Best Home Warranty Plans 2025

First American offers industry-leading coverage caps ($3,500–$7,000), comprehensive inclusion of 26 appliances/systems, and flexible tiered plans with extensive add-on options, allowing customization for most homeowner needs. It stands out for unique coverages like code violations and plumbing cleanouts, but the base plan's omission of AC and laundry is a notable limitation.

Claims are rapidly initiated online or via multiple channels, with most customers reporting speedy scheduling and clear communication. Some inconsistencies exist, shown by a B+ BBB rating and occasional mixed reviews regarding claim resolutions and service speed.

Pricing is transparent and reflects the high maximum coverage and flexible add-ons. While not the lowest-cost provider, it offers excellent value for homes with pricier appliances and systems. Service call fees and higher plan costs may deter budget-conscious users.

First American excels with its user-friendly website, clear downloadable contracts, and rapid digital claims submissions. 90% of users rate contract clarity highly. Minor plan selection complexity exists, but overall usability is best-in-class.

Repair quality is robust, with direct contractor scheduling, high coverage limits, and a history of reliability, although not all users report perfect satisfaction and service call fees are mid-to-high. The arrangement is hassle-free, but occasional complaints affect the rating.

First American sets benchmarks with exclusive features: coverage for code violations, preexisting condition protection, robust plumbing and AC coverage, and generous member perks (day-one discounts, referral bonuses). Although full benefit activation requires add-ons/upgrades, the suite of options exceeds most competitors.

Liberty Home Guard delivers exceptionally comprehensive and flexible plans, with extensive add-on options (over 40) enabling tailored coverage for diverse homeowner needs. The plan breadth (appliances, home systems, pools, electronics, etc.) and high customizability are top-tier. While coverage caps and exclusions (e.g., plumbing/electrical capped at $500) exist, overall plan adaptability and transparency stand out against competitors.

Claims process is rapid (24-48 hr technician dispatch), support channels are abundant (24/7 phone, text, email), and staff professionalism earns high praise (92% customer satisfaction). However, some complaints persist regarding delayed email responses and denials of coverage, slightly diminishing the overall consumer experience.

Liberty Home Guard offers competitive plan rates across flexible term lengths, frequent promotions (up to $200 off, free months), and the industry's best bundled coverage rating. Service call fees and high customization costs are minor detractors, but overall value for coverage is outstanding and clearly communicated.

Simple plan selection, a user-friendly interface, and nationwide availability make Liberty Home Guard accessible for most users. The experience is further streamlined by online claims and clear contract choices. The only notable issue is that the sheer number of add-ons may overwhelm some consumers, and coverage limits could be more prominently disclosed to improve transparency.

Liberty Home Guard offers fast, reliable repairs via a robust technician network, 60-day guarantees, and a personalized technician selection (with approval). Service receives an 85% renewal rate and 92% satisfaction. Issues with denied claims and cumulative service fees remain but do not outweigh the overall high-quality, responsive repair standards.

With industry-leading optional add-ons (up to 42), unique member perks (referral Amazon gift cards, appliance discounts), and innovative coverage (pools, spas, pest, roof leaks), Liberty Home Guard provides more extra value than virtually any competitor. Some benefits require specific plan tiers or promotions, and add-on costs can increase overall spend, but distinct offerings make the program stand out.

AFC Home Club provides among the broadest coverage available in the industry, with four flexible plan tiers, lifetime work guarantee for contract duration, and add-ons for unique property features. Coverage includes standard home systems and appliances, modern electronics, and full plumbing—going beyond standard warranties. Customizable service call fees and plan add-ons accommodate a wide variety of user needs. Major drawback is coverage exclusions in CA, WA, and HI, and the added cost for specialized items.

AFC offers rapid and reliable claims processing with 24/7 live support and the industry’s longest lifetime labor/parts guarantee. Only licensed and insured contractors are used, which strengthens user trust. Claims are contacted within 24-48 hours and repairs are guaranteed. Geographic exclusions and deductions on refunds for used claims are slight drawbacks but do not significantly affect overall user satisfaction.

