The Best Home Warranty Companies in 2025
Home warranties can ease the stress and cost of unexpected breakdowns in major systems and appliances. They typically charge annual premiums and a service fee per repair call. These six companies offer solid coverage, clear pricing, and customer-friendly plans. Here’s a closer look.
Liberty Home Guard gets good marks for flexible plans—systems-only, appliances-only, or combination packages—and lets you pick your own technicians. It’s available in all 50 states and has optional add-ons for extra coverage. Monthly premiums start around $50, with service fees from $70 to $125.
With over 50 years of experience, American Home Shield offers three plans—Silver, Gold, and Platinum—that cover systems, appliances, and even roof leaks. Coverage limits are high ($5,000 for HVAC), and it’s available nationwide except Alaska and Hawaii. You can also choose your own technician. Monthly premiums start around $20, plus a service fee of $100–125.
First American’s entry-level plan includes both systems and key appliances, making it a solid option for more coverage at a fair price—starting around $42/month. It has unlimited repair caps on essential systems like HVAC and electrical, pays for wall damage repairs, and comes in three tiers. Coverage is available in 35 states.
Choice Home Warranty has comprehensive coverage and high limits (up to $3,000 per system or appliance). It pays for wall repairs when needed and includes a 60-day workmanship guarantee. Annual payments save you $50 and give you a free month of coverage. Premiums start at roughly $49/month with $100 service fees.
Cinch offers strong systems coverage—including sump pumps, water dispensers, and smoke detectors—through plans available in 48 states. It has a 180-day workmanship guarantee and covers more systems than most standard plans.
AFC Home Warranty offers affordable coverage with plans starting around $43/month. Its standout feature is a lifetime guarantee on both parts and labor. With contractor choice and a Platinum plan that includes extras like microwave and ice maker coverage, AFC is a strong all-around option.
