Best Home Warranty Companies 2025: Compare Plans, Prices and Reviews

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Your home is one of the most important investments you’ll ever make, so make sure you have the best home warranty and service plan to take care of any home appliance breakdowns and heating or cooling system issues. Several home warranty coverage plans are available from reputable companies that provide extensive coverage on major appliances and systems.

What Is a Home Warranty and Why Do You Need One?

Home warranty plans provide repair and replacement services for major appliances and plumbing, electrical and heating or air systems. The right plan can potentially help you save thousands of dollars on home maintenance costs.

Quick Comparison of Top Home Warranty Providers

Here’s a brief overview of the top home warranty providers.

A Closer Look at the 10 Top Home Warranty Companies

Whether you’re building a new home or moving into a new place, protecting your investment with the right home warranty coverage could make good financial sense.

To help you decide on the best company for your home, here’s information on the top home warranty companies based on coverage, plan limitations, costs and Better Business Bureau ratings.

Reviews of the Best Home Warranty Companies

Learn more about the top home warranty companies and how they can help keep home repairs affordable.

Fidelity National Home Warranty

• Plan cost: $450 to $725 per year
• Service fee: Call for quote
• BBB Rating: A+
• Best for: Service warranties
• Pros:
  • Service warrantied for 30 days
• Cons:
  • Basic plan has limited coverage for appliances

Fidelity National Home Warranty provides coverage for all types of mechanical, plumbing and major appliance repairs that your homeowners insurance likely doesn’t cover, including issues like furnace failures and clogged pipes. You’re responsible only for a service call fee, which covers the diagnosis and repairs. The company promises a fast response time to service calls and affordable service plans. Additionally, if it can’t provide a fix for an item that’s covered, it will replace the item at no additional cost.

Old Republic Home Protection

• Plan cost: Starts at $460 per year
• Service fee: $100-$125
• BBB Rating: A+
• Best for: 24/7 service requests
• Pros:
  • Special options for recent homebuyers
  • Long list of possible add-ons
• Cons:
  • Coverage for refrigerators, washers and dryers are not available with the basic plan.

Old Republic Home Protection service plans also cover things that typically aren’t included in a homeowners’ insurance policy, such as a broken dishwasher and air conditioning issues. The plans’ costs depend on the type of home you need coverage for and your location.

The BBB-accredited company manages service requests 24/7. Customers can call a toll-free number or go online to make a service request. Depending on where you live, the company covers parts, labor and systems replacement, and it works with a network of qualified, independent service providers.

2-10 Home Buyers Warranty

• Plan cost: $35 to $60 per month
• Service fee: $100
• BBB Rating: A+
• Best for: Structural warranty for new construction
• Pros:
  • Three plans to choose from
• Cons:
  • Basic plan has less comprehensive coverage than competing plans

The 2-10 Home Buyers Warranty offers both systems and appliances coverage and a structural warranty for your home. The home warranty service agreement covers breakdowns of all major systems, including air conditioners, electrical systems, heating and plumbing. It also covers kitchen appliances, including dishwashers, refrigerators, microwaves and ovens, and has a kitchen-only plan in case that’s all you need.

For people investing in a new-construction home, opt for 10 years of structural damage with one of 2-10’s structural warranties. These HUD-approved plans cover things like foundation systems, columns, beams and roof-framing systems.

First American Home Buyers Protection Corporation

• Plan cost: Call for quote
• Service fee: Call for quote
• BBB Rating: B+
• Best for: Basic protection
• Pros:
  • Solid basic plan
• Cons:
  • Must provide contact information to find out about fees

When you’re looking for a basic home and manufacturer warranty for your new home purchase or want a warranty for an existing home, you can choose from several service plans from First American Home Buyers Protection Corporation.

The basic plan provides coverage for kitchen appliances, clothes washers and dryers, and ceiling fans, but you can upgrade your plan to cover items like pool and spa equipment, central air conditioning or plumbing. Plus, service calls are unlimited and the company is available 24/7. 

A bonus: As long as your system or appliance was in working order before you bought your plan, you’ll have coverage regardless of the system or appliance’s age.

