7 Greatest Residence Guarantee Firms of Might 2025

What to Know About Residence Guarantee Firms

• Residence warranties cowl system and equipment issues that happen from regular put on and tear, excluding harm from pre-existing situations.

• Residence guarantee firms sometimes supply plans for dwelling techniques, home equipment or a mixture of each.

• Service name charges vary between $60 to $150.

• Keep in mind that the majority dwelling guarantee firms have a ready interval earlier than protection begins. The businesses on our listing have, at the least, a 30-day ready interval.

• Our number of firms gives costs starting from $19 to $95 per thirty days.

Adverts by Cash. We could also be compensated when you click on this advert.Advert

Our High Picks for Greatest Residence Guarantee Firms

The businesses listed beneath are in alphabetical order.

Adverts by Cash. We could also be compensated when you click on this advert.Advert

Greatest Residence Guarantee Firm Evaluations

Why we selected this firm: 2-10 Home Buyers Warranty’s premium plan covers a variety of things most dwelling guarantee firms don’t, reminiscent of turntable platforms, rotisseries, ceramic cooktops and concrete-encased plumbing.

2-10 HBW gives three plans: Merely Kitchen, Full Residence and Pinnacle Residence plan. All three plans include 2-10 HBW’s Equipment Reductions Program with reductions as much as 65% on Whirlpool and GE manufacturers. The corporate can even match your equipment coloration throughout replacements and supply a $100 reimbursement when you determine to switch a damaged equipment as an alternative of requesting service.

As well as, 2-10 HBW’s Service Payment Assure features a service payment refund in case your request is ineligible for service. You additionally will not pay one other service payment if the identical part fails after receiving service.

Learn the complete 2-10 Home Buyers Warranty review.

Why we selected this firm: AFC Residence Guarantee gives your alternative of service contractors and reasonably priced premiums, together with two hybrid plans (that cowl each techniques and home equipment).

AFC Home Warranty (America’s First Alternative) first caught our consideration for its reasonably priced premiums. AFC’s plans embrace a techniques plan, an home equipment plan and two hybrid plans masking each techniques and home equipment. As well as, AFC Residence Guarantee has one of many strongest service ensures within the business: each components and labor are assured for the lifetime of the contract.

As with different dwelling guarantee firms, AFC pricing is dependent upon the chosen service payment ($75, $100, $125). Month-to-month premiums for one-year contracts vary from $40 for the Silver Plan as much as $112 for essentially the most complete plan (relying in your location).

Learn the complete AFC Home Warranty review.

Why we selected this firm: American Residence Protect gives free HVAC tune-ups with its premium plan and fewer restrictions in protection than most opponents.

With American Home Shield, select from three complete plans and customise them with add-ons for different techniques and home equipment, together with dwelling electronics and leisure merchandise.

Collectively, AHS’ complete plans — ShieldSilver, ShieldGold and ShieldPlatinum — cowl greater than 23 dwelling home equipment and techniques. As well as, its premium plan, ShieldPlatinum, covers as much as $1,500 for roof leak restore, HVAC tune-ups, code violations and AC refrigerant.

Learn the complete American Home Shield review.

Why we selected this firm: Cinch Home Services’ system plan consists of protection that different dwelling guarantee firms often supply as an add-on.

Cinch plans stand out for protection of things different firms sometimes cost additional for, reminiscent of sump pumps, water dispensers and smoke detectors. Cinch’s equipment plan covers freestanding ice makers and built-in meals facilities, whereas its system plan covers sump pumps, doorbells, smoke detectors and tankless water heaters.

Cinch providers are backed by a 180-day workmanship assure on the work carried out. That is significantly longer than the 30- and 90-day ensures most firms supply (aside from AFC Residence Membership, which gives a service assure for the lifetime of the contract).

Learn the complete Cinch Home Warranty review.

Why we selected this firm: First American Home Warranty’s starter plan gives complete fundamental protection for main home equipment and techniques, at a aggressive value.

