Choice Home Warranty provides cost-effective options that cover most main appliances and systems. Furthermore, new users are eligible for a free month of coverage. You may file a claim online or over the phone 24 hours a day, seven days a week, and a service provider will contact you within 48 hours. In Washington and California, however, services are not offered, and Choice restricts coverage to $3,000 per item per contract period.

Choice Home Warranty provides inexpensive coverage for the necessities of your home. You don't have to choose between insuring your home's built-in systems and appliances with two combination plans that cost less than $55 per month.

Best for: Homeowners seeking affordable full-home coverage

Average annual premium: $476–$660

Service requests: 24/7 by phone and online

Pros

• Low premiums
• First month free
• 24/7 online and phone claims support
  

Cons

• Coverage limit of $250–$3,000 per item
• Not available in California or Washington
  

Website: https://chwprice.com/a/a75/index.php?

Select Home Warranty covers the whole country, with the exception of Washington, Wisconsin, Nevada, and New York. Homeowners may opt from three different plans, each of which covers the majority of important appliances and systems. Its coverage limits are lower than those of many rivals, despite the fact that it offers discounts that make premiums inexpensive. Select, on the other hand, offers free roof leak coverage with all of its plans, as well as phone assistance 24 hours a day, seven days a week.

The Bronze Care, Gold Care, and Platinum Care plans, which cover systems, appliances, and the complete house, respectively, are available through Select Home Warranty. According to our analysis of 39 providers, Select charges a $75 service call cost, which is somewhat less than the industry average.

Best for: Customers seeking affordable premiums and fees
Average annual premium: $404.99-$756
Service requests: 24/7 online and phone

Pros

• Affordable premiums and fees
• 24/7 phone support
• Free roof leak coverage

Cons

• Low coverage limits
• Not available in Nevada, New York, Washington, or Wisconsin

Website: https://quote.selecthomewarranty.com/affiliate/0b0b49?

When you buy a plan from Liberty Home Guard, you'll get an outstanding reputation from your clients, exceptional customer service, and a slew of bargains and discounts. When you get a year's worth of coverage, for example, you'll get two months free. Although Liberty Home Guard's network of technicians is slightly less than that of other rivals, you may also hire your own.

Liberty Home Guard offers three common policy options: appliance-only, systems-only, and full combination. A variable service call cost, as opposed to a flexible service call fee, is charged by Liberty. A customer support representative told us that the charge would always be between $65 and $125, but your actual service call fee will be determined on your plan, add-on choices, and house location.

Best for: Special offers and discounts
Average annual premium: $499.99-$639.99
Service requests: Phone or online, 24/7

Pros

• Excellent customer service
• 2 free months with annual billing
• Highly rated by customers

Cons

• Only available in 47 states
• Lower number of technicians

With more than 35 years’ experience, First American Home Warranty is a robust offering for those seeking strong all-round protection for their systems and appliances. Among its most attractive features are its promises to cover items regardless of age and to replace items that are beyond repair with a brand new equivalent.

Although there are maximum payouts for multiple items, these are highly reasonable and affordable. Thanks to its clear and transparent application process, customers should also be well aware of which items fall within their coverage plans and which do not.

First American Home Warranty (FAHW) has been a leader in the home warranty industry for over 35 years and provides some of the cheapest home warranty coverage on the market. Its plans cost between $28–$43 a month and its service fees are $75, which is in line with the industry average.

Best for: High payout caps
Average annual premium: $372-$546
Service requests: 24/7 phone and online claims service No limit on number of service requests

Pros

• 24/7 claims service
• Fully vetted tradespeople

Cons

• Only 2 standard plans
• App not available

Website: https://go.fahw.com/quote-ni/?oid=8&affid=6&SourceID=D_AdbAYW4wsM

Cinch House Services has been providing home warranty services to clients around the country since 1978. It provides three options that cover most main appliances and systems in your house. While its service costs are more than those of its competitors, Cinch's premiums, depending on your state, might be relatively reasonable.

It covers corrosion and rust damage as well as pre-existing issues, unlike many of its rivals. Cinch's 180-day service guarantee assures that you keep your service fees low for recurrent calls, and you may file a claim at any time.

Cinch has a customizable service call charge model with choices ranging from $100 to $150, which may be more expensive than other providers, but it's offset by free water sensors, discounts on new appliances, and coverage for rust and corrosion-damaged products. By selecting a service call charge that matches your budget, you can increase or decrease your monthly payments.

