The Best Home Warranty Companies of

Best Home Warranty Plans by Location

The best home warranty is one that suits your needs as a homeowner, and the first consideration is location. Different regions have different needs, and what works in one area may not be the best choice in another.

For example, if you live in a hot climate, you’ll want to be sure to find a home warranty that has comprehensive coverage for your HVAC or cooling system. And those living in cold climates will want to look for a warranty that covers heating systems and their components.

By taking your location into account, you can narrow down your choices and find the best home warranty plan. So before you start shopping around, take a moment to think about where you live and how that shapes the type of coverage you’ll need. With that information in hand, you’ll be well on your way to finding the best home warranty for your home.

Best Home Warranty By State

Many home warranty coverage options vary from state to state, so you’ll need to know exactly what each home warranty covers. To start, make a list of all the appliances and systems you want coverage for in your home. Then when researching, you can refer back to this list to make sure you get the exact coverage you need for your home.

Since coverage options may vary in your state, it’s best to research the best home warranty plans for your area. In states with extreme heat conditions like California, Texas, Louisiana and Florida for example, top home warranty companies include those with robust HVAC and cooling system coverage like American Home Shield and Select Home Warranty.

It’s important to note that not all home warranty companies provide coverage in all 50 states, so be sure to use the zip code tool on the company’s website to see what coverage and plans are available for your home.

Best Home Warranty By City

If you’re looking for the best home warranty in your city, there are a few factors to consider. In cities where home prices are typically higher than in other parts of the country, like San Francisco, New York and Denver, you’ll want to make sure you get a warranty that covers all of your potential needs at a price that fits your budget. In Phoenix, the average home price is lower, but the climate is much harsher, so you’ll want to make sure your warranty covers things like AC repair and replacement. And in Seattle, you’ll need to account for both the high cost of living and the wet weather, particularly roof leak coverage, when choosing a home warranty.

To help you make the best decision for your needs, we’ve compiled a list of the best home warranties in each of the most populated cities in the United States. In Houston, New York City, Chicago and Atlanta, you’ll find that companies like The Home Service Club and Choice Home Warranty offer comprehensive coverage at a great price. And in Denver and Phoenix, First Premier Home Warranty and Liberty Home Guard are top choices.

Best Home Warranties by Repair or Service Needed

When it comes to home warranties, not all plans are created equal. Some companies offer total-home protection, covering both your home’s major systems as well as appliances, while other companies offer more of an “a la carte” approach that allows homeowners to build the right amount of coverage for your home and your budget. With so many options to choose from, it can be tough to know where to start—so we’ve helped compile some of the top contenders for you.

Best Home Warranty for HVAC 

For homeowners that live in areas with extreme summer or winter temps, your HVAC system can be one of the lifelines in your home. Unfortunately, repairs and replacements can be especially expensive for these systems. A home warranty can help to offset some of the costs, but it’s important to choose the right one.

The best home warranty for HVAC will provide coverage for all major components of the HVAC system, including the air conditioner, furnace and ductwork. Top choices for HVAC coverage are American Home Shield, with no dollar limit on the covered components of AC repairs, and HomeServe, which offers “a la carte” heating and cooling plans, or combo plans that include HVAC, and covers breakdowns of your heating and cooling systems, dirty filters, faulty thermostats and more.

Best Home Warranty for Roof Coverage

Home warranty companies rarely offer roof leak coverage in their base plans, however, it is commonly offered as an add-on service. While coverage maximums vary from company to company, home warranties typically cover roof leaks that occur from normal wear and tear over an occupied living area of your home. This means if your roof is leaking over your detached garage, it’s likely not covered by a home warranty.

American Home Shield includes roof leak coverage in their top-tier plan, or as an add-on to their other plans, and the company provides up to $1,500 in coverage per year for roofs, among the highest in the industry. Liberty Home Guard and Select Home Warranty also offer great add-on roof leak coverage, with coverage maximums of $500 and $400, respectively.

