Our top rated Home Warranties for 2023
Here, you'll find the best home warranty options to protect your biggest investment - your home. Our team of home lifestyle experts has researched and evaluated top home warranty companies to bring you the most comprehensive coverage and peace of mind. Finding the right plan can be a daunting task, but with our expert guidance, you can rest assured that you're making an informed decision that fits your unique needs and budget.
Our Top 3 Home Warranty Picks
We’ve done our research and as things stand, the Taupe Home Top Home Warranty Companies are Liberty Home Guard, 2-10 Home Buyers Warranty, First American Home Warranty, Old Republic Insurance Group, American Home Shield & Cinch Home Services.
We look into a number of factors to determine our placement, including price, coverage, reviews, technology, and claims processing. This is something that we are always checking, and will make updates on a monthly basis.
- Our pick for best overall and the most consumer centric provider - Liberty Home Guard.
- Our pick for nationwide coverage - 2-10 Home Buyers Warranty.
- Our pick for low cost provider - First American Home Warranty.
- Our pick for most flexible contractor selection - Old Republic Insurance Group.
- Our pick for longest running company in the industry - American Home Shield.
- Our pick for coverage on pre-existing conditions - Cinch Home Services.
- $200 Off + 2 months free + roof leak protection
- Plans starting at $1/day with no commitment
- 24/7 claims support with dedicated account management
- Licensed & registered by state regulators
- Customer portal for 24/7 management of your account
Liberty Home Guard was selected as our top warranty provider. They offer comprehensive coverage and have the best customer portal among the providers we researched. Liberty stands out in its flexibility and variety of options available as well as their rapid response times.
The team at Taupe has tested LHG’s claims process from beginning to end. On three separate instances we filed claims through the portal and one claim was dispatched the same day with the other two being dispatched the very next day. Additionally, the Taupe team was able to interview current employees of LHG who reaffirmed our belief in their industry leading expertise.
Plans and Pricing
On average, you can expect to pay $79.99 per month or a discounted rate of $66.67 per month if paid annually. Your individual costs may vary depending on your chosen plan from Liberty Home Guard, known for offering a wide variety of options. The service fee ranges from $65 to $125, depending on your coverage and response time is typically within 48 hours, often even quicker based on our experience. Keep an eye out for promotions, as Liberty Home Guard offers discounted pricing at select times.
- Save up to 40% on home warranty quotes
- Protect more and pay less
- 97.5% claims paid
- 6M+ homes covered
2-10 Home Buyers Warranty is our top home warranty provider pick because it has excellent reviews and some of the most comprehensive coverage on the market. Most plans are available in most states.
Plans and Pricing
On average, expect to pay $400 to $700 per year. Depending on your plan, there are various service fees.
2-10 Home Buyers Warranty offers multiple services as per the Consumer's choice.
They have plans for every buyer, starting from a very nominal home warranty to complete home protection
- Covers improperly installed or maintained systems and appliances
- Affordable basic plan options with competitive coverage
- Unlimited service calls
First American Home Warranty is one of our top home warranty provider pick because it has excellent reviews and some of the most comprehensive coverage on the market. Most plans are available in most states. First American Home Warranty does not require a pre-inspection, and you can get a plan at any time, regardless of the age of your home’s systems and appliances.
Several positive reviewers highlight the company’s prompt services. “First American Home Warranty did exactly what I thought they should. … They get through any issues and solve a problem fairly quickly,” said one verified customer earlier this year. Another reviewer called it a “one-stop plan” for homeowners. Compare plans and coverage to learn more about First American Home Warranty.
Plans and Pricing
The base planes are starting from $500 per year. Depending on your plan, service fees are $75, $100 or $125.
You can add additional coverage. For the most accurate pricing and availability in your area, it’s best to contact the company directly for a quote.
Compare Home Warranty Reviews
How to choose a home warranty
To find the best home warranty company for you, look for one that you trust and select a plan that covers the home systems and appliances you consider essential. We suggest the following steps to help you choose the right provider.
1. Decide on the type of home warranty plan you need
The majority of home warranty providers offer three primary types of plans: appliances, home systems and combination plans. An appliance plan covers home items like your dishwasher and refrigerator. A home system plan covers a home’s plumbing, electrical and other systems. A combination plan will cover your home appliances and your systems.
Some companies have add-on options for other home items that don’t typically fall under these three categories, such as outside spas or hot tubs and swimming pools. Most customers opt for a combination plan, but some prefer coverage for appliances or systems only. If most of your home appliances are new and still covered under a manufacturer’s warranty, you may want to opt for a systems-only plan.
2. Know what you can afford
Home warranty providers charge a monthly premium for their services — this is generally from $25 to $50 a month. If cost is a significant factor for you, shop around for the best deal and consider choosing less coverage to reduce the price. In addition to the monthly premium, it's important to keep in mind that service call fees also range from $65 to $145 and can affect overall affordability. You can save money if you only get a warranty that covers the items you really care about.
3. Research providers and read reviews
Researching home warranty companies is the most critical step when choosing a plan. To get started, compare some popular companies side by side above.
