Home Warranty Company Comparisons
Most home warranty companies cover similar things. The differences that matter are HVAC caps, exclusion language, claim denial patterns and where each company operates.
15 companies compared, 13 in-depth head-to-heads, confirmed HVAC caps from $1,500 combined to no cap, top score 8.4 (Old Republic Home Protection).
Compare Any Two Home Warranty Companies
Pick two of the 15 companies we review to see scores, price, service fee, HVAC cap and our verdict side by side. The link updates as you choose, so you can share a comparison.
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| Measure | Old Republic Home Protection | AFC Home Club |
|---|---|---|
| Overall score (out of 10) | 8.4 | 8.2 |
| Coverage (44%) | 9.0 | 9.0 |
| Customer Service (22%) | 8.0 | 7.5 |
| Value (17%) | 8.0 | 8.0 |
| Contract Terms (11%) | 7.5 | 7.0 |
| Transparency (6%) | 8.0 | 7.5 |
| Monthly price | ~$45-$80/mo | $44-$82/mo |
| Service fee per visit | $100-$125 | $75-$125 |
| HVAC cap | $6,500/unit | No cap |
| BBB rating | A+ | B |
| Trustpilot | 3.8/5 | 4.7/5 |
| States served | ~25 | 48 |
| Parent company | Old Republic International | Independent |
| Founded | 1974 | 2014 |
| Ownership | Publicly traded | Privately held |
| Our verdict | Recommended | Recommended |
| Best for | Financial stability priority; High HVAC cap needs; Western state homeowners | Maximum HVAC coverage (no cap); Hot-climate homeowners; Older HVAC systems |
Scores are computed from five criteria using our published weights. The higher score in each scored row is shown in green.
The Factors That Actually Matter
HVAC Cap Quick Reference - All Companies
The single most important number for any comparison. Average AC replacement runs $5,000-$15,000 depending on region.
| Company | HVAC Cap | Our Score |
|---|---|---|
| AFC Home Club | No cap | 8.2 |
| Old Republic Home Protection | $6,500/unit | 8.4 |
| 2-10 Home Buyers Warranty | $5,000/unit | 6.5 |
| American Home Shield | $5,000/unit | 6.5 |
| Home Warranty of America | $5,000/unit | 5.9 |
| Armadillo Home Warranty | $3,000/unit | 6.9 |
| Choice Home Warranty | $3,000 combined | 5.6 |
| Liberty Home Guard | $2,000/unit | 7.9 |
| Cinch Home Services | $1,500 combined | 5.1 |
| First American Home Warranty | Unconfirmed | 7.4 |
| HomeServe USA | Unconfirmed | 6.9 |
| HSA Home Warranty | Unconfirmed | 6.3 |
| ARW Home | Unconfirmed | 5.9 |
| Select Home Warranty | Unconfirmed | 5.6 |
| ServicePlus Home Warranty | Unconfirmed | 5.2 |
Featured Comparisons
Compare by Company
Old Republic vs. Everyone
Old Republic's A+ BBB rating, $6,500/unit HVAC cap, and NYSE-listed financial strength make it the benchmark for serious comparisons.
AFC Home Club vs. Everyone
AFC's no-cap HVAC coverage and bring-your-own-contractor option make it the standout in rural markets and high-cost cities alike.
American Home Shield vs. Everyone
AHS is the largest company by market share. How does scale and brand recognition translate to actual coverage value?
Start With What Matters to You
Compare Any Two Companies
Pick any two of the 15 companies in the comparer above, or read the full individual reviews to go deeper on any provider.
Comparison data verified June 2026. Plan terms, pricing, and caps change - always verify current details directly with each company before purchasing.