Best Home Appliance Warranty 

Appliances make our lives easier in so many ways—and when they break down, it can be a headache to live without them while we fork over the money to fix or replace them. This is why an appliance home warranty can be extremely valuable.

So what’s the best home warranty for home appliances? The answer will depend on your home’s needs, but we found Choice Home Warranty to have the best maximum coverage, with $3,000 allotted per appliance per year. Some homeowners may prefer to purchase coverage via an appliance-only plan, and our top choice for “a la carte” appliance coverage is Select Home Warranty.

Best Home Warranty for Plumbing

Plumbing is an integral part of a home warranty, as repairs and replacements to this system can be expensive and inconvenient. Fortunately, a majority of home warranty companies include plumbing systems in their core plan offerings. Where companies differ is generally in their coverage caps. Most companies cover up to $500 per year in plumbing repairs; The Home Service Club covers up to $750, while Liberty Home Guard covers up to $2,000. But coverage caps shouldn’t be your only deciding factor when it comes to plumbing coverage. It’s also important to pay attention to coverage limitations and exclusions, as some companies do not cover damage due to tree roots or rust and corrosion in the pipes.

Top Home Warranty Companies by Property Type

Experts agree that home warranties can provide extra protection and peace of mind for one of your biggest investments: Your home. No matter what type of home you have or hope to buy, there are home warranties available to cover you. Next up, we’ll help you explore the best warranties by home type so you can figure out the best home warranty company for you.

Top Home Warranty Company for Homes

For single-family homes, especially homes that were built more than 10 years ago, we recommend a comprehensive home warranty that covers all major systems and appliances, like The Home Service Club. For multi-family homes, like townhouses, we recommend a basic home warranty that covers essential systems and appliances. Select Home Warranty and HomeServe are great choices for this type of coverage. No matter which type of home warranty you choose, be sure to read the fine print carefully so you know exactly what’s covered.

Best Home Warranty for Condo

Condominiums have different repair needs than single-family homes, which means as a condo owner, you’ll have to consider different things when researching home warranties. For example, many condos have shared systems that will be covered under the building’s insurance policy (and your HOA fee). But typically, condo owners are responsible for the systems and appliances within the home, which means a home warranty can come in handy to alleviate the burden of repairing or replacing these important items. 

For the best home warranty for condos, we recommend HomeServe, which allows homeowners to pick and choose from “a la carte” services, so you aren’t stuck paying for coverage you won’t need in your condo. We also like that American Home Shield and America’s 1st Choice Home Club both offer three (or more) tiers of plan options, giving condo owners the ability to purchase only the coverage they need.

Best Home Warranty for Rental Property

A home warranty can help streamline the job of a landlord or property manager by making it easier to locate trusted service providers and minimizing operating expenses by limiting the total cost of repairs and replacements.

The best home warranty for landlords will depend on the needs of your property. Factors to consider include whether there are any shared systems between rental units, whether your property has a pool or spa and of course, size and location of your property.

We found the best home warranty for rental properties to be HomeServe, a great option for someone who wants to cover specialized items, such as exterior pipes, which aren’t covered by many other home warranty plans. America’s 1st Choice Home Club is another great option for rental properties due to their plan-length workmanship guarantee. This guarantee is outstanding in the industry, as most companies provide a 30-day workmanship guarantee. This is especially helpful for property managers and owners who may not be available to follow up on repairs after they’re made.

In Sum…

There’s no one-size-fits-all answer to the question “what is the best home warranty company?.” In short, the best home warranty plan depends on a number of factors, including the type of home you live in, the amount of coverage you need and your budget. To find the best home warranty companies, look for those with a proven track record of service and solid customer reviews. By taking some time to research your options and understand what’s available, you can find the best warranty for your home.

If you need help finding the best home warranty for you, be sure to read our in-depth home warranty reviews, where we discuss coverage options, customer service, claims processing, exclusions and limitations and more for each home warranty company.