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Top 5 Best Home Warranties For Condos (2022 Review)

Top Best Home Warranty Companies For Condo Review

Living in a condo is one of the best ways to enjoy homeownership. You will get your perfect little slice of home yet still be able to avoid things like yard work and general repairs to the exterior of the building. However, condo life will still have you responsible for the systems and appliances inside your condo. In our guide featuring the best home warranties for condos, we will help you . . . .

  • Find the best home warranty for condos in 2021
  • Help you understand what a home warranty is 
  • Give tips for choosing one home warranty from another 
  • And much more . . . 

Let’s take a look at the top five best home warranties for condos and which could work for your needs.

Editor's Choice
97.0

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

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
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Our Top Home Warranty for Condos 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 96.50
  • $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 96.10
  • $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 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Top 5 Best Home Warranty Companies For Roof Warranty 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty for a condo. The Choice Home Warranty plan has been on the market for about 13 years, and they have continued to prove to homeowners how important a home warranty can be. The Choice Home Warranty will allow you extensive coverage for all systems and appliances in your condo. In addition, if an issue comes up, the customer service is very responsive. The pricing for the Choice Home Warranty is quite fair and will allow condo owners to feel as though they are getting great value with their home warranty plan. 

Pros

Cons

Both plans cover systems and appliances

Cannot put together a custom plan

Pricing is fair

 

Service fees are reasonable 

 

The contract is straightforward to follow and understand

 

 Plans and Pricing 

There are two plan options from Choice Home Warranty for a condo. These are the Basic Plan and the Total Plan. Each of the plans has both systems and appliances covered on it to ensure that homeowners won’t have a difficult decision to make. Overall the pricing of the Choice Home Warranty plan is quite fair. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

Condo Coverage

When it comes to coverage for condos, the Choice Home Warranty plan will accommodate any condo regardless of age. As long as your systems and appliances are in working order, you will be able to invest in a Choice Home Warranty plan. 

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable home warranty plan on the market. With an American Home Shield home warranty, you can pick and choose coverages to match the needs of your condo. One of the reasons that we find this so helpful is that not all condos are responsible for all of their systems. Most appliances will need to be part of the plan, but not all systems are covered by the condo owner. With an American Home Shield plan, you won’t be paying for things you don’t need. 

Pros

Cons

It has been on the market for 50 years

Price is a little higher than other plans

Easy to build out a custom plan

 

Plenty of add on options

 

Pricing can be customized as well 

 

Plans & Pricing

There are three basic home warranty plans for American Home Shield Customers to choose from. These plans are typically just considered a starting point or a guide, and you can then customize the plan to work for your specific needs. 

Plan

Monthly Cost

Service Fee

Silver Plan

$45

$75-$125

Gold Plan 

$55

$75-$125

Platinum Plan

$79

$75-$125

Condo Coverage

With more than 50 years in the home warranty industry, the American Home Shield plan does a great job of offering the coverage that a condo owner needs. The age of your condos systems and appliances will not keep American Home Shield from providing you coverage. Simply ensure everything in the home is working, and you will be well on your way to having a condo warranty in place. 

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty plan for condo owners. The pricing of the Select Home Warranty plan makes it much easier to make a home warranty purchase decision. You will find that the combo plan from Select is one of the best values on the market. Select Home Warranty is very specific about their workmanship quality. With more than nine years in the industry, the Select Home Warranty is an excellent option for those looking for impressive coverage at a fair price. 

Pros

Cons

Great customer service

Some covered items have lower policy limits

Coverages and exclusions are clearly defined

 

High workmanship quality 

 

Straightforward policy choices

 

Plans and Pricing

There are three plans available from Select Home Warranty, but the Platinum Care plan will stand out as the best overall choice. Platinum Care covers both systems and appliances, and the service fee is considerably lower than other home warranty companies. 

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Condo Coverage

The condo coverage with the Select Home Warranty plan is quite comprehensive. The only issue that you may run into is the policy limits. The limits of these policies are sometimes relatively a bit lower than they are with other home warranty plans. 

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard condo warranty is the best-reviewed option on the market. Even though Liberty Home Guard has only had a plan available for about two years, they have one of the most comprehensive options around. Liberty Home Guard has managed to earn an A rating with the BBB, and their reviews are better than almost any other home warranty company. In addition, Liberty Home Guard has an extensive list of coverages that will work for any condo. If you have something like an extra refrigerator or you want locksmith coverage, you can get all of that with a LIberty Home Guard policy. 

Pros

Cons

BBB rating of an A

Plan add on options will increase overall pricing

Very fair overall pricing

 

60 Day workmanship guarantee

 

Long list of add on coverages

 

Plans and Pricing

There are three plans to choose from with the Liberty Home Guard. The Total Home Guard tends to be the most popular as it has a great combination of both system and appliance coverages. 

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

Condo Coverage 

The condo coverage under the Total Home Guard policy is quite extensive. In addition, Liberty Home Guard is quick to respond and ensure that things are well handled. If you only want appliance coverage for your condo, the Appliance Guard policy is a perfect place to start.