Best for: Workmanship guarantee
Average annual premium: $335.88-$1,163.88
Service requests: 24/7 online and phone

Pros

• Covers rust and corrosion damage and pre-existing conditions
• 180-day workmanship guarantee
• First 2 months free on all plans

Cons

• Not available in Alaska or Hawaii
• High service fees compared to other companies

Website: https://shop.cinchhomeservices.com/top10?

Complete Care Home Warranty, which has only been in operation for two years, provides comprehensive coverage for both household systems and appliances. It includes a 24/7 service request hotline and will cover older products, in addition to possibly expediting emergency claims.

The most significant flaw we discovered was the low payment limitations on several goods. Complete Care House Warranty, on the other hand, may be the perfect decision for you if you consider these should be adequate to cover the objects in your home.

At a low price, Complete Care Home Warranty provides three plan choices. While your costs may vary based on the size of your house, your location, your plan, and any add-on choices you choose, we estimated that each plan would cost between $43 and $50 per month. Each time you make a claim with Complete Care, you will be charged a $49 service call fee.

Best for: Protecting older items
Average annual premium: $450-$570
Service requests: 24/7 over the phone Emergency cases may be expedited Contractor contacted within 48 hours

Pros

• No maintenance records required
• Covers all makes/models
• Covers older items

Cons

• Relatively low payout caps
• App not available

Website: https://quote.completecarehomewarranty.com/

AFC Home Club, which covers a wide range of systems and appliances, might provide you peace of mind if one of your home's most important components fails. It provides four plan categories (Systems, Silver, Gold, and Platinum), each with in-house claims support available 24 hours a day, seven days a week.

Despite having pricing that is generally in line with industry standards, the supplier has many advantages over its competitors, including the market's longest craftsmanship warranty and a variety of appealing features.

Best for: Choose your contractor
Average annual premium: $345-$575 (based on quotes obtained in August 2021)
Service requests: Online or phone 24/7

Pros

• Home inspection/maintenance records not required
• Unlimited number of service requests
• Freedom to choose own contractor

Cons

• Live chat not available
• App not available

Website: https://afchomeclub.com/

HSC has been providing home warranty coverage to homeowners across the country since 2008. Its two service contracts cover the majority of the key appliances and systems in your house. Despite having higher premiums and service costs than many of its competitors, it offers discounts to make its plans more reasonable. You may obtain pest damage coverage as well as unique extra features like utility line coverage with HSC. You can file a claim online 24 hours a day, seven days a week, and HSC will schedule your service within 12 to 48 hours.

Best for: Homeowners looking for extensive coverage options
Average annual premium: $552-$799
Service requests: 24/7 online and by phone during normal business hours

Pros

• Provides coverage for pest damage
• Available nationwide
• 90-day workmanship guarantee on all repairs

Cons

• High base premiums and service fees
• No 24/7 phone support

Website: https://myhscwarranty.com/lp/hsce/index.php?

First Premier Home Warranty offers fair costs that are somewhat lower than other rivals, as well as two free months with your plan, making it a suitable alternative for those on a tight budget. Premier, the company's most basic plan, covers a wide range of appliances and systems, with the ability to upgrade or add extras if you want additional coverage.

There's also a 30-day labor warranty and a 90-day parts guarantee. While First Premier's contractor network isn't the largest, it strives to solve your concerns within 48 hours.

Best for: Lower service fees
Average annual premium: $420-$540
Service requests: Phone or email, 24/7

Pros

• $60 service fee
• Two free months
• Quick customer service response

Cons

• Full details not on website
• Not many plan options

Website: https://lpfirstpremierhomewarranty.com/

Simply Kitchen, Complete Home, and Pinnacle Home are the three plan choices offered by 2-10 Home Buyers Warranty. You can pay $65, $85, or $100 for a service call. You should anticipate paying between $22 and $60 each month, according to our estimate.

Simply Kitchen, a package that includes a combination of built-in systems and appliances, and a comprehensive package that includes electrical cut-off switches, concrete encased or buried wiring, home security systems, showerheads, and more.

It's worth noting that 2-10's basic plans exclude washers and dryers, but you can purchase coverage for $6 per month.

Pros

• Available in 48 contiguous states
• Purchase a plan anytime
• $25,000 annual coverage limit

Cons

• High base service fee
• Expensive annual premium

Website: https://www.2-10.com/