Home Warranty Blog and Resources

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 Get A Quote 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 Get A Quote 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 Get A Quote 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 Get A Quote 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 Get A Quote 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: 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. Pricing & Service Fees: Make sure the home warranty's cost fits your budget, and understand the service call fees, often from $60 to $125. Exclusions & Limitations: Read the fine print to know what’s not covered. Some warranties exclude pre-existing conditions or have limits on claim payouts. 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.

Home warranties offer reassurance by covering costs for repairs or replacements of major home systems and appliances. But are they really valuable, or are they just a scam? Many homeowners report bad experiences with denied claims, hidden fees, and slow service from providers, while others praise home warranties for saving them money and protecting their vital home systems. This article will break down the truth about home warranties, covering common complaints, warning signs to watch for, and tips to help you avoid scams. What is a Home Warranty? A home warranty is a service contract that helps pay for the repair or replacement of important home systems and appliances when they wear out over time. Unlike homeowners insurance, which protects against damage from disasters, home warranties focus on fixing mechanical failures. What Do Home Warranties Typically Cover? Many home warranties cover the following: Major Home Systems: HVAC, plumbing, and electrical systems Kitchen Appliances: Refrigerators, ovens, dishwashers, and garbage disposals Laundry Appliances: Washers and dryers However, coverage varies by provider, and exclusions may apply. For example, pre-existing conditions and improper maintenance are often not covered. Common Complaints About Home Warranties Many homeowners feel cheated when they find out their home warranty doesn't offer the protection they thought. Here are some common complaints: 1. Claim Denials Homeowners often get frustrated when their claims are denied. Warranty companies may refuse to cover repairs by saying there are pre-existing conditions or that maintenance was not done properly or pointing to loopholes in the contract. 2. Repair Delays Some customers wait weeks or even months for repairs. Warranty companies frequently work with third-party service providers who may be slow to respond or unavailable. 3. Hidden Fees and Limited Coverage While home warranties advertise extensive coverage, the fine print often includes:   Service call fees for each repair request   Coverage limits that restrict payouts   Exclusions for certain parts or types of repairs   4. Aggressive Sales Tactics Some warranty companies use high-pressure sales tactics, like unsolicited calls and misleading letters, pushing customers to act quickly to avoid losing coverage. How to Spot a Home Warranty Scam Not all home warranties are scams, but some companies do use tricky methods. Here are signs to watch for: Unsolicited Offers: Be careful of unexpected calls, emails, or letters urging you to sign up for coverage. Vague or Misleading Contracts: Always read the fine print. If a company won't give you full contract details upfront, that’s a warning sign. Excessive Negative Reviews: Look up online reviews (like those on BestCompany.com!) and complaints with the Better Business Bureau (BBB) before you sign anything. High-Pressure Sales Tactics: Good companies let you take your time to decide without pushing you to make quick choices. How to Avoid Home Warranty Scams To ensure you’re choosing a reputable home warranty provider, follow these steps: 1. Research the Company Check online reviews on sites like BestCompany.com, Trustpilot, and BBB. Look up the company’s history and reputation. Ask for recommendations from friends or real estate professionals. 2. Read the Fine Print Know what is covered and what isn’t. Check service fees, claim limits, and exclusions. Ask about how to cancel and if you can get a refund. 3. Compare Multiple Providers Not all home warranties are the same. Shop around, compare plans, and pick one with clear terms and good customer service. Are Home Warranties Worth It? The need for a home warranty depends on your home's age, how well your appliances work, and your comfort level with paying for repairs yourself. A home warranty can be worth it if: Your appliances are old and often break down. You want to manage repair costs with fixed prices. You pick a trustworthy provider with clear terms. However, if your home is newer or you prefer to save money for repairs, a home warranty may not be needed. The Bottom Line: Are Home Warranties Scams? Home warranties, as a principle, are not a scam. However, there are various untrustworthy home warranty providers, and while home warranties can be helpful, they may not always be worth the cost. Providers may deny claims or charge high fees. To protect yourself, do your research, read the contracts carefully, and be wary of high-pressure sales tactics. If you choose a reliable provider, a home warranty can give you peace of mind, but only if it actually fulfills its promises. Find the Best Home Warranty Compare top-rated home warranty providers to find the right one for you. See Companies Frequently Asked Questions 1. What does a home warranty typically cover? Most plans cover major home systems (HVAC, plumbing, electrical) and essential appliances like refrigerators, ovens, and washers/dryers. 2. How do I know if a home warranty company is legitimate? Check reviews, look for BBB accreditation, and read the full contract before signing. 3. Can I cancel a home warranty contract? Yes, but cancellation policies vary. Some companies may charge a cancellation fee.

When something breaks in your home, the cost of repairs can add up fast. A home warranty promises financial protection against unexpected breakdowns, but is it worth the cost? Some homeowners swear by them, while others feel they’re a waste of money. In this guide, we’ll break down what home warranties cover, when they make sense, and when you might be better off without one. What is a Home Warranty? A home warranty is a service contract that helps cover repairs or replacements for major home systems and appliances. Unlike homeowners’ insurance, which protects against damage from disasters like fires and floods, a home warranty covers normal complications with things like HVAC systems, plumbing, electrical, refrigerators, and ovens. However, home warranties don’t cover everything. All home warranty plans have limitations, exclusions, and service fees that can impact their overall value. Before signing up, it's important to understand exactly what a home warranty includes — and what it doesn’t. When is a Home Warranty Worth It? A home warranty can provide peace of mind and financial security in certain situations. These are a few situations when investing in one may be a smart decision: 1. You Have an Older Home and/or Appliances If your home is several decades old, your appliances and systems are more likely to break down. A home warranty can help you save money by offsetting repair or replacement costs, especially for high-ticket items like HVAC systems or water heaters. 2. You’re a First-Time Homebuyer New homeowners may not have the experience or funds to handle major home repairs. A home warranty can serve as a safety net while they build up an emergency repair fund. 3. You’re Selling Your Home Many sellers purchase a home warranty to make their property more attractive to buyers. A warranty reassures potential buyers that if something goes wrong after purchase, they won’t be stuck with expensive repair bills. 4. You Prefer Predictable Costs Some homeowners like the peace of mind that comes with predictable expenses. Rather than worrying about a sudden $2,000 repair bill, they’d prefer to pay a set annual fee and service call charges. >> Read More: How Much Does a Home Warranty Cost Find the Best Home Warranty See our top home warranty recommendations See Best Companies When is a Home Warranty Not Worth It? While home warranties offer benefits, they aren’t for everyone. Here are some situations where they may not be worth the investment: 1. Your Appliances Are New and Under Warranty If you recently purchased a new home or upgraded appliances, those items likely have manufacturer warranties. A home warranty might be redundant, covering things that are already protected. 2. You Have a Solid Emergency Fund Homeowners who have savings set aside for repairs may find a home warranty unnecessary. Instead of paying annual premiums and service fees, they can use their own funds when needed. 