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Best Home Warranties of 2025: Prices and Plans
Our list includes Liberty Home Guard, Old Republic Home Protection and Cinch Home Services 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.
How is this page expert verified?
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 good cup of coffee and spending time with her husband and son. She is based in Houston.
Tina Orem is an editor at NerdWallet. Prior to becoming an editor, she covered small business and taxes at NerdWallet. She has been a financial writer and editor for over 15 years, and she has a degree in finance, as well as a master's degree in journalism and a Master of Business Administration. Previously, she was a financial analyst and director of finance for several public and private companies. Tina's work has appeared in a variety of local and national media outlets.
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 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.
The Short List of Winners
Nerdy takeaways
Liberty Home Guard takes the top spot thanks to its plans, high customer satisfaction and availability.
Our picks for coverage options include American Home Shield and First American Home Shield.
If you’re looking to get the most out of a basic plan, look into Old Republic Home Protection.
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 only cover 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.
Use our tool to find the best home warranty for you
Best home warranty company overall: Liberty Home Guard
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.
IS THIS COMPANY AVAILABLE IN MY STATE?
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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.
View details
Several factors help Liberty Home Guard claim the title for best overall home warranty company, including plan options, allowing customers to choose their own technicians and relatively high customer satisfaction ratings compared to the other companies we reviewed.
What we like
With system-only, appliance only and comprehensive plans, customers can go all in or just cover certain types of items. This company’s plans also cover more items than many competitors’ plans. 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 and Washington, D.C.
What we don’t like
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.
Liberty Home Guard offers three plans:
Appliance Guard: Covers appliances such as your refrigerator, oven, range, cooktop, microwave oven, dishwasher, garbage disposal, ceiling and exhaust fans, clothes washer and dryer and garage door opener.
Systems Guard: Covers air conditioning, heating, electrical, plumbing, ductwork and water heaters.
Total Home Guard: Covers both appliances and systems from the other two plans.
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.
IS THIS COMPANY AVAILABLE IN MY STATE?
View details
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.
View details
Most home warranty companies don’t pay for repairs if a covered item malfunctions because of a lack of maintenance; American Home Shield, however, does. This little bit of extra coverage might come in handy for homeowners who aren’t skilled at routine maintenance or don’t have years of maintenance records to provide.
What we like
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. You can also hire your own technician if the company approves your request in advance.
What we don’t like
American Home Shield’s monthly premiums can vary widely among ZIP codes. We also don’t like that the company only offers a short 30-day repair guarantee, and its customer satisfaction ratings are on the low side among companies we’ve researched.
American Home Shield offers three plans:
ShieldSilver: Covers heating, air conditioning, electrical and plumbing.
ShieldGold: Covers items included in ShieldSilver, plus kitchen appliances, including ranges, ovens, cooktops, refrigerators, microwave ovens, dishwashers and garbage disposals. It also covers a washer and dryer set.
ShieldPlatinum: Covers items included in ShieldGold but with higher coverage caps, plus roof leak repairs and a free HVAC tune-up; comes with a few other benefits.
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 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?
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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.
View details
Most home warranties have limits on what they’ll pay toward certain repairs, but First American Home Warranty’s unlimited coverage on certain items makes it unique. 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
Aside from the unlimited coverage caps, we also like that First American Home Warranty has two service fee options: $100 and $125. The higher the service fee, the lower the monthly premium.
Even though First American does cap how much it’ll pay toward appliance repairs, its limit is $3,500 to $7,000 per appliance, depending on the plan, which is high compared to competitors.
What we don’t like
We don’t like that First American Home Warranty’s cheapest plan covers heating systems and ductwork, but not air conditioning systems. There’s also a big difference in customer satisfaction scores depending on the source. We also don’t like that the company doesn’t let customers choose their own repair technicians and it only provides a short 30-day repair guarantee.
First American Home Warranty has three plans:
Starter Plan: Covers plumbing, electrical and heating systems, plus several kitchen appliances.
Essential Plan: Includes items covered in Starter Plan, plus air conditioning systems, water heaters and a few more appliances.
Premium Plan: Includes items covered in the Essential Plan plus higher-end appliances that are usually not covered and a few additional perks.
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.
CHW's basic plan starts at $46.67 per month, the company confirms.
About $49 and up
Service fees
$75–$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
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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.
View details
Choice Home Warranty comes in second for high coverage limits, covering up to $3,000 each for HVAC, electrical and plumbing systems, as well as appliances. Although it’s not as much as First American’s coverage, it’s decently more than many competitors’ coverage.
What we like
We also like that Choice pays up to $500 toward roof leak repairs. It also has service fees on the lower end compared with competitors, charging $75 to $100 per service call. The company does business in 49 states and Washington, D.C.
What we don’t like
We don’t like that Choice has only two plans, both of which are comprehensive, so you can’t get coverage just for appliances or systems. The company also only guarantees repairs for 30 days, a shorter time frame compared with some competitors. Although Choice earns decent customer satisfaction scores on Trustpilot and ConsumerAffairs, it gets low marks with Better Business Bureau.
Choice Home Warranty has two plans:
Basic Plan: Covers heating, electrical, plumbing, water heaters and kitchen appliances except the refrigerator.
Total Plan: Includes items in the Basic Plan, plus air conditioning, refrigerator and washer and dryer.
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 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?
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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.
