(2025 Guide)
When something breaks down at home, the repair bills can hit like a storm. That’s where a home warranty steps in—offering coverage for appliances and systems that fail due to normal wear and tear. With rising repair costs across the US, choosing the right home warranty provider is more than just a safety net—it’s a smart move for homeowners who value peace of mind.
In this guide, I’ll break down the top 5 home warranty companies in the USA, what they offer, how much they charge, and why each might (or might not) be the right fit for you.
What Makes a Good Home Warranty Provider?
Before we jump into the list, here’s what I looked at to choose the top five:
- Coverage options: Appliances, home systems, or both.
- Pricing: Monthly/yearly plans and service fees.
- Availability: Is the service available nationwide or limited states?
- Customer support & claims process: Speed and reliability matter a lot.
- Extras: Discounts, add-ons, or unique perks.
Now let’s get into the providers.
1. American Home Shield (AHS):
American Home Shield is often considered the “original” home warranty company—and for good reason. It’s been around since 1971 and covers more than 2 million members across the US.
Why It Stands Out:
- Comprehensive coverage: Protects 23 major appliances and systems.
- Flexible service fees: Choose between $75, $100, or $125 per claim.
- Generous limits: Up to $5,000 per covered system.
Plans & Pricing:
- ShieldSilver™: Covers home systems only (like plumbing, electrical, HVAC).
- ShieldGold™: Adds appliances on top of ShieldSilver coverage.
- ShieldPlatinum™: Best protection, including roof leak coverage.
- Cost: $29–$79/month depending on plan and service fee.
Pros:
✔ Wide coverage, especially for high-cost systems
✔ No maintenance records required for claims
✔ Customizable service call fees
Cons:
✘ Slightly higher monthly costs
✘ Some negative reviews about contractor availability
2. Choice Home Warranty:
Choice Home Warranty is known for its budget-friendly plans that don’t cut corners. It’s popular with homeowners who want coverage without breaking the bank.
Why It Stands Out:
- Affordable pricing: Most plans under $60/month.
- 24/7 claims: Easy online or phone claim filing.
- Good nationwide reach: Available in almost every US state.
Plans & Pricing:
- Basic Plan: Covers major appliances like ovens, dishwashers, and plumbing.
- Total Plan: Adds coverage for air conditioning, refrigerators, and washers/dryers.
- Cost: $46–$55/month, service fee $85.
Pros:
✔ Very affordable pricing
✔ Simple plan options (only 2 to choose from)
✔ Coverage for old appliances and systems
Cons:
✘ Lower payout limits compared to AHS
✘ Not available in Washington state
3. Select Home Warranty:
Select Home Warranty gets praise for offering roof leak coverage at no extra cost, something most competitors charge for.
Why It Stands Out:
- Free roof leak coverage included.
- Low-cost plans (often under $50/month).
- Regular promotions with sign-up discounts.
Plans & Pricing:
- Bronze Care: Covers appliances.
- Gold Care: Covers systems.
- Platinum Care: Covers both.
- Cost: $41–$47/month, service fee $75.
Pros:
✔ Free roof coverage is a big perk
✔ Affordable compared to others
✔ Quick claims response time
Cons:
✘ Coverage limits lower ($500–$2,000 per item)
✘ Limited contractor network in rural areas
4. Liberty Home Guard:
Liberty Home Guard is one of the newer players in the market but has quickly built a strong reputation for excellent customer service and customizable add-ons.
Why It Stands Out:
- Top-rated customer service by BBB and Trustpilot.
- 60+ add-ons (from pool coverage to pest control).
- Quick claims approval (often within 24 hours).
Plans & Pricing:
- Appliance Guard: Appliances only.
- Systems Guard: Systems only.
- Total Home Guard: Both appliances and systems.
- Cost: $50–$60/month, service fee $65–$125.
Pros:
✔ Excellent reputation for service
✔ Most customizable coverage in the industry
✔ Fast claims turnaround
Cons:
✘ Slightly pricier than Select or Choice
✘ Add-ons can increase monthly cost quickly
5. First American Home Warranty:
First American has been around since 1984 and is known for its reliable appliance coverage at reasonable prices.
Why It Stands Out:
- Strong appliance repair coverage, including refrigerators.
- Low service fees ($75 per call).
- Covers items regardless of age (great for older homes).
Plans & Pricing:
- Basic Plan: Appliances only.
- Premier Plan: Appliances + major home systems.
- Cost: $38–$48/month, service fee $75.
Pros:
✔ Affordable compared to AHS
✔ Covers older appliances without inspection
✔ Simple, clear plans
Cons:
✘ Limited add-on options
✘ Some customer complaints about repair delays
Comparison Table – Top 5 Home Warranty Providers:
| Provider | Monthly Cost | Service Fee | Best For | Unique Perk |
|---|---|---|---|---|
| American Home Shield | $29–$79 | $75–$125 | Best overall coverage | $5,000 coverage cap |
| Choice Home Warranty | $46–$55 | $85 | Budget-friendly coverage | Covers older items |
| Select Home Warranty | $41–$47 | $75 | Affordable + roof coverage | Free roof leak coverage |
| Liberty Home Guard | $50–$60 | $65–$125 | Best customer service | 60+ add-ons available |
| First American | $38–$48 | $75 | Older homes & appliances | No appliance age limits |
Final Thoughts:
A home warranty isn’t just about fixing appliances—it’s about buying peace of mind. Whether you’re in Texas dealing with extreme weather, or in California with expensive repairs, having the right provider can save you from surprise bills.
- If you want the most comprehensive coverage, go with American Home Shield.
- If you’re on a tight budget, Choice Home Warranty or Select Home Warranty might fit better.
- If customer service and flexibility are your top priorities, Liberty Home Guard is the one to beat.
- And for older homes, First American Home Warranty provides dependable protection.
Conclusion:
So overall, these 5 companies cover almost everything a homeowner might need. Each one has its own unique edge, but the right choice depends on your budget and what kind of coverage matters most to you.
Actionable Tip:
Before signing up, make a quick list of your home appliances and systems. Compare that with each provider’s coverage — this way, you’ll know exactly which plan saves you the most money in the long run.
Content Source:
This article is based on official websites of the warranty providers, customer reviews, and updated 2025 coverage details.
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We do our best to keep this info accurate and updated, but prices and policies may change. Always double-check directly with the provider before making a decision.
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