Top 5 Best Home Warranties For Pre-Existing Conditions (2023 Review)
Written By: Ross Robinson
Edited by: Andrew Dunn
Looking for the best home warranty for pre-existing conditions?
Perfect you’re in the right spot. In this guide you’ll learn:
- Will I even find a home warranty that covers pre-existing conditions?
- How much will a home warranty for pre-existing conditions cost?
- What should I look for in a home warranty for pre-existing conditions?
- … and answers to all your questions about pre-existing conditions and home warranties.
When choosing a home warranty plan, one aspect many buyers might not even consider is pre-existing conditions. So congratulations, you are thinking outside of the box! Because, even though it is rare, some home warranty companies will cover pre-existing conditions.
We combed through our data of nearly 70 home warranty providers and found the top five who offer coverage for pre-existing conditions. Say you have problems with your electrical system, air conditioning, clothes washer, cooktop, or water heater, and when you go to have it looked at, they discover a problem that had started well before you purchased the home warranty. Providers are always looking for reasons to deny coverage, and pre-existing conditions are spelled out in the exclusions section of most service agreements.
But not for these companies we’ve reviewed here. There are instances where pre-existing conditions can be covered items. Take a look at the details you need to understand in order to make the right choice in home warranty protection for pre-existing conditions.
Our Top Home Warranty for Pre-Existing Conditions Picks
- All plans have comprehensive coverage. Most other home warranty plans cover either just systems or just appliances.
- Choice’s coverage caps are $3,000 per item, per year for most major systems and appliances beating the industry average.
- Choice Home Warranty doesn't exclude older homes, so you can still get coverage regardless of the age of your property.
- $200 off + 1 Month Free + Free Roof Coverage!
- BBB's Only A+ Accredited Home Warranty Company!
- 60-day workmanship guarantee compared to the average of 30 days.
- More than 20 options, including window washing, swimming pools, and irrigation.
- 24/7 service calls
- With over 52 years of experience and 1.7 million customers AHS has a long history in the industry.
- American Home Shield, lest you choose a service fee that works for your budget.
- Coverage caps for systems are unlimited across all three plans and are either $3000 or $6000 for appliances.
- $150 off + 2 months free
- FREE Roof Leak Coverage
- Good selection of plans
- Must file claims within 3 days
- $75 cancellation fee
- 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 Warranties for Pre-Existing Conditions (2023)
Let’s take a look at the three best home warranty companies available out of almost 70 we’ve done extensive research on.
| Provider | Best For | Monthly Cost | Service Fee | BBB Rating |
| Choice Home Warranty | Best Overall | $45 – $53 | $85 | D+ |
| Liberty Home Guard | Best Customer Service | $45 – $54 | $75 | A- |
| American Home Shield | Most Customizable | $25 – $75 | $75 – $125 | B |
Choice Home Warranty (Best Home Warranty for Pre-Existing Conditions)
Choice Home Warranty is the best home warranty when dealing with pre-existing conditions. Pre-existing conditions are tricky when it comes to home warranties; no home warranty company will cover an outstanding issue that you have in your home. However, as long as all of your appliances and systems are working and in order, Choice Home Warranty has a very low denial rate. Essentially if you decide to sign up for the plan, Choice won’t turn you down because of older appliances or issues that you have had in the past.
When it comes to the scope of coverage, Choice Home Warranty has various appliances and systems included as part of their coverage. You will find that other plans like Select Home Warranty or American Home Shield will have more affordable plans that only cover appliances or systems. With Choice, you can have your plumbing systems, water heater, and dishwasher all under one affordable policy.
It’s also important to consider the reservice policy that Choice Home Warranty offers. When a repair is made that doesn’t quite solve the problem, Choice will continue to come out and service until you are back up and running. With Select Home Warranty, you would likely be responsible for additional service fee costs. On top of being affordable, Choice Home Warranty is reasonable and offers you 30 days to change your mind about your policy without it costing you a penny.
If you have dealt with pre-existing conditions in your appliances and systems, you know how quickly the costs can add up. Get your appliances and systems in working order today so that you can sign up for the Choice Home Warranty plan with the first month free and $50 off.
Pros: Cons:
American Home Shield (Most Customizable)
American Home Shield is the editor’s choice for the best home warranty for pre-existing conditions. As we know, pre-existing conditions can be pretty difficult to deal with in a home warranty situation. Most home warranty companies will not handle any issues that could have been related to a problem before signing up for the plan. If you are not careful, some companies will claim that everything was pre-existing, however with American Home Shield, that won’t be an issue. Unlike Choice and Select Home Warranty that have been around for about a decade each, AHS has more than 50 years in the business.
With 50 years of experience in the home warranty industry, American Home Shield has put together the most customizable and comprehensive plan on the market. Customers will be able to put together coverage choices that work specifically for their needs and offer the exact coverage and payment structure they need. AHS has a ton of add-on options for customers to choose from, and they are known for quality workmanship when it comes to the contractors they employ to come work at your home.
