Home Warranty Reviews and Rankings for 2026
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Top-Rated Home Warranty Companies
Ranked by overall score: the weighted average of five criteria, explained on our methodology page.
Old Republic Home Protection
Old Republic International
Backed by a $12B insurance holding company with the industry's highest HVAC cap. Limited availability is the only real downside.
AFC Home Club
Independent
The only major provider with no stated HVAC cap. Highest Trustpilot score in the industry. A genuine standout.
Liberty Home Guard
Independent
High Trustpilot scores and flexible plans, but relatively new and HVAC cap is below average.
First American Home Warranty
First American Financial
Strong financial backing, honest pricing, and relatively low complaint volume make this a solid pick where available.
Armadillo Home Warranty
Independent
Innovative month-to-month model is appealing, but the company is young and long-term track record remains unproven.
HomeServe USA
Brookfield Asset Management
Unique utility partnership model works well for targeted coverage but is not a traditional whole-home warranty.
"Do Not Buy" Verdicts
We recommend against companies when the data warrants it
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| Company | Score | Monthly Cost | Service Fee | HVAC Cap | BBB Rating | Trustpilot | Verdict |
|---|---|---|---|---|---|---|---|
| Old Republic Home Protection | 8.4 | ~$45-$80/mo | $100/$125 | $6,500/unit | A+ | 3.8/5 | Recommended |
| AFC Home Club | 8.2 | $44-$82/mo | $75/$100/$125 | No cap | B | 4.7/5 | Recommended |
| Liberty Home Guard | 7.9 | $49-$79/mo | $80/$100/$125 | $2,000/unit | NR | 4.5/5 | Conditional |
| First American Home Warranty | 7.4 | ~$37-$65/mo | $100/$125 | Unconfirmed | B+ | 3.2/5 | Recommended |
| Armadillo Home Warranty | 6.9 | from $39.99/mo | $100/$150 | $3,000/unit | NR | 4.2/5 | Conditional |
| HomeServe USA | 6.9 | $3.99-$55.99/mo | $0 | Unconfirmed | A+ | 3.5/5 | Conditional |
| 2-10 Home Buyers Warranty | 6.5 | ~$35-$70/mo | $75/$100/$125 | $5,000/unit | B | 3/5 | Conditional |
| American Home Shield | 6.5 | $29.99-$89.99/mo | $100/$125 | $5,000/unit | B | 1.6/5 | Conditional |
| HSA Home Warranty | 6.3 | ~$41-$53/mo | $100/$125 | Unconfirmed | B+ | 2.9/5 | Conditional |
| ARW Home | 5.9 | $45.99-$67.99/mo | $55/$75 | Unconfirmed | A | 2.4/5 | Not Recommended |
| Home Warranty of America | 5.9 | from ~$48.33/mo | $75/$100 | $5,000/unit | C/NR | 4/5 | Conditional |
| Select Home Warranty | 5.6 | ~$46-$62/mo | $75/$100/$125 | Unconfirmed | B- | 3.1/5 | Not Recommended |
| Choice Home Warranty | 5.6 | ~$49-$58/mo | $85 | $3,000 combined | B | 4.3/5 | Conditional |
| ServicePlus Home Warranty | 5.2 | ~$41-$50/mo | $75 | Unconfirmed | B | 2.1/5 | Not Recommended |
| Cinch Home Services | 5.1 | ~$28-$62/mo | $100/$150 | $1,500 combined | B+ | 2.8/5 | Conditional |
Industry Alert: One Company Now Owns Five Home Warranty Brands
Frontdoor Inc. (NASDAQ: FTDR) owns American Home Shield, HSA, OneGuard, Landmark, and 2-10 HBW. Most consumers have no idea they may be comparing products from the same parent company.
Home Warranty Guides & Resources
Everything you need to understand, evaluate, and use home warranties effectively.
What Is a Home Warranty?
A complete plain-English guide to what home warranties are, how they differ from insurance, and what they actually cover.
Is a Home Warranty Worth It?
The honest math behind home warranties. We calculate break-even points and show you when they make sense and when they do not.
What Do Home Warranties Cover?
The complete list of covered systems and appliances, plus the exclusions and caps that marketing pages never mention.
Claim Denied? Start Here
Step-by-step guidance for fighting back when your home warranty company denies a legitimate claim.
How to Choose the Right Warranty
A data-driven approach to selecting the right home warranty for your specific home, budget, and risk tolerance.
12 Points Before You Sign
A 12-point checklist for reviewing a home warranty contract before you buy, including the red flags to look for.
What Do Home Warranties Actually Cover?
The gap between what's marketed and what's in the contract is where homeowners get burned.
Systems
Full coverage guide →Appliances
- Refrigerator
- Dishwasher
- Washer & Dryer
- Oven / Range
- Microwave (Built-in)
- Garbage Disposal
Common Exclusions
- Pre-existing conditions (usually)
- Code upgrade costs at replacement
- Refrigerant above per-lb cap
- Cosmetic damage
- Improper prior installation
- Outdoor faucets & sprinklers
Free Tools & Calculators
Make data-driven decisions with our interactive tools. No sign-up required.
Latest Industry News
Tracking the companies, lawsuits, and regulatory actions that affect your coverage.
How to Read BBB Ratings for Home Warranty Companies
What a BBB grade measures, what it ignores, and how to use complaint records.
RegulatoryChoice Home Warranty Pays $11.8M in Arizona Settlement
Arizona AG secures largest home warranty settlement in state history.
IndustryFrontdoor Now Owns Five Home Warranty Brands
Market consolidation reaches new heights after 2-10 HBW acquisition.
Frequently Asked Questions
What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Unlike homeowners insurance (which covers damage from events like fire or storms), a home warranty covers mechanical failures of items like your HVAC system, plumbing, and kitchen appliances.
How much does a home warranty cost?
Most home warranty plans cost between $300 and $900 per year, plus a service call fee of $75-$150 per claim. The total annual cost depends on your coverage level, chosen service fee, and geographic location. Premium plans with lower service fees can exceed $1,000/year.
Are home warranties worth the money?
It depends on your specific situation. Home warranties tend to be worth it for owners of older homes (10+ years) with aging systems, especially HVAC. They are generally not worth it for newer homes still under manufacturer warranties, or for homeowners with substantial emergency savings. Our break-even calculator can help you do the math for your situation.
What is the difference between a home warranty and homeowners insurance?
Homeowners insurance covers sudden damage from external events (fire, theft, storms, liability). Home warranties cover mechanical breakdown of systems and appliances from normal wear and tear. They are completely different products that serve different purposes. You need homeowners insurance; a home warranty is optional.
Why do home warranty claims get denied?
The most common denial reasons are: pre-existing conditions (the issue existed before your warranty started), lack of maintenance (you didn't maintain the item properly), improper installation (it wasn't installed to code), and coverage caps (the repair cost exceeds your plan's dollar limit for that item). Our claims hub has step-by-step guidance for fighting unfair denials.
Not sure where to start?
Take our 2-minute quiz to get a personalized recommendation based on your home, budget, and priorities.