Most Affordable Home Warranty Companies in USA

Affordable Home Warranty Companies can help homeowners manage the high costs of unexpected repairs for appliances or essential systems like plumbing and HVAC. Due to normal wear and tear, unlike homeowners insurance, which covers unexpected damages, a home warranty plays an essential role in covering these repairs or replacements. The best providers offer flexible coverage plans, transparent pricing, strong customer support, and high coverage limits. The right choice depends on your home’s specific repair needs and desired features.

In this insight, you will know about the best  affordable home warranty companies  in 2025.

1. Choice home warranty company 

Choice Home Warranty comes under the top list of best affordable home warranty providers.It gives homeowners trouble-free protection for their appliances and systems when unexpected breakdowns occur. The company provides flexible and more affordable plans that deliver around-the-clock service during every season to owners of homes and sellers.

The company distinguishes itself through extensive, reliable warranties that come along with fast claims processing supported by dedicated customer service. 

Choice Home Warranty helps customers to get referrals when standard claims coverage is rejected.The company receives Consumer Approved and Business Excellence awards due to its outstanding exceptional service.

 2. First American Home Warranty

First American Home Warranty delivers three different home warranty plans starting from $51.24 per month up to a maximum of $86.03 every month. The company boasts one of the broadest coverage selections available from home warranty providers while only counting exclusions for add-on options. The Starter plan from First American Home Warranty excludes air conditioning coverage for its customers.

First American Home Warranty positions itself among the highest-rated home warranty providers by offering three combination plans with competitive prices that provide extensive protection. Service areas covered by this company extend to only 36 states, making it the smallest among the reviewed providers.

Premium plan subscribers get coverage for specialized high-end appliances, which other companies usually exclude from their service coverage. 

Customers who want extended protection can pick among various optional enhancement packages. First American Home Warranty provides its most extensive coverage plan, which protects 18 main home systems and appliances and offers optional security for another seven items. Customers purchasing the Premium plan benefit from approx. $7,000 appliance coverage yet their options for coverage extends to $3,500 in benefits through lower-tier plans, which surpass industry competitors’ coverage amounts.

Service fees at $100 and $125 from the company rank above other providers but customers remain unrestricted in their service request amounts during their contractual period. First American Home Warranty supplies homeowners with new appliances or products that have equivalent capability when a covered item becomes irreparable.

3. Cinch Home Services

Cinch Home Services positions itself as a top provider for home warranty protection of home appliances among all available options. Thorough coverage options together with flexible plan structures and their excellent reputation enable Cinch Home Services to maintain appliance efficiency while shielding homeowners from surprise repair expenses.

The home warranty solutions from Cinch Home Services include plans that safeguard main household appliances and built-in home systems. Cinch allows homeowners to select from their range of flexible plans so they can get the specific home coverage that suits their requirements.

Plans Offered

• Cinch Home Services divides its warranty services into three distinct packages for customers.

• Home Appliance Plan—Covers major home appliances like refrigerators, ovens, washers, and dryers.

• The Built-in Systems Plan from Cinch Home Services insures fundamental home systems together with HVAC equipment, plumbing structures and electrical components.
• The Complete Home Plan combines both previous plans to give homeowners protection for home appliances and house systems together.

Coverage Limits

Under Cinch’s coverage programs, customers receive broad limits that make essential house repair processes effective.

The expense covers up to approximately $3,000 to install heating and air conditioning systems. And $500 for electrical, plumbing, and 

Among its protective options, Cinch provides several additional features, including pool and spa coverage, septic tank and well pump coverage, removal and disposal of replaced items and permit and code updates.

Pool and spa coverage

The protection plans cover your septic tank and well pump equipment. Removal and disposal of replaced items. Permit and code upgrades

4. American Home Shield (AHS)

The trusted home warranty services of American Home Shield (AHS) have operated since 1971. American Home Shield provides protection for all properties, including single-family homes, duplexes, townhomes, condos and mobile homes, by offering defense against unanticipated equipment malfunctions.

Comprehensive Plans for Every Homeowner

American Home Shield provides home warranty plans which feature three various warranty options to match different customer needs.

ShieldSilver: This policy extends its protection to HVAC plus electrical and plumbing domestic systems.

ShieldGold: Includes everything in ShieldSilver plus coverage for kitchen and laundry appliances.

ShieldPlatinum: It stands as the broadest protection plan by delivering complete ShieldGold features in addition to enlarged coverage boundaries and supplemental protection for microwaves, ceiling fans and icemakers, together with roof leak assistance.

The American Home Shield Company serves customers across most regions of the United States. The service territory of AHS extends to all states except Alaska and Hawaii. Other homeowners outside of Alaska and Hawaii can obtain the extensive protection plans administered by this service provider.

As part of the customization process, AHS clients can utilize add-ons to their standard policy through an array of available options.

• Electronics
• Pool and spa coverage
• Septic systems
• Well and sump pumps
• Roof leaks
• Guest units

Coverage Limits for Homeowners

Homeowners receive maximum protection for their home systems and appliances through AHS because the insurance company provides extensive coverage limits.

ShieldSilver: Up to approx. $5,000 per covered HVAC system

ShieldGold: Approximately $5,000 per covered HVAC system and $2,000 per covered appliance

ShieldPlatinum: Approximately $5,000 per covered HVAC system, $4,000 per covered appliance, and $1,000 for roof leaks

Why do you choose American Home Shield?

The company started its operations more than five decades ago and continues to deliver consistent protection to homeowners who want peace of mind.The home warranty product lineup from American Home Shield includes many flexible choices that provide generous insurance coverage options, which positions it as a leading home warranty provider in the market.

5. Liberty Home Guard

Homeowners should choose Liberty Home Guard because it protects essential systems in their homes effectively. The company’s extensive plans cover all regions of the country, which provides complete protection for HVAC systems alongside plumbing and electrical systems. 

Can it meet your requirements as the right home warranty provider? 

Let us investigate the details on its service plan structure and how it handles coverage together with its inevitable valuation systems.

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Plans and Coverage of liberty Home Guard

Liberty Home Guard provides three distinct plans that cover the needs of different types of clients.

Appliance Guard: Covers common household appliances.

Systems Guard extends coverage to protect HVAC devices and piping systems together with electrical machinery and ductwork setups.

With Total Home Guard, consumers can find full home protection through its combination of appliance-related and system-related coverage.

Availability

Liberty Home Guard stands out through its national reach that extends across every state of the United States, which provides great service options for all homeowners across the country.

Coverage Limits

People who seek home warranties need to study what each plan will permit them to cover, as this knowledge is fundamental to making informed choices. 

Liberty Home Guard offers:

• The coverage amount for appliances together with air conditioning reaches $2,000 for each protected device.
• Liberty Home Guard covers each repair from electrical, plumbing, and roof leak categories by paying $500 per item.

The home warranty service provider Liberty Home Guard offers a range of add-on options.

which include:

• Fixtures and electronics
• Additional refrigerators
• Carpet cleaning
• Sump and well pumps
• Septic systems
• Pool/spa coverage
• Sprinklers
• Gutter cleaning
• Window washing
• Roof leaks
• Pest control

For more  clarity about home warranty companies, read some FAQs.

Final thought

Choosing the best and most affordable home warranty company in 2025 will be determined by both your coverage needs and your budget, as well as your desired types of coverage.Best home warranty providers, like Choice Home Warranty and four more companies, offer reliable plans with unique and several benefits.

Having a home warranty provides you with comfort through the protection of expensive maintenance and replacement expenses.