American Home Shield has quality and longevity attached to its name. For a limited time, you can get $50 off of this impressive plan, and it is undoubtedly an incentive worth taking.
Pros: Cons:
Select Home Warranty (Most Affordable)
Select Home Warranty is the most affordable home warranty choice for pre-existing conditions. The Select Home Warranty plan will have the lowest monthly premium and a deductible of only $60. Select is a reputable company that will do whatever it can to repair and replace any of the covered home appliances. One great way to avoid any trouble with pre-existing conditions and the Select Home Warranty is to have an inspection done before the policy starts. If you have this inspection in place, the Select Home Warranty claims denial rates are quite low. It will be worth the price of the inspection to know that your home is always covered.
One of the things that makes the Select Home Warranty plan so unique is the free roof leak coverage that they offer. With this plan, you won’t pay a dime extra to have the entire main living area of your home protected from a leak in the roof. Choice and American Home Shield will charge extra to add this to the total cost of your policy. Try and keep this in mind when comparing the value of one plan to another. Chances are, the Select Home Warranty will easily stand out as the most affordable.
If you need one more reason to choose the Select Home Warranty, the joining or sign-up incentive could do the trick. For a limited time, you can get $150 off, two months free, and 30 days that you can cancel the policy for free.
Pros: Cons:
What's In This Guide?
Do All Home Warranties Cover Pre-Existing Conditions?
No. Finding a home warranty contract that covers pre-existing conditions is like finding a unicorn. We did the heavy lifting for you here to find those that do, and under what conditions. So if a dishwasher or other home appliances–or even your HVAC ductwork or plumbing system–have problems you didn’t know about, you want the peace of mind that comes from home warranty coverage that won’t split hairs about that. It’s difficult to find, but we found 5 top companies we can recommend for just such situations.
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.
Is A Home Warranty Worth It For Pre-Existing Conditions?
Home warranty coverage is for things that homeowners insurance doesn’t cover. Since coverage is spelled out, for unknown pre-existing conditions, you probably won’t buy a plan specifically for pre-existing conditions. But it can be a factor in your decision. It’s nice to know that a policy won’t hold back on you if you discover some condition you had no control over but existed before the policy was purchased and enforced.
Read Also: Which Home Warranty Plan is the Cheapest?
Top 5 Best Home Warranties For Pre-Existing Conditions
How Soon Can You Use A Home Warranty For Pre-Existing Conditions After Purchase?
Generally, with any home warranty plan, the effective date is 30 days from the date of purchase. Read the fine print on any contract to see exactly when coverage will start with the providers you are considering.
Are You A First-Time Buyer? Check Out This Article!
What To Look For When Picking The Best Home Warranty For Pre-Existing Conditions?
You’ll want to look carefully at the terms. A home warranty is a service contract. When the contract includes stipulations about pre-existing conditions, there will be specific parameters around what they will and will not cover. Some, like Old Republic Home Warranty, will only cover pre-existing conditions for the buyer in a real estate transaction. So be sure to understand the offer and the limitations when it comes to pre-existing conditions and other aspects of coverage. If you have unique systems in your home like a central vacuum, be sure that is covered as well. You should be able to get a free quote from any home warranty company you are considering.
Check out the video below to learn more about what home warranties can cover:
See Home Warranty Provider Coverage by State
Every homeowner in each state has unique needs when it comes to home warranties. Also, not every home warranty provider offers service in each state. Click on your state below to get a more in-depth review!
Our Top Pick For a Home Warranty for Pre-Existing Conditions
Our top pick for home warranties that cover pre-existing conditions is American Home Shield. With the largest service area in the US and their excellent Appliance and Systems plan, AHS offers the best coverage for your home, including any pre-existing conditions.
Our Top Picks Recap
- All plans have comprehensive coverage. Most other home warranty plans cover either just systems or just appliances.
- Choice’s coverage caps are $3,000 per item, per year for most major systems and appliances beating the industry average.
- Choice Home Warranty doesn't exclude older homes, so you can still get coverage regardless of the age of your property.
- $200 off + 1 Month Free + Free Roof Coverage!
- BBB's Only A+ Accredited Home Warranty Company!
- 60-day workmanship guarantee compared to the average of 30 days.
- More than 20 options, including window washing, swimming pools, and irrigation.
- 24/7 service calls
- With over 52 years of experience and 1.7 million customers AHS has a long history in the industry.
- American Home Shield, lest you choose a service fee that works for your budget.
- Coverage caps for systems are unlimited across all three plans and are either $3000 or $6000 for appliances.
- $150 off + 2 months free
- FREE Roof Leak Coverage
- Good selection of plans
- Must file claims within 3 days
- $75 cancellation fee
- 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