Home Warranty Company Comparisons
They all cover roughly the same things and market themselves similarly. The differences that matter are in the details: HVAC caps, exclusion language, claim denial patterns, and which company performs in your specific market.
Comparisons
105+
head-to-head pairs
Companies
15
major providers
HVAC Cap Range
$1.5k
to no cap
Top Score
9.2
Old Republic
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 |
|---|---|---|
| Old Republic | $6,500/unit | 9.2 |
| AFC Home Club | No cap | 9.0 |
| Landmark | $5,000 | 8.9 |
| Liberty Home Guard | $2,000/unit | 8.8 |
| American Home Shield | $5,000 (Platinum) | 8.5 |
| 2-10 HBW | $5,000 | 8.4 |
| Armadillo | $3,000/unit | 8.3 |
| First American | $3,500/unit | 8.2 |
| Choice Home Warranty | $3,000 | 7.9 |
| HSA Home Warranty | $1,500-$3,000 | 7.8 |
| HWA | $3,000 | 7.6 |
| Cinch | $1,500 combined | 7.5 |
| ServicePlus | $3,000 | 7.4 |
Most-Viewed 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?
Choice Home Warranty vs. Everyone
Choice is one of the most-purchased and most-complained-about companies. Know what you're getting before signing.
Liberty Home Guard vs. Everyone
Liberty's 4.7 Trustpilot score is the service quality differentiator. See how it compares head-to-head against each major competitor.
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Compare Any Two Companies
Use our custom comparison tool to build a head-to-head analysis for any two companies - 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.