Protect your home from unexpected repair costs. Compare home warranty plans that cover repair and replacement of major systems and appliances when they break down — independently issued by warranty providers.
Simple protection for your home's systems and appliances
Select coverage that fits your home and budget
A covered item fails from normal wear and tear
Contact your warranty company online or by phone
Pay your service fee, contractor handles the rest
Choose the coverage level that fits your needs
$300 - $400/year
Service fee: $75 - $125
Essential coverage for major home systems
$350 - $450/year
Service fee: $75 - $125
Protection for kitchen and laundry appliances
$500 - $700/year
Service fee: $75 - $125
Comprehensive coverage for systems and appliances
$700 - $1,000+/year
Service fee: $50 - $100
Maximum coverage with additional benefits
Compare major providers (2026)
| Company | Annual Cost |
|---|---|
| American Home Shield | $450 - $750/year |
| Choice Home Warranty | $450 - $600/year |
| First American | $400 - $600/year |
| Select Home Warranty | $350 - $500/year |
| Cinch Home Services | $400 - $700/year |
Weigh the benefits and drawbacks
Make the most of your coverage
Understand exactly what's covered, coverage limits, and exclusions before signing up.
Document regular maintenance to prevent claim denials for 'lack of maintenance'.
Understand per-item and aggregate limits so you're not surprised when filing a claim.
Report issues as soon as they occur. Delays can lead to claim denials or secondary damage.
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We route your request to up to 3 vetted pros in our network who serve your area.
Matched pros call or text you with quotes — typically within hours.
Compare quotes, check reviews, and hire whoever you trust — or no one at all.
Skip the search — we already know what service you need. Get matched with vetted local pros, or see what homeowners typically pay in 2026.
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2026 national average ranges - Instant results
Common questions about home warranties
It depends on your situation. Home warranties are most valuable for: older homes with aging systems/appliances, buyers who can't afford unexpected major repairs, people who want predictable costs, and those who don't have trusted repair contacts. The average claim is $300-$500, while major repairs (HVAC, water heater) can cost $2,000-$10,000. If you save $50-$100/month for repairs instead, you might come out ahead - but many people don't.
Standard coverage typically includes: HVAC systems, plumbing systems, electrical systems, water heaters, kitchen appliances (refrigerator, oven, dishwasher), washer/dryer, and garage door openers. What's covered varies by plan and company. Always read the contract carefully - coverage limits, exclusions, and what counts as 'normal wear and tear' matter significantly.
Homeowners insurance covers damage from events like fire, theft, storms, and liability. Home warranties cover repair/replacement of home systems and appliances that fail due to normal wear and tear. You typically need both: insurance for catastrophic events, warranty for everyday breakdowns. They complement each other but don't overlap.
Key factors include: what's covered and coverage limits, service call fee amount, company reputation and reviews, claim process and response time, contractor network quality, waiting periods, and cancellation policy. Get quotes from multiple companies and read actual contracts - marketing materials often oversimplify coverage.
Most home warranty companies require you to use their network contractors. Some allow out-of-network contractors for an additional fee or in areas with limited coverage. Using your own contractor without pre-approval often means the repair won't be covered. Check this before signing up if contractor choice matters to you.
Compare plans from top providers and find the best coverage for your home.
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