Home Warranty Companies in Maine
2026 State Guide
Our data lists 9 of the 15 companies we track as serving Maine. AFC Home Club ranks first among them at 8.2 out of 10. Maine has warmed by almost 3.5 degrees F since the start of the 20th century, and since the mid-1990s winter has warmed about twice as fast as summer.
Companies Available
9
of 15 tracked
Top 3 Picks From
$39
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Maine Bureau of Insurance
Rules not confirmed
Maine State Snapshot
Housing units
758,815
Owner-occupied rate
74% (US 65%)
Median home value
$266,400
Primary HVAC risk
Heating (our reading)
Companies listed
9 of 15 tracked
Regulatory body
Maine Bureau of Insurance
74% of Maine homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $266,400, 12% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Maine. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Maine's largest city, Portland, 46.9% of homes are owner-occupied and the median owner-occupied home is worth $489,600.
Source: Census Bureau QuickFacts for Portland, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Maine's climate puts heating under strain, in our reading
Maine has warmed by almost 3.5 degrees F since the start of the 20th century, and since the mid-1990s winter has warmed about twice as fast as summer. Average winter temperatures run from about 25 F in the far south to under 15 F in the north and interior. Precipitation since 2005 has averaged 6.6 inches more per year than during 1895 to 2004.
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 Maine (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 Maine estimate. 9 of 15 tracked companies serve Maine in our data; "Likely" and "Check" rows are not verified for Maine.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | ME |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| 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 | Likely |
| 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 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| 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 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| 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 Maine
Highest overall score among companies that serve Maine, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Maine
Our data lists First American Home Warranty as not serving Maine. It serves 35 states per our research.
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Maine. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Maine Regulates Home Warranties
Regulator
Maine Bureau of Insurance
Legal framework
Home service contracts are separate from the Service Contract Act
The Maine Bureau of Insurance says the state's Service Contract Act does not apply to home service contracts. Maine's 2011 act (P.L. 2011, chapter 345) added a home service contract category to the insurance definitions in 24-A M.R.S. section 3, defined as a contract that, for a set fee and duration, defrays the cost of repair or replacement of home structural components, appliances or systems. Bills in the Legislature, including LD 1829 (115th Legislature), have proposed moving oversight of home service contracts from the Real Estate Commission to the Bureau of Insurance, and we did not confirm what was enacted. Ask the Bureau who regulates a particular company.
Type of rules: Not confirmed. The sources we found did not settle how the state regulates home warranties. Ask the state insurance regulator before you buy.
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
- Maine Bureau of Insurance: Service Contracts FAQs
- Maine Public Law 2011, chapter 345
- Maine LD 1829 (115th Legislature): transfer of home service contract regulation (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 Maine Homeowners
Ask who regulates the company
The sources we found did not settle how Maine regulates home warranties. Ask your state insurance department, using the NAIC directory, before you buy.
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
5 companies in our data serve only some states and are marked "check availability" for Maine. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Maine
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Maine'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.
Maine Attorney General: file a consumer complaint and request mediation
Mediation through the Consumer Information and Mediation Service is optional, free and voluntary. The office says the information you give is used to identify trends for enforcement and is forwarded to the Federal Trade Commission.
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 - Maine
Which home warranty companies serve Maine?
What is the best home warranty company in Maine?
Which home warranty plan has the highest HVAC coverage in Maine?
How much does a home warranty cost in Maine?
How does Maine's climate affect which plan to buy?
Where do I file a home warranty complaint in Maine?
How are home warranties regulated in Maine?
Neighboring States
Compare All Maine-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Maine, 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.