View details
When it comes to offering good coverage in the simplest way, Old Republic Home Protection does it with its Basic Plan. We like this option because it includes nearly everything we think a comprehensive plan should cover with a few exceptions, beating out competitors’ basic plan coverage.
What we like
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. You can choose your own technician if the company approves in advance, and it earns relatively solid customer review ratings from the Better Business Bureau and Trustpilot.
What we don’t like
The Basic Plan covers heating systems and ductwork but not air conditioning. 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 only gives customers a 30-day repair guarantee.
Old Republic Home Protection has three plans:
Basic Plan: Covers heating systems and ductwork, plumbing, most electrical systems and all major appliances, except washers and dryers .
Deluxe Plan: Includes items covered in Basic Plan, plus air conditioning systems, faucets, showerheads, shower arms, garage door parts, remote control transmitters and key pads, and washer and dryer sets.
Elite Plan: Includes items covered in the Deluxe Plan but increases the appliance coverage limit from $3,500 to $7,000 per appliance and includes a pre-season HVAC tune-up.
This cost is based on quotes gathered in May 2024.
$35 and up
Service fees
$65, $85 or $100 per claim.
View details
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.
View details
2-10 Home Buyers Warranty comes out on top for repair guarantees because it guarantees all repairs for the term of your plan. That means if it pays to repair a covered item early on in your coverage, the company will fix the item for free for the remainder of your plan if the initial repair fails. This far exceeds most home warranty repair guarantees of 30 or 60 days.
What we like
We like that the company offers an appliance-only plan, so you can avoid paying for coverage you don’t need if you’re not worried about your HVAC or other home systems. Also, 2-10 Home Buyers Warranty’s service fees max out at $100, which is lower than some competitors’ fees of up to $150 per service call. The company also says on its website that it’ll contact a technician within 24 hours if an issue qualifies as an emergency.
What we don’t like
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.
The limit for a dishwasher might be a tight fit if you need a full replacement. Also, we don’t like that the company has relatively low customer satisfaction reviews compared to its competitors.
2-10 has three plans:
Simply Kitchen: Includes a refrigerator with an ice maker, dishwasher, built-in microwave, oven and range or cooktop.
Complete Home: Includes items covered in Simply Kitchen, with the addition of a heating system, air conditioning system, plumbing issues and electrical systems.
Pinnacle Home: Includes items covered in Complete Home but adds a washer and dryer set and additional items to existing coverage areas, such as faucets for plumbing fixtures, attic and bathroom exhaust fans, and fire alarm systems.
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 April 2024.
$31 and up
Service fees
$100, $125 or $150
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
View details
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Cinch Home Services guarantees their technicians' repairs for 180 days, which is much longer than their competitors' standard 30-day and 60-day guarantees.
Pros
Will pay for wall damage when accessing covered items.
High coverage limit.
Decent customer satisfaction ratings.
Coverage is available in 48 states.
Cons
Coverage limit is aggregated for all claims.
Can't choose your own contractor.
View details
Cinch Home Services is one of the few home warranty companies that covers pre-existing conditions. This means it won’t deny a claim solely because a covered appliance or system has an issue that began before you purchased the home warranty plan. However, to qualify, the pre-existing condition had to be difficult for you to detect.
What we like
Cinch Home Services is the runner-up on repair guarantees — its 180-day guarantee is longer than most companies’ warranties and only second to 2-10 Home Buyers Warranty’s guarantee.
What we don’t like
We don’t like that the company’s maximum coverage is $10,000 for all claims, which is lower than many competitors’ total coverage. Cinch also has some of the highest service fees among the home warranty companies we’ve researched, ranging from $100 to $150 per service call.
Cinch has three plans:
Appliances covers kitchen appliances, including refrigerators, built-in microwaves, dishwashers, ranges, cooktops, ovens and more. It also covers washer and dryer sets. It doesn’t cover garbage disposals.
Built-in Systems covers major home systems, including electrical systems, plumbing systems, HVAC systems and ductwork. Items covered include water heaters, toilets, sump pumps, attic fans, ceiling fans, garage door openers, garbage disposals, instant water dispensers, doorbells, central vacuums, built-in whirlpool/jetted tubs and smoke detectors.
Complete Home combines the Appliances and Built-in Systems coverage into one plan. It also pays you up to $500 once a year if you have to pay a deductible for a covered homeowners insurance claim.
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.
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 May 2024.
$29.99 and up
Service fees
$100 or $125
States available
Arizona, Nevada and Texas only.
3 states
IS THIS COMPANY AVAILABLE IN MY STATE?
View details
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
OneGuard Home Warranty offers high coverage caps on HVAC systems in all plans and for appliances in its ShieldPlatinum plan. It also has comparatively low monthly premiums.
Pros
High coverage limits on HVAC and appliances.
Will pay up to $1,000 to repair damage to walls when accessing repairs.
This cost is based on quotes gathered in May 2024.
$19.99 and up
Service fees
$100 or $125 per claim
States available
Arizona, Idaho, Nevada, Oregon, Texas and Utah only.
6 states
IS THIS COMPANY AVAILABLE IN MY STATE?
View details
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Landmark Home Warranty has high coverage caps on home systems and two options for service fees. The company's plans also start with relatively low monthly premiums.
Pros
High coverage limits on systems and appliances.
Will pay to repair walls when technicians have to cut into them to repair an item, up to $1,000.
On average, a homeowner warranty costs $57.83 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 usually ranges between $65 and $150.
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 finding 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.
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.
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.
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.
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.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.