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Best Home Warranties of 2025: Prices and Coverage
Our list includes Liberty Home Guard, Old Republic Home Protection and First American Home Warranty among others.
Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.
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NerdWallet's content is fact-checked for accuracy, timeliness and relevance. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible.
Whitney Vandiver writes for NerdWallet, currently focusing on home services, and has been published in the The Washington Post, the Los Angeles Times, The Seattle Times and The Independent. When she's not writing, she enjoys reading with a hot latte and spending time with her family. She is based in Houston.
Julie Myhre-Nunes leads the Home Services team, covering home improvement, home warranties, home security, solar and moving. She has over a decade of experience in personal finance. Before joining NerdWallet, she led editorial teams at Red Ventures and several startups. Her personal finance insights have been featured in Forbes, The Boston Globe and CNBC, while her writing has appeared in USA Today, Business Insider, Wired Insights and more.
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The top home warranty providers offer a variety of coverage options, transparent pricing, good customer support and large coverage caps on customer claims. Your best option depends on your anticipated home repair needs and which coverage features are most important to you.
We’ve done the research for you, comparing cost, coverage and availability, and reviewed the companies we think offer the best options. Here are our top picks for the best home warranty companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
Key facts
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
Low coverage limits on electrical and plumbing.
Monthly premiums
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
Low coverage limits on electrical and plumbing.
Liberty Home Guard is the only company on our list that offers appliance-only, systems-only, and comprehensive plans. This variety lets customers go all in on coverage or just cover certain types of items, whichever fits their needs best. Another plus is Liberty Home Guard’s appliance plan covers more appliances than the cheapest plans of the other companies on our list. The company also offers the most add-on options for extra coverage outside of plans.
What we like about Liberty Home Guard
In addition to offering system-only, appliance only and comprehensive plans, Liberty Home Guard has optional coverage for a lot of items, including items that some competitors tend to ignore, such as saltwater pool systems, sprinkler systems and water filtration systems. Another thing that stood out to us for Liberty Home Guard is its customer ratings, which are higher on average than many of the other home warranty companies we’ve researched. It’s also available in all 50 states.
What we wish was better with Liberty Home Guard
We don’t like that Liberty’s coverage limit is only $500 each for electrical and plumbing, which is relatively low compared to competitors. Although the company guarantees technician work for 60 days, which is more than some competitors offer, it’s not the longest guarantee we’ve seen. We also don’t like that the company won’t pay to repair a wall, floor or ceiling if a technician has to cut into one to repair a covered system.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
This cost is based on quotes gathered in February 2024.
$20 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
Key facts
Unlike most plans, the ShieldPlatinum plan includes roof leak coverage. Usually, this coverage is only available as an add-on.
Pros
Will pay for wall damage when accessing plumbing or electrical items.
High coverage limits on electrical and plumbing.
Can choose your own contractor.
Coverage in most states.
Cons
Low customer satisfaction ratings.
Monthly premiums
This cost is based on quotes gathered in February 2024.
$20 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Unlike most plans, the ShieldPlatinum plan includes roof leak coverage. Usually, this coverage is only available as an add-on.
Pros
Will pay for wall damage when accessing plumbing or electrical items.
High coverage limits on electrical and plumbing.
Can choose your own contractor.
Coverage in most states.
Cons
Low customer satisfaction ratings.
Most home warranty companies don’t pay for repairs if a covered item malfunctions because of a lack of maintenance, rust or corrosion, or a mismatched HVAC system — but American Home Shield does. This bit of extra coverage might come in handy for homeowners who aren’t skilled at routine maintenance, don’t have years of maintenance records to provide or are worried about older systems.
What we like about American Home Shield
We like that American Home Shield has relatively low monthly premiums in some areas, making it more affordable for some customers than its competitors. We also like that the company has higher coverage limits than many other home warranty companies, paying up to $5,000 for HVAC systems, $3,000 each for electrical and plumbing, and $2,000 to $4,000 per appliance, depending on your plan. American Home Shield will also pay up to $50,000 for all repairs during a 12-month service agreement, which is higher than most competitors will pay.
What we wish was better with American Home Shield
American Home Shield’s monthly premiums can vary widely among ZIP codes within the same city, which means someone across town could pay $30 less per month than you do for the same coverage. We also don’t like that the company offers a short 30-day repair guarantee, and its service fee options are on the higher side.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
The Starter plan starts at $42 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska, Connecticut, Delaware, Hawaii, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
35
states
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
Cons
Coverage limited to 36 states.
Have to use its contractors.
Monthly premiums
The Starter plan starts at $42 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska, Connecticut, Delaware, Hawaii, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
35
states
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
Cons
Coverage limited to 36 states.
Have to use its contractors.
Most home warranties have limits on what they’ll pay toward certain repairs, but First American Home Warranty doesn’t limit how much it’ll pay for most repairs. The company has no cap on HVAC, electrical and plumbing repairs (except for the water heater with cheaper plans), which means it’ll pay a repair bill regardless of the cost if it approves your claim.