With First American’s Starter Plan, you get in depth protection for 9 costly-to-repair home equipment and techniques beginning at $42 a month. Clients can select the Important or Premium Plans for extra protection.

All plans cowl damages brought on by lack of upkeep, rust, corrosion and chemical or sedimentary build-up, which can be very important when you’re shopping for an older dwelling. Additionally they function restricted roof leak protection, which incorporates leaks brought on by regular put on and tear for tar and gravel, tile, shingle or composition roofs.

Learn the complete First American Home Warranty review.

Why we selected this firm: Liberty Residence Guard has essentially the most in depth listing of add-ons available in the market, together with hardly ever coated objects reminiscent of gutter cleansing.

Liberty Home Guard stands out for its listing of potential add-ons. Clients can select from over 40 objects so as to add to their protection — some of the in depth lists of add-ons within the dwelling guarantee market.

The listing consists of objects different dwelling guarantee firms cowl — swimming pools, spas, properly pumps, sump pumps, central vacuums — and different, hardly ever coated objects reminiscent of restricted roof leaks, lock substitute, gutter cleansing, pest management and electronics safety.

Its per-claim service payment ranges from $75 to $`125, with a payout restrict of $2,000 per coated merchandise.

Learn the complete Liberty Home Guard review.

Why we selected this firm: Choose Residence Guarantee plans embrace roof leak protection and a number of low cost promotions all year long.

Select Home Warranty gives notable reductions, together with two months of free service when you pay for a full yr upfront, and particular reductions when signing up for greater than a yr. The corporate additionally has occasional promotions that knock off between $100 and $200 for brand spanking new sign-ups.

Choose has three plans: Bronze Care, Gold Care and Platinum Care, which price between $42 and $55 per thirty days. Bronze Care covers home equipment, whereas Gold Care focuses on techniques. The most costly plan, Platinum Care, combines each for extra complete protection. The service payment is about at $75. As well as, all three plans cowl roof leak repairs.

Learn the complete Select Home Warranty review.

Adverts by Cash. We could also be compensated when you click on this advert.Advert

Different dwelling guarantee firms we thought-about

We seemed into a large swath of firms to search out one of the best dwelling guarantee. The next firms didn’t make the ultimate lower.

American Residential Guarantee

American Residential Warranty is out there nationwide and at present gives three plans.

ARW’s Equipment Max plan covers most typical kitchen home equipment — like cooktops, ranges, microwaves and dishwashers — together with garments washers and dryers. Methods Max covers widespread dwelling techniques reminiscent of plumbing techniques, central dwelling heating and air con. ARW’s Whole Max bundled plan covers all techniques and home equipment, in addition to storage door openers, humidifiers and ceiling followers.

You can even add water and sewer line plans, and electronics safety, which covers something from laptops, gaming consoles and tablets to printers and plasma TVs.

Learn the complete American Residential Warranty review.

Alternative Residence Guarantee

Choice Home Warranty includes a handful of plans that cowl most home equipment and techniques for a service payment starting from $75 to $125. Alternative Residence Guarantee costs are reasonably priced, with plans beginning at round $36.

Nevertheless, the corporate’s protection caps are considerably decrease than the competitors’s, and its protection situations lack flexibility. As well as, the corporate has a pending authorities motion in Arizona for allegedly making false guarantees to clients and utilizing bad-faith refusals to keep away from paying for repairs.

Learn the complete Choice Home Warranty review

Elite Residence Guarantee

Elite Home Warranty is without doubt one of the few firms that allows you to select a $0 service name (though that may imply an elevated annual premium). You can even enhance the coverage’s most protection limits for an extra price. Nevertheless, except for the common 30-day ready interval, the corporate has a 90-day restricted protection interval. Throughout this time, the corporate will cowl as much as the quantity in your settlement.

As of this writing, Elite is out there in 46 states. It doesn’t service: California, Texas or Washington.