3. You Want Control Over Who Repairs Your Home Most home warranty companies require you to use their network of contractors. If you prefer hiring your own trusted professionals, a home warranty may feel restrictive. 4. You Don't Want to Deal With Coverage Limitations Many homeowners expect full coverage but later realize their policy has numerous exclusions. Items with pre-existing conditions, improper maintenance, or certain parts may not be covered, leading to out-of-pocket costs despite having a warranty. How to Choose a Home Warranty If you're considering a home warranty, it's important to choose the right home warranty provider. Not all home warranties are the same, and choosing the wrong one could become problematic. Here’s what to look for: 1. Compare Coverage Plans Some plans focus on appliances, others cover major systems, and some do both. Ensure that the warranty meets the specific needs of your home. 2. Read the Fine Print Look for exclusions, service fees, and payout limits. Some warranties have strict and hidden rules that could make it difficult to file claims. 3. Check Customer Reviews Researching customer experiences can help you avoid companies with poor service, slow response times, or denied claims. 4. Understand the Service Process Find out how claims are handled, how quickly repairs are completed, and whether you can choose your own contractor. Alternatives to Home Warranties A home warranty isn’t the only way to protect yourself from costly repairs. Here are a few alternatives to consider: 1. Emergency Repair Funds Instead of paying for a home warranty, set aside money for future repairs. A few hundred dollars a year can quickly add up, giving you full control over how and when repairs are done. 2. Manufacturer Warranties and Extended Coverage Many appliances and systems come with their own manufacturer's warranties. Some brands also offer extended coverage for an additional fee, often at a lower cost than a home warranty. 3. Homeowners' Insurance Add-On Policies Insurance usually does not cover normal wear and tear. However, some policies offer optional coverage for mechanical failures. Contact your provider to see what options they have available. Real-Life Experiences and Testimonials Home warranty experiences vary widely. Some homeowners find them incredibly useful and worthwhile, while others find them a waste of money and regret purchasing one. However, it’s important to remember that many people are more likely to post a review if they have a bad experience rather than a good or neutral one. Positive Experience Sandra in Florida had her water heater suddenly stop working. She called her home warranty company, and they had someone come out to repair her system the next day. She said the contractor was very knowledgeable and fixed the problem that morning. Negative Experience Mike from California's dishwasher broke, but his home warranty company denied his claim because they said there were "pre-existing issues." Mike didn't know about these issues before the dishwasher broke. After paying a service fee, he still had to pay for the repairs himself. The Bottom Line: Is a Home Warranty Worth It? It can be. But it also may not be. Whether a home warranty is worth it depends on your home, financial situation, and personal preferences. A home warranty can be worth it if you have an older home or appliances, want predictable repair costs, or are buying/selling a property. It may not be necessary if you have newer appliances, prefer hiring your own contractors, or have a solid emergency fund. Before purchasing a home warranty, weigh the pros and cons carefully. Research providers, read customer reviews, and make sure the coverage matches your needs. If a warranty offers peace of mind and financial protection, it may be a smart investment. Otherwise, saving for repairs on your own might be the better choice. Find the Best Home Warranty See top-rated home warranty providers View Companies

2-10 Home Buyers Warranty (2-10 HBW) has been a trusted name in home warranties for over 40 years, protecting over 6 million homes. It offers a variety of plans for homeowners, real estate professionals, and builders, but is this home warranty worth it? Keep reading to learn what this company offers to determine if 2-10 HBW is the right choice for you. On This Page: What We Think Pros & Cons Plan Details & Pricing Claims & Service Process Real Estate & Builder Warranty Plans Coverage Limitations & Exclusions The Bottom Line   What We Think 2-10 Home Buyers Warranty offers affordable and flexible plans with unique features, making it a solid option for those looking for a home warranty. While their prices are competitive, some customers have pointed out that the service fees can be relatively high and that certain claims may be denied. However, if you’re in the market for a flexible and budget-friendly home warranty under an established company, we think 2-10 is worth considering. >> Related: How to Choose the Best Home Warranty Pros & Cons Pros Affordable plans starting at $27/month Three plan options Wide range of add-ons 24/7 claim submission “Even-If” Service Fee Guarantee Real estate and builder-specific warranty plans Cons Higher service call fees ($65–$100) than some competitors Customer complaints about long repair times and denied claims Coverage limits apply, with a $25,000 max payout annually Plan Details & Pricing 2-10 Home Buyers Warranty Plans 2-10 Home Warranty offers three primary home warranty plans covering major home appliances and systems: Simply Kitchen, Complete Home, and Pinnacle Home. Here’s what each of these plans cover: Covered Items Simply Kitchen Complete Home Pinnacle Home Heating No Yes Yes Cooling No Yes Yes Plumbing No Yes Yes Electrical No Yes Yes Washer/dryer No Yes Yes Built-in microwave Yes Yes Yes Dishwasher Yes Yes Yes Range/oven/cooktop Yes Yes Yes Refrigerator Yes Yes Yes Supreme coverage* No No Yes *Supreme coverage enhances protection for appliances, heating/cooling, plumbing, and electrical systems (availability varies by plan and ZIP code). Plan Pricing Simply Kitchen Plan: Starts at $27/month. Complete Home Plan: Starts at $47/month Pinnacle Home Plan: Starts at $61/month Compared to other top home warranty providers, 2-10 HBW’s pricing is competitive, as most companies start plans around $45/month.  >> Related: How Much Does a Home Warranty Cost? Add-On Coverage To customize your plan, 2-10 HBW offers several add-on options, including: Additional refrigerator Septic system Well pump Plumbing and electrical Garage door opener Extended pipe leak Pool/spa equipment Roof leak coverage Water softener Additionally, customers can select special packages for more extensive coverage: Supreme Package: Expanded coverage for major home systems and appliances (options vary by plan and zip code). Included in the Pinnacle Home plan. Luxury Package: Increases dollar limits to $5,000 per appliance/system HVAC Surplus: Extra coverage for heating and air conditioning systems Pre-Season HVAC Tune-Up: A 28-point tune-up and inspection option Service Fee Options: Adjust service fees lower or higher depending on your preference. Unique Benefits 2-10 HBW offers several unique perks: Appliance Color Matching: Ensures new appliances match the existing ones, where possible Appliance Replacement Offer: If a covered appliance breaks down, 2-10 may reimburse you up to $150 toward a new appliance instead of a repair Appliance Discount Program: Exclusive discounts on GE and Whirlpool appliances Claims & Service Process 24/7 Claim Submission Customers can file claims online 24/7 through the Homeowner Portal or via phone. A licensed service contractor will be dispatched to diagnose and repair the issue. Service Fees 2-10 HBW service fees range from $65 - $100. You can opt for a higher monthly premium for a lower service fee or a lower monthly premium for higher service fees. Exclusive "Even-If" Service Fee Guarantee 2-10 HBW offers a unique protection for service fees: If a claim is denied, you can request reimbursement of the service fee If a covered part fails again, no additional service fee will be charged Contractor Options Unlike some home warranty providers, 2-10 HBW allows direct contact with service contractors. If an in-network contractor isn’t available, you can hire your own, but 2-10 will only reimburse what would have been paid for an in-network provider. 