What we like about First American
Aside from the unlimited coverage caps, we also like that First American Home Warranty has flexible service fee options: $100 and $125, though these are on the higher end for the home warranty market. Even though First American does cap how much it’ll pay toward appliance repairs, its limit is $3,500 to $7,000 per appliance, which could help with larger repairs. Additionally, the company includes permanently installed sump pumps in its coverage for plumbing repairs, which isn’t common with other companies.
What we wish was better about First American
First American offers only comprehensive plans, which means you’ll have to purchase the more expensive option if you want coverage for certain systems or appliances. On that note, we don’t like that First American Home Warranty’s cheapest plan covers heating systems and ductwork but not air conditioning systems. Moreover, the company provides a 30-day repair guarantee, which is short compared to several competitors’ workmanship guarantees.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
Monthly premiums
This cost is based on quotes gathered in March 2024.
$45 and up
Service fees
$100 to $125
per claim
States available
Excludes Alaska, Colorado, Connecticut, Delaware, Hawaii, Illinois, Indiana, Iowa, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Dakota, Pennsylvania, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming.
25
states, and Washington, D.C.
Key facts
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
Pros
High coverage limits on HVAC, electrical and appliances.
May be able to choose your own contractor.
Decent customer satisfaction ratings compared to competitors.
Cons
If they have to put a hole in the wall, wall repair is only for a rough finish, no texture or paint.
Monthly premiums
This cost is based on quotes gathered in March 2024.
$45 and up
Service fees
$100 to $125
per claim
States available
Excludes Alaska, Colorado, Connecticut, Delaware, Hawaii, Illinois, Indiana, Iowa, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Dakota, Pennsylvania, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming.
25
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
Pros
High coverage limits on HVAC, electrical and appliances.
May be able to choose your own contractor.
Decent customer satisfaction ratings compared to competitors.
Cons
If they have to put a hole in the wall, wall repair is only for a rough finish, no texture or paint.
Although Old Republic Home Protection doesn't have the highest average customer satisfaction score on our list, the company earns the title of best for customer satisfaction because of its record of positive reviews. Other companies on our list had a mix of high and low customer satisfaction scores on the review websites we considered — but Old Republic’s scores were the most consistently good across the three review websites we considered. This tells us that different sets of customers are having similar experiences with the company, which trend toward positive customer service. The company also has an A+ rating with the Better Business Bureau, which considers how responsive companies are to consumer complaints. These achievements show that the company works harder than some of its competitors when it comes to customer satisfaction.
What we like about Old Republic
We like that Old Republic Home Protection has no limit on electrical repairs and pays up to $6,500 per system for HVAC repairs, which is above most competitors’ limits. Its appliance coverage limit of $3,500 to $7,000 puts it ahead in the market, though the level of coverage depends on which plan you choose. Additionally, although it offers only comprehensive plans, its cheaper plan covers several systems and appliances. Old Republic also has flexible service fees, but the lowest option is $100.
What we wish was better with Old Republic
The Basic Plan covers heating systems and ductwork but not air conditioning, which is a key system homeowners might want to cover. To get that coverage, you have to pay an extra monthly fee or move up to the Deluxe Plan. We also found that the company’s coverage limit for plumbing repairs is low, only paying $1,500 toward leaks and $600 for toilets rather than a general limit for all plumbing issues. And Old Republic gives customers only a 30-day repair guarantee.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
We'll match you with home warranty companies based on details like your state, the appliances you want covered, and your budget. No personal information required.
Monthly premiums
This cost is based on quotes gathered in May 2024.
$35 and up
Service fees
$65, $85 or $100 per claim.
Key facts
2-10 Home Buyers Warranty offers flexible service fee options and guarantees its repairs for the term of a service agreement.
Pros
Decent coverage limits.
Has add-on option to increase coverage limits up to $25,000 total in claim coverage.
Cons
Won't pay for damage when accessing covered items.
Low customer satisfaction ratings.
Can't choose your own technicians.
Monthly premiums
This cost is based on quotes gathered in May 2024.
$35 and up
Service fees
$65, $85 or $100 per claim.
Key facts
2-10 Home Buyers Warranty offers flexible service fee options and guarantees its repairs for the term of a service agreement.
Pros
Decent coverage limits.
Has add-on option to increase coverage limits up to $25,000 total in claim coverage.
Cons
Won't pay for damage when accessing covered items.
Low customer satisfaction ratings.
Can't choose your own technicians.
Among the home warranty companies on our list, 2-10 Home Buyers Warranty has the smallest gap between the cheapest and most expensive quotes. It also offers consistent pricing regardless of location, allows customers to choose from flexible service fees to fit a budget, and has the lowest service fee option among all of the home warranty companies we reviewed. With all of this going for it, 2-10 Home Buyers offers homeowners the best options for plan pricing.
