Аdvertiser Disclosure
Home > Best Home Warranty > Home Warranty For Duplexes

Top 5 Best Home Warranties For Duplex (2023 Review)

Top Best Home Warranty Companies For Duplex Review

Do you own a duplex and need home warranty coverage?

Perfect, you’ve come to the right place. In this guide, you’ll learn:

  • What is a home warranty for your duplex?
  • How much does a home warranty for a duplex cost you?
  • Is coverage worth it for your duplex?
  • How will a warranty plan for your duplex work?
  • What are the best home warranty plans for duplexes?
  • And much more!

After 100+ tests and 68 reviews, we at ReviewHomeWarranties.com want to help you find the best coverage for your duplex at the right price. Want to know more? Continue reading!

Editor's Choice

$200 Off + FREE Bonus Month
Claim Offer
Best Overall

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable

Limited Time: New Customers Get $50 Off
Claim Offer

Our Top Home Warranty for Duplex Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 Liberty Home Guard
Editorial Rating 98.00
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.60
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 4 Select Home Warranty
Editorial Rating 97.20
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  # 5 Cinch Home Services
Editorial Rating 95.30
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 24/7 customer service
  • Low cancellation fee

Top 3 Home Warranty Companies For Duplex (2021)

ProviderBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantyBest Overall$40 – $48$85B-
Liberty Home GuardBest Customer Service$40 – $60$60A
American Home ShieldMost Customizable$50 – $60$75 – $150B


Choice Home Warranty (Best Home Warranty for Duplex)

Choice Home Warranty is the best possible warranty for Duplex owners. Buying a duplex is a smart investment that can help you pay down a property incredibly fast. However, when problems start to come up at a duplex, and you are already trying to manage your own home, things get expensive and stressful. Choice Home Warranty’s affordable Basic or Total Plan will help to keep all appliances and systems in working condition at all times. 

Although there are several features about the Choice Home Warranty coverage that stands out, the most important is that both the Basic Plan and Total Plan cover both appliances and systems. Select Home Warranty, and American Home Shield will have you purchasing an all systems or all appliances plan with no crossover. For duplex owners that need a larger policy, to begin with these types of plans get expensive. The Choice Home Warranty plan gives a really good mix of coverage. 

Choice Home Warranty is one of the more affordable home warranty plans on the market, which will make a big difference when you own a Duplex. Think about the fact that both sides of the duplex will have appliances and systems that need to be covered. If your duplex is two stories and has a larger HVAC unit, Choice Home Warranty will still cover it. With Select Home Warranty only the first unit and only smaller HVAC units are covered. Overall the value and functionality of the Choice plan truly set it apart. 

As a Duplex owner, it’s important to eliminate the risk of an appliance or system break today. If you are ready to get started, Choice Home Warranty offers a free month and $50 off your plan. With no cancellation fees for the first 30 days, there is truly no risk to start your policy. 


  • Simple and easy to understand home service warranty contract for duplexes
  • Only a few exclusions in the Total Plan 
  • It does not matter if your duplex is new or old; you can still get coverage 


  • There is no option for a custom plan where you choose the appliances or systems covered
  • You cannot choose your own technician to do the work even with the premier plan 

American Home Shield (Most Customizable)

American Home Shield is the editor’s choice for Duplex owners. If you own a duplex, you know how important it is to ensure that your policy can cover both sides of the duplex. American Home Shield is one of the most customizable plans on the market. With AHS, you will be able to add anything you want to your policy to create a custom plan that works for your duplex. This is difficult to do with other companies that make you choose one of their set plans; however, AHS gives you the most flexibility in the plan you build. 

In addition to the flexibility in the plan, AHS has more than 50 years in the industry. This has helped them to build a wide range of contractors and technicians all over the country. The customer service and premium response times set American Home Shield apart. Unlike Choice Home Warranty and Select Home Warranty which comes with fixed deductibles or service fees, American Home Shield will allow you to choose what works best for you. With a duplex, the number of repairs you experience in a year could be pretty high. Therefore it may make sense to choose a plan with a lower deductible and higher monthly premium. Although AHS has some of the more expensive coverage on the market, it is well worth the price if it is custom to your needs. 

For duplex owners, it is always important to keep an eye on expenses and how they are going to impact your monthly budget. If you sign up for American Home Shield today, you will get $50 off your first month, helping to make this an easier decision.


