Best Home Warranty Insurance Plans in the USA: A 2025 Guide



In case your residence is in need not only of the protection but also budget save from unexpected repair, a home warranty insurance plan might be more than a live saver.

Whereas homeowners insurance takes care of the expenses in case of damage resulting from natural disasters or theft, a home warranty will provide you with the coverage of major appliances and systems that have broken down purely due to wear and tear.

A situation where everything from water heaters and HVAC systems to refrigerators and plumbing is covered can mean one thing - peace of mind is guaranteed.

If there are a plethora of providers in the US, how would you decide on the best? This text contains the reviews of some top home warranty insurance plans for the USA that are definitely here still in 2025. The special features of each plan that make each a leader will be also revealed.

What Is a Home Warranty?                                             

A homewarranty is a warranty contract that covers the replacement or repair of major home systems and appliances which due to their regular use have become nonfunctional. 

The majority of these contracts require their holders to pay a regular fee, either monthly or annually, as well as a certain amount of money to a contractor, typically $75 to $150, each time when a service is provided.

For the following people these plans are indeed beneficial:

ü  First-time homebuyers

ü  Landlords or real estate investors

ü  Owners of older houses

ü  Busy people, who do not want to spend much time for the repair process



Best Home Warranty Insurance Plans in the USA

1. American Home Shield (AHS)

Top-rated in the category of Full Coverage.

It is beyond doubt that American Home Shield has a high reputation in the industry, with over 50 years of experience. The company presents adaptable plans, which are not only economical but also highly convenient in terms of coverage.

Key Features:

ü  23 systems and appliances are covered

ü  Plans with additional options that can be personalized

ü  Covers items that have nothing to do with age, make or model

ü  Requests are accepted around the clock

Plans & Pricing:

ü  ShieldSilver: The basic system service such as HVAC, electrical, plumbing.

ü  ShieldGold: Appliances that include washers, dryers, and ovens.

ü  ShieldPlatinum: Unlimited plus roof leak repairs.

Service Fee: $100–$125 each visit

Average Annual Cost: $500



2. Choice Home Warranty

Ideal For Beginners

Choice Home Warranty makes it easy for affordability-conscious consumers, particularly for first-time homebuyers looking for a straightforward and inexpensive home warranty service.

Key Features:

The basic plan includes coverage for HVAC, plumbing services, and important appliances.

90-day workmanship guarantee.

A vast network of licensed technicians is available across the country.

Plans & pricing:

Basic Plan: Covers 14 home systems and appliances.

Total Plan: Everything under Basic Plan alongside AC, washer/dryer, and fridge.

Service Fee: $85 per visit.

Range of $500–$700.

Pros: Affordable with reliable coverage for critical home systems.

Cons: Fostered limited scope for fines customization, narrowed options, and certain exclusions in the fine print.

 


3. Liberty Home Guard

Best Customer Satisfaction and Custom offers.

Despite being newer, A rated by BBB shows alright trust signals. Home Guards grows quickly due to strong service and flexible plans.

Key Features:

Offering 60 plus add ons from pools to electronics.

Customer support is responsive at all levels.

Warranty offered are far too generous.

Plans & Pricing:

ü  Appliance Guard: only appliance coverage.

ü  Systems Guard: only home systems.

ü  Total Home Guard: combined plan.

ü  Service Fee: $60 - 125$

ü  Average Annual Cost: $500–$800

Pros: Best customer service attention rated, wide choice of add-ons.

Cons: Cost varies depending on location and size of the home.


4. Select Home Warranty

Best for Budget-Friendly Plans

If you’re looking for value without compromising on essential protection, Select Home Warranty offers affordable plans that offer in-app extras like free roof coverage.

Key Features:

  • Covers roof leaks at no extra cost
  • Three main plans with clear pricing
  • Network of over 10,000 contractors

Plans & Pricing:

  • Bronze Care: Appliances only
  • Gold Care: Systems only
  • Platinum Care: Full coverage
  • Service Fee: $75 per visit
  • Average Annual Cost: $400–$650

Pros: Competitive pricing, includes roof coverage

Cons: Limited customization, slower claims process reported

5. Cinch Home Services

Best for Extra Benefits

Cinch Home Services also offers a few standout benefits like a $500 reimbursement for homeowner’s insurance deductibles and energy efficiency upgrades.

Key Features:

Includes rust and corrosion coverage

180-day workmanship guarantee

Digital dashboard for service tracking

Plans & Pricing:

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service Fee: $100–$150

Average Annual Cost: $600–$900

Pros: Modern customer tools, strong guarantees

Cons: Higher service fee options



How to Choose the Right Home Warranty Plan

Here are a few tips to help you make the best choice:

  • ü  Evaluate Your Needs: Older homes, or those with older appliances, may require more comprehensive coverage.
  • ü  Compare Plans & Exclusions Not all plans cover pre - existing conditions or items that weren't properly maintained.
  • ü  Know How the Claims Process Works: Look for providers that offer 24/7 support and a user-friendly claims platform.
  • ü  Try looking at reviews and ratings. BBB, Trustpilot and Google reviews can give you clues as to whether they are respected by customers.

Final Thoughts

It’s not 100% perfect. If you want to save money on those unforeseen home repairs, a home warranty plan can save you thousands.

But with the right provider, it will save you money in downtime, repair costs and peace of mind. These providers are the best home warrantyinsurance plans for 2025 in the USA.

I think you'd like to read through the contract and make sure everything is in writing: what is included or excluded; and ask at least 2 companies to bid on it so you're getting the best deal.

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