With a huge variety of home warranty plans on the market, finding your way around 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 plans.

Compare home warranty plans below using our extra-easy guidance.

First of all, you need to decide what you want to cover under home warranty: home systems, home appliances, or any combination of those? Remember that a plan’s price is proportional to its coverage – premium plans cover more than basic plans. Be sure to read our in-depth home warranty plan reviews of each company to learn about its policies.

 

Premier Plan

“Everything Included in the Basic Plan + Many Extras”

Premier plan is generally a more advanced plan that includes extra systems and appliances in addition to the ones covered by the basic plan. It may have different names in different companies. For example, creative managers in Old Republic Home Protection name it Ultimate Protection Plan.

In addition to the items listed under the basic coverage, this plan may include septic system, sump pumps, hot/cold water dispenser, garage door opener, and more. Some home warranty companies make this 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. Overall, the cost for Premier Plan ranges between $27 and $42 per month.

Cheapest Premier Plan providers

Company Rating Premier Plan Cost
 Choice Home Warranty Review
4.95 Stars
40.00
 Total Home Protection Review
4.73 Stars
41.50

Basic Plan

“The Cheapest and The Most Basic Plan”

Basic Plan, also know as Bronze Plan in home warranty companies like  America's 1st Choice Home Club, or 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 it. 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 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!), the  basic plan might be the best home warranty plan for your needs. Start off from this 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 plan (“Premier”).

Cheapest Basic Plan providers

Company Rating Basic Plan Cost
 Choice Home Warranty Review
4.95 Stars
34.00
 Total Home Protection Review
4.73 Stars
29.00
 America’s 1st Choice Home Club Review
4.6 Stars
29.00

Systems Plan

“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 warranty plan for your needs may be served through the Systems Plan.

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 plans.

In Systems 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.

Cheapest Systems Plan providers

Company Rating Systems Plan Cost
 Select Home Warranty Review
4.75 Stars
36.00
 TotalProtect Home Warranty Review
4.19 Stars
26.95

Appliances Plan

“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.

In this case, Appliances Plan offered by Select Home Warranty and other home warranty 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.

Cheapest Appliances Plan providers

Company Rating Appliances Plan Cost
 Select Home Warranty Review
4.75 Stars
36.00
 TotalProtect Home Warranty Review
4.19 Stars
18.95
 American Home Shield Review
4.15 Stars
18.99

Combo Plan

“Covers Most Home Systems And Appliances”

The same companies that offer separate 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 plans. It may also be called Elite Plan or Platinum Plan. Similar to Premier Plan, 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 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.

Cheapest Combo Plan providers

Company Rating Combo Plan Cost
 TotalProtect Home Warranty Review
4.19 Stars
33.95
 American Home Shield Review
4.15 Stars
33.99

Optional Coverage

“Covers What Other Plans Do Not Include”

Almost every home warranty company has a list of items that may be added to any of the 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.

In summary, we can say that with this variety of plans, 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.