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Best Home Warranty Companies in Florida 2025
The list includes Liberty Home Guard, First American Home Warranty, Cinch Home Services and more.
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.
Tina Orem is an editor and content strategist at NerdWallet. Prior to becoming an editor and content strategist, 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.
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Homes in Florida can put up with a lot of wear and tear, so the best home warranties offer high coverage limits, especially for air conditioning systems, and pricing flexibility. We compared hundreds of quotes across the state and read through service agreements to find the best home warranty companies in Florida. So pop up a beach chair, settle your toes in the sand and take a look at our picks in The Sunshine State.
Why trust NerdWallet
We reviewed more than 375 quotes for Florida.
We read more than 100 pages of service agreement terms.
How we chose the best home warranty companies in Florida
Although most homeowners want coverage for similar items, each state brings with it a unique set of factors that can make some home warranty plans more relevant than others. Here are a few factors that we considered when choosing which home warranty companies are the best for Floridians.
Factors we consider
Price. Because monthly premiums and service fees differ by provider and plan, we considered the cost of each company’s cheapest plan, available service fees and customer options for adjusting monthly premiums.
HVAC coverage. Florida gets hot, and keeping air conditioning systems running is a significant factor when choosing a home warranty. We looked at whether HVAC coverage is included in each company’s cheapest plan, coverage limits for air conditioning systems, which components are covered by the plans and more.
Coverage limits. It doesn’t do much good to buy a plan that covers a lot of systems and appliances but doesn’t pay enough to offset the cost of repairs. We looked at each plan’s coverage limits for major systems and appliances to determine which companies provide good coverage for the money.
Customer satisfaction. We considered factors such as online reviews, third-party consumer review website ratings and accreditation status for each company.
🤓Nerdy Tip
Nerdy Tip: We rated the home warranty companies on this page based on their coverage in Florida. If a company also offers home warranty plans in several other states, you'll see an overall rating for those offerings as well.
Best for customer satisfaction: 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.
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.
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.
NerdWallet rating for national coverage
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating for Florida coverage
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
HVAC coverage
1.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Premium cost
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
$49.99 to $59.99 depending on plan.
Liberty Home Guard beats out the competition in customer satisfaction with a 4.7 rating on Trustpilot and a 4.42 rating with the Better Business Bureau. Customers commonly comment on the company’s helpful customer service and how knowledgeable the contractors are.
Why customer satisfaction matters. If you file a claim with your home warranty company, you’ll likely have to speak with a representative in the process. Home warranty companies with good customer satisfaction scores are more likely to be helpful when you have a question or aren’t happy with a repair.
What we like about Liberty Home Guard
Liberty Home Guard has three plans that offer systems-only, appliance-only and comprehensive coverage. We especially like that its appliance-only plan checks all the boxes for appliances we think should be covered, including refrigerators and ceiling and exhaust fans. The company also guarantees its repairs for 60 days, which is longer than the more common 30-day guarantee.
What we don’t like about Liberty Home Guard
Liberty Home guard doesn’t cover air conditioning systems in every plan, so you’ll have to purchase a systems-only or comprehensive plan for it to pay for repairs to your AC system. Although it has competitive premiums, the company told us it charges customers between $70 and $125 for each service call (but it didn’t clarify what determines the exact service call price). We also wish its coverage limits were better; Liberty Home Guard pays only $500 each for electrical and plumbing repairs — and only $250 toward those repairs if you file a claim in the first 90 days of your contract.
Take note.Liberty Home Guard states on its website that a benefit of having a home warranty in Florida is a "hurricane-proof peace of mind" and that the company has "designed [its] warranty plans accordingly" when it comes to "occasional hurricane threats." However, the company’s sample contract states that it doesn’t cover weather-related damage to covered items, including water damage, mud and storms. Coverage depends on the issue, its cause and what role weather played in the situation. As Liberty's website states, a home warranty is not the same as home insurance, which can cover your home against weather damage.