Pricing is transparent, with flexible payment options and user-selectable service fees. The plans are competitively priced for the level of coverage, and annual payment discounts add direct value. Add-ons and higher service fees can boost costs for those wanting full coverage, and prorated refunds may not return full value on cancellation.

Digital-first approach offers online invoicing, streamlined plan management, and clear comparison tools. Service is widely available in 48 states. Live support, online plan comparison, and service portals improve usability. Lack of availability in several states and the complexity of add-ons/cancellation are moderate drawbacks for onboarding and ongoing management.

Lifetime parts and labor guarantee is unmatched, with only vetted, licensed/insured professionals providing service. Claims are dispatched rapidly, and national service coverage (minus a few states) ensures most users receive prompt, high-quality repairs. Slight concerns regarding transparency of individual technician reviews and relatively high fees for minor repairs.

Standout benefits include home electronics coverage, complete plumbing (including exterior lines), and user-customizable pricing structures. Innovative add-ons and perks broaden appeal for tech-focused and specialty homeowners. More advanced coverage options may carry extra fees. Some perks not available in three excluded states.

Offers a wide range of tiered plans for different property types and needs, including industry-unique structural coverage and modular/manufactured home options. Coverage is flexible and transferable with 'day one' protection, appealing for individuals prioritizing broad and customizable protection. However, vital elements (e.g., laundry, roof coverage) and some structural features require highest-tier plans or geographic eligibility, and there are exclusions around pre-existing conditions and certain states.

Delivers a streamlined, user-friendly claims experience via a digital Homeowner Portal, supplemented with multi-channel customer support and direct billing to contractors. BBB A rating and positive testimonials show reliable resolution and prompt service, with most claims paid out quickly. Geographic contractor density can occasionally affect speed, but support infrastructure is robust for most users.

Plans start at a competitive $27/month for entry-level coverage, scaling up for broader protection. Service call fees are transparent, and multiple plan options let users match coverage to budget. Value is highest for those needing full-system, structural, or modular home coverage, although add-ons for critical protections can reduce perceived value for some. Service not universally available across all states.

Highly accessible for digitally engaged users—application, claims, and account management are streamlined in a modern online portal, backed by an extensive knowledge base. Monthly payments and clear fee structures are straightforward. Service exclusions in certain states and variable contractor density modestly impact accessibility for some individuals.

Strong, nationwide contractor network (6,000+ pros) and high claim pay rate (97.5%) translate to reliability and professionalism, especially for core systems (HVAC, plumbing, electrical) with 4.37-4.56 star ratings. Appliance satisfaction is somewhat lower, and service is unavailable in nine states, creating modest consumer risk outside major coverage areas.

Industry-leading offerings for structural and modular/manufactured home coverage set 2-10 apart, providing unique value for specialized homeowner groups. Digital management and transferable warranties add convenience and appeal. Some features are exclusive to top-tier plans or require regional eligibility, but the value for qualifying users is exceptional.

Old Republic offers a highly flexible and comprehensive set of plans with extensive options for customization and add-ons. The three main plan tiers—Basic, Standard, and Deluxe (plus Elite)—allow for coverage ranging from essential home systems to expanded appliance and roof leak protection. The high coverage limits (up to $7,000 for appliances) and range of available add-ons provide substantial personal value, especially for users seeking tailored protection. Some weaknesses include the lack of appliances-only or systems-only plans and variability of coverage details by state, which could complicate plan selection and cause coverage gaps if not carefully managed.

Old Republic excels in claims responsiveness and support, with 24/7 emergency service and both phone and digital claims channels. Customers routinely describe helpful interactions and streamlined service coordination, contributing to high satisfaction and personal value through reliability in stressful situations. Some minor drawbacks stem from additional fees for after-hours support and geographically variable service levels.

Pricing is competitive in the national home warranty market, ranging from $50-80/month depending on coverage level. The customizable nature enables users to maximize personal value by aligning coverage and cost to their specific needs and budgets, reducing the risk of large unexpected repairs. Weaknesses include possible increases at renewal and some inconsistencies in value depending on state-specific coverage, as well as potential for out-of-pocket costs if exclusions are overlooked.