30-Day Money-Back Guarantee Coverage begins on the Effective Date, which may be up to 30 days from the date of purchase. A full refund will be issued if you cancel before the Effective Date. After that, fees will be deducted from your refund. While this allows you to cancel during the 30-day waiting period before your warranty coverage begins, a full refund is not available once it starts. The following restrictions may apply: If you cancel up to 30 days after the effective date, you are eligible for a refund but are responsible for paying a $75 processing fee and any amount the provider paid for service. If you cancel more than 30 days after the effective date, you will receive a pro-rata refund for the remaining unused portion of the contract, less any amounts the company paid for service and the $75 processing fee. Real Estate & Builder Warranty Plans Real Estate Warranty Plans Designed for home buyers and sellers, these plans must be purchased through a real estate professional. Seller Coverage: Free protection for heating, plumbing, and electrical systems (excluding Florida*). Sellers can opt into additional coverage for air conditioning and heat pumps for $50 Buyer Coverage: Includes Happy Home Lock & Hardware program ($100 for rekeying/new locks) *Seller coverage in Florida costs $60 and includes air conditioning and heat pump coverage. Builder Warranty Plans 2-10 HBW is a leader in structural warranties for home builders. 2-10 builders’ warranty coverage options include: Workmanship*, distribution systems**, and structural warranty*** Structural-only warranty Builder Backed Service Program (BBSP) warranties COVE warranties New modular or manufactured home warranty * Workmanship warranty: 1 year; covers cabinets, countertops, hardwood floors, drywall, etc. ** Distribution systems warranty: 2 years; covers piping, ductwork, and electrical wiring *** Structural warranty: 10 years; covers load-bearing walls, foundations, beams, etc. Additional builder services include: Claims administration Flexible warranty terms Shared risk options Grandfathering Modular home warranty Manufactured home warranty Coverage Limitations and Exclusions As with any home warranty, 2-10 Home Buyers Warranty has its fair share of limitations. Liability Exclusions 2-10 excludes coverage for failures caused by: Neglect Misuse Missing parts Improper maintenance Environmental factors (e.g. flooding or storms) External forces (e.g. pests or animals) Other Restrictions Various other restrictions apply, and the following items (but not limited to these) are not eligible for coverage under a standard plan: Commercial or professional-grade items Duplicate appliances Strictly cosmetic repairs Portable appliances Duplicate appliances Appliances not in the primary kitchen Stand-alone freezers Garbage disposals Aggregate Limits 2-10 HBW has an annual aggregate limit of $25,000 for covered systems and appliances. Individual caps also apply for certain types of repairs. The Bottom Line Is 2-10 Home Buyers Warranty Worth It? It may be. Whether 2-10 HBW is the right choice comes down to what you value most in a home warranty. If affordability and flexible plans matter to you, 2-10 HBW is a good option, with plans starting at just $27 per month. However, the company isn’t without its drawbacks. Customer feedback is mixed; some commend the quick service and good technicians, while others report issues with denied claims and slow response times. These issues aren’t uncommon in the home warranty industry but are worth considering before signing up. Ultimately, 2-10 HBW could be a good fit if you’re looking for cost-effective coverage with solid repair guarantees but always make sure to thoroughly review the service agreement, understand coverage limitations, and consider customer experiences.

A home warranty can provide peace of mind by covering unexpected repairs or replacements of major home systems and appliances. Choice Home Warranty is one of the most popular home warranty providers in the industry, offering two straightforward plans: the Basic Plan, costing between $45-50 monthly or $530-$500 annually, and the Total Plan, costing between $50-$55 monthly or $600-$690 annually. This guide breaks down Choice Home Warranty pricing, coverage options, service fees, and how it compares to other home warranty providers. Choice Home Warranty Plans and Pricing Choice Home Warranty offers two plan options, each with its own pricing structure: Basic Plan – Covers standard home systems and appliances such as plumbing, electrical, heating, and select kitchen appliances. Total Plan – Includes everything in the Basic Plan plus additional high-value appliances like air conditioning systems, refrigerators, and washers/dryers. Monthly and Annual Costs The cost of a Choice Home Warranty plan varies based on your location and selected coverage. However, general pricing ranges include: Plan Type Monthly Cost Annual Cost Basic Plan $45–$50 $530–$600 Total Plan $50–$55 $600–$690 Pricing varies depending on state, promotions, and optional add-ons. Service Call Fees In addition to the monthly or annual premium, homeowners must pay a service call fee whenever they file a claim and a technician is dispatched. Choice Home Warranty’s standard service fee is $85 per visit. This fee is comparable to other home warranty providers, though some competitors offer flexible service fee options that range from $75 to $125, depending on the plan. Choice Home Warranty's pricing falls within the typical range for home warranty plans, but costs can vary based on coverage, location, and optional add-ons. To get a better idea of how home warranty pricing compares across different providers, check out this guide on home warranty costs. Get a Choice Home Warranty Quote Connect with Choice Home Warranty to get a quote on your home warranty plan. Get Quotes What’s Covered Under Choice Home Warranty Plans? Choice Home Warranty offers coverage for a variety of major home systems and appliances. Here’s a breakdown of what each plan covers: Basic Plan Coverage Heating system Electrical system Plumbing system Water heater Whirlpool bathtub Oven, range, or cooktop Dishwasher Built-in microwave Garbage disposal Ceiling and exhaust fans Total Plan Coverage Includes everything in the Basic Plan, plus the following: Air conditioning system Refrigerator Washer Dryer >> Read More: Best Home Warranty for HVAC Systems Optional Add-Ons Choice Home Warranty also offers optional coverage for an additional fee, including: Pool and spa Well pump Septic system Roof leaks Additional refrigerators or standalone freezers Coverage Limits and Exclusions While a home warranty can provide financial protection, it’s important to understand the coverage limits and exclusions of Choice Home Warranty plans. Coverage Caps Most covered appliances and systems have a maximum coverage limit of $3,000 per claim. Some items, like plumbing and electrical systems, may have lower limits of $500 per claim. Exclusions Pre-existing conditions, whether known or unknown, are not covered. Items that are improperly installed or maintained may be denied coverage. Cosmetic issues, routine maintenance, and non-mechanical components (like shelving inside a refrigerator) are typically excluded. How Choice Home Warranty Compares to Other Providers When choosing a home warranty, it’s helpful to compare pricing and coverage options with other leading providers. Company Monthly Cost Service Fee Coverage Cap Choice Home Warranty $45–$55 $85 $3,000 per claim American Home Shield $50–$80 $75–$125 $5,000 per claim Select Home Warranty $44–$48 $60–$75 $2,000 per claim 2-10 Home Buyers Warranty $47–$60 $85–$125 Varies by system While Choice Home Warranty offers affordable pricing, competitors like American Home Shield provide higher coverage caps, which may be beneficial for homeowners with high-value appliances. However, Choice Home Warranty’s straightforward plans and flat-rate service fee make it a solid choice for budget-conscious homeowners. Is Choice Home Warranty Worth It? Choice Home Warranty can be worthwhile for homeowners looking to protect themselves from expensive repairs. With monthly premiums ranging from $45 to $55 and a $85 service fee, it provides solid value for those who want predictable home repair costs. However, homeowners should carefully review coverage limits and exclusions before purchasing a plan. If you need higher coverage caps or more flexible service fees, another provider may be a better fit. If you’re still unsure whether Choice Home Warranty is the right option for you, check out this guide on how to choose the best home warranty for a detailed comparison of key factors to consider. Get a Choice Home Warranty Quote Connect with Choice Home Warranty to get a quote on your home warranty plan. Get Quotes Final Thoughts A Choice Home Warranty plan can help cover the cost of unexpected repairs, but understanding pricing, coverage, and service fees is essential. Before choosing a plan, compare different providers and read the fine print to ensure the plan meets your needs. For more information, visit Choice Home Warranty’s review page to read real customer experiences and ratings.

