit. Why we chose Vanguard Home Warranty: Vanguard Home Warranty provides nationwide service and is good value for money when covering all appliances. Our experience: We were impressed with Vanguard Home Warranty extensive coverage and efficient customer service. It was easy to set up a plan, and we appreciated their 30-day money-back guarantee.Pros
- Covers most home appliances
- High coverage limits
- 30-day money-back guarantee
Cons
- 30-day waiting period
- 10% cancelation fee
5
Mike Holmes Protection
Covers items regardless of age
Read Mike Holmes Protection Review →
- Best for - High payout caps
- Average annual premium - $360–$546
- Service requests - 24/7 phone and online claims service No limit on number of service requests
Mike Holmes Protection is an ideal choice for those seeking robust home protection for their systems and appliances. The company has been in business since 1984 and claims it’s saved homeowners over $219 million in repair costs.
Coverage comes in the form of two basic plans and a premium plan. Mike Holmes Protection’s best features include that they protect items regardless of age and replace faulty items with brand-new equivalents if they can’t repair them. Why we chose Mike Holmes Protection: Mike Holmes Protection offers specialized plans for both real estate professionals and service providers. They also have 24/7 claims service, fully vetted tradespeople, and a transparent application process. Our experience: We liked Mike Holmes Protection’s response times, which were significantly faster than other companies.Pros
- 24/7 claims service
- Fully vetted tradespeople
- Low pricing and service fees
Cons
- Difficult to understand pricing breakdown without a personal quote
- Their app is poorly rated
7
Home Service Club
HSC offers unique coverage options nationwide
Read Home Service Club Review →
- Best for - Homeowners looking for extensive coverage options
- Average annual premium - $552-$799
- Service requests - 24/7 online, by phone during normal business hours
Home Service Club (HSC) offers two service plans: Standard and Comprehensive. The Standard plan covers 18 basic appliances and systems, while the Comprehensive plan covers 33. Optional add-ons, such as pool and roof coverage, are available for an extra fee.
HSC’s unique plans include pest damage and utility line cover, setting them apart from other home warranty services. You can also choose your service fee amount from three options ($65, $95, and $125), and all repairs have a 90-day guarantee.
However, HSC charges higher service fees and premiums than average. You must also live in a single-family residence, condo, townhouse, or multi-family property to qualify for a plan.
Why we chose Home Service Club: HSC has a broad selection of optional add-ons, including coverage of gas lines, grinder pumps, ductwork, pools, and spas. Additionally, the company’s services are available nationwide with no exclusions.
Our experience: We appreciated that HSC provides coverage for pest damage, which many competitors don’t.
Pros
- Provides coverage for pest damage
- Available nationwide
- 90-day workmanship guarantee on all repairs
Cons
- High base premiums and service fees
- Don't list pricing on the website
Our Home Warranty Experts
Top10.com’s content is developed and reviewed by an elite team of insurance experts and financial advisors who review articles to provide unbiased opinions.
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Insurance Expert
Cassidy Horton
Home Warranty Specialist
David Granahan
Qualified Financial Advisor
At Top10.com, we recognize the importance of thorough and accurate product and service reviews in guiding your choices. Our team, comprising editors and industry experts, conducts extensive research to provide comprehensive insights. Our content is continually updated to reflect the latest market trends, offering current information.
What is a Home Warranty?
How Do Home Warranties Work?
Home warranties help homeowners cover the cost of repairing or replacing appliances, systems, and other home items that break over time. When you purchase a home warranty, it’s like having a security blanket for unexpected repairs. If something goes wrong with covered items, the appliance warranty company pays for repairs or replacements up to your plan’s limit.
Should you have a problem with a covered item, you can call the warranty company and they’ll send a technician to fix it. The technician will use parts from an approved list to repair or replace the item so that it works again.
You usually need to pay a small service fee or deductible for each repair or replacement job. Your plan will cover the rest of the bill up to your policy amount. This is why many people view home warranties as a worthwhile investment—you pay little to nothing if something breaks.
Are Home Warranty Plans Worth It?
Home warranty plans are worth it for most homeowners. They protect you from the steep fees of unforeseen repairs and replacements, especially for major appliances such as fridges or washing machines.
There are many reasons to get a home warranty plan, including peace of mind, and knowing that if something breaks down in your house, you may not have to pay as much to get it fixed. Many companies also offer extra coverage options, like for pools, spas, additional appliances, or systems, so you can customize your plan depending on your needs.
How to Choose the Best Home Warranty Plan for Your Needs
When you’re ready to purchase a home warranty plan, follow these steps to choose the best provider for your needs:
- Compare plans and features: Research various home warranty contracts to find one that meets your requirements. Pay attention to coverage limits, service fees, and any additional benefits offered by each plan.
- Ask the right questions: Contact home warranty companies directly to clarify any uncertainties. Ensure you fully understand what is covered, as well as any restrictions or limitations that may apply.
- Gather multiple quotes: Before making a decision, request quotes from several providers and compare prices. Carefully read the contract’s fine print to avoid unexpected surprises later.
