The Best Home Warranty Providers of 2025

A home warranty can be a lifesaver when an appliance breaks down unexpectedly or a home system suddenly stops working. Whether you're a current homeowner looking to protect your investment or a prospective homebuyer wanting extra peace of mind, finding the right home warranty provider is crucial. With so many options available, we’ve done the research to help narrow down your choices to the best of the best.

So, without further ado, let’s dive into our picks for the best home warranty companies of 2025.

• Choice Home Warranty: Best for Low-Cost Comprehensive Coverage
• American Home Shield: Best for Plan Options
• Liberty Home Guard: Best for Add-Ons
• First American Home Warranty: Best for High Coverage Limits
• 2-10 Home Buyers Warranty: Best for Appliance Coverage

Best Home Warranty Providers of 2025

 Choice Home Warranty

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Best For: Low-Cost Comprehensive Coverage

Service Fee: $100

Starting Plan Costs: $46 to $57 monthly

What We Like:  We like the fact that Choice Home Warranty offers comprehensive coverage at a low starting cost. Service is also available in 49 states and Washington, D.C.

What We Don't Like:  CHW doesn't provide appliance-only or systems-only plan options, which some people may prefer. Homeowners also cannot hire their own contractors.

Choice Home Warranty Plans:

• Basic Plan: Covers heating, electrical, plumbing, water heaters, and kitchen appliances (except the refrigerator). Approx. $46 per month.
• Total Plan: Includes everything in the Basic Plan, plus air conditioning, refrigerator, and washer & dryer. Approx. $57 per month.

 American Home Shield

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Best For: Plan Options

Service Fee: $100 or $125

Starting Plan Costs: $30 to $80 monthly

What We Like: We like American Home Shield's various (and affordable) plan options, with an appliance-only, systems-only, and comprehensive coverage plan.

What We Don't Like: You can hire your own technician, but you have to get them approved ahead of time. If you need a quick repair, that may not be possible.

American Home Shield Plans:

• ShieldSilver: Covers heating, air conditioning, electrical and plumbing. Approx. $30 per month.
• ShieldGold: Everything in ShieldSilver plus ranges, ovens, cooktops, refrigerators, microwave ovens, dishwashers, and garbage disposals, and a washer & dryer. Approx. $50 per month.
• ShieldPlatinum: Everything in ShieldGold plus higher coverage limits, roof leak protection, and HVAC tune-ups. Approx. $80 per month.

 Liberty Home Guard

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Best For: Add-Ons

Service Fee: $70 to $125

Starting Plan Costs: $50 to $60 per month

What We Like: We love how many add-on options Liberty Home Guard offers, so homeowners can customize their plans to their specific needs. They're also relatively highly rated by customers.

What We Don't Like: If a technician has to cut into a wall, floor, or ceiling to repair an appliance or system, the company won't pay to repair that damage. Liberty's plans are also more expensive than many competitors.

Liberty Home Guard Plans:

• Appliance Guard: Covers most major appliances. Approx. $50 per month
• Systems Guard: Covers air conditioning, heating, electrical, plumbing, ductwork, and water heaters. Approx. $55 per month.
• Total Home Guard: Covers everything from Appliance Guard and Systems Guard. Approx. $60 per month.

 First American Home Warranty

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Best For: High Coverage Limits

Service Fee: $75 to $125

Starting Plan Costs: $42 to $77 per month

What We Like: First American Home Warranty has no coverage cap for essential systems like HVAC, electrical, and plumbing repairs. It also has higher coverage limits for appliances than many providers, from $3,500 to $7,000.

What We Don't Like: There's only a 30-day repair guarantee, so if a contractor repairs something and it fails after that 30 days, the homeowner is responsible for paying for another repair. Coverage is also only available in 35 states.

First American Home Warranty Plans:

• Starter Plan: Covers plumbing, electrical, heating, and some appliances. Approx. $42 per month.
• Essential Plan: Starter Plan plus air conditioning, water heaters, and more appliances. Approx. $57 per month.
• Premium Plan: Essential Plan plus higher-end appliances. Approx. $77 per month.

 2-10 Home Buyers Warranty

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Best For: Appliance Coverage

Service Fee: $65 to $125

Starting Plan Costs: $27 to $60 per month

What We Like:  2-10 Home Buyers Warranty offers good appliance coverage for a very affordable monthly premium. Even its comprehensive coverage is affordable compared to some providers.

What We Don't Like: Some coverage limits are lower than other companies, and some customers complain about long wait times for contractors.

2-10 Home Buyers Warranty Plans

• Simply Kitchen: Covers standard kitchen appliances. Approx. $27 per month.
• Complete Home: Covers standard kitchen appliances, as well as plumbing, electrical systems, heating, and cooling. Approx. $47 per month.
• Pinnacle Home: Includes all the coverage offered in the Complete Home plan, plus washers and dryers. This plan also features a "Supreme Coverage" benefit, which provides additional protection for covered appliances and systems. Approx. $61 per month.

How We Chose the Best Home Warranty Providers

Not all home warranty providers are created equal. To determine the best of the best, we looked at:

• Coverage Options: We looked at what major home systems and appliances are covered, as well as any exclusions and optional add-ons that providers offer.
• Pricing & Value: Affordability is key, but we also considered whether the pricing aligns with the level of coverage and service provided. Some providers offer tiered plans that cater to different budgets and coverage needs.
• Customer Satisfaction: Real customer experiences matter. We analyzed thousands of reviews to gauge customer satisfaction levels.
• Flexibility & Customization: Many homeowners prefer plans that allow them to select specific coverage for appliances and systems they use most. Providers that offer this flexibility scored higher on our list.
• Claims Process & Speed: One of the most important aspects of a home warranty is how quickly and efficiently claims are processed. We evaluated response times, claim approval rates, and service quality.

How to Choose a Home Warranty Provider

Before choosing a home warranty provider, consider:

1. Coverage Scope: Does the plan include the appliances and systems you rely on, like HVAC or septic systems? Some plans cover only appliances, some only systems, and some offer comprehensive coverage.
2. Pricing & Service Fees: Make sure the home warranty's cost fits your budget, and understand the service call fees, often from $60 to $125.
3. Exclusions & Limitations: Read the fine print to know what’s not covered. Some warranties exclude pre-existing conditions or have limits on claim payouts.
4. Flexibility: Some providers allow customization for a better fit, letting you add coverage for things like pools, spas, or other unique home features.

Frequently Asked Questions (FAQs)

How does a home warranty work?

A home warranty covers repairs and replacements for major systems and appliances due to normal wear and tear. When something breaks, you file a claim and pay the service fee, and the provider arranges for repairs or replacements through a licensed technician.

What’s the difference between a home warranty and homeowners insurance?

Homeowners insurance covers damage from events like fires and storms, while a home warranty covers appliance and system failures due to everyday use. Both offer financial protection, but they serve different purposes.

Can I transfer my home warranty if I sell my house?

Yes! Many home warranty providers allow you to transfer the policy to the new homeowner, often adding value to your sale and making your home more appealing to buyers.

How do I file a claim?

Most providers let you file claims online or over the phone. Once submitted, a technician is assigned to handle the repair. Some companies process claims within 24 hours, while others may take a few days.

Is a home warranty worth it?

A home warranty plan can absolutely be a worthwhile investment, potentially saving you thousands of dollars on repairs and replacements of vital home systems and appliances. We can't say for certain that it would be worth it for you specifically, but millions of homeowners swear by them.