Finding a top-rated home warranty company will protect your budget and provide immediate assistance during home equipment breakdowns. Your home warranty company selection requires matching services to your individual needs while staying within budget constraints across specified geographic areas.
In this insight, you will know about the best home warranty companies in 2025. And how you can choose the best one easily.
Before committing to a plan, consider these factors:
Coverage Options: Home warranty providers present options for complete system protection alongside appliance plans and mixed combinations between the two. Understand your home maintenance needs by examining its age together with its current state of repair.
Service Fees: Home warranty service fees usually appear as fixed amounts per service call when fixing your residential system and cost between $50 and $150 per visit. Look for a company that offers fees within affordability limits.
Exclusions: Check through all the details to determine what parts of your coverage you have and don't have.
Response Times: Emergency house repairs need services that arrive promptly.
Here are the Best 10 home warranty companies in USA
| S.No | Home Warranty Companies |
| 1 | ARW Home |
| 2 | Liberty Home Guard |
| 3 | American Home Shield |
| 4 | AFC Home Warranty |
| 5 | Choice Home Warranty |
| 6 | Cinch Home Services |
| 7 | First American Home Warranty |
| 8 | Select Home Warranty |
| 9 | Home Service Club |
| 10 | OneGuard Home Warranty |
1. ARW Home
Rating: 4.9
Monthly Cost: Starting at $39.99
Service Fee: $125
The service provided by ARW Home protects homeowners against unexpected and expensive repair costs by offering dependable coverage. The American family-owned enterprise delivers peace-of-mind home protection services to USA-based customers while respecting the importance of domestic security.
The essence of home protection requires expert service with unmatched accountability and personalized care because safeguarding your house deserves the same reassurance you feel in your own house.
Plans and Features
Kitchen Plus: It covers major kitchen appliances, electrical systems, and a water heater for $39.99/month.
Platinum: Customers seeking HVAC system and laundry appliance maintenance coverage can choose the $64.99/month plan.
Platinum Premier: For $74.99/month, subscribers receive garbage disposals along with kitchen exhaust fans and garage door openers.
Pros:
- Affordable Kitchen Plus plan.
- 30-day money-back guarantee.
- Nationwide availability.
Cons:
- No roof leak coverage.
- Limited service fee flexibility.
2. Liberty Home Guard
Rating: 4.9
Monthly Cost: Starting at $50.19
Service Fee: $85
Liberty Home Guard exists through core values that drive the company to deliver superior service combined with maximum client value. The organization devotes itself to product development while exploring new ways to enhance home warranty operations. The company makes ethical choices despite facing obstacles because they aim to reach the most outstanding outcomes.
Every interaction at Liberty Home Guard embodies respect and fairness, which delivers positive results to customers and partners. As an organization focused on enhancing customer satisfaction, Liberty Home Guard dedicates itself to maintaining industry-leading standards while providing dependable, superior service.As the most customer-oriented company in home warranty sales, Liberty Home Guard sets its sights on this objective.
Plans and Features
Appliance Guard: Covers nine major appliances for $50.19/month.
Systems Guard: Covers six major systems for $55.19/month.
Total Home Guard: You can get comprehensive protection, including appliances and systems, through a $60.19/month package.
Pros:
- Option to choose your contractor.
- Available in all 50 states of the USA.
- Over 30 add-ons, including pool, spa, and roof leak coverage.
Cons:
- Low coverage limits.
- Only one service fee option.
3. American Home Shield
Rating: 4.2
Monthly Cost: Starting at $42.85
Service Fee: $100–$125
American Home Shield Corporation stands among the top home warranty companies within the United States. American Home Shield began operations in 1971 before ServiceMaster acquired it in 1989, while Frontdoor, Inc. (FTDR) on NASDAQ purchased it in 2018.
Plans and Features
ShieldSilver: The systems-only plan from American Home Shield includes protection for 14 major systems while charging $42.85 per month.
ShieldGold: Covers 23 systems and appliances for $62.85/month.
