Home Warranty Companies in Idaho
2026 State Guide
Our data lists 13 of the 15 companies we track as serving Idaho. Old Republic Home Protection ranks first among them at 8.4 out of 10. Idaho's temperatures have risen almost 2 degrees F since the beginning of the 20th century.
Companies Available
13
of 15 tracked
Top 3 Picks From
$44
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Idaho Department of Insurance and Attorney General
No registration program found
Idaho State Snapshot
Top pick
Old Republic Home Protection
Owner-occupied rate
72.1% (US 65.2%)
Median home value
$418,600
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
13 of 15 tracked
Regulatory body
Idaho Department of Insurance and Attorney General
72.1% of Idaho homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $418,600, 26% higher than the national median of $332,700.
Source: Census Bureau QuickFacts for Idaho. 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 Idaho's largest city, Boise, 63.2% of homes are owner-occupied and the median owner-occupied home is worth $484,800.
Source: Census Bureau QuickFacts for Boise, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Idaho's climate puts both heating and cooling under strain, in our reading
Idaho's temperatures have risen almost 2 degrees F since the beginning of the 20th century. Winter and spring precipitation is projected to increase, but more of it is expected to fall as rain rather than snow, and warming is projected to intensify droughts and increase wildfire frequency and severity. Warm nights have been above average since 2000, and heat wave intensity is projected to increase while cold wave intensity decreases.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Idaho (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 Idaho estimate. 13 of 15 tracked companies serve Idaho in our data; "Likely" and "Check" rows are not verified for Idaho.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | ID |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Yes |
| 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 | 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 Idaho
Highest overall score among companies that serve Idaho, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Idaho
Our data lists First American Home Warranty as not serving Idaho. It serves 35 states per our research.
Check availability: HSA Home Warranty
These companies serve only some states and we have not verified Idaho. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Idaho Regulates Home Warranties
Regulator
Idaho Department of Insurance and Attorney General
Legal framework
No home warranty statute found
We did not find an Idaho statute that specifically regulates home warranty contracts. Idaho Code 41-114A defines a service contract, and Idaho's detailed service contract rules in Title 41, Chapter 62 apply to motor vehicle service contracts. Without a dedicated statute, general consumer protection law applies, so keep the contract and every claim record in writing.
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 Idaho Homeowners
Expect consumer protection law to be your main protection
We found no registration program in Idaho, 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, Old Republic Home Protection, has an HVAC cap of $6,500/unit; 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
1 companies in our data serve only some states and are marked "check availability" for Idaho. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Idaho
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Idaho'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.
Idaho Attorney General: consumer protection
The Attorney General does not represent individual consumers. A complaint can go to a voluntary dispute resolution process or be filed for information only, the online form must be printed, signed and mailed, and complaints are public records.
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 - Idaho
Which home warranty companies serve Idaho?
What is the best home warranty company in Idaho?
Which home warranty plan has the highest HVAC coverage in Idaho?
How much does a home warranty cost in Idaho?
How does Idaho's climate affect which plan to buy?
Where do I file a home warranty complaint in Idaho?
How are home warranties regulated in Idaho?
Neighboring States
Compare All Idaho-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Idaho, 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.