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Best Home Warranty Companies in Georgia 2025
The top home warranties in Georgia include Cinch Home Services, 2-10 Home Buyers, AFC Home Warranty 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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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 best home warranty companies for Georgia homeowners offer high coverage limits for more expensive repairs and high customer satisfaction scores. Georgia is known for hot summers, which means homeowners are likely to also need good air conditioning system coverage. To help you find the best options, we compared hundreds of quotes for cities in Georgia and reviewed service agreements to understand available coverage. Here are the best home warranty companies to keep Georgia homes peachy keen.
Best home warranty companies in Georgia
Why trust NerdWallet
We reviewed more than 245 quotes for Georgia.
We read more than 100 pages of service agreement terms.
How we chose the best home warranty companies in Georgia
Although most homeowners will 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 Georgia homeowners.
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 customers’ options for adjusting monthly premiums.
HVAC coverage. Georgia 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 for a plan to cover a lot of systems and appliances but not 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 are providing good coverage for customers’ money.
Customer satisfaction. To evaluate 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 Georgia. 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 high coverage limits: First American Home Warranty
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
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
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 Georgia 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.
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
$52 to $92 depending on plan.
While many competitors cap how much they’ll pay to repair certain items, First American Home Warranty stands out with its coverage — the company doesn’t limit how much it’ll pay toward plumbing, electrical and HVAC repairs. First American also pays up to $3,500 for appliance repairs ($7,000 for more expensive plans).
Why high coverage limits matter. How much a home warranty pays to repair an item can give you an idea of what types of issues the company is more likely to cover. For example, a company that pays up to $6,000 for HVAC repairs will likely save you more money on an approved repair than a company that only pays $2,000 for the same issue.
What we like about First American Home Warranty
First American has three comprehensive plans, so you can choose what combination of coverage you prefer. The company also lets you choose between $100 and $125 for your service fee; the higher the service fee, the lower your premium.
What we don't like about First American Home Warranty
Customers are limited to comprehensive coverage, so you can’t get a plan for only systems or appliances. Additionally, air conditioning systems aren’t included in First American’s cheapest plan, so you’ll have to pay more for that coverage. The company guarantees its approved repairs for 30 days (among the lowest in the industry) and has a mix of customer experiences on the Better Business Bureau and Trustpilot websites.
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 Georgia coverage
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.
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
$38.99 to $66.99 depending on plan.
Many home warranty companies not only limit how much they’ll pay for certain repairs but how much they’ll pay for all claims during a service agreement term, known as an aggregate limit. Cinch Home Services doesn’t limit each type of repair, instead only capping coverage at a $10,000 aggregate limit. This means Cinch customers might save more money with a single repair that has a higher cost than those who go with companies that limit individual coverage.
Why aggregate-only coverage limits matter. Most home warranty companies have an aggregate limit, but a company that has an aggregate-only limit gives customers more room for covering an expensive repair that might otherwise be limited with a different company.
What we like about Cinch Home Services
Cinch gives customers options to fit their budgets, with three service fees ($100, $125 and $150) and three plans to pick from. The company also offers a 180-day guarantee on approved repairs, which is longer than many of its competitors’ guarantees.
What we don't like about Cinch Home Services
Although the company doesn’t limit individual repairs, its aggregate limit is lower than some competitors’ limits. For example, America’s Preferred Home Warranty has an aggregate limit of $25,000 but limits how much it pays toward specific repairs. Cinch’s service fees are also higher than some home warranty companies’ fees. We also don’t like that the company has a mix of customer ratings with Better Business Bureau and 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
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 Georgia coverage
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.
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 $69 depending on plan.
Many of 2-10 Home Buyers Warranty’s competitors have flexible service fee options, but 2-10 offers some of the lowest service fees with a good range of choices. Plans have a standard $85 service fee, and customers can participate in the buy-down option, which lets them choose to pay more or less for technician visits and adjust their monthly premiums accordingly. Premiums are higher if they go with the $65 service fee and lower if they go with the $100 service fee.
Why flexible service fees matter. Service fees can quickly take you beyond your expected cost for a home warranty if you have several claims. Flexible service fees give you more control over how and when you pay for service and can make it easier to budget for claims.
What we like about 2-10 Home Buyers Warranty
We like that flexible service fees and 2-10 Home Buyers’s competitive monthly premiums give homeowners affordable options for coverage. Its plans have decent coverage limits for plumbing, electrical and HVAC repairs, at $2,000 each. The company also guarantees approved repairs for the term of a customer’s contract, so you don’t have to pay another service fee if a repair fails before your service agreement ends.
What we don't like about 2-10 Home Buyers Warranty
The company’s cheapest plan (for appliances only) doesn’t cover as many items as some of its competitors’ appliance plans. Additionally, air conditioning repairs aren’t included in the company’s cheapest plan, so you’ll have to pay a higher premium to get coverage for HVAC systems. Finally, 2-10 Home Buyers’s customer satisfaction scores on Better Business Bureau and Trustpilot are a mix of positive and negative experiences.
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 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 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 Georgia 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
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
$27.66 to $108.17 depending on location.
AFC Home Warranty’s repair guarantee is difficult to beat. Many home warranty companies guarantee their repairs for 30 or 60 days, but AFC Home Warranty guarantees its repairs for the life of your contract — one to three years, depending on your agreement — and it won’t charge you a service fee if an approved repair fails during that time. That means you aren’t out any additional money if you experience the same problem again during your coverage.