ShieldPlatinum: Residents who opt for the comprehensive level receive roof leak repair control along with increased bounds for appliances for $92.85/month in service costs.
Pros:
- The service includes extensive coverage benefits up to $5,000 for heating, ventilation and air conditioning systems.
- Generous $50,000 annual aggregate limit.
- HVAC tune-ups included.
Cons:
- No appliances-only plan.
- High service fees.
4. AFC Home Warranty
Rating: 3.9
Monthly Cost: Starting at $44
Service Fee: $75–$125
Professional experts from the home service industry founded America’s First Choice Home Warranty to provide dependable and cost-efficient home warranty protection plans. The company exists to shield their policyholders from financial strain due to unexpected repair expenditures through their affordable and complete coverage packages.
Every homeowner deserves financial help in the event of unforeseen expenses during times of tight budgets, which is why support should be available to all property owners.
America’s First Choice Home Warranty keeps customer privacy safe and maintains complete transparency in operations since it gives quotes to prospective customers without collecting personal data while also refusing to share customer information with others.
Under America's First Choice Home Warranty, customers acquire genuine peace of mind through exceptional service, expansive insurance coverage, economical plans and respectful treatment of their clients.
Plans and Features
Silver Plan: Covers basic kitchen appliances for $44/month.
Gold Plan: Property owners who enroll in the $59/month plan receive coverage for HVAC systems along with plumbing systems.
Diamond Plan: Homeowner protection includes complete coverage of exterior sewers and water pipes at $99/month.
Pros:
- The workmanship guarantee under these plans extends through the entire duration of the contract.
- Option to choose your technician.
- Flexible pricing structure.
Cons:
- More expensive than competitors.
- Not available in California, Hawaii, and Washington.
5. Choice Home Warranty
Rating: 3.8
Monthly Cost: Starting at $49
Service Fee: $100
Choice Home Warranty is a trusted provider of home protection plans, offering seamless coverage to shield homeowners from unexpected appliance and system repairs.
With a focus on reliability and convenience, Choice Home Warranty ensures peace of mind by handling repairs quickly and efficiently so customers can enjoy a worry-free home.
Plans and Features
Basic Plan: Covers 14 systems and appliances for $49/month.
Total Plan: The plan featuring air conditioning along with laundry appliances costs $57.50 monthly.
Pros:
- Roof leak coverage included.
- Quick claim processing (contact technicians within 4 hours).
- Affordable plans.
Cons:
- Choice Home Warranty provides no isolated coverage for specific appliances or systems.
- Limited service fee options.
6. Cinch Home Services
Rating: 3.8
Monthly Cost: Starting at $45
Service Fee: $100-$150
Cinch provides a user-friendly platform that helps property owners alongside tenants to maintain their houses. The company has been operating for 40 years by using smart tools alongside reliable customer support to assist customers in home problem prevention and fixing to resolve shopping issues.
Cinch works with thousands of expert technicians across the country to offer great service and value. The goal is to exceed expectations for homeowners, renters, real estate agents, and partners, making home care simple and stress-free.
Plans and Features
Appliances Plan: Covers 12 appliances for $45/month.
Built-in Systems Plan: Covers 16 systems for $50/month.
Complete Home Plan: Combines appliance and system coverage for $62/month.
Pros:
- 180-day workmanship guarantee.
- Covers unknown pre existing conditions.
- Discounts on new appliances.
Cons:
- No roof leak coverage.
- High service fees.
7. First American Home Warranty
Rating: 3.8
Monthly Cost: Starting at $51
Service Fee: $100–$125
First American Home Warranty operates as a trusted home warranty industry leader that provides cost-efficient protection for critical home systems together with household appliances over four decades.
The company protects homeowners from big repair costs by handling expenses that result from standard system deterioration.
First American Home Warranty offers dependable service through its nationwide team of independently verified contractors for every home repair matter.
Plans and Features
Starter Plan: Covers basic appliances and systems for $51/month.