Choosing the best home warranty provider is a crucial step in protecting your home’s essential systems and appliances. With so many providers on the market, it can be overwhelming to determine which one offers the best value and coverage for your specific needs. Here are some essential considerations and tips to help you select the right home warranty provider. Understand What a Home Warranty Covers A home warranty is designed to provide financial protection for unexpected repairs or replacements of covered home systems and appliances. However, coverage varies significantly between providers. Start by reviewing what a typical home warranty includes, such as: Major appliances like refrigerators, ovens, and washers/dryers. Key systems such as HVAC, electrical, and plumbing. Some providers also offer optional add-ons for items like pools, septic systems, or additional refrigerators.  Make sure to read the fine print to understand what’s covered and what’s excluded. Assess Your Needs Before choosing a provider, take stock of your home’s systems and appliances. Consider the following: Age of your appliances and systems: Older items may be more prone to breakdowns and require comprehensive coverage. Size of your home: Larger homes may need plans that include coverage for multiple systems or additional units. Your budget: Determine how much you can afford for monthly premiums and service fees. Find Local Home Warranty Companies Connect with local home warranty companies in your area. Compare Companies Research Providers’ Reputation A provider’s reputation can offer valuable insights into their reliability and customer service quality, helping you to avoid home warranty scams. Look for reviews and testimonials from other homeowners. Key factors to consider include: Responsiveness: How quickly does the provider handle claims? Customer support: Is the customer service team helpful and easy to reach? Contractor network: Does the provider work with qualified, reputable contractors? Compare Coverage Options Not all home warranty providers offer the same coverage. Carefully compare the plans offered by different companies, paying close attention to: Items covered: Ensure the provider covers all the appliances and systems you’re concerned about. Limits of liability: Check the maximum payout amounts for repairs or replacements. Add-on options: Consider whether the provider offers additional coverage for items unique to your home, like pool/spa, well pump, or septic system coverage. Evaluate Costs Home warranty costs typically include a monthly or annual premium and a service fee per claim. When evaluating costs, consider: The balance between premiums and service fees: Lower premiums often mean higher service fees, and vice versa. Coverage value: A slightly higher premium may be worth it if the coverage is comprehensive and the payout limits are generous. Discounts: Some providers offer discounts for new homeowners, annual payments, or bundling with other services. Understand the Claims Process The efficiency of a provider’s claims process can make or break your experience. Look for a provider with a straightforward and transparent claims process. Key questions to ask include: How do you file a claim? (Online, phone, or app-based?) How quickly are claims processed? What is the average turnaround time for repairs or replacements? Check for Hidden Fees and Exclusions Some providers may have hidden fees or exclusions that could limit the value of their plans. For example: Are there additional fees for service calls or emergency repairs? Does the provider deny coverage for pre-existing conditions? Are there specific maintenance requirements to maintain coverage? Always read the terms and conditions thoroughly before signing up. Look for Customization Options A one-size-fits-all approach may not work for every homeowner. Look for providers that offer flexible plans or allow you to customize coverage based on your needs. This ensures you’re not paying for coverage you don’t need. Consider Customer Service Availability Reliable customer service is essential, especially when dealing with urgent repairs. Check if the provider offers: 24/7 customer support Multiple contact methods (phone, email, chat) A dedicated claims representative Providers with excellent customer service can make the process smoother and less stressful. Review Contract Terms Before committing to a home warranty provider, carefully review the contract terms. Pay attention to: Contract length: Is the plan annual or multi-year? Cancellation policies: Are there penalties or fees for canceling? Renewal terms: Does the provider automatically renew the plan, and under what conditions? Tips for Choosing the Best Home Warranty Provider Ask for Recommendations: Friends, family, or neighbors may have personal experiences with home warranty providers that can help guide your decision. Request Quotes: Get quotes from multiple providers to compare costs and coverage. Check for Accreditation: Providers accredited by the BBB or other industry organizations are more likely to meet high standards. Read Reviews: Online reviews can highlight common complaints or praises for specific providers. Find Local Home Warranty Companies Connect with local home warranty companies in your area. Compare Companies Why Choosing the Right Provider Matters Selecting the best home warranty provider can save you money, time, and stress when unexpected breakdowns occur. By thoroughly evaluating your options and understanding your needs, you can choose a provider that delivers reliable coverage and exceptional service. Finding the best home warranty provider requires careful research and consideration. By understanding your home’s unique needs, comparing providers’ offerings, and evaluating costs and reputation, you can make an informed decision that provides peace of mind and financial protection for your home. Remember, the right provider isn’t just about cost—it’s about finding a partner you can trust when it matters most.

