Home Warranty Companies in Delaware
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Delaware. AFC Home Club ranks first among them at 8.2 out of 10. Delaware's temperatures have risen more than 3 degrees F since 1900, and very warm nights at Dover have been increasing since the early 1960s.
Companies Available
13
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Delaware Department of Insurance and Department of Justice
No registration program found
Delaware State Snapshot
Housing units
483,447
Owner-occupied rate
73% (US 65.2%)
Median home value
$352,000
Primary HVAC risk
Cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Delaware Department of Insurance and Department of Justice
73% of Delaware homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $352,000, 6% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Delaware. 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 Delaware's largest city, Wilmington, 48% of homes are owner-occupied and the median owner-occupied home is worth $231,400.
Source: Census Bureau QuickFacts for Wilmington, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Delaware's climate puts cooling under strain, in our reading
Delaware's temperatures have risen more than 3 degrees F since 1900, and very warm nights at Dover have been increasing since the early 1960s. Statewide annual precipitation has been above average since the mid-1990s, and the 1991 to 2020 average is 45.9 inches. Hotter summers and milder winters are projected, and total annual precipitation is projected to increase, mostly in winter and spring.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for Delaware (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 Delaware estimate. 13 of 15 tracked companies serve Delaware in our data; "Likely" and "Check" rows are not verified for Delaware.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | DE |
|---|---|---|---|---|---|---|
| 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 |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | 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 Delaware
Highest overall score among companies that serve Delaware, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Delaware
Our data lists First American Home Warranty as not serving Delaware. It serves 35 states per our research.
Our data lists Old Republic Home Protection as not serving Delaware. It serves about 25 states per our research.
How Delaware Regulates Home Warranties
Regulator
Delaware Department of Insurance and Department of Justice
Legal framework
Service contracts are not insurance (Del. Code tit. 18)
A 2019 Delaware law (HB 106) amended Title 18 to say that offering or issuing a service contract is not insurance unless a law expressly applies insurance rules. The sponsors described it as codifying existing practice, and Delaware has no dedicated licensing program for service contract providers that we could find.
Type of rules: Not insurance, no registration program found. Home service contracts are outside the insurance code and we found no registration program, so consumer protection law is the main recourse.
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
- 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 Delaware Homeowners
Expect consumer protection law to be your main protection
We found no registration program in Delaware, so read the contract closely, keep every claim communication in writing and know that complaints may go to the Attorney General's consumer protection office.
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
Know the renewal rule
Delaware's automatic renewal subchapter (Title 6, Chapter 27, Subchapter IV) treats failing to offer a cost-effective, timely and easy-to-use way to cancel as a deceptive practice, and a consumer who contracts online must be able to cancel online. Details
Confirm coverage for your address
Our data lists every company that is not known to be excluded as serving Delaware, but availability can differ by address. Confirm at quote.
Filing a Complaint in Delaware
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Delaware'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.
Delaware Department of Justice: consumer complaint
An intake investigator reviews the complaint. Most disputes are contract disagreements, which the Consumer Protection Unit handles through informal mediation by phone or letter, and a simple failure to perform a contract does not by itself count as consumer fraud.
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 - Delaware
Which home warranty companies serve Delaware?
What is the best home warranty company in Delaware?
Which home warranty plan has the highest HVAC coverage in Delaware?
How much does a home warranty cost in Delaware?
How does Delaware's climate affect which plan to buy?
Where do I file a home warranty complaint in Delaware?
How are home warranties regulated in Delaware?
Neighboring States
Compare All Delaware-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Delaware, 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.