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Top 5 Best Home Warranties For Contractors (2021 Review)

Top 5 Home Warranties For Contractors Review

Looking for the best home warranty for contractor professionalism and service?

Perfect you’re in the right spot. In this guide you’ll learn:

  • How do home warranty companies work with contractors?
  • Can I use my own contractor for home warranty work?
  • What should I look for when choosing the best home warranty for contractors?
  • …and answers to all your questions about contractors for home warranty companies.

Whether you are looking for someone who can help with plumbing systems, HVAC, electrical systems, or appliance repair you want a contractor who knows what they are doing. Most of the time, when you work with a home warranty company on a claim, they’ve already chosen the contractor who will work with you – it’s not up to you. That doesn’t seem fair, does it? Well, it depends.

Does it really matter which home warranty company you choose? It does. Homebuyers in a real estate transaction or current homeowners should do the research because the quality of a contractor can vary dramatically depending on which home warranty company you choose. It’s important to do a little bit of digging. It’s a completely different process than a homeowners insurance claim. But that’s why we’re here with this home warranty review. We want you to see the top choices for the service you are paying for in a home warranty.

Since contract terms most often require you to use the company’s contractor, choosing a home warranty company with good contractor reviews and a track record of professionalism is important. Let’s take a look at our top picks when it comes to contractors working with home warranty plan providers.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Our Top Home Warranty for Contractors Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $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 American Home Shield
Editorial Rating 97.00
  • 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
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

How Do Home Warranty Companies Work with Contractors?

Let’s take some of the mystery out of how this whole thing works. When you buy a home warranty, you pay a monthly fee–a premium–for the service. But what happens when something goes wrong with home appliances or systems like a garbage disposal or you discover a giant gap in your air conditioning ductwork? Then you contact the home warranty provider with a service request. This is when a service fee is paid out for a contractor to come and take a look. 

So how does a home warranty company find a contractor? And then how do home warranty company’s work with service contractors? The good ones go through a vetting process where they have to apply for a spot with the home warranty company. The contractor gets steady work without paying a lot in marketing and the home warranty company gets a reliable contractor they can count on when the service call is made.

In the simplest terms, a contractor is called on a service call by the home warranty company. The job is to diagnose the problem, and report it to the home warranty company to determine if it is a covered item under the home warranty. If it is, they go ahead and fix the problem, and you pay just the service fee, up to the coverage maximum. If not, you might choose to have them fix the problem anyway or find another contractor. 

When you find the right home warranty company, it is a classic win-win-win situation. That’s because, for covered items, it is a good deal for everyone involved. Why is that? First, the customer gets a good deal on a repair–usually just the cost of a service call. The contractor gets a project and steady work without spending marketing dollars, and the home warranty company provides a valuable service to both and receives their premium payment in return.

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.

Can I Use My Own Contractor With a Home Warranty Company?

If you haven’t worked with many contractors on home repairs, it’s no big deal who the home warranty company uses. But if you’ve established relationships with contractors over time, this is a very reasonable question. 

Do I Have a Choice?

When it comes to home repairs, maybe you’ve got a company you’ve worked with and who you trust. So, your dishwasher or ice maker malfunctions, or your heating system starts making crazy noises. Should you just call your go-to plumber or HVAC technician? 

The answer is complicated. You could call your contractor, but then you might void the home warranty contract for this particular broken appliance or system. You want to avoid that. 

Having little choice in the matter can feel kind of bad. Can you trust the home warranty company’s choice of a contractor? Will they do a good job for you?

With these five home warranty provider options we’ve chosen, we think you can.

How it Works

Getting a serious breakdown in appliances or systems in your home should not just be a matter of hoping you get a good contractor. That’s why the best home warranty companies vet and retain their own set of contractors.

But if there is a friend, relative, or trusted contractor you want to work with, you have options. If there is a contractor you like and have worked with before, they may already be on the list. If not, they can always apply. This would, of course, need to happen well ahead of an emergency service call, so if this is important to you, you’ll want to get the ball rolling before the need is critical. 

Among the top five providers we review, here are contractors that go through screening to get approval for their work on the warranty company’s behalf.

Read Also: Top 5 Best Home Warranties For Home Buyers

What Should You Look For When Picking The Best Home Warranty Company For Contractors?

Ok, so you have to work with the contractor the home warranty company chooses, but that’s not the end of the world. The good ones choose wisely, and you can always ask your favorite contractor to apply with your home warranty company if they aren’t on the list of contractors already.

What else should you be on the lookout for when picking the best home warranty when it comes to the contractors they use? Let’s dig in.