A home warranty is a service contract that helps homeowners cover the costs of repairing or replacing major home systems and appliances when they break down due to normal wear and tear. Unlike homeowners insurance, which typically covers unexpected disasters like fires or theft, a home warranty focuses on protecting essential home components. Home warranty costs vary based on factors like the level of coverage, the size and age of the home, and geographic location.  Homeowners can generally expect to pay between $420 and $720 annually for a standard home warranty plan, which translates to approximately $35 to $60 per month. Comprehensive coverage and add-ons for items like pools or spas can increase these costs. This guide breaks down the factors influencing home warranty costs, as well as different pricing tiers based on the type of coverage you choose.  Average Home Warranty Cost Per Month Home warranty providers typically offer several tiers of coverage, allowing homeowners to choose plans based on their needs and budget. Monthly premiums for these plans usually fall within the range of $35 to $100. Basic plans that cover only appliances or home systems tend to be at the lower end, while more comprehensive plans that include both systems and appliances are often at the higher end.  Plan Type Monthly Cost Range Basic Appliance Plan $35 to $60 Systems-Only Plan $40 to $70 Comprehensive Coverage $50 to $100 A standard plan often covers the most essential systems, with coverage for HVAC, plumbing, and electrical, and major appliances like refrigerators, dishwashers, and ovens. For full protection, a comprehensive plan that covers both systems and appliances is recommended, especially for homeowners with older homes or multiple high-use appliances. Home Warranty Cost by Coverage Type  Different home warranty plans cater to various needs, depending on whether you want to cover only specific systems, appliances, or both. Here’s a look at typical costs associated with each type of plan:  Appliance Plans: These plans cover major household appliances, such as refrigerators, dishwashers, ovens, and washers/dryers. Monthly premiums generally range from $35 to $60, making it an affordable option for homeowners focused primarily on appliance coverage. Systems Plans: This option focuses on home systems like HVAC, plumbing, and electrical. Monthly costs for these plans are typically between $40 and $70. Homeowners with older HVAC or plumbing systems may find these plans beneficial. Comprehensive Plans: Comprehensive plans offer protection for both systems and appliances, providing the highest level of coverage available. Monthly premiums range from $50 to $100, offering peace of mind that most repairs and replacements will be covered under one contract. Additional Costs to Consider Beyond the monthly or annual premiums, homeowners should factor in service call fees and optional add-ons when considering the total cost of a home warranty. Service Call Fees: Each time you request service for a repair or replacement, a technician is dispatched, and a fee is charged. These service call fees typically range from $75 to $125 per visit, depending on the provider. Some companies offer lower service fees with higher monthly premiums, so homeowners can choose a plan that suits their budget and repair frequency. Optional Add-Ons: Many home warranty providers offer coverage extensions for items like pools, spas, or additional refrigerators. Adding these items to your plan usually costs an extra $10 to $25 per month per item. Homeowners with unique or high-use features may benefit from customizing their coverage in this way.  Factors Influencing Home Warranty Costs  Several factors affect the cost of a home warranty, and understanding them can help you select the most cost-effective plan for your needs:  Home Size and Age: Larger or older homes tend to incur higher premiums due to the greater likelihood of system or appliance failures. Homes with more appliances or larger HVAC systems generally require more coverage, which can increase costs. Location: Geographic location plays a role in pricing, as regional differences in labor and material costs can affect what providers charge. For example, areas with higher living costs may have higher warranty premiums. Coverage Limits and Caps: Each home warranty plan typically comes with coverage limits, which determine the maximum amount the warranty provider will pay for a repair or replacement. Plans with higher payout caps or more extensive coverage come with higher premiums, but they offer added peace of mind for costly repairs. Level of Customization: Some providers allow homeowners to customize their plans with optional add-ons, affecting the total cost. Customization options may include coverage for specific appliances, pools, hot tubs, or guest houses. Custom plans provide targeted protection but often come at a premium.  Home Warranty Costs by Brand When considering home warranty options, some popular brands offer a range of plans with varying costs and features. Here’s a comparison of three top home warranty companies, including their typical cost ranges, standout features, and unique benefits.  American Home Shield (AHS)  American Home Shield specializes in flexible, customizable home warranty plans that allow homeowners to select specific systems and appliances for coverage. AHS offers three main plans, with options for additional add-ons to broaden coverage. The typical cost for AHS ranges between $40 to $65 per month. Known for its comprehensive warranties, AHS includes a 30-day workmanship guarantee on repairs, providing added peace of mind. For homeowners seeking tailored coverage, the annual cost typically falls between $480 and $780.  Explore reviews from real homeowners on American Home Shield's services. Choice Home Warranty Choice Home Warranty offers straightforward, affordable plans with essential coverage options. Known for competitive rates, Choice provides both Basic and Total Plans, covering key systems and appliances. Costs for Choice Home Warranty range from $35 to $60 per month. For a plan that includes comprehensive coverage, the typical annual cost is $420 to $720. Each plan includes a 30-day guarantee on repairs, and the company utilizes a network of licensed professionals for servicing. Explore reviews from real homeowners on Choice Home Warranty's services. Select Home Warranty Select Home Warranty stands out for its affordable pricing and additional roof leak coverage, included at no extra charge in its standard plans. The company offers three plan options: Bronze (appliances), Gold (systems), and Platinum (both systems and appliances), allowing homeowners to choose based on their needs. Typical monthly costs for Select Home Warranty range from $36 to $63, with annual expenses around $432 to $756. Select also offers discounts for annual payments, adding extra value to its plans.  Explore reviews from real homeowners on Choice Home Warranty's services. Is a Home Warranty Worth the Investment?  Investing in a home warranty can offer significant peace of mind by reducing unexpected repair and replacement costs. For a relatively low monthly fee, a home warranty can help you save money, protecting you from potentially high out-of-pocket expenses if major appliances or systems break down. However, it’s essential to assess the specific coverage details, exclusions, and limitations of any plan before committing to ensure it aligns with your home’s needs and financial goals.  For homeowners with older homes or high-use appliances, a home warranty can be worth it. Newer homes may not benefit as much, especially if appliances and systems are still under the manufacturer’s warranty. As with any investment, compare quotes from multiple providers and review contract terms carefully to find the best value. The Bottom Line  Home warranty costs vary based on the coverage type, plan customizations, and other factors such as home size and location. On average, monthly premiums range from $35 to $100, depending on the plan selected. For most homeowners, a basic plan starts around $420 per year while comprehensive plans can go up to $1,200 annually with added service call fees and optional coverage for unique items like pools or spas.  When evaluating home warranty plans, consider both your budget and the age and condition of your home systems and appliances. Comparing options from top-rated providers and factoring in potential savings on repair costs can help you decide if a home warranty is right for you. 