  • Over 50 years in the business considered to be experts in the industry 
  • AHS gives customers the ability to customize the plan and payment options
  • A very broad range of coverage options with many add-on choices 


  • The pricing is higher than other companies 
  • BBB rating is only a B, some issues with customer service in the past 
  • Optional coverages for non covered appliances will increase the price of the plan

Select Home Warranty (Most Affordable)

Select Home Warranty is the best budget choice for home duplex owners. With duplexes having doubles of certain appliances and systems, it is essential to consider cost in a plan. Select Home Warranty has a low deductible of just $65. Compared to Choice Home Warranty at $85, you can see the instant savings in going with the Select Home Warranty plan. Select Home Warranty offers a systems plan, appliance plan, and combo plan. Although the individual systems and appliance plans don’t offer quite as much coverage as other plans, they will solve problems for those on a strict budget. 

In addition to the fair pricing of the plans, it is also important to note the free coverage that Select Home Warranty offers. With this policy, the free roof leak coverage for your duplex could save quite a bit of money. With free roof leak coverage, duplex owners have peace of mind about yet another issue that could go wrong. Select Home Warranty is no longer a new company on the market; with more than ten years in the industry, they are starting to grow their brand and reach many of the same customers that Choice Home Warranty has through the years. 

The best sign-up incentive on the market is going to come from Select Home Warranty. For duplex owners on the fence about whether or not this plan makes sense, getting $150 off, two months free, and 30 days of free cancellation should be enough to seal the deal. This is a perfect time to take advantage of the Select Home Warranty.


  • One of the most affordable plans for duplexes on the market
  • Plan choices are simple and straightforward
  • Free roof leak coverage with the Total plan 


  • $75 Cancellation Fee
  • Must file a claim quickly, or it will potentially be denied  
  • Lower policy limits may not cover full replacement costs, especially in a duplex with so many appliances   

Owning a duplex as a rental property is no easy feat. Not only do you have to find and vet prospective tenants, but you also need to regularly maintain your duplex so it’s in good livable condition for years on end.

In fact, systems and appliance repairs are among the largest sources of stress for any duplex owner. With two units to take care of, staying on top of your property’s maintenance needs can be tricky, to say the least.

Thankfully, a quality protection plan from a home warranty provider can give you the peace of mind you need to deal with unexpectedly broken appliances and home systems. They can also provide some much-need financial protection from major repair costs that eat away at your monthly income.

But, is it even possible to get a home warranty for a duplex? Up next, we have answers to all of your most important questions about warranty plans for your rental duplex, complete home warranty reviews of the best policies on the market today.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

What Is Home Warranty Coverage For Duplexes?

A home warranty for a duplex is a way to lower your annual repair and maintenance costs on your rental property. With a quality warranty plan, you’ll be protected from huge repair bills if you need to fix or replace any of your duplex’s major appliances or systems, like your air conditioner, because of problems caused by normal wear and tear.

Read Also: What Is The Best Appliance Insurance?

In exchange for an annual premium, a home warranty plan will cover your repair bills up to a set dollar amount each year. This means more money in your bank account and fewer annual out-of-pocket expenses for maintaining your duplex.

What Does A Warranty For A Duplex Cost?

For a duplex, the average home warranty costs between $600-$1200 for the entire building or about $300-$600 per unit. However, the cost of a home warranty can vary quite a bit, depending on a number of factors.

Two of the most important factors that affect your warranty plan’s cost are the size of your duplex and the location of the property.

Additionally, the amount and type of coverage you want will affect the cost of your annual premium. When shopping for a home warranty, you can often choose between the following types of plans:

Basic Plan

A basic plan generally covers the most essential components of a house, including the electrical system, ductwork, plumbing system, cooktop, and stove. However, these plans won’t generally cover things like a pool, spa, or well pump. So, they’re best for landlords that want affordable coverage for just the most critical parts of their duplex.

Read Also: What Are The Recommended Companies For Landlords?

Premium Plan/Combo Plan

Premium plans (also known as combo plans) will usually include coverage for everything included in a basic plan, plus appliances like clothes washers and dryers, whirlpool bathtubs, and garage door openers. 

Premium plans often provide some of the most comprehensive coverage you can get. They are an excellent choice for people who want complete protection from any unexpected expense in their homes.

Appliance Plan & Systems Plan

Instead of offering a “basic plan,” some home warranty companies have appliance and systems plans. As the names suggest, appliance plans provide coverage for appliances like garbage disposals, while systems plans protect your heating, plumbing, air conditioning, and electrical.

Appliance plans are often a good option if you’re looking to cover just one of the units in your duplex. Since home warranties on single units within a multi-family home will not cover shared systems, like air conditioning or plumbing, an appliance plan is often the best choice.

Alternatively, if you’re planning on protecting the entire duplex, then you’ll be able to get coverage for all of the building’s systems through a standard systems plan. If your goal is to cover the entire property on one warranty, a combo plan might be the best and most economical decision you can make.

best home warranty for duplex facts review

Build Your Own Plan

Finally, some companies will allow you to build your own warranty plan. This is an ideal option for a landlord that wants to fully customize their coverage and only protect specific systems and appliances. 