4. Compare multiple quotes
Be sure to get quotes from multiple companies — some home warranty companies may offer price-matching. As you research, we recommend comparing:
- Monthly or yearly cost
- Service call fee
- Plan options
- Number of covered systems and appliances
- Available add-on coverage
- Service recall period (the length of time a warranty company guarantees a repair)
- Any caps, maximum payout limits or exclusions the company sets in its contract terms
Select your contract terms
The right terms for you vary based on whether you own a home, are buying a home or are planning to sell a home. Optimal coverage also differs based on the type of home that needs protection.
Home warranties for rental properties: Landlords benefit greatly from the security of a warranty. You’re protected against unexpected costs when major home systems or appliances malfunction, and you can budget the warranty price into your overall expenses and adjust your rental fees to cover the cost.
New construction home warranty: New construction warranties offer extra protection for new properties. These warranties are available in different terms, ranging from a one-year warranty to ensure the overall quality of the construction to 10- or even 20-year warranties for critical items, such as the home’s foundation.
Condo home warranty: A condo warranty is similar to a traditional house warranty. One unique issue condo owners encounter is finding coverage for shared home systems. For example, most condo warranties don’t cover an air conditioning system used by two condos.
Mobile home warranty: Mobile home warranties are like traditional house warranties, but they focus more on the systems and appliances most common in mobile homes.
Once you select a provider and are ready to make a purchase, the company will likely have a 30-day waiting period before your service contract goes into effect. Once this period has passed, you can typically use your home warranty as often as needed.
Read our Ultimate Guide to Home Warranties
Taupe is your home for all your home related questions and research. A single go-to for home projects big and small, we match you with personalized solutions, highly rated service pros, and make every effort to ensure that all pricing is fair and transparent regardless whether it is for house cleaning or a major remodeling project.
Taupe is absolutely free to use for homeowners. Our mission is to save your money, not the opposite.
No, reviews cannot be saved as drafts since we want to ensure that users leave the review immediately after their experience has been completed.
A home warranty—also known as home appliance insurance or home repair insurance—is a service agreement that homeowners can purchase from a home warranty company to help cover the unexpected cost of repairing or replacing faulty systems and appliances.
The home warranty plan chosen by the homeowner determines the monthly cost, service fee, which systems and appliances are covered, and how much the company will pay for repairs and replacements. Most plans last for 12 months. At the end of the contract term, customers can renew their plan.
Our proprietary algorithms are working 24-7, ingesting millions of data points per hour to ensure that the price you are quoted is fair and accurate. Additionally, we're constantly surveying customers, technicians, and industry experts so that our finger is where you need it, on the pulse of prices in the home services market.
Star ratings and reviews are how we measure the quality of a home services company. The star rating provides an overall score to the company while the review gives you the detail of the experience and what each individual star rating applies to.
If one of your covered household items breaks unexpectedly, file a claim with your home warranty company either online or over the phone. Note: Most companies require customers to submit a claim within three days of the system or appliance breaking. The best home warranties are open 24/7/365 and approve claims within 24 to 48 hours, but other companies will make customers wait up to four days on weekends and holidays.
Once your claim is approved by the home warranty company, they’ll either send one of their approved technicians to your house to diagnose the issue or allow you to choose your own contractor for repairs. The contractor will recommend a repair or replacement for your broken system or appliance.
During this service visit, you’ll pay the contractor a service fee of $75–$100 and the warranty company will cover the rest of the repair or replacement costs.
When shopping around for a home warranty plan, you’ll want to consider the items you want covered and your budget.
1. Consider what coverage you need. Think about which items in your home you want coverage for. Are there certain systems or appliances that you couldn’t afford to replace? Make sure that those are included when choosing a plan.
2. Choose a monthly price you’re comfortable with. If you pay monthly for a home warranty instead of paying an annual premium, you’ll likely be paying anywhere from $25–$67 for each month of coverage. You’ll also want to check the service fees, usually costing from $75–$125, and is paid to the technician who comes to your home when a claim is approved. Choose a price point that makes sense for you to narrow down your options.
A Home Warranty is worth it to you if it covers your home’s needs. Everyone and every homeowner is different, so picking the right home warranty is all about finding the right fit. Much like when buying a home, you will want to look around before purchasing your first home warranty. Depending on the size of your home, the State you're in and how you want to process future claims should have a big impact on your decision. Always ensure that you purchase from a Home Warranty company that is licensed to operate in your State.
A good Home Warranty will offer you the added benefit of peace of mind. It’s hard to put a figure on not worrying about the potential cost of a certain appliance breaking down, but with the right home warranty, you can be at ease, knowing that your appliances, systems, or both, are covered.
“IN 2021 40% OF AMERICANS DO NOT HAVE CAPITAL TO COVER AN UNEXPECTED $1,000 BILL. TO US, $30 A MONTH SEEMS LIKE A SAFE BET IN COMPARISON”
Advice from the Industry Experts
Our advice is to always read and understand the contract you are signing. Your Home Warranty is a service contract that you take out with the company so that, in the event that something breaks down that is covered in the contract, it will be repaired or replaced. With this said, it is of paramount importance to read and understand the details of any contract you sign. What’s good for you, might not be the best solution for another.
Another tip from us is to speak with the companies before making a decision. Yes, your home warranty is a service contract, but at the end of the day, someone needs to provide the service. Customer support and claims processing are an integral part of the home warranty experience. Making a few calls before committing is the smart thing to do.
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Our top picks
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Considering a home warranty?
A home warranty is the most convenient and affordable way to protect your home. Our articles and reviews of home warranty providers will help you find the right plan for your home.
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