Heating, Ventilation, and Air Conditioning (HVAC) systems are important for keeping indoor spaces comfortable. They help control temperature, humidity, and air quality in homes, offices, and factories. HVAC systems provide warmth in winter, cool air in summer, and proper ventilation all year, which improves health and productivity. Modern HVAC technology is more energy-efficient, lowering costs and environmental impact. However, HVAC systems can be costly to repair or replace, making a home warranty a smart investment. Home warranties for HVAC systems help protect you from unexpected repair or replacement costs, extend the system’s lifespan, and ensure you stay comfortable.   Our picks for the best home warranty companies for HVAC are: Choice Home Warranty: Best for Affordable Basic Coverage American Home Shield (AHS): Best for Coverage of Pre-Existing Conditions First American Home Warranty: Best for High HVAC Coverage Limits Liberty Home Guard: Best for Multiple AC Systems Elite Home Warranty: Best for Flexible Plans Do Home Warranties Cover HVAC Systems? Yes, many home warranty providers offer coverage for HVAC systems, but typically only with higher-tier plan options. Some providers also offer optional add-ons to enhance the protection of a plan.  Home warranties for HVAC can help protect homeowners from costly repairs due to breakdowns or malfunctions. However, coverage differs between providers, so it's important to thoroughly review the warranty terms before buying. Top Home Warranty Companies for HVAC Systems 1. Choice Home Warranty Best for Affordable Basic Coverage Choice Home Warranty is a budget-friendly option that provides comprehensive HVAC coverage as part of its Total Plan but also offers coverage for heating and ductwork in its Basic Plan. The company offers 24/7 customer support and a large network of service professionals to ensure quick repairs. However, coverage is not available for refrigerant, window units, portable units, grills, or registers. Plan Cost and HVAC Coverage Details: Choice Home Warranty offers two primary plans: Basic Plan: Approx. $46 per month. Includes coverage for heating and ductwork. Total Plan: Approx. $57 per month. Covers heating, air conditioning, and ductwork. Service Fee: $100 per claim. State Availability: Services are available in 48 states, excluding California and Washington. Coverage Caps: Coverage limits can reach up to $3,000 per covered item. Choice Home Warranty Get A Quote 2. American Home Shield (AHS) Best for Coverage of Pre-Existing Conditions American Home Shield offers coverage on unknown pre-existing conditions, making it a great choice for homeowners with older HVAC systems. AHS has customizable plans, allowing customers to select specific coverage for their needs. The company also provides higher coverage limits for HVAC repairs and replacements compared to many competitors. Plan Cost and HVAC Coverage Details: AHS offers three plans: ShieldSilver: Starting at $20 per month. Covers heating, air conditioning, and ductwork. ShieldGold: Starting at $40 per month. Covers heating, air conditioning, and ductwork. ShieldPlatinum: Starting at $70 per month. Covers heating, air conditioning, and ductwork. Includes a free annual HVAC tune-up and unlimited AC refrigerant. Service Fee: Customers can choose between $100 or $125 per service call. State Availability: Available in 48 states, excluding Alaska and Hawaii. Plans with HVAC Coverage: All three plans—ShieldSilver, ShieldGold, and ShieldPlatinum—include HVAC system coverage. Coverage Caps: Up to $5,000 per covered HVAC system.   American Home Shield Get A Quote 3. First American Home Warranty Best for High HVAC Coverage Limits First American Home Warranty offers some of the highest coverage limits for HVAC repairs, making it a strong choice for homeowners with expensive or new HVAC systems. Plan Cost and HVAC Coverage Details: First American offers three plans: Starter Plan: Approx. $48 per month on average. Covers heating and ductwork. Essential Plan: Approx. $60 per month on average. Covers heating, ductwork, and air conditioning systems. Premium Plan: Approx. $80 per month on average. Covers heating, ductwork, air conditioning systems, window units, and additional HVAC components. Includes two seasonal HVAC tune-ups. Service Fee: $100 or $125 per service call. State Availability: Available in 35 states and Washington, D.C. Coverage is NOT available in the following states: Alaska, Connecticut, Delaware, Hawaii, Indiana, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin. Coverage Caps: No limit for covered HVAC systems First American Home Warranty Get A Quote   4. Liberty Home Guard Best for Multiple AC Systems Liberty Home Guard is one of the most flexible home warranty providers, offering add-on coverage for multiple air conditioning systems — ideal for larger homes or properties with multiple HVAC units. The company also has high customer satisfaction ratings, thanks to fast claim processing and excellent customer service. Plan Cost and HVAC Coverage Details: Liberty offers three main plans: Appliance Guard: Starting at $50 per month. No HVAC coverage. System Guard: Starting at $55 per month. Covers two AC systems, heating, and ductwork. Includes coverage for heating system parts, registers, and grills. Total Home Guard: Starting at $60 per month. Covers two AC systems, heating, and ductwork. Includes coverage for heating system parts, registers, and grills. Service Fee: Typically ranges from $60 to $125 per claim. State Availability: Services are available in 48 states. Plans with HVAC Coverage: HVAC coverage is available on the System Guard and Total Home Guard plans. Coverage Caps: $2,000 per covered system. Liberty Home Guard Get A Quote 5. Elite Home Warranty Best for Flexible Plans Elite Home Warranty offers some of the most customizable plans, allowing homeowners to choose which HVAC components they want covered and to what level. However, they have various coverage limitations, so make sure to review your service contract carefully. Plan Cost and HVAC Coverage Details: Elite offers three standard plans: Elite Appliances: Starting at $45 per month. No HVAC coverage. Elite Systems: Starting at $50 per month. Covers heating, ductwork, and air conditioning. Elite Complete: Starting at $60 per month. Covers heating, ductwork, and air conditioning. Service Fee: $70 per service call. State Availability: Available in 48 states. Plans with HVAC Coverage: The Elite Systems and Elite Complete plans offer HVAC coverage. Add-ons are also available for greater coverage. Coverage Caps: Up to $5,000 per covered system under standard plan limits. Optional add-ons can be purchased to increase the coverage limit. Elite Home Warranty Get A Quote Cost of a Home Warranty for HVAC On average, a home warranty costs between $35 and $80 per month. The cost varies depending on factors like the company, your location, any add-ons you choose, and your plan tier. Additionally, service fees apply for most companies, typically between $60 and $100 per claim. How to Choose the Right Home Warranty for Your HVAC System Choosing the right home warranty for your HVAC system is important. Not all home warranties provide the same coverage; they differ in terms, costs, and service quality. To avoid surprise costs and keep your heating and cooling system running well, consider key factors like coverage details, cost, customer service, and policy limits. Here are the most important points to think about when selecting an HVAC home warranty. 1. Assess Your HVAC System   Look at the age, condition, and maintenance history of your HVAC system. Many home warranty providers don’t cover existing problems or poorly maintained systems. Make sure your HVAC unit is in good shape to avoid problems with claims. Older systems may have different coverage limits or need extra checks for warranty protection. 2. Compare Plans and Coverage Not all home warranty plans offer full HVAC coverage. Some might cover only heating or only cooling. When comparing plans, consider:   Coverage for major parts like the furnace, air conditioner, heat pump, ductwork, and ventilation.   Exclusions and limits, like restrictions on refrigerant replacement or ductwork repairs.   Whether the warranty covers parts and labor or just some repair costs.   A systems-only plan can save money if you only want HVAC coverage. A full home warranty may offer better value by covering appliances too. 3. Look at Service Fees and Coverage Limits Home warranties usually charge a service fee for each claim, typically between $60 and $125 per visit. Some plans also have coverage limits, meaning the provider will only pay a set amount for HVAC repairs each year. Consider:   The maximum amount the provider pays for HVAC repairs.   