What we like about 2-10 Home Buyers
We like that the company offers an appliance-only plan, so you can avoid paying for extra coverage if you’re not worried about home systems. We also appreciate that 2-10 Home Buyers Warranty’s service fees max out at $100 and go as low as $65, which is lower than some competitors’ fees. Although the company has coverage limits of $2,000 for systems, you can pay extra to boost coverage to $5,000 per system. Lastly, 2-10 guarantees repairs for the full term of your service agreement; this means if a repair fails before your contract expires, the company will repair it again without charging you a service fee.
What we wish was better with 2-10 Home Buyers
Although 2-10’s coverage limits are comparable to those of other companies we reviewed, we don’t like that it has different limits for different appliances instead of the same limit for every appliance. For example, 2-10 pays up to:
$2,000 toward a refrigerator.
$1,000 for a range, oven or cooktop.
$500 toward a dishwasher.
$500 for a built-in microwave.
We don’t like that 2-10’s plans don’t cover ductwork, garbage disposals, ceiling fans or garage door openers, which many competitors include in their plans. Additionally, customers have to purchase the most expensive plan to cover clothes washers and dryers. Also, we don’t like that the company has relatively low customer satisfaction reviews compared to its competitors.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Pros
Will pay for wall damage caused by performing repairs.
High coverage limits on electrical and plumbing.
Coverage in most states.
Cons
Have to use its contractors.
Low customer satisfaction ratings.
Monthly premiums
Based on quotes gathered in February 2025.
About $49 and up
Service fees
$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Pros
Will pay for wall damage caused by performing repairs.
High coverage limits on electrical and plumbing.
Coverage in most states.
Cons
Have to use its contractors.
Low customer satisfaction ratings.
Choice Home Warranty is our pick for residential sprinkler systems thanks to its coverage of sprinkler heads, control box and outside or underground piping for the system. So you can submit a claim from end to end for your yard’s irrigation setup. Choice’s coverage is an add-on option that comes with an extra monthly fee and covers up to $500 per service agreement term.
What we like about Choice Home Warranty
Choice keeps it simple with two comprehensive plans and offers optional coverage for a lot of items to let you build the coverage you want. Its coverage limits are $3,000 across the board for systems and appliances; although that’s less than some of its competitors’ limits, that’s higher than some companies’ coverage caps, and relatively high for electrical and plumbing repairs.
What we wish was better with Choice Home Warranty
Choice doesn’t have flexible service fees, so all customers pay $100 for every service call. Also, the company’s cheapest plan also doesn’t cover air conditioning systems, refrigerators or clothes washers and dryers. Choice doesn’t let customers choose their repair companies, which some companies allow in certain circumstances, and guarantees repairs for only 30 days.
On average, a homeowner warranty costs $62.33 per month, according to NerdWallet’s analysis. How much you’ll actually pay for a plan depends on several factors, including the plan you choose and your location. You’ll also have to pay a service fee when a technician comes to your home to diagnose a problem with a covered item; this fee ranges between $65 and $125, according to our data.
Anticipate steep repair or replacement expenses for your home systems and appliances due to wear and tear.
Have systems and appliances that aren’t covered by manufacturer warranties.
Prefer to have a third party source technicians rather than find them on your own.
A home warranty can minimize how much you’ll have to pay to repair or replace qualifying issues, which can save you money. However, if your appliances or systems aren’t well-maintained or have been modified, there’s a higher chance that your claims will be denied. And systems and appliances still under manufacturer warranty generally aren’t covered.
How to choose the best home warranty company
A home warranty is an annual plan that pays for replacements and repairs of some of your home's major systems and appliances. Home warranty companies usually charge monthly or annual premiums, as well as service fees when they dispatch technicians to your house. You’ll pay these amounts even if the company doesn’t approve your claim. Both of these amounts can vary widely among companies, and factors including your location and how many claims you file can affect the total cost of a homeowners warranty.
When evaluating home warranty plans, ask yourself:
How much can I afford to pay in monthly premiums?
If I have the option to save money on a contract by paying annually, can I afford to do that?
How much am I comfortable paying for a service call?
Do I want to choose my own service fee? Or am I comfortable going with a company that offers a set service fee?
Which items do I want my plan to cover?
Is an appliance-only or systems-only plan better for my situation than a comprehensive plan?
What coverage limits am I comfortable having for the items I’m most worried about?
Home warranty plans differ in what items they cover. Some plans cover only appliances or home systems, such as air conditioners; other plans have comprehensive coverage. Even among similar plans — appliance-only plans, for example — there’s variety in what items, situations and components are covered. Homeowner warranty companies also tend to exclude specific damage situations or parts from their coverage.
Each plan usually has coverage limits as well, which is the maximum amount a plan pays toward a covered repair. All of these factors influence whether a home warranty company approves a claim, so it’s important to understand what a plan covers before signing a service agreement.
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
Methodology
We research home warranty companies by comparing multiple factors, including plans, coverage limits and service agreement terms and conditions. By comparing benefits across the industry, we identify companies and plans that we believe are the best options for homeowners.
While NerdWallet has partnerships with some home warranty companies, our writers are uninvolved in the business side of those partnerships and maintain editorial independence when selecting which companies to recommend to our readers. Read more about how NerdWallet rates home warranty companies.
