Best Home Warranty Companies in Florida 2024

The list includes Liberty Home Guard, First American Home Warranty, Cinch Home Services and more.

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Profile photo of Whitney Vandiver
Written by Whitney Vandiver
Writer
Profile photo of Tina Orem
Edited by Tina Orem
Assistant Assigning Editor
Fact Checked

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.

    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.

    • 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

    Liberty Home Guard
    Liberty Home Guard

    5.0

    NerdWallet rating

     

    (844) 451-1023

    M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET

    Call Liberty Home Guard

    Get started

    on Liberty Home Guard's website

    View details

    5.0

    NerdWallet rating

     
    Monthly premiums 
    $50 and up

    Service fees
    $70–$125
    per claim

    States available
    50
    states, and Washington, D.C.
    View details

    (844) 451-1023

    M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET

    Call Liberty Home Guard

    NerdWallet rating for national coverage

    5.0

    NerdWallet rating 

    NerdWallet rating for Florida coverage

    3.5

    NerdWallet rating 

    HVAC coverage

    1.0

    NerdWallet rating 

    Coverage limits

    3.0

    NerdWallet rating 

    Premium cost

    4.0

    NerdWallet rating 

    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.

    Read our full review of Liberty Home Guard.


    Best for appliance coverage: First American Home Warranty

    First American Home Warranty
    First American Home Warranty

    3.5

    NerdWallet rating

     
    Get started

    on First American Home Warranty's website

    View details

    3.5

    NerdWallet rating

     
    Monthly premiums 
    $42 and up

    Service fees
    $100 or $125
    per claim

    States available 
    35
    states
    View details

    NerdWallet rating for national coverage

    3.0

    NerdWallet rating 

    NerdWallet rating for Florida coverage

    3.5

    NerdWallet rating 

    HVAC coverage

    1.0

    NerdWallet rating 

    Coverage limits

    5.0

    NerdWallet rating 

    Premium cost

    4.0

    NerdWallet rating 

    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.

    See our full review of First American Home Warranty.


    Best for flexible service fees: 2-10 Home Buyers Home Warranty

    2-10 Home Buyers Warranty
    2-10 Home Buyers Warranty
    Get local quotes

    on Modernize's website

    View details
    Monthly premiums 
    $35 and up

    Service fees
    $65, $85 or $100 per claim.

    States available
    Did not disclose.
    View details

    NerdWallet rating for national coverage

    3.0

    NerdWallet rating 

    NerdWallet rating for Florida coverage

    5.0

    NerdWallet rating 

    HVAC coverage

    1.0

    NerdWallet rating 

    Coverage limits

    5.0

    NerdWallet rating 

    Premium cost

    5.0

    NerdWallet rating 

    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.

    Read our full review of 2-10 Home Buyers Home Warranty.


    NerdWallet's Best Home Warranties
    Good coverage with affordable premiums

    Best for repair guarantee: AFC Home Warranty

    AFC Home Warranty
    AFC Home Warranty

    3.5

    NerdWallet rating

     

    (833) 560-3576

    Call AFC Home Warranty

    Get started

    on AFC Home Warranty's website

    View details

    3.5

    NerdWallet rating

     
    Monthly premiums 
    $50.00 and up

    Service fees
    $75, $100 and $125 per claim.

    States available 
    47
    states and Washington, D.C.
    View details

    (833) 560-3576

    Call AFC Home Warranty

    NerdWallet rating for Florida coverage

    3.5

    NerdWallet rating 

    HVAC coverage

    1.0

    NerdWallet rating 

    Coverage limits

    5.0

    NerdWallet rating 

    Premium cost

    3.0

    NerdWallet rating 

    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

    Cinch Home Services Home Warranty
    Cinch Home Services Home Warranty

    4.0

    NerdWallet rating

     
    Get local quotes

    on Modernize's website

    View details

    4.0

    NerdWallet rating

     
    Monthly premiums 
    $31 and up

    Service fees
    $100, $125 or $150
    per claim

    States available 
    48
    states, and Washington, D.C.
    View details

    NerdWallet rating for national coverage

    4.0

    NerdWallet rating 

    NerdWallet rating for Florida coverage

    5.0

    NerdWallet rating 

    HVAC coverage

    1.0

    NerdWallet rating 

    Coverage limits

    5.0

    NerdWallet rating 

    Premium cost

    5.0

    NerdWallet rating 

    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.

    Read our full review of Cinch Home Services.


    Runners-up

    We think these companies are good options for Florida homeowners, but they didn’t win our categories this year.

    Choice Home Warranty

    Choice Home Warranty
    Choice Home Warranty

    3.5

    NerdWallet rating

     
    Get started

    on Choice Home Warranty's website

    View details

    3.5

    NerdWallet rating

     
    Monthly premiums 
    About $49 and up

    Service fees
    $75–$100
    per claim

    States available 
    49
    states, and Washington, D.C.
    View details

    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.

    Read our full review of Choice Home Warranty.

    Home Warranty of America

    Home Warranty of America
    Home Warranty of America

    3.0

    NerdWallet rating

     
    Get local quotes

    on Modernize's website

    View details

    3.0

    NerdWallet rating

     
    Montly premiums 
    $45.83 and up

    Service fees
    $75 and up per claim.

    View details

    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.

    How much does a home warranty cost in Florida?

    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.

    Advertisement
    Liberty Home Guard
    (844) 451-1023
    Call Liberty Home Guard
    GET STARTEDon Liberty Home Guard's website
    Monthly fees
    $50 and up
    Service fees
    $70–$125
    per claim
    States available
    50
    states, and Washington, D.C.
    First American Home Warranty
    GET STARTEDon First American Home Warranty's website
    Monthly fees
    $42 and up
    Service fees
    $100 or $125
    per claim
    States available
    35
    states

    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.

    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.