Why a repair guarantee matters. If a company has a shorter repair guarantee, you’re on the hook for another service fee if the same issue occurs down the line. A company with a longer repair guarantee is more likely to save you money if the same problem occurs during your service agreement.
What we like about AFC Home Warranty
Customers have options when it comes to coverage and cost thanks to AFC’s three service fee options and four plans. AFC also doesn’t limit its coverage on approved repairs for HVAC systems.
What we don't like about AFC Home Warranty
AFC says it has three service fee options ($75, $100 and $125), but the company confirmed that people in some states will only see the $100 service fee option when they request a quote online. Additionally, not all plans are available in every state. Also, AFC doesn’t include HVAC coverage in its cheapest plan, and its coverage limits are on the lower end for electrical and plumbing systems ($500 each). The company has low customer ratings on Trustpilot and Better Business Bureau websites.
Best for air conditioning system coverage: American Home Shield
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 September 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 September 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.
NerdWallet rating for national 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.
NerdWallet rating for Georgia 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
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.
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
$29.99 to $119.99 depending on ZIP code.
American Home Shield is the only company among those we considered that covers air conditioning systems in all of its plans, including its cheapest plan. The company also covers repairs and replacements for air conditioning systems up to $5,000, which is a competitive limit. Coverage includes all parts and components for permanent air conditioning systems that are installed on the main house. Plans cover evaporation coolers, wall units and mini-split systems as well. American Home Shield will also pay for upgrades if they’re needed to maintain compliance or compatibility with existing systems.
Why air conditioning system coverage matters. HVAC repairs can be expensive, costing as much as several thousand dollars for some repairs. Georgia’s summer heat and humidity can make air conditioning systems work harder than in other parts of the U.S., so good coverage with high limits and part replacement is a key aspect of a home warranty plan for many Georgia homeowners.
What we like about American Home Shield
American Home Shield has two service fee options, and the more expensive service fee comes with a lower monthly premium. So, you can choose how much you pay monthly and each time a repair technician visits your home. The company also has three plans for customers to choose from and competitive coverage limits that include $3,000 each for plumbing and electrical systems. The company covers appliances for $2,000 to $4,000, depending on the plan.
What we don't like about American Home Shield
American Home Shield’s service fees are both on the higher end compared with competitors’ fees, and the company guarantees its repairs for only 30 days. Additionally, the price of American Home Shield’s plans can vary by ZIP code within the same city. For example, the price for the same plan and service fee combination varied as much as $30 per month between ZIP codes in Atlanta. This means customers who live in the same city might pay different rates for the same coverage. The company also has relatively low customer ratings on Trustpilot and Better Business Bureau.
Although these home warranty companies didn't make it onto our list for best home warranties for Georgia, they're runners-up and offer decent coverage options.
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.
$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 September 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.
NerdWallet rating for national 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.
NerdWallet rating for Georgia 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
$52 to $87 depending on plan.
Old Republic Home Protection has high coverage limits that include $6,500 for HVAC repairs, between $3,500 and $7,000 for appliance repairs and no limit on electrical system repairs. It also has good customer satisfaction scores on consumer websites. However, the company’s service fees are on the higher end, and it guarantees its repairs for only 30 days.
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 October 2024.
$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
This cost is based on quotes gathered in October 2024.
$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 Georgia 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.
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
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
$49.99 to $59.99 depending on plan.
Liberty Home Guard has good customer satisfaction scores online and offers a systems-only, an appliance-only and a comprehensive plan with a 60-day repair guarantee. However, the company's service fees vary from $75 to $125, and it drops coverage for roof leaks, plumbing and electrical repairs from $500 to $250 during the first 90 days of a plan.
The average cost of a home warranty in Georgia is $63.48 per month plus service fees, according to our research. To compare the costs of home warranty plans in Georgia, we gathered quotes from three cities and compared over 240 quotes for six locations. Here are the highlights of our research:
Average cost for a home warranty in Georgia: $63.48 per month.
Cheapest quote: $27.66 per month.
Most expensive quote: $119.99 per month.
Average cost of cheapest plan: $40.80 per month.
Average cost of highest plan: $86.16 per month.
Median cheapest plan: $ 38.99 per month.
Median highest plan: $87.00 per month.
Buying a home warranty in Georgia
Here are some key things to know about these products.
The best home warranty for Georgia homeowners depends on several factors. Most homeowners need to pay close attention to their budgets, which items they want to cover, how much they can afford in service fees and the coverage limits they are comfortable having in a plan.
You pay a monthly premium and a service fee. Customers will pay a monthly premium as well as a service fee when a technician visits their homes; these costs can add up if you forget to include the service fees in your budget. Not all companies charge service fees in Georgia, but those that do can charge as much as $150 per service call.
Home warranties don't cover every repair. Home warranty plans are unlikely to cover every repair, similar to how homeowners insurance has certain exclusions. Even items that are covered might not meet the criteria for a home warranty to pay for a repair. Read your service agreement carefully and pay attention to any restrictions that are specific to Georgia homeowners.
Most home warranty plans typically cover appliances and systems. Many comprehensive home warranty plans cover appliances and major home systems, but which items are included varies by plan. Compare your options to determine if you want more specific or more limited coverage.
Home warranties usually don’t cover natural disaster damage in Georgia. Many home warranty companies exclude damage caused by natural disasters, such as appliances affected by floods. These exclusions should be clearly stated in your service agreement. If you need to file a claim for natural disaster-related damage, consider filing with your homeowners insurance instead.
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.
