Cheapest Home Warranty Companies of 2025

Cheapest Home Warranty Companies

Home warranties don't have to break the bank. In fact, some of the most reliable providers offer affordable plans that still provide essential protection. We’ve researched and compared five of the cheapest home warranty companies of 2025, based on starting prices, service fees, and what you get for your money.

1. Choice Home Warranty

Best For: Overall affordability and simplicity

• Starting Cost: $46/month
• Service Fee: $85

What You Get: Basic plans include systems and appliances. Optional add-ons available for roof leaks, pools, and more.

Why It's Cheap: Offers one of the most competitive monthly rates in the industry without sacrificing core coverage.

Choice Home Warranty

Get A Quote

2. American Home Shield (AHS)

Best For: A trusted name with strong coverage

• Starting Cost: $49.99/month
• Service Fee: $100–$125

What You Get: Flexible plans that cover systems, appliances, or both. Generous coverage limits and few exclusions.

Why It's Cheap: While slightly more expensive, AHS offers frequent promotions and deeper coverage, making it high-value for the price.

American Home Shield

Get A Quote

3. Select Home Warranty

Best For: Homes with aging systems

• Starting Cost: $44/month
• Service Fee: $75

What You Get: Coverage for HVAC, plumbing, electrical, and appliances. Includes free roof leak coverage with most plans.

Why It's Cheap: Bundled deals and consistent discounts keep costs low, even with broader coverage.

4. Liberty Home Guard

Best For: Customization and add-on flexibility

• Starting Cost: $49/month
• Service Fee: $65–$125 (varies by state)

What You Get: Plans tailored to your needs with 40+ add-on options like pest control or electronics protection.

Why It's Cheap: Flexible pricing makes it easy to create a budget-friendly plan without overpaying for extras you don’t need.

5. Cinch Home Services

Best For: Appliances-only coverage

• Starting Cost: $35/month
• Service Fee: $100–$150

What You Get: Lower-tier plans cover just appliances, making it a great pick for budget-minded homeowners with newer systems.

Why It's Cheap: Stripped-down plans allow you to protect what matters most without paying for full-system coverage.

Do You Need a Home Warranty?

Not every homeowner needs a warranty, but for many, it’s a smart investment.

When a Home Warranty Makes Sense:

• You own an older home with aging appliances or systems
• You’re a first-time homeowner with little repair experience
• You’re preparing your house for resale and want to attract buyers
• You’ve recently bought a home and want peace of mind post-closing

Key Benefits:

• Avoid paying out-of-pocket for major breakdowns
• Get quick access to pre-screened service technicians
• Cover appliances and systems not included in homeowners' insurance

Going without a warranty can lead to costly surprises. Learn more in our home warranty vs. home insurance guide.

Average Cost of a Home Warranty

The national average cost of a home warranty falls between $40 and $70 per month.

Basic vs. Premium Plans:

• Basic Plans: Typically cover HVAC, plumbing, electrical, and a few appliances
• Premium Plans: Add coverage for things like washer/dryer, garage doors, septic systems, and roof leaks

DIY vs. Warranty Service:

• DIY Repairs: May cost less upfront but lack guarantee or coverage for future breakdowns
• Warranty-Covered Repairs: Include technician dispatch, parts, labor, and re-servicing if something fails again

Factors That Affect Home Warranty Costs

A few variables influence how much you’ll pay each month:

• Home Size and Age: Older homes may need more coverage; larger homes may cost more
• Coverage Level: Plans that include both systems and appliances tend to cost more
• Location: Some states have higher average service fees and monthly rates
• Add-Ons: Pools, spas, sump pumps, and well pumps typically require extra coverage

Compare top-rated home warranty plans to find what fits your budget and home setup.

Benefits of a Home Warranty

A low-cost home warranty can deliver long-term value in several ways:

• Budget Protection: Avoid large repair or replacement bills
• Simplified Repairs: No need to search for contractors—just file a claim
• Peace of Mind: Feel secure knowing your home systems are covered
• Boosts Resale Value: Warranties are attractive to potential buyers
• Stress Reduction: Especially for new or busy homeowners

Limitations of Home Warranties

While helpful, even the best home warranties have limitations.

Common Issues to Watch For:

• Not All Repairs Are Covered: Pre-existing conditions and code violations may be excluded
• Coverage Caps: Some plans limit how much you can claim annually or per item
• Claim Denials: Poor maintenance or incorrect installation may void coverage
• Fine Print: Always review the service agreement carefully to understand what’s truly included

FAQ: Cheapest Home Warranty Companies

1. How Much Is the Cheapest Home Warranty?
The lowest-priced plans start around $35–$44/month, with service fees ranging from $65–$125.

2. Are Cheap Home Warranties Worth It?
Yes—especially if you pick a reputable provider. Affordable plans can still cover major systems and appliances, saving you hundreds in repair costs.

3. What’s the Difference Between a Service Fee and Monthly Premium?
The monthly premium is your regular payment, while the service fee is what you pay per repair visit (like a deductible).

4. Can I Cancel My Warranty Anytime?
Most companies allow cancellations, but early termination fees may apply. Check each provider’s cancellation policy before signing up.

5. Do Home Warranties Cover HVAC and Plumbing?
Yes—most standard plans include HVAC, plumbing, and electrical. Just be sure to confirm what's included in your specific plan.