In a perfect world, you could choose the first home warranty company you come across, and you’d get the best possible service for a reasonable price. But here in the real world, to find the right fit takes some digging. Here are a few things to look for regarding contractors when choosing a home warranty company

Size of the Crew

You don’t want to go with a company that can’t respond to a service call promptly. You don’t want to get put on some waiting list and have a plumbing problem fixed whenever they can “get to it.” 

One simple question to ask: How many contractors does the home warranty company work with? Choice has 25,000 independent contractors to call on, whereas other companies have far fewer. Among the companies we’re looking at here, the lowest is 15,000 licensed contractors. And even with those numbers, a company like American Home Shield delivers on customer service and contractor reliability.

If the stable of contractors gets below 10,000, you might want to consider a company with more. You don’t want to get on a long waiting list when air conditioning or some other system breaks down. 

Customer Reviews

Another thing we should all be examining–and there is no excuse not to in this world of online opinions– is customer reviews. That is definitely the case when it comes to contractors for home warranty companies.

As you chose a provider, you want to examine the home warranty contract carefully, of course, but even before that, see what people are saying about them – especially about the contractors who work with them. A company with good reviews when it comes to contractors will have a few things in common. Overall service will get good reviews. Contractor professionalism is important to look for. And how fast can you expect to get service? Find reviews on this, but also look into the service contract. This expectation should be spelled out. 

home warranty for contractorsBenchmarks

There are certain data points to look for, data points we are always sure to examine when we review a home warranty company. These include workmanship, speed, contractor professionalism, and communication. 

It’s not enough to have a big crew of contractors. They have to score high in workmanship and professionalism. And you don’t want your repair or replacement project to drag on. How quickly will they take care of the problem? And when you ask questions or seek clarification, how do they respond? You want the contractor and the home warranty company to score well with communication

As you look at our rating system, you will see all those data points and more accounted for in our system of measurement.

Top Home Warranties For Contractors Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor’s Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive
 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Our Top Pick For a Home Warranty For Contractors

In this category and so many others, Choice gets it right when it comes to finding the right contractors to work with. With over 25,000 on the rosters, you are not likely to wait for a repair. This combined with their overall reputation makes them our top pick.


Our Top Picks Recap

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $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 American Home Shield
Editorial Rating 97.00
  • 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
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Frequently Asked Questions For Contractors

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

Q.

Are Home Warranties Worth The Money For Contractors?

A.
When you purchase a home warranty, you will expect that certified professionals complete the work being done. Depending on the home warranty company that you choose, some contractors have to go through a thorough application and acceptance process to be used by the warranty company. 

The home warranty company wants to make sure they send high-quality professionals to the home so that your project can be completed as quickly as possible. In this business, time is certainly money. If a service person or repair specialist is not capable or qualified, it costs everyone involved money. 

This is why most homeowners will trust the service personnel that the home warranty company recommends. If you have your own contractor, you will sometimes be able to use them; however, there are likely not guarantees about the work they complete. 
Q.

What's Covered On A Home Warranty?

A.
A home warranty will help to make sure that the systems and appliances in your home are functioning to the best of their ability at all times. You can get coverage for everything from your refrigerator to your garage door opener to your swimming pool. 

Home warranties will cover the basic wear and tear you see caused by using your home and your systems and appliances. A homeowners insurance policy is a little different in that it works to help homeowners with things like fire, liability, or a hurricane. 
Q.

Who Has The Best Home Warranty Coverage?

A.
The best home warranty coverage when it comes to contractors is Choice Home Warranty. From the contractors to the customer service personnel, Choice Home Warranty takes communication and punctuality quite seriously. 

You will have no issue submitting a request for service and getting a timely response to your issue. Choice is selective about the contractors that they choose to represent their company. Although you may have your own contractors in place, chances are you will want to see if the Choice contractors can do a better job for you. 
Q.

How Does A Home Warranty Work?

A.
A home warranty is essentially a service contract between a homeowner and a warranty company. The contract will state all of the home appliances or systems that are covered as part of the plan. If an issue comes up with one of these features of the home, the homeowner can pay the agreed-upon service contract fee, and a repair person will come to the house. 

If the appliance or system can be repaired, they will do so; if it needs replacement, it can sometimes be replaced as long as it is within the plan’s limits. 
Q.

Should Contractors Get Home Warranties?

A.
Contractors are in a unique position because not only are they going to want to purchase a plan to cover their own home, but they will likely want to create a relationship with a home warranty company. As a certified contractor under a home warranty company, a contractor can get quite a bit of extra work. 

In addition, with all of the extra work that a contractor has to take care of, the idea of having a warranty in place to protect your own home is a smart one. Contractors should not only get a home warranty, but they should be considering the partnerships and relationships they can make with local home warranty companies. 

In the end, the home warranty is going to help all those involved. As long as you price your plan out and choose something specific to your needs, a home warranty is a brilliant idea.