Any limits per claim or annual caps.   If the service fee makes sense compared to repair costs.   Choosing a plan with a higher coverage cap helps you avoid high out-of-pocket costs. 4. Check Reviews and Company Reputation A home warranty is only as good as the company behind it. Read customer reviews to learn about real experiences, including:   Claim approval rates: Does the company approve most claims, or do many customers report issues?   Response times: How fast does the company send technicians for repairs?   Quality of service: Does the company hire qualified HVAC technicians?   Look at review sites like BestCompany.com, Trustpilot, and the Better Business Bureau (BBB) to check a provider’s reliability before signing. 5. Understand Contract Terms and Cancellation Policies Before you choose a home warranty, read the fine print. Many homeowners are surprised by exclusions, waiting times, and service limits. Key things to check include:   Waiting periods: Some warranties have a 30-day wait before coverage starts.   Cancellation terms: Are there penalties for canceling your plan early? Some companies offer partial refunds, while others have cancellation fees.   Renewal policies: Does the company automatically renew your contract, and can you opt out easily? 6. Look for Extra Benefits Some home warranty companies offer additional perks that can make your plan more valuable, such as:   Seasonal HVAC tune-ups to keep your system running well.  Discounts on energy-efficient HVAC upgrades or repairs.   Transferable warranties if you sell your home, which can attract buyers. 7. Get Quotes and Compare Prices Affordability is important, but the cheapest option isn’t always the best. Request quotes from several providers and compare what you get for the price. Consider:   Monthly or yearly premiums.   Service visit fees.   Coverage limits for HVAC repairs.   Extra costs for add-on coverage, like geothermal heating and cooling systems.   By evaluating these factors, you can find a home warranty plan that offers reliable HVAC coverage, reduces surprise costs, and keeps your home comfortable throughout the year. The Bottom Line A home warranty for HVAC systems gives homeowners peace of mind, financial protection, and convenience. Companies like Choice Home Warranty, American Home Shield, and First American offer different plans to meet various needs and budgets. Before choosing a warranty, compare providers, check what is not covered, and think about your HVAC system's needs. Investing in the right home warranty helps keep your home comfortable and can prevent costly surprises later on. Frequently Asked Questions Is an HVAC home warranty worth it? An HVAC home warranty can be worth it. Maintaining HVAC systems can get expensive, and a home warranty can help offset those repair and replacement costs. Do home warranties cover pre-existing HVAC issues? Some do, but policies vary. Always check terms before purchasing. Can I get coverage for an older HVAC system? Many providers cover systems regardless of age, but some providers have lower coverage limits for systems over a certain age. What’s the typical service fee for an HVAC repair? Usually between $60 and $125 per claim.

A home warranty can be a lifesaver when major home systems break down, including your septic system. With approximately 25% of American homes relying on septic systems, these homeowners face additional maintenance and repair challenges. A septic system failure can lead to repair costs ranging from $5,000 to $30,000, making a home warranty with septic coverage a valuable investment. But do home warranties actually cover septic systems? Yes, but with limitations. This guide explores the best home warranties for septic systems, their costs, coverage details, and key factors homeowners should consider before choosing a home warranty plan. Jump to the best home warranties for septic systems What is a Septic System? A septic system is an underground wastewater treatment structure commonly used in homes that are not connected to a city's sewer system. It treats and disposes of household wastewater by separating solids from liquids and allowing water to be filtered naturally into the soil. A typical septic system consists of the following components: Septic Tank: A watertight underground container that holds wastewater long enough for solids to settle at the bottom (sludge) and oils/grease to float to the top (scum). Effluent Pump: Moves liquid waste (effluent) from the septic tank to the drain field when gravity alone is insufficient. Drain Field (Leach Field): A network of perforated pipes buried in gravel-filled trenches that allows treated wastewater to slowly seep into the surrounding soil. Baffles and Filters: Direct wastewater flow inside the tank and prevent solids from entering the drain field. Distribution Box: Distributes wastewater evenly across the drain field. Proper maintenance, including regular pumping and inspections, helps ensure the system functions efficiently and avoids costly failures. Do Home Warranties Cover Septic Systems? Not all home warranty plans automatically include septic system coverage. Many providers offer septic system protection as an optional add-on, which homeowners must purchase separately. What’s Typically Covered? A home warranty for septic systems may cover: Septic tank pumps (including aerobic, jet, sump pumps, or sewage ejector pumps) Effluent pumps Septic system pumping Minor repairs to covered septic tank components What’s Not Covered? Most home warranties exclude: Septic tank replacements Pre-existing damage or lack of proper maintenance Before purchasing a plan, always review the contract carefully to understand coverage limits and exclusions. Best Home Warranty Companies for Septic System Coverage Not all home warranty companies offer septic coverage, and those that do vary in terms of cost, limits, and reliability. Most septic home warranty add-ons cost between $5 and $15 per month. Here are some of the best options: First American Home Warranty What We Like: Septic system add-on coverage is inexpensive, only costing $7.08 per month, and provides a one-time septic pumping. The Premium plan offers comprehensive coverage for more appliances and systems than most home warranties. What We Don’t Like: First American is only available in 36 states, and even its most basic plan is more expensive than some companies’ higher-tier plans. Coverage: Septic ejector pump, jet pump, aerobic pump, septic tank line, one-time septic pumping Coverage limit: Up to $500 per term First American Home Warranty Get A Quote Liberty Home Guard What We Like: Liberty Home Guard has an extensive list of optional add-ons, so its coverage is very customizable. It’s also available in all 50 states and Washington, D.C. What We Don’t Like: The coverage limit is lower than with some companies, at a max of $2,000 per item per term for most things and a limit of $500 for all plumbing, electrical systems, and add-ons. Coverage: Septic pumping, pump repairs, pipe and line repairs, drain field, septic tank Coverage limit: Up to $500 per term Liberty Home Guard Get A Quote Choice Home Warranty What We Like: The highest-tier plan is less expensive than many providers and offers pretty comprehensive coverage. The septic add-on also includes septic pumping, unlike some competitors. Choice Home Warranty coverage is available in 49 states. What We Don’t Like: The service fee is a flat $100, which is higher than many providers. The $250 coverage cap per term for septic pumping is also lower than that of some competitors. Coverage: Sewage ejector pump, control box, jet pump, aerobic pump, septic pumping Coverage limit: Up to $500 per term for most add-ons, $250 per term for septic pumping Choice Home Warranty Get A Quote Select Home Warranty What We Like: Select Home Warranty’s plans are affordable, with the highest-tier option starting at $48/month. Septic system coverage only costs an additional $6/month, which is very affordable. What We Don’t Like: The septic coverage doesn’t include septic tank pumping and coverage limits for certain items are lower than some competitors. Mixed customer reviews regarding claim acceptance and customer service. Coverage: Sewage ejector pump, septic tank, jet pump, aerobic pump Coverage limit: Up to $500 per term