Home ownership often catches us off guard with unpredictable maintenance and unexpected repair costs.
In the case of a defective HVAC system, a damaged dishwasher, or a broken pipeline, the bills can grow faster than one can earn. This is where a home warranty can save the situation.
A home warranty guarantees that the major systems and appliances can
be fixed or replaced due to wear and tear and homeowners can protect themselves
by avoiding the cost and gaining peace of mind.
Dozens of firms
are working as home warranty service providers in the U.S., so it may become
difficult to make a choice that will be correct for you.
We have reviewed
and broken down the best home warranty companies in the USA for 2025 by the
account of coverage, customer satisfaction, cost, and service reliability in
this post.
1. American Home Shield (AHS)
Best OverallCoverage
Founded: 1971
BBB Rating: B
Availability: 49
states (excluding Alaska)
American HomeShield is seen as a distinguished leader in the field of home warranties and is
best known for its wide range of coverages that are also very flexible. AHS has
several plans that cover a wide array of risks, giving homeowners a
considerable amount of freedom. Different tiers of service are also available
to the buyer.
Key Features:
- Covers up to
23 home systems and appliances
- Customizable
plans with add-on options
- No home
inspection required before coverage
- Covers items
regardless of age or condition
Pricing:
- Plans range
from $500 to $900 annually
- Service fee:
$100–$125 per claim
Pros: They have a
substantial, long-running business.They have inclusive and adjustable plans.You
can file a claim 24 hours a day.Cons:You will have to pay a premium that is
higher than the norm each month.
2. Choice Home Warranty
Fit for
Simplicity and Affordability
Established: 2008
BBB Rating: B-
Availability:
Less Washington.
Choice HomeWarranty is the perfect solution for homeowners who want economical and
hassle-free service. Their offerings are clear and include many various systems
and appliances.
Key Features:
- Services
included are HVAC, plumbing, electrical installments, and home appliances.
- The company
has both Basic and Total options.
- 90 days of
free replacement service are guaranteed.
3. Liberty Home Guard
The Best Customer
Service and Add-Ons
Established: 2017
BBB Rating: A+
Availability: 48 states
Liberty HomeGuard offers outstanding customer service and provides an array of optional
add-ons. They are specialists in their specific needs and want to get the best
service possible, like pool equipment, pest control, or electronics.
Key Features:
- 60+
different coverage options
- Appliance-only,
system-only, or full plans
- Claims center
that operates 24 hours a day, 7 days a week
Pricing:
- Annual plans
cost from $500 to $800
- Service fee:
$60–$125 per claim
Pros:
- User
satisfaction ratings are very high
- Many options
for individualization
- Guaranty of
work on all repairs
Cons:
- Local dependencies
may have different coverage levels
4. Select Home Warranty
The Best Value
with Roof Coverage
Founded: 2012
BBB Rating: B
Availability: Nationwide
Select HomeWarranty is a great choice for many as it adds a key value at an affordable
price by providing roof coverage with every plan, a feature in which most of
Select Home Warranty’s rivals charge more for.
Key Features:
- Free
coverage of the roof is included in each plan.
- Plan options
Gold, Platinum, Bronze.
- An extensive
network of contacts
Pricing:
- Annual plans
go from $400 to $650
- Service fee:
$75 per claim
ProsQuick claim processing
Cons:
- Limited
additional features on offer
- Not having
enough coverage to cover expensive appliances
5. Cinch Home Services
Best for Unique
Benefits and Online Tools
Founded: 1978
(formerly Cross Country Home Services)
BBB Rating: B
Availability: 48
states
Without a doubt,
Cinch Home Services is determined to revolutionize the home warranty industry
now and in the future via its state-of-the-art digital platform and a slew of
its kind features including reimbursement for homeowners insurance deductibles.
Key Features:
- Coverage of
rust, corrosion, and unknown pre-existing conditions
- Includes
energy efficiency upgrades
- 180-day
period for workmanship guarantee
Pricing:
- Payment for
plans starts at $600 and reaches $900 per year
- Charge for a
service one time: $100–$150 per claim
Pros:
- Simple and
unlimited coverage
- Service
tools online are amazing
How to Choose the Right Home Warranty Company
Choosing the best
home warranty company is influenced by the age of the house, your appliances'
performance, your money, and your desired level of service. Here are the key
factors to bear in mind:
ü Coverage Options: Does the provider
insure the systems and appliances you consider top priority?
ü Cost vs. Value: Compare the sum of the
premiums and the service fees to make an approximate assessment of the total
annual costs.
ü Service Reputation: Find the reviews
of customers to rate the company, and visit the BBB site as well
ü Contractor Network: Is it a must for
you to know whether the technicians the company relies on are those that are
experienced? Tell the company your area to be very sure
ü Customization: If you think you need
your insurance to cover pools, septic systems, smart home tech, or any such,
then look for the ones with such facilities.
Final Thoughts
A home warrantypolicy doesn't only represent the contract but also stands for the shield that can resale you thousands of dollars or even more.
Be you a new homeowner, a
landlord, or someone with an older house, it is easy to find a provider that
will meet your expectations.
That given list of companies and specifically American Home Shield, Choice Home Warranty, Liberty
Home Guard, Select Home Warranty, and Cinch Home Services, are
considered the best home warranty service providers in the USA for 2025. Every
provider presents unique features, and the best option is dependent on what you
want most: price, coverage, customization, or service.
It is crucial
that you read the terms and conditions before committing to any decisions and
know exactly what is included, what is excluded, and how claims work. Today,
your understanding of the situation can assist you in the future if unexpected
events arise.