Best home warranty companies: A home warranty is a service contract that helps to cover the expenses of repairing and replacing home equipment and systems that fail due to regular wear and tear. In exchange for a monthly or annual fee, policyholders get discounts on service calls for certain home appliances and systems for the length of the coverage.
Best home warranty companies can provide reassurance to homeowners, buyers, and sellers during real estate transactions. When searching for a home warranty, seek out a firm that offers affordable premiums and service costs, high payment caps, a simple claims procedure, and a broad variety of plans that cover the appliances and systems you need.
It may be a lifesaver when dealing with unpleasant and costly home repairs—or best home warranty companies can add to your aggravation if you discover that it excludes appliances or systems that need repair only when they break down. We’ve put together a list of the best home warranty companies for May 2022 to help you find the right plan for your home.
Best Home Warranty Companies
Each home warranty provider offers different coverage options and plan designs. Finding the best home warranty companies or providers for your home might take some time and effort, and it can be a challenging choice. We have done all of the research and compared the warranties for you at Review best home warranty companies. Let’s look at the best home warranty companies in 2022.
Cinch Home Warranty
- Average annual cost: $567.49
- Service charges range from $100 to $150.
- Time to respond: 2 to 24 hours.
Customers in California and Florida may purchase the Complete Home Warranty plan (the company’s most complete coverage) for less than $500 per year, earning Cinch Home Services the title of Cheapest Plan Cost. In those states, the average cost of all plan levels is likewise the lowest, making Cinch the low-cost champion. The firm has a B rating with the Better Business Bureau and offers service in every state except Alaska, Hawaii, Iowa, and Texas. This company is included in best home warranty companies of 2022.
Advantages and disadvantages:
Pros
- Unknown pre-existing conditions are protected.
- a 180-day guarantee on service.
Cons
- Service costs that are over the average
- Some states have higher-than-average expenses.
Plans and costs:
The typical Cinch Home Warranty plan is $567 per year, with a $10,000 maximum payment. According to the firm, it answers repair requests in 2–24 hours, which is on the quicker end of the industry’s range.
Cinch Home Warranty provides three plans (price varies depending on plan and zip code):
The home appliance warranty includes a washer/dryer, range/oven/cooktop, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range exhaust hood, refrigerator, built-in trash compactor, wall oven, and a $25 air conditioner or water filter credit.
Built-in Systems Air conditioning (including ductwork), attic fans, ceiling fans, central vacuum, doorbells, electrical system, garage door opener, garbage disposal, plumbing system, smoke detectors, sump pump, toilets, water heater, built-in whirlpool/jetted tub, and a $25 air conditioner or water filter credit
Everything is covered by the Appliances and Built-in Systems plans, plus a $500 refund for homeowners’ insurance deductibles (available once per year). Every plan comes with a free water sensor to help you spot leaks in your home.
Coverage:
The following add-ons can be added to either plan:
- Upgrade package Premier (provides additional benefits on a covered plan)
- sewage system (available for first-year customers only and is not renewable).
- Spa swimming pool
- combination pool/spa
- Pumping a well.
Liberty Home Guard Home Warranty
- The average annual cost of Liberty Home Guard LLC is $587.49.
- Service charges range from $80 to $125.
- Time to respond: 24 to 48 hours.
Because of the average Better Business Bureau customer review rating of 4.63, which includes over 1,200 verified reviews, Liberty Home Guard Home Warranty is our top option for customer satisfaction. This was by far the best customer satisfaction rating of any firm we looked at, and it demonstrates a consistent trend of excellent customer service. Liberty also offers a user-friendly website, clear pricing, responsive live-chat customer care, discounts, and extra add-ons (including coverage for pro-series appliances). The company is a recognised Better Business Bureau business with an A rating, and it sells coverage in all states except Washington and Wisconsin. This company is included in best home warranty companies of 2022.
Advantages and Disadvantages:
Pros
- Some plans include multi-year savings.