Premium Plan: Offers luxury appliance coverage up to $7,000 per item for $86/month.
Pros:
- Unlimited service requests.
- Roof leak coverage included.
Cons:
Only available in 36 states.
8. Select Home Warranty
Rating: 3.7
Monthly Cost: Starting at $60.45
Service Fee: $60-$75
Homeowners can feel secure selecting Home Warranty, which offers comprehensive coverage for home systems and appliances at reasonable prices and delivers exceptional customer support for their protected devices, such as air conditioners and water heaters, plus plumbing and electrical systems, kitchen appliances and laundry machines.
The company makes things easy by offering 24/7 support, so customers can buy plans, file claims, or ask for help at any time. With a large network of skilled technicians and fast response times, Select Home Warranty ensures quick and reliable service, keeping many customers happy.
Plans and Features
Platinum Care: Combines appliances and systems coverage for $63.80/month.
Pros:
- Free roof coverage included.
- Affordable service fees.
Cons:
- Strict claim guidelines.
- No coverage for preexisting conditions.
9. Home Service Club Home Warranty
Rating: 2.0
Available on: Modernize website
Homeowners can find peace of mind through the Home Service Club’s home warranty programs, which protect them from the cost of appliance and system breakdowns. Home Service Club plans eliminate the need for homeowners to fund fixes or obtain service contractors or replacements since they cover the costs.
The Home Service Club removes the financial burden and stress associated with appliance and system issues. With HSC, homeowners can rest easy, knowing that they’ve taken care of this potential concern in advance.
Key Details:
Monthly Premiums: Starting at $50
Service Fees: $65, $95, or $125 per claim
Availability: Coverage in all 50 states and Washington, D.C.
Features:
The standard Home Service Club plan extends protection to vital home systems and standard household appliances.
Advantages:
- You can select your own repair expert once the company approves the option.
- The insurance will pay for the recovery of damaged walls if the claim amount stays under the quoted limit.
Drawbacks:
- Coverage through Home Service Club exists for electrical and plumbing systems at levels that prove insufficient.
- Overall evaluations of customer satisfaction remain three points too low.
10. OneGuard Home Warranty
Rating: 4.0
Available on: Modernize website
OneGuard redefines the home warranty experience by combining comprehensive protection with the ease of home maintenance services, all bundled into a single plan. Unlike traditional home warranty providers, OneGuard offers homeowners both the security of coverage and the convenience of ongoing maintenance, ensuring their home stays in top condition year-round.
Key Details:
Monthly Premiums: Starting at $29.99
Service Fees: $100 or $125 per claim
Availability: Limited to 3 states
Features:
When customers choose OneGuard Home Warranty plans, their installations receive generous protection limits and the ShieldPlatinum plan provides full appliance coverage. Monthly customer premiums at the company remain among the lowest available options.
Advantages:
- Maintenance coverage limits extend to essential systems and home appliances.
- Affordable monthly premiums.
Drawbacks:
The company operates in only three states because of limited availability.
How to choose the best home warranty company?
When choosing the best home warranty, consider the following:
- Affordability:
- Determine what you can pay in monthly premiums or if you can save by paying annually.
- Assess your comfort level with service call fees.
- Service fee preferences:
- Decide if you want a fixed service fee or the flexibility to choose your fee.
- Coverage Needs:
- Identify whether you need an appliance-only, systems-only, or comprehensive plan.
- Match the coverage to the systems or appliances you value most.
- Coverage Limits and Exclusions:
- Understand coverage limits for high-priority items.
- Check for exclusions, including specific damages or parts not covered.
FAQ
What are home warranty companies?
What is the best home warranty company?
Does home warranty cover refrigerators?
What are the biggest benefits of a home warranty?
Home warranties protect you by eliminating expensive unforeseen maintenance expenses
Home insurance policies typically do not protect systems or functional equipment that owners need.
Apply for a home warranty and secure your home's future today!
The Meta Platforms enters 2025 with strong momentum, buoyed by robust financial performance and significant investments in AI.