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 multiple states.
$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
This cost is based on quotes gathered in multiple states.
$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.
NerdWallet rating for national coverage
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating for Florida coverage
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
HVAC coverage
1.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Premium cost
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
$42 to $82 depending on plan.
Many home warranty companies limit how much they’ll pay toward repairs, but First American Home Warranty doesn’t cap its repairs for HVAC, electrical and plumbing issues. It also pays between $3,500 and $7,000 for appliance repairs, depending on the plan you choose.
Why appliance coverage matters. A plan that covers a lot of items won’t be helpful if it only pays a few hundred dollars on major repairs. High coverage limits translate to more money toward approved repairs, which likely means less money out of your pocket when you need something repaired.
What we like about First American Home Warranty
In addition to its high coverage limits, First American has two service options — $100 and $125 — so you can choose how much you pay every time a repair person comes to your house. It also offers three comprehensive plans for a variety of coverage options.
What we don’t like about First American Home Warranty
All three of its plans are comprehensive, so you can’t cover only appliances or only systems; you’ll have to pay for a more expensive plan if items you want to cover aren’t in the cheaper options. First American also doesn’t cover air conditioning systems in its cheapest plan. The company only guarantees repairs for 30 days and has mixed ratings on Trustpilot and Better Business Bureau.
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 September 2024.
$35 and up
Service fees
$65, $85 or $100 per claim.
States available
Did not disclose.
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 September 2024.
$35 and up
Service fees
$65, $85 or $100 per claim.
States available
Did not disclose.
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.
NerdWallet rating for national coverage
2.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating for Florida coverage
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
HVAC coverage
1.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Premium cost
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
$35 to $61 depending on plan.
Many home service companies offer service fee options to let customers choose how much they pay when a repair technician visits their homes; however, 2-10 Home Buyers’s service fees are cheaper than many of its competitors’ fees. Customers can choose the standard service fee of $85, go with a lower fee of $65 (and a higher monthly premium) or pay a higher fee of $100 (and get a lower monthly premium).
Why flexible service fees matter.Service fees can add up quickly for customers who need a lot of repairs through a home warranty company. Depending on your situation, going with a lower or higher service fee and an adjusted monthly premium could save you money in the long run. Having that option to fit a plan into a budget can make a home warranty more affordable for some homeowners.
What we like about 2-10 Home Buyers Home Warranty
In addition to flexible service fees, 2-10 Home Buyers has competitive monthly premiums that make it a good option for homeowners who are on a monthly budget. The company also guarantees its repairs for the life of the service agreement, so you don’t have to worry about paying another service fee if a repair fails before your contract expires. It also has decent coverage limits at $2,000 each for air conditioning, heating, plumbing and electrical systems.
What we don’t like about 2-10 Home Buyers Home Warranty
The company’s cheapest plan only covers kitchen appliances, so you’ll have to purchase a more expensive plan to cover air conditioning repairs. Additionally, 2-10 Home Buyers’s appliance-only plan covers fewer items than comparative plans with its competitors, and its customer satisfaction scores are mixed, with 1.31 on Better Business Bureau and 3.9 on Trustpilot.
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
The cost is based on quotes gathered for Florida in October 2024.
$61.08 and up
Service fees
$75, $100 and $125
per claim
States available
Excludes California, Hawaii and Washington.
48
states and Washington, D.C.
Key facts
AFC Home Warranty guarantees its repairs for the life of a membership, which means you won't pay a service fee if a repair technician has to repair the same issue again at any point as long as you renew your membership.
Pros
No coverage limit for HVAC repairs.
Repair guarantee is for the life of membership and carries over into renewals.
Customers can choose their own technicians if they request approval first.
Pays up to $250 to repair walls if a technician has to cut into them for a plumbing repair.
Available in 48 states.
Cons
Coverage limits for electrical and plumbing repairs is $500.
Low customer satisfaction ratings.
Monthly premiums
The cost is based on quotes gathered for Florida in October 2024.
