Home Warranty Companies in Florida
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Florida. AFC Home Club ranks first among them at 8.2 out of 10. Florida has warmed by more than 2 degrees F since the early 1900s, and very warm nights in 2015 to 2020 were more than double the mid-20th-century count.
Companies Available
13
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Florida Office of Insurance Regulation
Home-specific rules
Florida State Snapshot
Housing units
10,789,047
Owner-occupied rate
67.6% (US 65.2%)
Median home value
$359,000
Primary HVAC risk
Cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Florida Office of Insurance Regulation
67.6% of Florida homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $359,000, 8% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Florida. 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 Florida's largest city, Jacksonville, 57.6% of homes are owner-occupied and the median owner-occupied home is worth $293,700.
Source: Census Bureau QuickFacts for Jacksonville, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Florida's climate puts cooling under strain, in our reading
Florida has warmed by more than 2 degrees F since the early 1900s, and very warm nights in 2015 to 2020 were more than double the mid-20th-century count. The statewide annual average precipitation is 53.7 inches, with most rain falling from June through September. Hurricane rainfall rates are projected to increase, and sea level is projected to rise 1 to 4 feet by 2100.
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 Florida (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 Florida estimate. 13 of 15 tracked companies serve Florida in our data; "Likely" and "Check" rows are not verified for Florida.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | FL |
|---|---|---|---|---|---|---|
| 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 |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | 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 | Check |
| 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 Florida
Highest overall score among companies that serve Florida, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Florida
Our data lists Old Republic Home Protection as not serving Florida. It serves about 25 states per our research.
Check availability: HSA Home Warranty
These companies serve only some states and we have not verified Florida. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Florida Regulates Home Warranties
Regulator
Florida Office of Insurance Regulation (OIR) and Department of Financial Services
Legal framework
Home warranty associations under Chapter 634, Florida Statutes
Florida regulates home warranties under Chapter 634 of the Florida Statutes, within the Insurance Code. Under section 634.312, according to the Florida CFO's consumer overview, the contract must be delivered within 45 days, exclusions must appear in boldface, and the buyer can assign the contract within 15 days for a fee capped at $40. The overview also notes that, since 2020, a home warranty may not exclude coverage for rust or corrosion unless it contributed to the failure of a covered item. Contracts must tell you that the rate is not regulated by OIR.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Checked against the official sources listed below. 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 Florida Homeowners
Check the company's registration or license
Our sources show rules in Florida that name home warranties, home service contracts or residential contracts. Ask the Florida Office of Insurance Regulation 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
Know the cancellation and refund rules
Florida Statutes section 634.312 lets you cancel a home warranty within 10 days of purchase for 100 percent of the gross premium less claims paid, with an administrative fee of up to 5 percent. After 10 days, a holder who cancels gets 90 percent of the unearned pro rata premium less claims paid. Details
Know the transfer rule
According to the Florida CFO's home warranty overview, a buyer can assign the contract within 15 days for a fee capped at $40. Details
Confirm coverage for your address
1 companies in our data serve only some states and are marked "check availability" for Florida. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Florida
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Florida'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.
Florida Attorney General: consumer complaint form
You can file online or print the form and mail it, with copies of your paperwork rather than originals. The form asks whether you are a senior or a military member, because fines can be higher in those cases.
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 - Florida
Which home warranty companies serve Florida?
What is the best home warranty company in Florida?
Which home warranty plan has the highest HVAC coverage in Florida?
How much does a home warranty cost in Florida?
How does Florida's climate affect which plan to buy?
Where do I file a home warranty complaint in Florida?
How are home warranties regulated in Florida?
City Guides in Florida
Neighboring States
Compare All Florida-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Florida, 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.