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Best Home Warranty Services 2022

Get Peace of Mind at a Low Cost

Shield your wallet from unexpected repair costs. Compare home
warranty companies to find the one that suits you best.

Discounts on Annual Plans!
$150 OFF + 2 Months FREE + FREE Roof Coverage
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UPDATED FOR JANUARY 2022
Home Warranty
Score
Features We Like
Deals on Annual Plans
Our Pick for Annual Plans
9.9

  • 24/7 claims service
  • Fix or replace guarantee
  • Local professionals
  • 4.7/5 ★ on Shopper Approved
  • Calls back in 2 minutes
Discount on
Annual Plans!

$150 OFF
+ 2 FREE Months
+ FREE Roof Coverage

Discount Code: JAN25

9.2

  • Choose your own technicians
  • 24/7 live support
  • Lifetime guarantee on parts
  • Unlimited service requests
$200 OFF a New AFC Plan
9.0

  • 8+ million homes served
  • Unlimited service calls
  • No claims limit
$100 Discount with Code PROTECT
8.8

  • No inspection needed
  • 24/7 claims & service request
  • Repair or replace guarantee
$150 OFF +
2 Months Free
8.5

  • Customizable & affordable plans
  • Real-time claims tracking
  • Dedicated account managers
$150 OFF + 3 Months Free
8.3

  • Service & labor guarantee
  • 24/7 claims line
  • Rigorously screens technicians
Free Roof Coverage

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Compare Top Home Warranty Plans

9.2
Score
    • Get $200 OFF a New AFC Plan
    • Service fee starting at $60
    • Customized plans available
    • Qualified technicians
    • Top Rated Customer Service
    • Highest claim limit
9.0
Score
    • $100 Discount with Code PROTECT
    • $75 service fee
    • 2 basic plans based on appliance needs
    • Qualified technicians
    • 4/5 stars on Trustpilot
    • Affordable monthly premiums
TheTop10Sites Scores

Joe Schwartz | Home Warranty Editor

Joe is the chief content editor of TheTop10Sites and manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

Most Commonly Asked Questions About Home Warranty Plans

Purchasing a Home Warranty is the best way to prevent expensive home and appliances repairs. The last thing homeowners want is to deal with malfunctioning appliances, whether it's a leaking laundry machine or an AC that won't work, repairing appliances can be expensive and hectic.

Home warranty services will either repair or replace your major appliances and/or systems should they break down at any point. Depending on how many appliances and/or systems you need covered, the price of a home warranty can start at $20/month and maxes out around $60/month.

Got a question about home warranties? We've got answers! Read up on how home warranties work and shield your home today.

 

What is a Home Warranty?

Similar to a warranty that comes with the purchase of a new phone, appliance, or piece of equipment, home warranties, or service contracts, cover home appliances and system repairs. Home warranties shield homeowners from the high cost of unexpected appliance breakdowns and system failures. They provide protection not just for your home, but for your budget and time as well.  

 

How do Home Warranties Work?

What's great about home warranties is that unlike a standard warranty that comes with an appliance, home warranties cover a wide variety of items which can be customized depending on your needs. When signing up for a home warranty or receiving an initial quote, you will be asked to fill in basic information about the location of your home and which appliances and/or home systems you want to cover. Most home warranty companies offer a choice of several plans with options to add appliances based on need. 

These home warranty companies will charge an annual contract fee for yearly coverage and a small service fee when they need to send someone to repair or replace an appliance. Typically home warranty companies work with certified local technicians who work quickly and efficiently to help ensure your home is back in working order.

 

What Factors Should I Consider in a Home Warranty?

Different home warranty companies tend to offer different kinds of plans, but at their core they all offer a similar service. However, there are several major factors that you should consider when choosing which home warranty is best for you. 

These include:

  • Coverage: In our side-by-side home warranty comparison guide, you'll likely notice that certain appliances are not covered when you subscribe to a basic plan. Many companies leave out the duct-work, refrigerator, and AC out of their cheapest plans. Still, there are a few companies that cover these appliances. When choosing a home warranty, be sure to go over what's covered and what isn't.
  • Approval: An affordable plan is great, but does the provider easily approve claims? Read reviews to find out which companies approve claims and repair your appliances immediately. Many companies tend to deny claims even to deserving cases. Only a few top companies keep their promises of covering your appliances when they break down.
  • Customer Support: When your refrigerator breaks down, you want a company that answers your call immediately and listens to your needs. Even if they won't send a technician on the same day, efficient customer support will ensure that your issues will be fixed.

 

How Much Does a Home Warranty Cost?

Home warranties cost from as little as $250 per year to a maximum of about $600 a year. The plan you choose largely depends on the appliances and/or home systemws you need to be covered. However, you don't have to overpay for a plan. Instead, choose systems and appliances you use the most and cover only those. You'll get better value for your money.

Additionally, check the coverage limits of your plan. Some home warranties only cover $500 worth of repairs for appliances some go up to $2000. Work with a company whose limitations are high enough to fully cover the repair of your appliances.

 

Are Home Warranties Worth the Cost?

Home warranties are some of the most complained about services on  various review platforms. Stories of denied claims fill review websites like Yelp, BBB, and Facebook. But beneath the complaints are positive experiences most people had with the same companies.

As such, how a home warranty works out for you mostly depends on the choice you pick. A good provider will repair or replace your appliances within just a few days. A bad company will always look for ways to deny your claims.

Home warranties are worth the cost if you choose one that is reputable, trustworthy, and follows through with it's claims. The best way to insure your home appliances and/or systems is to ensure that you are doing your homework and using a trustworthy company

 

How do annual plans work?

When you sign up for an annual home warranty plan, you could be saving money in the long term. The cost for annual plans is broken down into a monthly premium and service fees. Depending on the company, premiums can cost around $25-$50 per month. In addition to this, you pay a set service call fee so that whenever an unexpected problem arises, a technician will come to repair it, which can range from $75 to $125 each time a service provider comes to your home. Some companies will let you customize your premium and service fees depending on an estimated number of claims.

 

Conclusion

A home warranty is meant to give you peace of mind when your appliances break down. They promise to make repairs for all systems covered in a monthly plan or even replace them. Unfortunately, not every company can be trusted to fulfill its promises. Only the very best home warranties fulfill claims. Make sure you use our guide above to find a good company and pick a plan that best suits your needs.

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