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Top Home Warranty Companies

CompanyDescriptionUser's RatingsOverall ScoreWebsite
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The Home Service Club Reviews

The Home Service Club Reviews

The Home Service Club offers home warranties to homeowners and people who are buying or selling their home. The company provides services to all of the United States, except for California.REVIEW Home Service ...

2 Landmark Home Warranty Reviews

Landmark Home Warranty Reviews

Landmark Home Warranty is a home warranty provider that services the states of Arizona, Idaho, Nevada, Oregon, Texas and Utah. The company is a member of the National Home Service Contract Association and Texas Real ...

3 HMS Home Warranty Reviews

HMS Home Warranty Reviews

HMS National has been working with homeowners and real estate agents to provide home warranties for over 30 years. The company partners with Cross Country Home Services, which gives them access to over 40,000 licensed ...

4 American Home Shield Reviews

American Home Shield Reviews

American Home Shield has been selling home warranties for over 40 years. They are the largest home warranty retailer in the nation. The company offers two types of plans, plus a combination plan that synthesizes the ...

5 TotalProtect Home Warranty Reviews

TotalProtect Home Warranty Reviews

TotalProtect Home Warranty is a subsidiary of Cross Country Home Services, which was founded in 1978. TotalProtect is a home warranty provider to homeowners around the nation.REVIEW TotalProtect Home Warranty ...

6 Old Republic Home Protection Reviews

Old Republic Home Protection Reviews

Old Republic Home Protection is one of the top home warranty providers in the US. With plans available in most states, the company offers a range of coverage with plans which shield homeowners from the cost of ...

7 Select Home Warranty Reviews

Select Home Warranty Reviews

Select Home Warranty provides warranties on home appliances and systems for homeowners, people involved in real estate transactions and real estate agents. The company’s US headquarters are located in New Jersey, but ...

8 Choice Home Warranty Reviews

Choice Home Warranty Reviews

Choice Home Warranty is a home warranty provider based in New Jersey. Although they’re located on the East Coast, they provide the service to homeowners nationwide.REVIEW Choice Home Warranty plans cover ...

9 HSA Home Warranty Reviews

HSA Home Warranty Reviews

HSA is a home warranty provider that has been in operation since 1984, and is headquartered in Wisconsin. Since their very inception, HSA has focused on providing the right home warranty for a specific homeowner, ...

10 Secure Home Warranty Reviews

Secure Home Warranty Reviews

Secure Home Warranty is a newer company in comparison to their competition, but they offer a tailored approach to home warranties that is not seen in many of the other home warranty providers.REVIEW Secure Home ...

11 First American Home Buyers Protection Corporation Reviews

First American Home Buyers Protection Corporation Reviews

For over 30 years, First American Home Protection Corporation, a subsidiary of First American Corporation, has been in the business of providing home warranties to homeowners, and those involved in real estate ...

Home Warranty Buyers Guide

Home warranties are most useful for homeowners, home buyers, home sellers, and real estate professionals. These plans, which are purchased in addition to standard home insurance, differ from traditional insurance policies in some key ways. While regular insurance covers for things like catastrophic events, home warranties bundle various appliances and systems found in most homes and offer warranties that cover repairs or replacements for items that stop functioning correctly due to normal wear and tear.

Home WarrantiesThere are many home warranty providers to choose from, and the task of making a decision can be daunting. There are so many things to consider in regards to coverage, cost and reliability. Luckily, after reading this, you’ll be fully prepared to purchase the right plan to fit your unique needs.

Before You Begin Your Hunt

Make a list of the appliances and systems you want to be covered by your warranty. That way, you will be able to see how comprehensive your needs are, and you can easily avoid companies that don’t carry plans that fit them.

What to Keep in Mind

Coverage: Not all warranty plans are made the same. Some companies offer plans that combine primary appliances and systems into one package, while others only offer plans for one or the other. Most of these companies do offer a more expensive, comprehensive plan that includes all of the appliances and systems in the home, but it may provide coverage for things you don’t need. Also, most home warranty companies don’t cover things like unknown pre-existing conditions or rusted parts, so be sure to read your contract to fully understand what you will be protected for.

Network of Service Providers: Home Warranty Providers each maintain their own network of service professionals within the regions they provide coverage. Some companies feature survey programs that let consumers rate their experiences in order to keep professional standards high. Some companies don’t have enough service providers in certain locales, which can create problems for consumers when they go to submit a claim. It is important to ask questions about how the company controls the quality of the professionals they work with.

Costs: Sure, the plan’s premium will jump out at you when you get a quote, but also be careful to check the deductible rate. All home warranty plans require the policyholder to pay a service fee to the professional who comes to diagnose the claimed appliance or system. These run from about $60 up to $125. Some companies offer variable deductibles that depend upon what premium you choose, so the higher the premium you choose, the lower the deductible you pay. Also, most plans do not include disposal of items that need to be replaced.

Guarantees: Some plans come with workmanship guarantees, so if a service provider fixes something, and it breaks again within a certain amount of time, the policyholder won’t have to pay the deductible to get it fixed again.

Replacements: If a repair will cost more than the appliance is worth, the home warranty provider replaces the item. Most, if not all, home warranty providers choose a replacement that has comparable features for the policyholder, but they don’t promise exact models or color. Most companies also offer a cash out option, so the policyholder can pick their own item, but it is usually a lot less than the cost of replacement. Some companies supplement this contrast by including membership to appliance clubs that offer low prices the public doesn’t normally get access to.

Some Last Minute Tips

Check online reviews written by real people. There are thousands of reviews for most home warranty companies. That number makes them a reliable source in finding a reputable company that you can trust.

Once you’ve narrowed down your choices, don’t be afraid to ask questions before you make a purchase. Talk to company representatives and confirm the details of coverage, the claims process, and the network of independent contractors who perform services in your region. This will ensure you’re not surprised when you go to make a claim, leaving you a worry-free homeowner.


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