Top Home Warranty Companies 2021

Protect yourself from unexpected repair costs

Top Home Warranty Companies 2021

Looking to protect your home and appliances from costly repairs or replacements? We’ve vetted and compared dozens of the best home warranty companies and analyzed thousands of home warranty reviews.

Top Home Warranty Companies 2021

Protect yourself from unexpected repair costs

Last Updated : 08/01/2021

Customer Choice

Editor Choice

Stories from our community

Kenji Moss – Choice

The best Customer service I have experienced! Jimmy, the Service Manager at Choice was quick to answer all my questions. In fact, he offered me with the most comfortable choice after hearing and understanding all my needs for a basic coverage. The plan he offered had a reasonable monthly fee and gave me absolute peace of mind for any future repairs, if and when needed.

Kenji Moss – Choice

Chicago Illinois
Kurt Xanders – Complete

It’s certainly not a good thing to come back home from work and see your water heater not working in the mid of the winter season. I made a claim and asked them to send a technician at the earliest to fix the problem. And thankfully, they did understand the situation and sent a technician the very next day. I am so grateful to Complete care for listening to their customers and taking action soon.

I have no doubt that I will continue to take their services for longer times, especially after experiencing their services and offers first hand. I just hope that they offer added benefits to their long-time customers. And I will surely suggest it to my friends and family looking for home warranty services.

Kurt Xanders – Complete

Diane Benson – Liberty

I have never shopped a home warranty service before for any of the previous houses, and so I had absolutely no clue about it. We went along with another company initially and they had a 30 day waiting period between two claims. Additionally, their customer service was really poor. They would just keep on their waiting line for 15 minutes straight. That’s what triggered me to change it and look for another home warranty.

After a lot of study and checking we chose Liberty and we have been really happy with their prompt services. Right from their customer services, claims department, their team of technicians, and all, they have proved that their proficiency perfectly. This is my first time writing a review, and I am thankful to the Liberty team!

Diane Benson – Liberty

Newark, NJ

What Is A Home Warranty?

A lot of people have this question, what is a home warranty? To put it simply, a home warranty is a yearly service contract that will protect specific home systems and appliances. Imagine you discover water leaking out of your dishwasher. If you got a home warranty that includes coverage for your dishwasher, the warranty can cover its repair or replacement.

Normally, home warranties can cover heating, those things breaks air conditioning systems, and plumbing. Appliances covered can include the dishwasher, oven, and washer/dryer. When one of and is in the contract, the home warranty company can fix them or replace them.

The Reason Homeowners Need A Home Warranty

If you own a home currently, ask yourself when was the last time you had an appliance, heating system, or air conditioning break down? If you happen to be like a lot of homeowners, the answer will either be last year, this year or maybe even last week. Everyone knows appliances and home systems will eventually break. A home warranty provides some protection against the inevitable wear and tear of the things that are covered.

First-time homeowners can also benefit from home warranty coverage. A lot of times, extra funds are in short supply throughout the first few years of homeownership. Surprise expenses can potentially derail dreams of updating or improving the newly-bought home.

Why Buyers And Sellers Need To Have Home Warranty-

If you happen to be buying or selling a home, a home warranty can help protect your budget.

For buyers, the home warranty protects them from expensive repairs when a covered appliance or system fails.

For sellers, the home warranty protects them from unexpected repairs that can be needed while the home is listed. Maybe you’re selling a home and looking to buy another. You wouldn’t want the sale to be postponed or derailed if a covered item happens to break down in the middle of negotiations.

What Does A Home Warranty Cover

Home warranties typically cover the major systems and appliances in your home. This means that all of the components that keep your home protected from damage and functioning properly are included.

  • Central air conditioning
  • Central heating
  • Humidifiers
  • Electrical systems and wiring
  • Refrigerators
  • Ovens and cooktops of any kind
  • Dishwashers
  • Dishwashers
  • Microwaves (the built-in kind)
  • Water heaters
  • Garbage disposals
  • Washers and dryers
  • Garage doors and openers
  • Roofing

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The Questions You Should Be Asking Your Home
Warranty Company

All homeowners, especially those with older homes, should have an appliance warranty plan. The average person is so eager to choose a plan that they forego research and rely solely on recommendations from friends and family instead. Although it may sound like a good idea in theory, practically speaking, choosing the right home warranty plan requires more than just depending on the word around town.

Online Research & Study

With a click of a button, anyone, anywhere can access pretty much anything out there; along with home warranty companies’ ratings and reviews.

We always advise our readers to research a variety of companies before settling on one. With that being said, while online research does indeed provide helpful information, it is also important to turn elsewhere before making a decision. Before signing a warranty contract, or any contract for that matter, it is crucial to ask a few important questions.

Questions For An Appliance Warranty Company

These are the questions you need to raise to your home warranty provider. If they fail to provide you with details or reply with very unclear, vague answers, they may not be the most reputable out there.

Standard plans are usually the best-sellers for home warranty companies. Why is that the case you ask? They cover most basic systems and appliances, and they’re priced to sell. For those looking to purchase a standard plan, be sure to ask about annual premiums as well as coverage. Your best bet is to approach a few companies for a free quote. This will ensure you’ve received the most budget-friendly option.

You’ve probably heard companies claim they’ll replace an appliance that can’t be repaired. Unfortunately, this isn’t always the case. What they really mean is that they’ll give you some money to replace the damaged appliance with a similar model. What they forget to mention is that there is often a maximum on the amount that can be claimed. Some companies have a higher upper limit than others, so be sure to ask.

Almost all home warranty companies increase the annual premium each year. Even if you didn’t claim anything in a given year, you may still face an annual increment. We recommend simply asking if they do in fact impose a yearly increment, and if so, how much it is.

Although we wish it weren’t the case, there is no perfect home warranty plan out there. Not all damages to appliances are covered, and most companies will spell out what is covered, and what isn’t. If after reading the fine print, you still have questions, reach out to a representative and ask about coverage limitations.

What happens when you aren’t satisfied with the repair job? Customers have reported calling the home warranty company, paying the deductible twice and finishing the process with a big headache. Most reputable home warranty companies guarantee their repair jobs, something to definitely look out for in your search. Ask your potential provider whether they also have this sort of system in place.

Most home warranty companies will tell you about their plans, pricing and coverage; rarely do you see a section about how they handle disputes. When most of these companies have a dispute with a customer, they prefer to leave the court out of the matter. This question is crucial, so don’t forget to ask it!

Ask about the company’s deductible amount. Most home warranties charge a service fee when filing a claim. The fee ranges in price from company to company. Decide how much you’re comfortable paying before committing to a policy with a deductible.

The Final Word

Before choosing a home warranty company, make sure to do a bit of research. It is also recommended to visit and to read feedback hosted on our site from thousands of actual customers. Best of luck in your search to find the right home warranty company for you.

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