Home Warranty of America

• Plan cost: $475 to $675 per year
• Service fee: From $75
• BBB Rating: B-
• Best for: Homebuyers with limited information about the home’s maintenance history
• Pros:
  • Covers unknown pre-existing conditions and insufficient maintenance
• Cons:
  • Exclusions not listed on the website

Home Warranty of America offers a basic Gold plan covering over 20 items and Platinum and Diamond plans with extensive coverage, including for code violations and permits (primarily with the Diamond coverage plan). You can purchase additional coverage beyond a manufacturer’s warranty for a second refrigerator, pool and spa, septic system and roof leaks. The company also offers “plus” add-ons that vary by state.

The customer service department, available anytime, can handle service requests and claims, as well as troubleshoot problems over the phone, which could end up saving you a service call.

American Home Shield

• Plan cost: $39.99 to $89.99 per month
• Service fee: $100 to $125
• BBB Rating: A+
• Best for: Choice of plans
• Pros:
  • 24/7 claims filing
  • Cancel any time (for a fee)
• Cons:
  • Inflexible service fees

As the largest home warranty provider in the United States, American Home Shield has been covering homeowners since 1971. AHS offers three different plans that cover systems, appliances or both, including air conditioning, electrical, heating, plumbing, water heaters and garbage disposals. In addition, you can build a plan to get the exact coverage you need and take advantage of optional coverage for pools and spas, well pumps and septic pumps.

Choice Home Warranty

• Plan cost: $46.67 to $55 per month
• Service fee: $100
• BBB Rating: B
• Best for: Low-priced premium plan
• Pros:
  • Roof leak add-on
• Cons:
  • Basic plan excludes A/Cs, refrigerators and washers and dryers

Choice Home Warranty offers two plans — basic and total — to provide coverage for things like heating systems, whirlpool bathtubs, water heaters, garbage disposals and ceiling fans. The Basic Plan does not cover air conditioning systems, refrigerators or washers and dryers. You can get optional coverage for things like a second refrigerator, sump pump, septic system and a pool or spa.

Choice Home Warranty’s claims hotline is available 24/7 online or over the phone, and the company will dispatch a local, licensed and insured technician right away. The service-call fee is a flat rate regardless of how much the repair or replacement costs.

Home Service Club

• Plan cost: $649.95 to $799.95 per year
• Service fee: $65 to $125
• BBB Rating: B-
• Best for: Promotional pricing
• Pros:
  • Low service fees for some claims
• Cons:
  • Expensive
  • Low BBB rating

Home Service Club’s home protection plan covers all types of repairs and replacements regardless of the age, make or model of household items. A home inspection isn’t required before purchasing a warranty, and standard coverage includes all major systems and appliances.

You can purchase comprehensive coverage that includes services like pest control, alarm wiring, water leaks and gas leaks. Plus, if you have a jetted bathtub, pool and spa equipment or additional clothes dryers and washers, you can purchase optional coverage for each item.

How To Choose the Right Home Warranty Company

Home warranties are contracts, which means that once you sign up, you’re usually obligated for the entire term of the agreement. Here are some things to consider before signing up.

Home Warranty Coverages and Exclusions

Warranty companies typically have at least two plans to choose from — a basic plan and one or more comprehensive plans that cover more repairs and replacements. Most also let you add coverages individually, so it’s a good idea to start with the basic plan plus whatever individual options you need, and compare the cost with a more comprehensive plan that has those options included.

Home Warranty Plan Costs and Service Fees

Also, consider the annual cost of the plan compared to your anticipated annual repair costs. If you live in a new or almost-new home, you could go years without needing a repair. In the meantime, you might have paid thousands of dollars for a warranty you didn’t use. If your home is older, though, you could more than make up the cost of the plan with just one service call per year.

Service fees are an additional consideration, especially if you anticipate using your warranty frequently.

Home Warranty Service Providers

Some home warranties require that you use their vendors, while others allow you to use your own under some circumstances. Make sure you understand the vendor requirements for your warranty — otherwise, your service call might not be covered.

It’s also a good idea to look up the warranty company’s local vendors, if available, so that you can check their reviews. The warranty is only as good as the service providers who make the repairs.

Sabah Karimi contributed to the reporting for this article.

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