Top Home Warranty Companies in the USA (2025 Edition)



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.

 

 

 

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