Usability is a standout strength due to the Homeowner Central portal, which enables easy digital management of claims, coverage status, payments, and provider coordination. Users report quick, straightforward signup, clarity of digital information, and fast service scheduling. These factors together deliver substantial value, particularly for digitally engaged users. Potential usability gaps exist for less tech-savvy individuals, but overall accessibility remains high, supporting a broad user base.

Old Republic’s use of a vetted, nationwide technician network assures consistent, professional repairs and broad geographic reach. Customers affirm promptness and repair satisfaction, even on older homes. Troubleshooting support enhances the experience by prioritizing necessary claims. Limitations mostly relate to users' lack of choice in technicians and possible variation in provider quality based on location.

The provider distinguishes itself through lifetime warranty positioning, deep customization options, and a scalable national presence. Coverage expansions and unique add-ons fill insurance gaps and offer extra protection (such as pool/spa and well pump), while the proactive approach to partnering with real estate professionals and coordinating with homeowner insurance maximizes utility for various segments. Some add-ons are limited by state or expansion pace, but the overall scope is exceptionally favorable for users seeking a lifetime home protection partner.

Select Home Warranty offers three flexible plans and comprehensive add-ons with strong transparency—especially with unique free roof leak coverage and real estate transferability. While coverage breadth is high for most homeowners and documentation is clear, some notable exclusions (e.g., control boards, pumps, switches, heating elements) limit true completeness. Potential overlap between Gold and Platinum can also cause confusion.

Claims can be initiated 24/7 through multiple accessible channels with real-time portal tracking and allow user-selected contractors in some cases, strengthening user autonomy. However, mixed customer feedback and occasional denials due to policy limitations lead to moderate satisfaction. Support is robust but not seamless, particularly where coverage disputes arise.

Select Home Warranty delivers industry-leading affordability, with monthly premiums about 14% below market averages and frequent promotions, discounts, and bundled extras like free roof leak coverage. Transparent cost structure and multi-year savings drive high personal value, although users should consider possible service fees and excluded repairs.

Customers benefit from an intuitive online portal, streamlined claims process, clear documentation, and strong digital accessibility. Application and signup are easy, and contract management (renewal/cancellation) is flexible. Some usability friction appears for edge-case claims and coverage disputes, but the overall system is user-centric and promotes individual empowerment.

90-day workmanship guarantees and user-selectable contractors provide security and flexibility. Experiences with contractor quality and service responsiveness vary, and coverage exclusions sometimes result in disputes or dissatisfaction. Regions with strong networks yield better experiences; denial rates and variable workmanship reduce confidence for some homeowners.

Select Home Warranty stands out for its industry-leading free roof leak coverage, flexible contractor selection, easily transferable warranty for real estate deals, and generous promotional incentives—features often unavailable with competitors. These extras generate significant personal value and convenience, particularly for homeowners seeking bespoke coverage and flexibility.

Cinch Home offers a highly flexible and comprehensive selection of plans, with coverage for both systems and appliances, including unique protections for unknown preexisting conditions, rust, and corrosion. The 180-day workmanship guarantee is industry-leading. However, certain specialty items (e.g., Wi-Fi transmitters) are excluded, and coverage caps ($1,000-$2,000/item/term) may be restrictive for high-end homes. Deductible variability could affect appeal for budget-sensitive users.

Cinch delivers solid, multi-channel customer support (24/7 online portal, phone, email), with user-friendly technology for claims management. Fast and courteous support agents are noted strengths. However, contractor-driven repair processes produce inconsistent experiences, including some BBB complaints and negative survey reports, resulting in a moderate overall customer satisfaction score.

Offers highly competitive entry-level pricing and strong bundled value, with clear monthly premium costs and extra credits/reimbursements. Service call fees ($100-$150) can add up for frequent use, and coverage caps could limit value for users with advanced appliances, but overall affordability and protection for unexpected costs are clear wins for most mid-range homeowners.

Cinch excels in usability and accessibility, featuring an intuitive website, streamlined signup, mobile app, and a transparent, accessible claims portal. Information is clearly presented, onboarding is frictionless, and service requests can be made 24/7 across multiple channels. Some minor challenges with third-party contractor scheduling exist but do not significantly detract from the overall experience.

