Home Warranty Companies in Nevada
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Nevada. AFC Home Club ranks first among them at 8.2 out of 10. Nevada is the driest state in the nation, with a statewide average of about 10.2 inches of precipitation a year.
Companies Available
10
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Nevada Division of Insurance
Service contract law
Nevada State Snapshot
Housing units
1,348,211
Owner-occupied rate
59.3% (US 65%)
Median home value
$406,100
Primary HVAC risk
Cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Nevada Division of Insurance
59.3% of Nevada homes are owner-occupied, below the 65% national rate, and the median owner-occupied home is worth $406,100, 34% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Nevada. 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 Nevada's largest city, Las Vegas, 56.6% of homes are owner-occupied and the median owner-occupied home is worth $427,900.
Source: Census Bureau QuickFacts for Las Vegas, 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
Nevada's climate puts cooling under strain, in our reading
Nevada is the driest state in the nation, with a statewide average of about 10.2 inches of precipitation a year. Las Vegas summer highs average about 102 degrees F, and about nine days a year reach 110 F or higher; the state record is 125 F. Temperatures have risen almost 2.4 degrees F since the beginning of the 20th century, and heat waves are projected to get more intense.
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 Nevada (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 Nevada estimate. 10 of 15 tracked companies serve Nevada in our data; "Likely" and "Check" rows are not verified for Nevada.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | NV |
|---|---|---|---|---|---|---|
| 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 |
| 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 | 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 Nevada
Highest overall score among companies that serve Nevada, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Nevada
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 Nevada. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Nevada Regulates Home Warranties
Regulator
Nevada Division of Insurance
Legal framework
Service contract registration (NRS Chapter 690C)
Under NRS 690C.150, a service contract provider needs a certificate of registration from the Commissioner of Insurance before issuing, selling or offering service contracts in Nevada. The chapter also sets financial security, contract provisions such as cancellation and refunds, and examinations and penalties. The Division of Insurance has treated home warranty sellers as service contract providers: in 2017 it cautioned Nevadans about Secure Home Warranty, an unregistered service contract provider, and it publishes cease and desist orders against unregistered providers. A 2019 bill (SB 357) would have added home warranty protection plans to the chapter expressly; the chapter text we found has no home warranty clause, so we could not confirm that it was enacted.
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.
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
- Nevada Revised Statutes Chapter 690C
- Nevada Division of Insurance: caution about Secure Home Warranty, an unregistered service contract provider (2017)
- Nevada Division of Insurance: service contracts cease and desist orders
- Nevada Senate Bill 357 (2019), as introduced (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 Nevada Homeowners
Check the company's registration
Nevada 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 Nevada Division 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
Know the return window
Nevada voids a service contract and refunds the price if you have made no claim and return it within 20 days of the provider mailing it, 10 days of receipt when handed over at purchase, or any longer period the contract sets. The refund is due within 45 days of the return. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Nevada. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Nevada
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Nevada'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.
Nevada Attorney General: file a complaint
The office's contact page says only officially filed complaints can be accepted and reviewed. A 2017 release from the office said it does not represent individuals, so ask whether it can help with a single dispute.
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 - Nevada
Which home warranty companies serve Nevada?
What is the best home warranty company in Nevada?
Which home warranty plan has the highest HVAC coverage in Nevada?
How much does a home warranty cost in Nevada?
How does Nevada's climate affect which plan to buy?
Where do I file a home warranty complaint in Nevada?
How are home warranties regulated in Nevada?
Neighboring States
Compare All Nevada-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Nevada, 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.