- Verify credentials: Choose companies that are certified by reputable organizations, such as the National Home Service Contract Association, to ensure they meet licensing and regulatory standards.
- Review customer feedback: Read reviews from previous customers to evaluate the company’s reliability, responsiveness, and customer service quality. This can give you a clearer picture of how claims and repair requests are handled.
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What Types of Home Warranty Plans Are Available?
Home warranty programs are an excellent way to protect yourself from costly repairs. With various types of plans available, it’s important to understand what each option covers. Here’s an overview of the different types of plans and their coverage:
- Appliance-Only Plans: Cover major household appliances such as cooktops, garbage disposals, refrigerators, and ovens.
- Systems-Only Plans: Focus on essential home systems, including plumbing, electrical, and HVAC systems.
- Comprehensive Plans: Provide coverage for both major appliances and home systems, offering the most extensive protection.
- Add-On Coverage: Includes additional items not covered in standard plans, such as pools, spas, second refrigerators, septic tanks, sump pumps, and well pumps.
Regardless of the type of home warranty plan you select, always review the fine print and ask any necessary questions before making a commitment. This ensures your investment is well-protected, giving you peace of mind for unexpected repairs.
What Is Not Covered Under Warranty?
While home warranty plans offer homeowners valuable protection, they don’t cover everything. Some items or situations require a higher-tier plan or specific add-ons to be eligible for coverage. Here are common exclusions to be aware of:
Breakdowns from Improper Maintenance: Damages or malfunctions caused by neglect or poor maintenance are typically excluded. For instance, failing to regularly replace your HVAC filters may void coverage for related issues.
Damage from DIY Repairs: Attempting to fix an item yourself and causing further damage will generally disqualify the repair or replacement from coverage. Always consult a professional if something needs attention.
Pre-Existing Damage: Issues that existed before your warranty policy began are not covered.
Cosmetic Issues: Minor aesthetic problems, such as scratched countertops or chipped wall paint, are usually excluded from standard warranties.
Code Violations: Damages related to building code violations, such as unpermitted home additions, won’t be eligible for coverage under your home warranty policy.
Best Home Warranty Companies By State
Home warranty coverage can vary significantly from state to state, with some companies offering better services and terms in certain regions. We break down the top home warranty providers in five key states: Arizona, California, Florida, Georgia, and Texas. Each state’s list is tailored to reflect local regulations, climate considerations, and customer preferences, helping you find the most suitable coverage.
- Select Home Warranty - Homeowners looking for a quick claims process
- Elite Home Warranty - Homeowners looking for a quick claims process
- Liberty Home Guard - Homeowners looking for a quick claims process
- Vanguard Home Warranty - Homeowners looking for a quick claims process
- Mike Holmes Protection - Best for unlimited coverage for home systems
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Bottom Line - Protect Your Investment with a Home Warranty
Frequently Asked Questions
In addition to the top home warranty companies outlined above, the following are also worth considering:
What is the average cost of a home warranty?
Costs vary depending on the company you choose, coverage level, number of add-ons, and size of your home. The average price of a basic home warranty plan is usually between $300 and $600 per year, which breaks down to $25 to $50 per month. In addition, factor in the cost of making service claims, which amounts to roughly $60 to $100 per claim.
Who pays for a home warranty—the buyer or the seller?
Both buyers and sellers can pay for home warranty services. However, it’s typical for sellers to throw in a one-year home warranty contract to make their home more appealing to potential buyers.
How long does a home warranty last?
Most home warranties typically last one year, though some companies offer multi-year plans.
Does a home warranty cover roof repairs?
Most home warranties don’t cover roof repairs. However, you can add roof leak coverage if you go with a provider like American Home Shield or Select Home Warranty.
What is a home warranty when selling a house?
A home warranty when selling a house is a service contract that covers repairs and replacements of major system components and built-in appliances, such as HVAC systems, water heaters, and kitchen appliances. This gives peace of mind to both the buyer and seller and can help catch anything overlooked during an inspection.
How much is home warranty insurance?
Home insurance, also called homeowner’s insurance, differs from a home warranty. Home insurance rates vary widely by state and home size, but you can expect to pay anywhere from $450 to $4,000 per year, per home. On average, Americans spend about $1,700 per year on this expense.
Which home warranty companies offer the best HVAC coverage?
Homeowners looking for HVAC coverage should consider Select Home Warranty and Elite Home Warranty. Both provide comprehensive protection plans that cover your HVAC system, appliances, and major systems. Select Home Warranty includes HVAC coverage in its basic plan, while Elite Home Warranty requires you to sign up for its Gold plan to get the same.
What’s the difference between a home warranty and homeowners' insurance?
Homeowners’ insurance and home warranties are two different types of coverage that protect homeowners in different ways: Homeowners’ insurance protects your property from damage caused by natural disasters, fire, theft, and more. It covers the cost of repairing or replacing your home and personal belongings while providing liability protection if someone is injured on your property. Home warranties cover repairs and replacements of major system components and built-in appliances. They’re meant to protect homeowners from unexpected breakdowns and repairs not typically covered by homeowners’ insurance. Both types of coverage are valuable and provide different types of protection for your home.
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