Learn the complete Elite Home Warranty review

Landmark Residence Guarantee

Landmark Home Warranty used to supply two dwelling guarantee plans: a systems-only plan and a complete plan that covers each techniques and home equipment. Nevertheless, Landmark has now partnered with American Home Shield, and gives different forms of dwelling warranties by means of that model.

Previous Republic Residence Safety

Old Republic Home Protection providers 32 states, together with Hawaii. It gives protection for a variety of techniques and home equipment, though coated parts fluctuate by state.

Some perks embrace electronics and sensible dwelling gear plans and protection for pest management therapies in some places. Observe that Previous Republic Residence Safety would not enable quote requests or making use of for a house guarantee on-line.

Learn the complete Old Republic Home Protection review

ServicePlus Residence Guarantee

ServicePlus Home Warranty gives two completely different choices: the fundamental plan covers a mixture of techniques and home equipment reminiscent of plumbing, electrical and most kitchen home equipment, whereas the premium plan covers all that plus A/C and heating techniques, washers, dryers, and fridges. Clients may select from over a dozen add-ons to spherical out their protection.

A downside, nonetheless, is that ServicePlus doesn’t supply an equipment or a systems-only plan, which different opponents on our listing do.

What to Know About Residence Guarantee Firms

A home warranty is a service contract that helps you pay for repairs if and when main family techniques or home equipment break down.

Not like householders insurance coverage, which supplies protection for damages brought on by pure disasters, theft or accidents, dwelling warranties assist cowl the price of repairing or changing dwelling techniques or home equipment when particular components and parts fail resulting from regular put on and tear.

This information covers dwelling guarantee fundamentals, the various kinds of protection plans they often supply and the way to decide whether or not that month-to-month premium is definitely price it. It additionally consists of necessary components to bear in mind as you’re selecting a plan.

Is a house guarantee price it?

As soon as a house guarantee contract is in impact, you possibly can contact your organization and request a service for a coated system or equipment malfunction.

If the malfunction is listed in your coverage, the corporate will ship a professional contractor in your space to diagnose and restore the issue. Relying on the state of affairs, some suppliers might choose to switch your merchandise as an alternative, as much as the coated quantity acknowledged in your contract.

Previous to receiving the service, you are sometimes required to pay a service payment or deductible starting from $50 to $150. The precise quantity is set if you select a coverage and ought to be listed in your contract.

The next listing of things might provide help to decide whether purchasing a home warranty is worth it:

How a lot does a house guarantee price?

A home warranty costs anyplace from $300 to $700 yearly, or between $30 to $80 a month, relying on the kind of plan you select. Usually, techniques and appliances-only plans are decrease priced than all-inclusive ones.

Essentially the most cost-effective plans strike a stability between value, forms of objects coated, service payment and payout limits.

Elements that affect dwelling guarantee prices

A number of components can have an effect on the price of your coverage, together with:

• Protection: The kind of protection you select is the issue that the majority influences your property guarantee price. Methods or appliance-only plans typically price lower than complete plans that cowl each main techniques and home equipment. As is to be anticipated, the extra in depth the protection, the upper the associated fee. Non-obligatory protection may enhance your premium.

• Service name payment: One other issue that immediately impacts the price of your property guarantee coverage is the service name payment, or deductibles. Decrease charges typically indicate greater month-to-month funds, whereas plans with greater charges price much less per thirty days.

• Residence measurement: Some dwelling guarantee firms think about the kind of property and measurement of your property — that’s, the sq. footage or variety of rooms — of their pricing. Bigger houses or houses with distinctive options typically require extra in depth (or personalized) protection, which ends up in greater premiums.

• Location: Prices can fluctuate relying on the place you reside, primarily resulting from variations in the price of residing. Firms may additionally think about particular environmental situations that have an effect on the everyday put on and tear of dwelling techniques in your area. These variations usually lead to greater or decrease premiums.