Cinch leads in breadth of coverage, notably for older or preexisting issues, and offers an unmatched 180-day workmanship guarantee. However, variable performance from independent contractors and mixed user feedback (3.8-star average) reflect ongoing risks to service consistency and satisfaction.

Cinch delivers multiple distinctive perks, including $500 deductible reimbursement for insurance claims, surge protection, annual filter and locksmith credits, and tailored plan flexibility for key household systems. These exclusives elevate value for users seeking extra coverage, though some benefits are limited to premium plans and annual credits are modest compared to full costs.

American Home Shield provides broad, flexible coverage options for various home systems and appliances, including uncommon offerings such as coverage for pre-existing damage and specialized plans for real estate and new construction. The ability to add coverage for pools, electronics, and other items enhances customization. However, a 30-day waiting period and lack of transparency about exclusions detract from immediate and clear protection.

Claim processing is often slow, with frequent reports of extended delays and repeated service visits. Customer support is criticized for being scripted and unresponsive, leading to frustrations with communication and claim updates. While some customers value the budget protection, overall satisfaction is low due to service inefficiency.

Pricing is competitive and all costs are shown up front, removing many common concerns about hidden fees. Coverage for pre-existing damage adds unique value. However, the service call fees can diminish perceived value, especially for users with few claims. Higher-tier plans may be expensive for some households, and the value proposition depends on frequent use of member benefits.

Digital tools such as the mobile app and website offer intuitive, clear navigation for plan management and quoting, allowing convenient access for users. However, actual usability suffers from claim processing delays and frustration with service follow-through, reducing the practical accessibility of the product.

Service delivery quality is inconsistent, with long delays and repeat technician visits commonly reported. Contractor professionalism and resolution rates vary due to poor network management, and scheduling confusion affects user trust. Some users do report cost savings when repairs are completed, but overall satisfaction is low.

AHS stands out for its extensive member perks, innovative coverage add-ons, and extra home services, such as smart home tech setups, cleaning, and HVAC tune-ups. Tiered benefit structure rewards higher-value plans, and options for adding exclusives within 60 days provide flexibility and personal value.

Elite offers highly flexible coverage with impressive payout limits ($7,000 for appliances, $8,000 for systems), and a broad array of 33 optional add-ons catering to personalized needs. Coverage extends to older systems and exterior plumbing, which many competitors exclude. However, transparency in pricing and plan details is limited, requiring phone contact for final quotes and presenting some complexity for new users.

While Elite provides concierge-style support and options for flexible service fees, there are significant, documented issues with claims processing: slow refunds (sometimes over 5 months), inconsistent customer support, and delayed payments to service providers. These reliability and responsiveness problems reduce overall consumer trust.

Elite delivers excellent value, with competitive monthly premiums ($45–$60), superior coverage limits, and customizable fees—particularly attractive for owners of older or high-value home systems. However, lack of instant online quotes requires user outreach by phone, creating friction and transparency issues that slightly detract from the experience.

Educational resources and plan details are well-presented online, and the no-inspection policy streamlines signup. However, the inability to get accurate instant quotes online and limited self-service options frustrate users who expect a fully digital experience, reducing accessibility for busy or impaired users.

Individual experiences vary widely: some report fast, professional service and proactive communication, while others face long waits, difficulty reaching support, and service interruptions due to provider payment issues. This inconsistency significantly impacts trust and satisfaction, especially for urgent repairs.

Elite stands out for its unique service fee flexibility, extensive add-on customization (33 options), superior payout limits, and rare exterior plumbing coverage. While these features set it apart from most competitors, the overall execution is occasionally undermined by inconsistent service reliability.

Standard evaluation of Coverage & Plan Options - detailed analysis pending

Standard evaluation of Claims Experience & Customer Support - detailed analysis pending

Standard evaluation of Pricing & Value - detailed analysis pending

Standard evaluation of Usability & Accessibility - detailed analysis pending

Standard evaluation of Repair & Service Quality - detailed analysis pending

Standard evaluation of Additional Benefits & Unique Offerings - detailed analysis pending