With a huge variety of home warranty plans on the market, finding the best one that fit your needs, could be pretty tricky. We have analyzed more than 100 different home warranty programs by more than 2 dozen companies and are now representing you a selection of well-balanced, in terms of price and coverage, home warranty protection plans. Compare Top home warranty plans and more basic home protection plans below to choose wisely the one adequate to you:

Home Warranty Premier Plan

Cheapest Home Warranty Premier Plan providers

40.00
This is a great plan for those homeowners who prefer to get comprehensive coverage for their homes. It includes all major home systems, as well as kitchen and laundry appliances.
41.50
If you own a big house with two air conditioning and/or heating systems, this will be the perfect plan for you as it will cover them all, plus plumbing and electric systems, kitchen and laundry appliances, and some extras.
37.50
If you are looking for a comprehensive coverage for all major home systems and appliances, you don't have to look any further. This plan will cover them all.
“Everything Included in the Home Warranty Basic Plan + Many Extras”

Premier Home Warranty Plan is generally a more advanced plan that includes extra systems and appliances in addition to the ones covered by the basic plan. This is usually an extended home warranty plan and consider to be one of the top choices, if you need it. It may have different names in different companies. For example, creative managers in Old Republic Home Protection name it Ultimate Home Protection Plan.

In addition to the items listed under the basic coverage, this home service plan may include septic system, sump pumps, hot/cold water dispenser, garage door opener, and more. Some companies and providers make this home service plan available for home buyers only.

If you are a home seller, you can still find Premier home warranty plans at such companies as Total Home Protection or Choice Home Warranty. Total Home Protection Platinum Plan will cover up to 2 units for both Air Conditioning and Heating systems as well as an full-scale list of home appliances for $499 a year, and Choice Home Warranty Total Plan includes coverage for all major home systems and appliances for $450 a year. These are one of the best home warranty plans you can find in the market today. Overall, the cost for Premier Plan ranges between $27 and $42 per month. The average cost of a Premier home warranty plan is, naturally, higher than the average cost of a basic home protection plan.

Home Warranty Basic Plan

Cheapest Home Warranty Basic Plan providers

34.00
This is an excellent plan for the new homeowners to start with. It covers heating, electric and plumbing systems, and a whole range of kitchen appliances.
29.00
This plan will give you a taste of home warranty for a very competitive price. Plumbing and electrical systems are included, as well as a water heater, whirlpool, bathtub, and an exhaustive list of kitchen appliances.
29.00
This plan includes the very necessities: heating and air conditioning systems, and a water heater. It is great for the new home warranty customers.
“The Cheapest and The Most Home Warranty Basic Plan”

Home Warranty Basic Plan, also know as Home Warranty Bronze Plan in some companies like  America's 1st Choice Home Club, or Home Warranty Gold Plan in Total Home Protection, usually includes heating, electrical and plumbing systems and a limited number of major kitchen appliances: oven, built-in microwave, dishwasher, and refrigerator.

Some companies, like First American Home Buyers Protection, include clothes washer and dryer in their home protection plan. If you are a home seller, Basic plan will usually work best for you because it keeps your property protected while listed on the real estate market.

Home warranty plan cost in the Basic category usually runs between $25 and $40, depending on the service call fee. The more you pay for the home cover plan, the less the service call fee is, and vice versa. Service call fees can range between $60 and $125 per item.

If you are a new homeowner and a first time homebuyer (congratulations!), buying the home warranty basic plan might be the best decision for your needs. Start off from this protection plan, and see how it fits your needs. Many thrifty homeowners later add more items to their Basic Plan or switch to the next level service plan (“Premier”).

Home Warranty Systems Plan

Cheapest Home Warranty Systems Plan providers

36.00
Gold Care plan is an excellent choice for home systems coverage. It includes heating system, water heater, plumbing system, ductwork, A/C cooling, and electrical system.
26.95
This plan includes pre-existing condition and rust&corrosion coverage for A/C, heating, plumbing, and electrical systems. No inspection required. The pricing per month depends on the service call fee. See details in the review.
“A Home Warranty Program Only for Home Systems, No Appliances Included”

If you are one of those lucky homeowners who have just recently upgraded their home appliances and have them covered under the manufacturer’s warranty, the best home warranty plan for your needs may be served through the Systems Plan - A cheaper home warranty protection service. However, you must remember this is a limited home warranty program compare to the other home warranty programs.