Select Home Warranty Get A Quote Other providers with septic add-ons include, but are not limited to, American Home Shield, 2-10 Home Buyers Warranty, and Elite Home Warranty. Cost of a Home Warranty That Covers Septic Systems The total cost of a home warranty with septic system coverage depends on the provider and plan selection. Average Costs Home warranty plan: $40–$70 per month ($480–$840 annually) Septic system add-on: $5–$15 per month Service call fee: $75–$150 per claim For example, First American Home Warranty charges $7.08 per month for septic coverage, which translates to about $85 per year. What to Look for in a Home Warranty for Septic Systems Choosing the right home warranty involves looking at coverage, costs, and contract terms. Key factors include: Septic system add-on availability: Ensure the provider offers an optional septic add-on. Covered components: Look for coverage of septic pumps, effluent pumps, and possible pumping services. Exclusions and limitations: Read the fine print for caps on payouts and excluded parts like drain fields. Customer reviews: Check ratings for claim approval rates and customer service quality. Common Septic Claim Denial Reasons There are various reasons why a septic system warranty claim may be denied, including: Lack of maintenance, such as failure to pump the tank regularly Pre-existing conditions, meaning damage existed before purchasing the plan Non-covered components, such as drain fields or tank replacements To ensure claim acceptance, make sure to review your service contract carefully to familiarize yourself with your plan's coverage limitations and stipulations. See More Home Warranty Providers See the top-rated home warranty providers to find the right one for you. Compare Companies The Bottom Line A home warranty with septic system coverage can save homeowners thousands in repair costs, but only if they choose the right provider. Before purchasing a plan, read the fine print, compare costs, and check customer reviews to ensure the warranty meets your needs. With the right coverage, you’ll have peace of mind knowing your septic system is protected. Frequently Asked Questions Does a home warranty cover septic pumping? Some warranties include coverage for septic pumping, but only if a backup occurs. What happens if my septic system fails completely? Home warranties typically cover repairs to components, not full system replacements. Can I get coverage for an older septic system? Typically, yes, but pre-existing conditions won’t be covered. Maintenance records may be required. Do all home warranty providers offer septic system coverage? No, septic coverage is usually an optional add-on, and some providers don’t offer it at all.

Selling a home comes with many decisions, and one of the most overlooked yet potentially valuable options is purchasing a home warranty. While many buyers consider home warranties to protect themselves after purchasing a property, sellers can also benefit from having a home warranty in place before and during the sale process. But is it worth the investment? This guide will explore how a seller’s home warranty works, what it covers, how much it costs, and why it could be a smart move when selling your home. What is a Seller’s Home Warranty? A seller’s home warranty is a service contract that helps pay for repairs or replacements of major home systems and appliances while the home is for sale. This warranty, unlike the one a buyer purchases after closing, protects the seller from unexpected repair costs before the sale is complete. Seller’s home warranties are ideal for older homes with aging systems and appliances. If something breaks while the home is listed for sale, the warranty can help cover the repair costs. This reduces the chances of last-minute expenses that could delay the closing or cause renegotiations. What Does a Seller’s Home Warranty Cost? The cost of a seller’s home warranty varies depending on the provider, the level of coverage, and the location of the home. On average, sellers can expect to pay between $300 and $600 for a basic policy, with optional add-ons increasing the price. Factors that influence the cost include: The age and condition of the home’s systems and appliances The warranty provider and plan selected The level of coverage, including any additional protections for items like pools or septic systems The location of the home, as prices can vary by region In addition to the upfront cost of the policy, sellers should be aware of service call fees, which typically range from $75 to $150 per claim. These fees apply whenever a technician is dispatched to assess or repair a covered item. What Does a Seller’s Home Warranty Cover? A seller’s home warranty typically covers major household systems and appliances, but coverage details vary by provider. Most standard plans include protection for essential home components that could break down due to normal wear and tear. Commonly covered items include: Home systems: HVAC (heating, ventilation, and air conditioning), plumbing, electrical, and water heaters Kitchen appliances: Dishwashers, ovens, stovetops, refrigerators, and built-in microwaves Laundry appliances: Washers and dryers While a home warranty provides valuable protection, it’s important to review the policy carefully. Some items may not be covered, and pre-existing conditions or improper maintenance can result in claim denials. If applicable, sellers should also consider optional coverage for items like pools, spas, or well pumps. Benefits of a Seller’s Home Warranty A seller’s home warranty offers multiple advantages that can make the selling process smoother and more cost-effective. Here are some of the key benefits: Attract More Buyers Buyers often feel more confident purchasing a home with a warranty in place. It reassures them that if something breaks after moving in, they won’t be stuck with expensive repairs. This added peace of mind can make the home more appealing in competitive markets. Reduce Post-Sale Disputes If an appliance or system fails soon after the home is sold, a home warranty can help cover repairs, reducing the risk of the buyer blaming the seller for undisclosed issues. This can help prevent legal disputes and maintain a smoother transaction. Minimize Out-of-Pocket Repair Costs Selling a home can be expensive, and unexpected repair bills can add to the financial burden. A home warranty helps cover repair or replacement costs if something breaks while the home is on the market. Transferring the Home Warranty One of the biggest advantages of a seller’s home warranty is that it can often be transferred to the buyer upon closing. This means the buyer will receive continued coverage for a set period, usually one year after the sale. Here’s what sellers should know about transferring a home warranty: Some home warranty companies charge a transfer fee, while others include it as part of the policy. The buyer will typically have the option to renew the policy after the initial coverage period. Transferring a home warranty can be a great selling point, as it provides added value to the buyer. Before purchasing a home warranty, sellers should confirm the transferability details with their provider to ensure a smooth handoff to the new owner. Why Should a Seller Buy a Home Warranty? A seller’s home warranty isn’t mandatory, but it can be a wise investment, particularly if: You have an older home. If your appliances or systems are old, a home warranty can help you avoid unexpected repair costs before closing. You want to reduce negotiation risks. If something breaks during the home inspection or before closing, the warranty can cover repairs. This can help you avoid price cuts or concessions. You want to attract more buyers. Offering a home warranty can make your home more appealing in the market, especially in areas where buyers look for extra incentives. You’re selling in a buyer’s market. When buyers have many homes to choose from, including a home warranty can make your listing stand out and more attractive. The Bottom Line A seller's home warranty can help when selling your house. It protects against unexpected repairs, attracts buyers, and can reduce disputes after the sale. Although it comes with a cost, the benefits — like increased buyer confidence and less financial risk — often make it worth it. If you're getting ready to sell your home, look into the best home warranty providers to find a plan that fits your needs. Investing a little now can make the selling process easier and more rewarding later on.