- Optional add-ons are many.
Cons
- You’re unable to choose your service technician.
- The benefit cap is lower than normal.
Plans and costs:
The typical Liberty Home Guard Home Warranty plan is $587, with a $2,000 payment limit per insured equipment or system each year. Repair experts are dispatched within 24–48 hours after receiving service requests.
Liberty Home Guard has three basic plans (price varies depending on package and zip code):
The following: washer/dryer, refrigerator, built-in microwave, dishwasher, trash disposal, range/oven/cooktop, ceiling and exhaust fans, and garage door opener are all protected by Appliance Guard.
Systems Guard covers air conditioning, heating, ducting, plumbing, electrical, and water heaters. Everything covered by the Appliance Guard and Systems Guard plans is included in Total Home Guard.
Coverage:
Liberty Home Guard Home Warranty offers a wide range of add-ons that can be added to its main plans:
- You may personalize your plan by adding coverage for the following:
- Additional spa services
- Cleaning of carpets
- Casita Guest House
- The central vacuum system
- Ejector pumping
- Generator for electronic protection.
- A grinder’s pump
- Cleaning gutters
- Ice machines (in-fridge or freestanding)
- Dispenser of hot water on demand
- Sprinkler systems for lawns
- Fixtures for lighting
- Roof leakage is limited.
- Pest management
- Plumbing fixtures
- Pool and spa
- Dishwasher Pro-Series
- The Dryer from the Pro Series
- Microwave oven, Pro-series
- Range/oven/cooktop Pro-series
- A refrigerator and washing machine from the Pro-Series
- Re-key
- A water filtration system using reverse osmosis
- a saltwater pool
- Another refrigerator
- Pumping a septic system
- freezer by itself.
- Sump pump for a
- cooler swamp
- compactor for trash.
- The water line for the water dispenser
- a water softener
- Pumping a well.
- Window cleaning
- Refrigerator/wine cooler
- Best Service Charge
America’s Preferred Home Warranty
- Average annual cost: $517
- Service charges range from $50 to $100.
Because of its lowest-in-industry $50 service cost (you may alternatively pick a service fee of $100 or $125), America’s Preferred Home Warranty takes the top spot in our Best for Low Service Fee category. The monthly cost of the plan decreases as the service price increases, allowing you to choose a plan that suits your needs. The Better Business Bureau has given the firm an A+ rating. This company is included in best home warranty companies of 2022.
Advantages and disadvantages:
Pros
- Choose your own certified technician.
- The A+ rating from the Better Business Bureau
Cons
- Plan possibilities are limited.
Costs and plans:
The typical America’s Preferred Home Warranty plan costs $517 and has a $25,000 maximum payment. The company doesn’t say how long it takes to get a response to a claim. Instead, it says that it depends on the independent contractor you choose.
While the organization offers variable service costs, it also offers two plans (price varies depending on service fee):
Central air conditioning, heating systems, water heaters, built-in dishwashers, refrigerators, ranges/ovens/cooktops, garbage disposals, built-in microwaves, septic systems, attic & exhaust fans, electrical systems, plumbing, stoppages, garage door openers, water well pumps, roof leak repair, ductwork, and humidifiers are all covered by standard coverage.
includes everything in the Standard Coverage plan plus air conditioning refrigerant recovery, ceiling fans, fire alarms, burglar alarms, lighting fixtures, doorbells, a $250 code violation allowance, and enhanced coverage for many of the items in the Standard Coverage plan (such as water heater sediment buildup).
Coverage:
You may personalize your plan by adding coverage for the following:
- In addition, refrigerators
- A fireplace with gas
- Spa/pool inground
- Upgrade to a jetted bathtub.
- Saltwater spa or pool
- Termite control sprinkler systems
- washer/dryer
- a water softener
- Best for Maximum Payout Limit
Sears Home Warranty
- The average annual cost is $719.88.