Residence guarantee vs. dwelling insurance coverage

The primary distinction between a house guarantee and householders’ insurance coverage is what every one covers and beneath what circumstances. Beneath are some key variations:

Understanding dwelling guarantee contracts

Earlier than signing up with a selected supplier, take the time to know the contract. Beneath are three details to evaluate:

• Examine what objects are coated: Though most dwelling guarantee firms cowl comparable objects, there may be vital variations of their plans. It’s necessary you learn the nice print and make sure that the corporate supplies protection for the objects you wish to shield.

• Perceive protection caps: Firms typically listing protection caps for specific techniques and home equipment. These caps are the utmost quantity the corporate can pay to restore or change a coated merchandise per contract time period.

• Discover what is not coated: Preserve an eye fixed out for the parts or events that are not covered. Most suppliers listing particular limitations and exclusions on their contracts. As an example, some firms might cowl roof repairs however exclude metallic roofs and roof-mounted installations from their protection.

Inquiries to ask your property guarantee supplier

Make certain to ask the supplier any questions that will come up whereas reviewing the contract. Listed here are some good ones to start out with:

• Is there a ready interval earlier than protection begins?

• What’s the service payment (or deductible)?

• Can I select my very own service contractor or technician to carry out repairs?

• Is there a restrict on what number of occasions I can request a service?

• Are there any cancellation charges or penalties?

• What are the protection caps or most payouts per merchandise or contract time period?

• Do you cowl pre-existing situations?

• Can I customise my protection after buy?

• What’s the coverage on replacements versus repairs?

Tips on how to file a house guarantee declare

The method of filing a home warranty claim can fluctuate from firm to firm. Nevertheless, it might typically embrace the next steps:

1. Request a service: Most guarantee firms require that you just notify a malfunction as quickly because it occurs. You may sometimes do that by calling their customer support quantity or submitting a declare on-line, if the corporate has a web-based portal.

2. Coordinate repairs: As soon as your declare is accepted, the guarantee supplier will sometimes schedule an appointment with a service technician. In case your contract states which you can select your personal, chances are you’ll schedule a go to with a certified contractor immediately.

3. Pay the service name payment: Relying in your coverage, you’ll have to pay a service name payment or deductible upon requesting a service. This payment ought to already be laid out in your contract.

What to do if your property guarantee declare is denied

A denied claim may be irritating, however earlier than you determine to pay for repairs out of pocket, take the time to know the explanations for the denial. Listed here are some steps you possibly can take:

1. Overview the denial letter: Your house guarantee firm ought to ship you a written notification with the explanations for the denial. Establish them and evaluate your contract to verify whether or not your declare is certainly coated or not. When you’ve got sufficient info to imagine that your declare ought to be coated, think about making an enchantment.

2. Collect documentation: Residence upkeep data, pictures and pre-inspection documentation could also be useful to deal with your denial. You might also request a replica of the corporate’s inspection report. This fashion you possibly can know the specifics of the prognosis and search for a second opinion with an impartial contractor.

3. File an enchantment: When you accumulate all of the related documentation, attain out to the corporate and focus on the denial. Ask for clarification on the explanations behind the choice and for the method to file an enchantment or a brand new declare. Throughout this course of, hold a report of all communications with the corporate, together with names, dates and particulars of the conversations.

In case your efforts to resolve the problem with the corporate are unsuccessful and your denial seems to be in violation of the phrases in your contract, think about submitting a criticism with a shopper safety workplace in your state or shopper organizations just like the Higher Enterprise Bureau.

What can void a house guarantee?

Every supplier has its personal algorithm relating to the components that might void your coverage for a particular system or equipment. In some cases, a declare could also be denied for the next causes:

• Unauthorized repairs or modifications, whether or not through the use of an unapproved contractor (licensed or not) or trying to do the repairs your self

• Improper upkeep or set up

• Residence enchancment tasks

• Failing to maintain your property as much as constructing codes

• Misplacing possession documentation

The “correct upkeep” grey space

Generally dwelling guarantee protection is contingent on the “correct upkeep” of techniques and home equipment. This implies repairs gained’t be coated if the malfunction was brought on by a failure to comply with the producer’s upkeep specs. Nevertheless, firms usually don’t present clear tips as to what constitutes correct routine upkeep.

