We compared each company's published plans, reported prices, service fees, coverage caps, waiting periods, state availability and customer record. Full details are in how we rank. Prices are approximate and vary by address.
How we compared
1. Choice Home Warranty - best overall value
Two plans (Basic and Total), a $3,000 per-item cap and availability in 49 states at prices typically in the mid-$40s to high-$50s per month. Note its 2026 Arizona Attorney General settlement. Read the Choice review.
Top-Rated Providers
1
Our Top Pick
Choice Home Warranty
Read ReviewTwo simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states
- Basic & Total plans
- $3,000 per covered item
- Online claims, 24/7
- Available in 49 states
9.6
Exceptional
9.6
Exceptional
Two simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states
- Basic & Total plans
- $3,000 per covered item
- Online claims, 24/7
- Available in 49 states
Free Online Quote
2
American Home Shield
Read ReviewThe industry's oldest home warranty company - three plan tiers, a choice of service fee and some of the highest coverage caps
- ShieldSilver, Gold & Platinum
- Up to $5,000 HVAC coverage
- Choose a $100 or $125 fee
- In business since 1971
9.4
Excellent
9.4
Excellent
The industry's oldest home warranty company - three plan tiers, a choice of service fee and some of the highest coverage caps
- ShieldSilver, Gold & Platinum
- Up to $5,000 HVAC coverage
- Choose a $100 or $125 fee
- In business since 1971
3
Select Home Warranty
Read ReviewOne of the lowest-cost plans available, with frequent free-month and free roof coverage promotions
- Bronze, Gold & Platinum Care
- Low starting price
- Free roof leak coverage promo
- Multi-year plan options
9.1
Excellent
9.1
Excellent
One of the lowest-cost plans available, with frequent free-month and free roof coverage promotions
- Bronze, Gold & Platinum Care
- Low starting price
- Free roof leak coverage promo
- Multi-year plan options
2. American Home Shield - best for high coverage limits
The oldest name in the industry, with three tiers, up to $4,000 per appliance and $5,000 for HVAC, and permits/code coverage on ShieldPlatinum. Read the AHS review.
3. Select Home Warranty - best for a low price
Among the cheapest plans, with frequent free months and free roof coverage, but per-item caps reported around $500. Read the Select review.
4-7. First American, HWA, The Home Service Club and 2-10
- First American - high appliance limits and generous HVAC terms, but fewer states.
- Home Warranty of America - all 50 states and up to $5,000 on most repairs.
- The Home Service Club - no age limit on items, but low caps.
- 2-10 Home Buyers Warranty - low starting price and builder expertise, modest caps.
See our full rankings.
This article is general information, not legal, insurance or financial advice. Coverage, prices and terms vary by company, plan and state - always read the full sample contract before you buy.