It’s also a solid choice if you’re looking to include certain items, like septic systems and sump pumps, which aren’t often included in standard warranty plans. “Build Your Own” plans tend to be more expensive than other options, but they offer the most customizable coverage for your duplex.

Are You A First-Time Buyer? Check Out This Article!

Is A Home Warranty For A Duplex Worth It?

Simply put, a home warranty is definitely worth it for your duplex. Here’s why:

Coverage For Major Repair Costs

As a duplex owner, you have to deal with frequent repairs and maintenance calls for both of your tenants. This can get expensive quite quickly, even if the repairs are actually quite minor.

Now imagine what would happen if you had to deal with two major repairs at the same time. This could really impact your monthly income or even cost you money.

A home warranty helps cover most, if not all, of the cost of big home repairs, whether it’s a cooktop malfunction or a broken air conditioning system. In fact, they’ll generally cover replacement costs for essential home systems, which can save you a whole lot of money in unexpected expenses.

Protects Your Investment & Increases Rental Value

Your duplex is a major investment, so you want to be sure that you can continue to rent it out for years on end. The best way to do this is to stay on top of regular repairs and maintenance of your duplex’s most important systems and appliances, like your water heaters, heating system, or plumbing.

The right plan from a reputable home warranty company can help you stay ahead of the curve on these repairs since you’ll have financial support along the way. Instead of putting off repairs because you don’t have the cash on hand now, with a home warranty, you can keep your home’s appliances and systems up to date. This also means you can charge more for rent because you’re offering a better quality housing option to your tenants.

Read Also: What Are The Top Home Warranties For Rental Properties?

Simplified Repairs

Let’s face it: Dealing with constant repairs is one of the most challenging parts of being a landlord. Getting phone calls in the middle of the night because a dishwasher is broken isn’t exactly anyone’s idea of a good time, but it needs to be done.

With home warranty coverage, though, you don’t have to spend hours searching for a service provider that can come to your house to complete your repairs. Instead, you can just submit a quick service request to your home warranty company, and they’ll send a service contractor straight to your duplex to deal with any issues that have cropped up.

This benefit is particularly valuable if you live far away from your duplex or also work another job. Since you just need to submit a service claim instead of searching for a qualified contractor, repairs for your duplex are much easier with a home warranty.

Curious about renting out your duplex? Check out this on why investing in a duplex is a great investment.

Covers What Business And Homeowners Insurance Won’t

You almost certainly have homeowners insurance or business insurance on your duplex, and for a good reason. It’s important to have these insurance policies, so you are protected if your duplex has a fire or if it’s affected by a natural disaster, like a flood or an earthquake.

But, your insurance company won’t help you if you need to repair your HVAC system or upgrade your duplex’s central vacuum. In these situations, a home warranty is the best thing to have if you want help paying for repairs or replacement of home appliances and systems. At the end of the day, your home warranty will cover what your homeowners insurance won’t.

Saves You Money On Your Taxes

If you own a duplex, chances are pretty high that you rent it out as part of your monthly income, making you a self-employed business owner. Interestingly, home warranty premium payments are considered a business expense, so you can likely use them as a deduction on your annual taxes.

Thus, home warranties not only protect your bottom line, but they can save you money each year come tax time. This makes them a great investment for any duplex rental property.

Increased Resale Value On The Real Estate Market

A home warranty can even help you get a better resale value on your duplex should you choose to sell it in the future. Not only does a warranty make it financially easier to repair and replace outdated home systems and appliances frequently, but it can also increase your building’s sale price.

Real estate agents often advise their clients to have warranties on their properties. Doing gives prospective home buyers the peace of mind they need to know that they’ll be covered if there’s an issue with the duplex after closing.

How Do Warranties For Duplexes Work (Are They Unique)?

For the most part, home warranty companies will cover duplexes under their standard plans. But, while warranty plans for duplexes aren’t unique to that specific type of property, there are some steps you should follow to ensure that you’re making the most of your coverage. Here’s how the whole process works:

Step 1: Identify Your Priorities

As a duplex owner, you have a lot on your plate. You’re in charge of maintaining your property, finding tenants, and helping them with any problems that might arise.

So, when searching for the right warranty service contract for your duplex, be sure to start by listing out all of your coverage priorities. Consider what’s most important to you and your needs and be sure to prioritize these items when looking at different plans. 

Step 2: Get A Home Inspection

Technically, this step isn’t required when you purchase a warranty, but it’s highly recommended, particularly if you own an older duplex. Most home warranties will not cover pre-existing conditions, so you’ll want to know if your property already has any issues before you sign up for a plan.

If the inspector finds any problems in your duplex, it’s best to fix them before starting your own warranty. That way, you can be confident that any future issues are caused by normal wear and tear, not a preexisting condition.

