Home Warranty Companies in Georgia
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Georgia. AFC Home Club ranks first among them at 8.2 out of 10. Georgia has warmed about 0.8 degrees F since the start of the 20th century, about half the contiguous U.S. rate, and its warmest five-year interval was 2016 to 2020.
Companies Available
13
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Georgia Office of Commissioner of Insurance
Service contract law
Georgia State Snapshot
Housing units
4,734,436
Owner-occupied rate
65.7% (US 65.2%)
Median home value
$303,300
Primary HVAC risk
Cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Georgia Office of Commissioner of Insurance
65.7% of Georgia homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $303,300, 9% lower than the national median of $332,700.
Source: Census Bureau QuickFacts for Georgia. 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 Georgia's largest city, Atlanta, 46.4% of homes are owner-occupied and the median owner-occupied home is worth $439,600.
Source: Census Bureau QuickFacts for Atlanta, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Georgia's climate puts cooling under strain, in our reading
Georgia has warmed about 0.8 degrees F since the start of the 20th century, about half the contiguous U.S. rate, and its warmest five-year interval was 2016 to 2020. Inland cities such as Macon and Columbus average about 20 days a year above 95 degrees F, while Atlanta averages 7. Annual precipitation runs from more than 70 inches in the northeastern mountains to around 45 inches in the southeast and center of the state.
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 Georgia (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 Georgia estimate. 13 of 15 tracked companies serve Georgia in our data; "Likely" and "Check" rows are not verified for Georgia.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | GA |
|---|---|---|---|---|---|---|
| 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 | 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 | Check |
| 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 Georgia
Highest overall score among companies that serve Georgia, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Georgia
Our data lists Old Republic Home Protection as not serving Georgia. It serves about 25 states per our research.
Check availability: Choice Home Warranty
These companies serve only some states and we have not verified Georgia. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Georgia Regulates Home Warranties
Regulator
Georgia Office of Commissioner of Insurance
Legal framework
Title 33 of the Georgia Code; surety bond requirement
We did not find a single Georgia statute that sets out a home warranty rulebook. Georgia's Office of Commissioner of Insurance does enforce a surety bond requirement under Title 33: in April 2024 it issued a cease and desist order barring Choice Home Warranty from selling in Georgia after the company failed to post a required bond of at least $100,000. We have not confirmed whether that order has been lifted, so check a company's status with the department before you buy.
Type of rules: General service contract law. A service contract law with registration, bonding or disclosure rules. Whether it reaches a particular home warranty plan was not confirmed.
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 Georgia Homeowners
Check the company's registration
Georgia regulates service contracts under a general law with registration, bonding or disclosure rules, and we could not confirm how it applies to every home warranty plan. Ask the Georgia Office of Commissioner of Insurance whether the company is registered.
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
Check the company's status
In April 2024 Georgia's Commissioner of Insurance issued a cease and desist order barring Choice Home Warranty from selling in Georgia after it failed to post a required surety bond of at least $100,000. We have not confirmed whether the order was lifted, so ask the Office of Commissioner of Insurance before you buy. Details
Confirm coverage for your address
1 companies in our data serve only some states and are marked "check availability" for Georgia. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Georgia
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Georgia'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.
Georgia Attorney General: Consumer Protection Division
The Division asks you to try to resolve the dispute with the company first, may ask for a written complaint if the matter appears actionable, and asks for legible copies of your documents rather than originals.
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 - Georgia
Which home warranty companies serve Georgia?
What is the best home warranty company in Georgia?
Which home warranty plan has the highest HVAC coverage in Georgia?
How much does a home warranty cost in Georgia?
How does Georgia's climate affect which plan to buy?
Where do I file a home warranty complaint in Georgia?
How are home warranties regulated in Georgia?
Neighboring States
Compare All Georgia-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Georgia, 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.