For your convenience, some home warranty companies, such as TotalProtect Home Warranty or Select Home Warranty, prefer to separate home systems and appliances into two different home protection plans.

In Systems Protect Home Service Plan, they offer coverage for plumbing, heating, air conditioning, and electrical system, their parts and components. Systems plan may cost you between $23 and $36 a month.

Home Warranty Appliances Plan

Cheapest Home Warranty Appliances Plan providers

36.00
Bronze Care plan covers all major kitchen and laundry appliances: washer and dryer, refrigerator, oven built-in microwave, dishwasher and garbage disposal.
19.99
White plan is recommended for those homeowners who want to get coverage for the following appliances:  dishwasher, refrigerator, stove/cooktop, garbage disposal, oven range, built-in microwave, washer, and dryer.
18.95
This plan includes pre-existing condition and rust&corrosion coverage for major kitchen and laundry appliances. No inspection required. The pricing per month depends on the service call fee. See details in the review.
“Home Appliances Only, No Systems Included”

On the other hand, if you live a brand new house and don’t have to worry about your brand new home systems, but the manufacturer’s warranty for your home appliances, such as refrigerator, oven and dishwasher, has already expired, you might want to cover them under home warranty. This is also a limited home warranty program and does not cover other systems around the house like other plans. Thus, you must think twice before buying this home protection plan insurance when you consider purchasing a new home warranty program.


In this case, Appliances Plan offered by Select Home Warranty and other companies listed below will come in handy.

This home warranty plan usually includes such appliances as stove/oven/cooktop, built-in microwave, refrigerator, dishwasher, garbage disposal, and clothes washer and dryer.

The cost for the Appliances home warranty plan usually falls between $19, with the service call fee of $125, and $38 with a much cheaper service call fee of $75.

Home Warranty Combo Plan

Cheapest Home Warranty Combo Plan providers

42.00
Platinum Care plan will work best for you if you want to preserve your peace of mind by covering all major home systems and appliances in your house.
40.00
This plan is recommended to thrifty homeowners who want to save money on home warranty coverage. It includes all major home systems and appliances.
“A Top Home Warranty Plan that Covers Most Home Systems And Appliances”

The same companies that offer separate and limited home warranty plans for home systems and appliances, such as TotalProtect Home Warranty or Secure Home Warranty,  also have Combo Plans that combine coverage from these two service protection plans. It may also be called Elite Home Warranty Plan or Platinum Home Warranty Plan. Similar to Premier Plan and other extended home warranty plans, it includes most home systems and appliances.

Some homeowners start with Systems or Appliances plan, and switch to Combo plan later, but if you want to maximize the home warranty coverage program from day one, this type of home warranty plans will work the best for you. The price range for this home warranty plan lays between $32 and $42.

Home Warranty Optional Coverage

“Covers What Other Home Warranty Protection Plans Do Not Include”

Almost every company has a list of items that may be added to any of the home service protection plans mentioned above. These items may include pool and spa, water well, water softener, stand-alone freezer, additional refrigerator, central vacuum, septic tank, and many other items.

Additionally, some companies, like Select Home Warranty, include various services, such as roof leak repair, lawn sprinkler system and pest control. All these items are priced separately and usually not included in other home warranty programs.


There are some companies that offer one year home warranty plan. We do not recommend those kind of home repair warranty program, since it is usually more expensive and have only partial coverage.

 
Final Remarks about Choosing The Best Home Warranty Plan

Making a decision about buying a home warranty plan is easy. However, Choosing the Best home warranty program that fit your needs is the hard part. The variety of plans you can find on the market can be very confusing. Comparing home warranty programs should definitely be your first step in this process. Reviewing the terms and condition of the plans, whether it is an extended home warranty plan or not, is also an important step. Only then you are ready to choose out of the top home warranty plans mentioned above - the decision then will be a lot easier and in a very short period of time you will be able to find the home protection plan that fits your home and needs. Of course, buying the home warranty plan you chose is the last step.

One thing is certain, with this variety of plans and a lot of home warranty programs, regardless of whether you are a homeowner, home buyer or home seller, you will find the best home warranty plan that would give you peace of mind and save your bank account from the unexpected expenses on home repairs and replacements.