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HomeWarranties101
Unbiased Reviews & Consumer Guides

Company Scorecard

Rate Any Home Warranty Company

Score any company using the same 8-factor methodology we use in our reviews. Each factor is weighted by its actual importance to consumers.

8 factors 100 points total
1. Coverage Breadth 2. Coverage Caps 3. Price and Value 4. Customer Satisfaction 5. Contract Fairness 6. Financial Stability 7. Transparency 8. Legal Record Total
1

Coverage Breadth

20 points

What the company covers compared to what you need.

Score Criteria
18-20 Covers all major systems and appliances; includes HVAC, plumbing, electrical, water heater, appliances; available add-ons for pool, well, septic
14-17 Covers major systems; some gaps in appliances or specialty systems
10-13 Major systems covered but notable gaps; limited add-ons
6-9 Significant coverage gaps; important systems excluded from base plan
0-5 Bare-bones coverage; major exclusions
Your score:
/ 20
2

Coverage Caps

20 points

Whether dollar caps are adequate for your market.

Score Criteria
18-20 HVAC cap $5,000+/unit OR no-cap model; adequate for most U.S. markets
14-17 HVAC cap $4,000-$5,000; adequate for most markets except high-cost
10-13 HVAC cap $3,000-$4,000; adequate for lower-cost markets
6-9 HVAC cap $1,500-$3,000; inadequate for most replacement scenarios
0-5 HVAC cap under $1,500 combined; largely symbolic in any market
Your score:
/ 20
3

Price and Value

15 points

Whether the premium-to-coverage ratio is competitive.

Score Criteria
13-15 Competitive premium; adequate coverage; low service fees; strong overall value
10-12 Reasonable premium; coverage adequate for price
7-9 Higher premium without proportionally better coverage; or low premium with poor coverage
4-6 Poor premium-to-coverage ratio
0-3 Significantly overpriced for coverage provided
Your score:
/ 15
4

Customer Satisfaction

20 points

How the company performs on actual claims.

Score Criteria
18-20 BBB rating A or A+; low complaint volume relative to size; complaints resolved promptly; Trustpilot/Consumer Affairs ratings above 4.0
14-17 BBB A-; moderate complaint volume; most complaints resolved
10-13 BBB B+; elevated complaint volume; mixed resolution pattern
6-9 BBB B or below; high complaint volume; pattern of unresolved complaints
0-5 BBB F or NR; pattern of systematic denial complaints; no resolution effort
Your score:
/ 20
5

Contract Fairness

10 points

Whether contract terms are reasonable for consumers.

Score Criteria
9-10 Clear definitions; reasonable pre-existing condition standard; fair dispute resolution; transparent sub-caps; 30-day free-look
7-8 Minor concerning terms; generally fair
5-6 Some unfavorable terms; broad pre-existing exclusion or mandatory binding arbitration
3-4 Multiple unfavorable terms; definitions favor company significantly
0-2 Contract heavily stacked against consumer; obscure exclusions; aggressive arbitration clause
Your score:
/ 10
6

Financial Stability

5 points

Whether the company can pay claims.

Score Criteria
5 Publicly traded or owned by major financial company; reinsurance backing; long operational history
4 Established company (10+ years); backing company visible; no financial distress signals
3 Moderate history; less transparency on backing
1-2 Limited history; unknown backing; financial distress signals present
0 No visible financial backing; newly formed; signs of instability
Your score:
/ 5
7

Transparency

5 points

Whether the company is honest and clear about what it offers.

Score Criteria
5 Contract available before purchase; caps clearly stated in marketing; no deceptive claims; clear pricing
4 Generally transparent; minor marketing overstatement
3 Contract available but not prominently offered; some vague marketing claims
1-2 Difficult to get contract; misleading marketing; caps buried in contract
0 Won't provide contract; deceptive "unlimited" coverage claims
Your score:
/ 5

Total Score

Factor Weight Your Score
Coverage Breadth / 20
Coverage Caps / 20
Price and Value / 15
Customer Satisfaction / 20
Contract Fairness / 10
Financial Stability / 5
Transparency / 5
Legal Record / 5
TOTAL / 100

Score Interpretation

80-100

Top-tier

Strong across all dimensions.

65-79

Good

Meaningful strengths; some weaknesses to know about.

50-64

Average

Check which factors are low before buying.

35-49

Below average

Specific concerns worth investigating.

Under 35

Red flags

Significant red flags. Look at other options.

Compare to Our Reviews

American Home Shield AFC Home Club 2-10 HBW All Reviews