Home Warranty Companies in Utah
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Utah. AFC Home Club ranks first among them at 8.2 out of 10. Utah has warmed by more than 2.5 degrees F since the beginning of the 20th century, and the period since 2012 has been the warmest on record.
Companies Available
10
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Utah Insurance Department
Home-specific rules
Utah State Snapshot
Housing units
1,258,623
Owner-occupied rate
70.6% (US 65%)
Median home value
$455,000
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Utah Insurance Department
70.6% of Utah homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $455,000, 50% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Utah. 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 Utah's largest city, Salt Lake City, 45.8% of homes are owner-occupied and the median owner-occupied home is worth $539,500.
Source: Census Bureau QuickFacts for Salt Lake City, 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.
Get a Home Warranty Match
Not sure which company is right for your home? Answer a few quick questions and get a personalized home warranty match in minutes. This is a sponsored partner link, and we may earn a commission.
Climate and Coverage Context
Utah's climate puts both heating and cooling under strain, in our reading
Utah has warmed by more than 2.5 degrees F since the beginning of the 20th century, and the period since 2012 has been the warmest on record. Average winter temperatures in the mountains are around 20 F, and lower southern elevations frequently have summer days over 100 F. More winter precipitation is projected to fall as rain instead of snow, and the number and magnitude of extreme precipitation events are projected to increase.
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 Utah (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 Utah estimate. 10 of 15 tracked companies serve Utah in our data; "Likely" and "Check" rows are not verified for Utah.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | UT |
|---|---|---|---|---|---|---|
| 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 Utah
Highest overall score among companies that serve Utah, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Utah
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 Utah. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Utah Regulates Home Warranties
Regulator
Utah Insurance Department
Legal framework
Home protection service contract providers (Utah Code Title 31A, Chapter 6a)
The Utah Insurance Department licenses home protection service contract providers, also called home warranty providers, which sell contracts covering a home's components, systems and appliances. Utah Code 31A-6a-104 requires a provider's contracts to be backed by a reimbursement insurance policy and to include specific statements about that policy and the Insurance Department's limited regulation. Older versions of the chapter also require an annual registration fee and record retention; check the current code for those details.
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 Utah Homeowners
Check the company's registration or license
Our sources show rules in Utah that name home warranties, home service contracts or residential contracts. Ask the Utah Insurance Department 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
Look for the required statements
Utah Code 31A-6a-104 requires a provider's contracts to be backed by a reimbursement insurance policy and to include specific statements about that policy and the Insurance Department's limited regulation. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Utah. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Utah
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Utah'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.
Utah Division of Consumer Protection
The Division of Consumer Protection moved to a fully online complaint process, which its Department of Commerce announced in 2021.
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 - Utah
Which home warranty companies serve Utah?
What is the best home warranty company in Utah?
Which home warranty plan has the highest HVAC coverage in Utah?
How much does a home warranty cost in Utah?
How does Utah's climate affect which plan to buy?
Where do I file a home warranty complaint in Utah?
How are home warranties regulated in Utah?
Neighboring States
Compare All Utah-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Utah, 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.