Some contracts give concrete examples reminiscent of:

• Altering filters
• Flushing the water heater
• Sanitizing your water filter
• Preserving correct refrigerant ranges
• Cleansing coils

Nevertheless, protection will in the end rely upon whether or not the service technicians determine there was correct upkeep.

TIP: In case you purchase a house guarantee, take photos and doc the routine upkeep of the home equipment.

How do I cancel my dwelling guarantee?

The cancellation course of can fluctuate from one firm to a different, nonetheless, there are some normal steps you possibly can comply with:

• Overview your contract: Examine your contract’s cancellation coverage and any charges that will apply. Most firms cost a cancellation payment that may vary from $25 to $75 — or 10% of the charges you will have but to pay. This implies chances are you’ll obtain a prorated refund. Nevertheless, firms sometimes present a full refund when you cancel throughout the first 30 days of buy.

• Contact the house guarantee firm: Name or electronic mail your supplier immediately and allow them to know you propose to cancel your coverage. An organization consultant could possibly information you thru the specifics. In some circumstances, chances are you’ll must ship a written discover of termination, which you need to ship by way of registered publish or courier if potential, to make monitoring simpler.

• Cancel your cost: In case your funds are mechanically charged to a bank card or checking account, make sure that to cancel the automated cost with the corresponding establishment.

• Observe up: It might be a good suggestion to request a written affirmation of the cancellation immediately from the corporate.

Needless to say despite the fact that most dwelling guarantee contracts are legitimate for one yr (until you enroll in a multi-year plan), your plan might auto-renew when you enroll in automated funds. If that’s your case, make sure that to cancel the plan and computerized cost at the least two weeks earlier than the renewal date.

How We Selected the Greatest Residence Guarantee Firms of 2025

Since we first began reviewing dwelling guarantee firms in 2020, we’ve spent over a thousand hours researching the highest suppliers within the nation, totally vetting 22 completely different firms.

Our methodology focuses on 4 key components: transparency in providers supplied, claims processing, price and high quality of customer support.

We rigorously analyzed pattern contracts from our high contenders and evaluated them on standards reminiscent of contract phrases, forms of malfunctions or failures coated, payout limits, cost-efficiency and repair charges. We additionally analyzed and in contrast their plans, protection limitations and pricing.

We in contrast them utilizing the next components:

Companies supplied. We in contrast firms’ choices and protection caps to search out those that supplied one of the best worth and coated essentially the most techniques and home equipment.

Claims processing. We most popular firms that supplied a number of methods to file a declare and fast response occasions. Every firm we chosen has typical response occasions of 48 hours or much less and completely different channels to submit a declare, reminiscent of over the cellphone or on-line.

Value. We contacted firms to acquire quotes at any time when costs weren’t brazenly disclosed on their web sites, utilizing New York and California addresses.

Availability: We centered on firms providing nationwide providers or that have been out there in at the least 30 states.

Authorized actions: To evaluate their repute and good standing, we evaluated whether or not the businesses on our listing have pending or current regulatory or authorized actions.

Customer support. We checked each firm’s standing with the Higher Enterprise Bureau (BBB), together with their accreditation (or lack thereof), ranking and evaluations. In our listing, we solely included firms that, in the event that they have been registered with the BBB, had a ranking of B or greater.

Observe that BBB scores think about components reminiscent of variety of complaints, time in enterprise, clear enterprise practices, licensing and any authorities actions in opposition to a enterprise to find out how a selected enterprise is “more likely to work together with its clients.” A enterprise can obtain a ranking from A+ to F.

Abstract of Cash’s Greatest Residence Guarantee Firms of June 2025

The businesses listed beneath are in alphabetical order.