Step 3: Get A Free Quote And Choose A Plan

Now that you have your priorities set and the home inspection out of the way, it’s time to choose a plan for your duplex. Since a duplex warranty can cost between $600 and $1200, it’s best to get a free quote from companies to see what your premium will be before committing to a plan.

Step 4: Wait For The Grace Period To End

After you purchase a warranty plan, you’ll have to wait for a grace period to end before you can make your first claim. This waiting period is generally around 30 days long.

But, the best home warranty companies will waive this grace period if you already have coverage and are just looking to switch providers or plans.

Step 5: Make A Claim

Once the grace period is over, you can go ahead and make a claim on your warranty whenever a covered item needs a repair or a replacement. To submit a claim, you generally need to call or message your company’s service center to request a repair. Most providers have a 24/7 call center that’s available to help you at any time of day.

Step 6: Pay The Service Fee

Every time you submit a claim on your home warranty, you’ll have to pay a service call fee. This fee is generally between $60 and $120 and is designed to cover the cost of sending a repair technician to your home. Usually, the service fee is charged just once per home service request and you can think of it as similar to a copay at a doctor’s office.

Step 7: Get Great Repair Service

Your home warranty company will arrange for a contractor to come to your duplex to fix any problematic appliances or systems. This easy service from your home warranty will help ensure that your repairs are completed promptly and with minimal hassle. 

The warranty company will then cover the cost of any repairs or replacements up to the maximum value stated on your service contract.

The best home warranty companies have an extensive network of contractors ready to fix any covered item in your duplex. So, no matter if your home is in a bustling downtown area in New Hampshire, an ocean-side duplex in Hawaii or a multi-family home in Alaska, you don’t have to worry about finding a contractor on your own.

Final Thoughts On Purchasing A Home Warranty For Your Duplex

As a duplex owner, you already have a lot to worry about. Paying for costly appliances and systems repairs shouldn’t be one of them.

A home warranty is one of the best ways to protect your real estate investment while also ensuring that you don’t spend an excessive amount of money on maintaining your property each year. Ultimately, a home warranty is a must-have for any duplex owner.

To keep your duplex protected, we recommend coverage from Choice Home Warranty, as they offer affordable annual premiums and low service fees, coverage of your unit up to 5,000 feet and great customer service available 24/7 for any emergencies.

Choice Home Warranty Is The Best Coverage For A Water Heater

Home Warranty for Duplexes FAQs

Below are just some of the frequently asked questions we receive about home warranties for Duplex.


Do home warranties cover duplex homes?

Yes, generally a home warranty will cover duplex properties. You will likely need to get a home warranty for each separate unit in the duplex. You’ll want to read the service agreement carefully and ask questions to understand coverage and limitations regarding any shared systems.

Does American Home Shield cover duplex homes?

Yes. The language of their service agreement reads, “f this contract is for a duplex, triplex, or fourplex dwelling, then all units within the dwelling must be covered by one AHS contract for coverage to apply to shared systems and appliances.”

Which home warranty offers the best coverage for duplex homes?

For price, coverage, and options, Choice Home Warranty is the best option for covering a duplex property. They do offer coverage for shared appliances and systems for both units in a duplex. Overall, you get a lot for your money when you purchase a home warranty from Choice.

$$ Coverage Limit
Choice Home Warranty
$500 - $3,000 
American Home Shield
$1,000 - $3,000 
Select Home Warranty
$500 - $2,000
Liberty Home Guard
$500 - $2,500

What does a home warranty cover?

Whether you choose to purchase coverage for one or both units in a duplex, you can expect coverage for breakdowns resulting from everyday wear and tear on appliances and systems. Note that if you choose coverage on only one unit, any shared systems will likely not be covered.

Typical systems covered:
  • HVAC including ductwork
  • Electrical system
  • Plumbing system including stoppages
  • Water heater

Typical appliances covered:
  • Refrigerator
  • Range/stove/cooktop
  • Dishwasher
  • Built-in microwave
  • Clothes washer
  • Clothes dryer
A home warranty will often cover smaller systems and appliances like doorbells, garbage disposals, exhaust fans, and garage doors.

Potential add-on coverage:
  • Sump pump
  • Home electronics
  • Stand-alone freezer
  • Second refrigerator

How do I choose the right home warranty?

To choose the right home warranty for your duplex home, use these three simple steps:
  • Research -  Do the kind of digging you are doing right now. Which providers operate in your state? What kind of coverage do they offer on duplex properties? What is their policy on shared systems? 
  • Get multiple quotes - Don’t just go with the first company you run across. Be sure to get quotes from several providers on the coverage that works best for your situation.
  • Read the fine print -  Especially with duplex coverage, be sure you read the service agreement carefully. Ask questions and understand the terms and conditions before you sign the agreement and make that first payment.