Home Warranty Companies in Alaska
2026 State Guide
Our data lists 12 of the 15 companies we track as serving Alaska. AFC Home Club ranks first among them at 8.2 out of 10. Alaska has warmed about 3 degrees F since 1925, with most of the warming in winter and spring and the least in summer and fall.
Companies Available
12
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Alaska Division of Insurance
Home-specific rules
Alaska State Snapshot
Housing units
331,217
Owner-occupied rate
66.8% (US 65.2%)
Median home value
$352,900
Primary HVAC risk
Heating (our reading)
Companies listed
12 of 15 tracked
Regulatory body
Alaska Division of Insurance
66.8% of Alaska homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $352,900, 6% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Alaska. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In Alaska's largest city, Anchorage (municipality), 63.9% of homes are owner-occupied and the median owner-occupied home is worth $395,900.
Source: Census Bureau QuickFacts for Anchorage (municipality), 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Alaska's climate puts heating under strain, in our reading
Alaska has warmed about 3 degrees F since 1925, with most of the warming in winter and spring and the least in summer and fall. Annual precipitation ranges from more than 200 inches in the coastal mountains of the southeastern Panhandle to under 6 inches on the North Slope. Annual average precipitation is projected to increase by 10 percent or more across Alaska by the middle of this century under a higher-emissions pathway.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Alaska (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Alaska estimate. 12 of 15 tracked companies serve Alaska in our data; "Likely" and "Check" rows are not verified for Alaska.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | AK |
|---|---|---|---|---|---|---|
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Alaska
Highest overall score among companies that serve Alaska, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Alaska
Our data lists American Home Shield as not serving Alaska. It serves 49 states per our research.
Our data lists First American Home Warranty as not serving Alaska. It serves 35 states per our research.
Our data lists Old Republic Home Protection as not serving Alaska. It serves about 25 states per our research.
How Alaska Regulates Home Warranties
Regulator
Alaska Division of Insurance
Legal framework
Insurance code applies to whole-home warranties only
Alaska's insurance statutes do not apply to ordinary service contracts, but a 2014 amendment to AS 21.03.021 makes a comprehensive warranty on an entire home subject to the insurance statutes. Contracts limited to a household system or appliance are outside them. We did not find the Division of Insurance's own licensing guidance for whole-home warranty providers.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Alaska Legislature: 2014 session law amending AS 21.03.021 (SLA 2014 ch. 78, PDF)
- NAIC model law chart PA-60: service contracts (PDF)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Alaska Homeowners
Check the company's registration or license
Our sources show rules in Alaska that name home warranties, home service contracts or residential contracts. Ask the Alaska Division of Insurance whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
Our data lists every company that is not known to be excluded as serving Alaska, but availability can differ by address. Confirm at quote.
Filing a Complaint in Alaska
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Alaska's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Alaska Department of Law: file a consumer complaint
The Consumer Protection Unit prefers that you try to resolve the dispute with the business first. In most cases it tries to resolve complaints through informal mediation.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Alaska
Which home warranty companies serve Alaska?
What is the best home warranty company in Alaska?
Which home warranty plan has the highest HVAC coverage in Alaska?
How much does a home warranty cost in Alaska?
How does Alaska's climate affect which plan to buy?
Where do I file a home warranty complaint in Alaska?
How are home warranties regulated in Alaska?
Compare All Alaska-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Alaska, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.