- 75-$100 in service fees
- Time to respond: 2 to 24 hours.
Sears Home Warranty offers the largest payment ceiling in the business, with a total limit of $50,000 (the per-claim limit is $10,000). The organization has an A+ Better Business Bureau rating and operates throughout the lower 48 states (via Transformco, which acquired Sears in 2019). This company is included in best home warranty companies of 2022.
Advantages and Disadvantages:
Pros
- a 180-day guarantee on service.
- product substitutions
Cons
- Customer complaints are plentiful.
- Sears Holdings remains insolvent.
Plans and costs:
- The average Sears Home Warranty coverage is $720 per year, with a $50,000 maximum payment.
- The company says that questions about claims are usually answered within two hours (or 24 hours on holidays), with an average response time of 13 hours.
There are three warranty options available:
Refrigerator with ice maker, built-in dishwasher, washer/dryer, range/oven/cooktop, built-in microwave, range exhaust fan, and built-in trash compactor ($49.99 a month).
The Systems Plan ($59.99 per month) includes central air conditioning, central heating, plumbing system, water heater, water softener, faucets and toilets, trash disposal, plumbing stoppages, electrical system, ceiling fans, and garage door opener.
Everything covered in the Appliance and Systems plans is included in the Whole Home Plan ($69.99 per month). All plans include a free annual maintenance check for your heating and cooling systems and rebates on some appliance and system repairs.
Coverage:
- Sears Home Warranty provides the following add-on coverage choices to tailor your plan:
- A heated pool and/or spa.
- Pumping of the septic tank
- freezer by itself.
- Sump pump for a
- Pumping a well.
TotalProtect Home Warranty
- The average annual cost is $423.40.
- Service fees of $75-$125
- Time to respond: 2 to 24 hours.
TotalProtect is our top option for best average plan cost, with an average yearly premium of just $423. The firm covers all 50 states as well as the District of Columbia. While TotalProtect received a great overall score, the Better Business Bureau gave them a lower customer satisfaction rating than the majority of the companies we looked at. If plan affordability is the most important factor, especially for a basic plan, TotalProtect may be the best option. This company is included in best home warranty companies of 2022.
Advantages and Disadvantages:
Pros
- nationwide service
- The average yearly plan price is $423.
- service guarantee of six months
- Timely response to claims
Cons
- Customer satisfaction is low.
- A Profile from the Better Business Bureau
- Service fees are rather expensive.
Plans and Costs:
- The typical TotalProtect coverage is $423 per year, with a $1,000–$3,000 payment maximum per insured item.
- Repair inquiries are responded to between 2 and 24 hours, on average, according to the firm.
TotalProtect has three different plans:
washer/dryer, range/cooktop/oven, range exhaust hood, refrigerator, dishwasher, microwave, and built-in trash compactor ($32.99 per month with a $125 service charge per claim).
SystemsProtect ($44.99 per month with a $125 service fee per claim) (one claim per year) covers all the following: accessible ductwork; electrical wiring; ceiling fans; garage door openers; smoke detectors; interior plumbing and gas lines; garbage disposal; water heater; sump pump; plumbing stoppages; whirlpool/jetted bathtub; toilets; and up to $1,200 in emergency lodging reimbursement are covered by SystemsProtect ($44.99 per month with a $125 service fee per claim) (one claim per year)
TotalProtect ($54.99 per month plus a $125 service fee per claim): includes everything in the ApplianceProtect and SystemsProtect plans as well as up to $1,000 in home insurance deductible reimbursement (one claim per year).
Coverage:
- Add-on coverage options available via Total Protect include:
- faucet heater for swimming pool and/or spa
- Outside gas supplies
- sewage line outside.
- water line outside.
- Upgrade package Premier (provides additional benefits on a covered plan)
- Septic tank pumping/septic tank cleaning
- Spa
- freezer by itself.
- There is a swimming pool.
- combination pool/spa
- a water softener
- a well pumping system