$61.08 and up
Service fees
$75, $100 and $125
per claim
States available
Excludes California, Hawaii and Washington.
48
states and Washington, D.C.
Key facts
AFC Home Warranty guarantees its repairs for the life of a membership, which means you won't pay a service fee if a repair technician has to repair the same issue again at any point as long as you renew your membership.
Pros
No coverage limit for HVAC repairs.
Repair guarantee is for the life of membership and carries over into renewals.
Customers can choose their own technicians if they request approval first.
Pays up to $250 to repair walls if a technician has to cut into them for a plumbing repair.
Available in 48 states.
Cons
Coverage limits for electrical and plumbing repairs is $500.
Low customer satisfaction ratings.
NerdWallet rating for national coverage
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating for Florida coverage
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
HVAC coverage
1.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Premium cost
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
$50 to $113.92 depending on plan.
AFC takes top prize for repair guarantees because customers only pay a service fee for a repair once. Many companies warranty their repairs for 30 or 60 days, but AFC Home Warranty guarantees that their repairs will fix a problem for the life of your contract (one to three years, depending on your plan). In other words, if AFC pays for a repair and the same problem happens again during your coverage, you don’t pay a service fee for the technician to return and fix it again.
Why a repair guarantee matters.Sometimes parts fail — even if they’re new. A repair guarantee means you don’t have to pay another service fee if a covered repair fails to hold up, which saves you money.
What we like about AFC Home Warranty
AFC has four plans with three service fee options to give customers flexibility in their payments, and the company doesn’t cap its coverage for HVAC repairs for plans that cover the systems.
What we don’t like about AFC Home Warranty
Although AFC has service fee options of $75, $100 and $125, the last of which is on the expensive side when compared with competitors. Its cheapest plan doesn’t cover air conditioning systems, and its coverage limits for electrical and plumbing systems is only $500 each, and the company has relatively low customer satisfaction scores on Better Business Bureau and Trustpilot.
Best for single high-cost repairs: Cinch Home Services
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 September 2024.
$31 and up
Service fees
$100, $125 or $150
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
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.
Monthly premiums
This cost is based on quotes gathered in September 2024.
$31 and up
Service fees
$100, $125 or $150
per claim
States available
Excludes Alaska and Hawaii.
48
states, and Washington, D.C.
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.
NerdWallet rating for national coverage
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating for Florida coverage
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
HVAC coverage
1.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Premium cost
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
$30.99 to $56.99 depending on plan.
Cinch Home Services pays up to $10,000 for all repairs rather than limiting each type of repair individually. This allows customers to get more coverage for higher-cost repairs that would likely be limited with many competitors’ coverage limits. For example, if your air conditioning system needed a repair that cost $4,000, Cinch might pay the full amount if it approves the repair; another home warranty company with an HVAC coverage limit of $3,000 would require you to pay the remaining $1,000 even if it approved the repair. However, the $10,000 limit is for aggregate claims, which means Cinch will not pay for anything after it’s covered $10,000 in repairs, regardless of what type of repairs it’s paid for.
Why an aggregate-only cover limit matters. An aggregate coverage limit can give customers more room to cover more expensive repairs compared to coverage limits for individual types of repairs. If an aggregate-only plan pays more toward an expensive repair than other coverage limit plans, that means less money you have to pay out of pocket for the repair.
What we like about Cinch Home Services
With three plans and three service fee options ($100, $125 and $150), customers can choose from a variety of coverage with flexibility in their monthly premiums. Cinch Home Services also has a 180-day repair guarantee, which is higher than many of its competitors’ guarantees.
What we don’t like about Cinch Home Services
All three of the company’s service fees are higher than many of its competitors’ service fees, and its aggregate limit is lower than the aggregate limit for some of its competitors that have individual repair limits. (For example, 2-10 Home Buyers has an aggregate limit of $25,000 but caps how much it pays toward certain types of repairs.) Cinch also has a mix of customer satisfaction scores, ranging from 1.12 with Better Business Bureau to 3.9 with Trustpilot.
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
$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
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.
Monthly premiums
CHW's basic plan starts at $46.67 per month, the company confirms.
About $49 and up
Service fees
$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
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 offers coverage for a good list of items in the cheapest of its two plans, but you’ll have to buy the more expensive plan to cover air conditioning system repairs. The company charges $100 per service call and guarantees its repairs for 30 days. Choice’s coverage limits are competitive at $3,000 each for plumbing, electrical, heating and air conditioning repairs, but it has a mixed set of customer satisfaction ratings.
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.
Montly premiums
The cost is based on quotes gathered for Florida in October 2024.
$48.33 and up
Service fees
$75 and up per claim.
Key facts
Home Warranty of America offers coverage limits of $5,000 each for HVAC, plumbing and electrical system repairs, which is on the higher end compared with competitors.
Pros
High coverage limits for major systems.
Pays up to $1,000 to repair walls if a technician has to cut into them for a repair.
Cons
Repair guarantee is for only 30 days.
Customers can't choose their own repair technicians.
Mixed customer satisfaction ratings.
Montly premiums
The cost is based on quotes gathered for Florida in October 2024.
$48.33 and up
Service fees
$75 and up per claim.
Key facts
Home Warranty of America offers coverage limits of $5,000 each for HVAC, plumbing and electrical system repairs, which is on the higher end compared with competitors.
Pros
High coverage limits for major systems.
Pays up to $1,000 to repair walls if a technician has to cut into them for a repair.
Cons
Repair guarantee is for only 30 days.
Customers can't choose their own repair technicians.
Mixed customer satisfaction ratings.
Home Warranty of America has two plans with service fees of $75 and up. Its cheapest plan doesn’t include coverage for air conditioning systems but has decent coverage for other items. The company’s coverage limits are $5,000 each for air conditioning, heating, plumbing and electrical systems, but it caps its aggregate coverage at $15,000. It has mixed customer satisfaction scores and guarantees its repairs for 30 days.
Other home warranty companies we considered
These companies also provide home warranty plans in Florida but didn’t make our list this year.
Our research shows that the average cost in Florida for a home warranty is $56.83 per month plus service fees. When comparing home warranty costs in Florida, we requested quotes from ten zip codes across six cities for the companies we considered for this review. We compared over 375 quotes for home warranty coverage in Florida. Here are the highlights of what we found:
Average cost for a home warranty in Florida: $56.83 per month.
Cheapest quote: $30.99 per month.
Most expensive quote: $113.92 per month.
Average cost of cheapest plan: $47.01 per month.
Average cost of highest plan: $69.76 per month.
Median cost of cheapest plan: $49.58 per month.
Median cost of highest plan: $62.38 per month.
Buy a home warranty in Florida
The best home warranty for Florida homeowners depends on several factors. Most homeowners need to consider their budgets, which items they want covered, how much they can afford in service fees for each technician visit and what coverage limits they’re comfortable with.
You pay a monthly premium and a service fee. You'll pay a premium every month but only a service fee when a technician visits your home. Not all companies charge service fees in Florida, but they can be as high as $150 per service call.
Home warranties don't cover every repair. Similar to how homeowners insurance excludes certain repairs, homeowners warranties don't pay to fix everything. Your service contract should clearly outline what isn't covered by your plan, and some companies might have coverage specific to Florida.
Most home warranty plans typically cover appliances and systems. Comprehensive coverage usually covers a mix of certain appliances and major systems, but which items are covered vary by plan. Some companies offer appliance-only and systems-only plans for more limited but specific coverage.
Home warranties usually don’t cover natural disaster damage in Florida. It’s uncommon for home warranty companies to repair covered items that experience weather-related damage, such as appliances affected by floods. This is usually covered by homeowners insurance and clearly stated in home warranty agreements as an exclusion.
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
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates state-level home warranties.