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best home warranty plan for emergency service. We love the ServicePlus home warranty for those with a family or who work from home and know that a few weeks without a stove or a refrigerator would be tough to handle. With ServicePlus, you can sometimes have your system or appliance repaired within 24 hours. The ServicePlus technicians are very high-quality workers that will try and have an issue fixed as quickly as possible. ServicePlus keeps their home warranty contracts straightforward and easy for the condo owner to understand. 

Pros

Cons

Fastest home warranty service on the market

Sometimes emergency service will have an upcharge

Large network of service technicians

 

Quick and efficient work

 

Fair pricing

 

Plans and Pricing

There are two home warranty plans for condo owners to choose from, the Platinum Plan and the Gold Plan. The Platinum Plan tends to be the more popular choice because of the combination of systems and appliances being quite broad. 

Plans

Monthly Fee

Service

Gold Plan

$42

$75

Platinum Plan 

$46

$75

Condo Coverage 

The condo coverage from ServicePlus Home Warranty will be the same as it is for single-family residences. The combination of systems and appliances will be enough to give any homeowner peace of mind regarding their home.

How Much Will A Condo Warranty Plan Cost?

Pricing varies, but the average home warranty cost for a condo is between around $400-$750 for a year of coverage. Of course, this annual premium amount will vary quite a bit based on a few factors, which include:

  • Location of the condo
  • Size of the unit
  • If you want coverage for appliances, home systems, or both

You may wonder if you need coverage for a condominium when you are already paying the condo association a maintenance fee. But this fee is for common areas and for exterior maintenance. It doesn’t cover the systems and appliances within your condo unit.

The good news is that condo owners can generally save a bit on their home warranty costs because they don’t need to pay for add-on coverage for shared systems or amenities, like pools, spas, or septic pumps. So, home warranty coverage for condos tends to be quite affordable since protection plans can often be scaled to meet the needs of individual condo owners.

But even a platinum comprehensive plan that covers all the major systems and appliances in your condo can be purchased for around $45 – $60 per month. Such a plan covers everything from your HVAC to your trash compactor and garage door opener. 

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

Want to learn more about investing in a condo? Check out this video on why a condo could be right for you.

Is A Home Warranty For My Unit Worth It?

Simply put, a home warranty is certainly worth it for your condo. If you’ve made the decision to purchase your own condo, you want to ensure that your investment is a happy, comfortable place to live for years. 

The beauty of condo living is that so much of the maintenance is taken care of for you. A home warranty plan takes that a step further. It can help you keep your condo in good working condition without the headaches normally associated with homeownership. Here are some of the many benefits of a home warranty for your condo:

Financial Protection From Major Home Repairs

Let’s face it: Owning any home, even a condo, isn’t cheap. In addition to your monthly mortgage payment, you need to pay for your air conditioning, water, heat, and other utilities.

But, while these regular payments are all part of your monthly budget, the cost of replacing your entire electrical system or HVAC system probably wasn’t part of your financial plan. 

Indeed, unforeseen repairs and replacements of major home appliances and systems, like a water heater or furnace, can easily rack up hundreds, if not thousands of dollars. Unless you happen to have lots of cash on hand, this can quickly create a lot of debt for you and your family. And even if cash flow is not an issue, paying one monthly fee for everything from your plumbing to smoke detectors is more cost-effective than paying out-of-pocket to repair or replace everything.

With a home warranty, you’re protected from huge repair bills. Depending on the terms of your coverage, you can get thousands of dollars in payment protection for each covered item in your home. Instead of having to pay the entire repair bill, you’re liable just for a small deductible, also called a service call fee, and any repair costs over your maximum limit.

condo home warranty facts

At the end of the day, home warranty protection can make a big difference for the long-term health of your bank account when your air conditioning system decides it no longer wants to work in the middle of the summer or when you need to replace your refrigerator.

Own A Condo In San Diego? We Can Help!

Peace Of Mind And Seamless Repair Service

Hands down, one of the biggest benefits of a home warranty is the peace of mind you get when it comes to servicing your condo’s appliances and systems. With a warranty plan, you don’t need to spend hours searching for the best service provider when your heating system is acting up.

Instead, all you need to do is call the warranty company’s service center. Once you submit a claim, they’ll arrange for a repair professional to come to your home.

This is particularly beneficial if you’re a new homeowner or have recently moved to a new area. Since your warranty company will contact a repair company for you, you can rest assured that you’re getting the best service possible.

Read Also: Are You A Senior That Needs Home Warranty Coverage In A Condo?

Covers What Home Insurance Won’t

When you purchased your condo, you probably bought a homeowners insurance policy and, rightly so. Homeowners insurance is important for protecting your condo against unexpected costs associated with natural disasters, fires, and other emergencies.

However, homeowners insurance won’t cover any of the costs associated with maintaining your home’s major appliances and systems. That’s where home warranties truly shine. They’ll cover or greatly offset your repair bills, even when your insurance policy or a manufacturer’s warranty doesn’t.

How Does Coverage For Condos Work (Are They Unique)?

Interestingly, most home warranties that can be used for a single-family home can also be used to cover the cost of systems and appliance repair or replacement in a condo. So, condo home warranties aren’t “unique,” specifically to condos, but they offer all of the coverage you need to protect your investment.

Here’s how it works:

Step 1: Find A Plan

The very first thing you need to do to protect your condo is to find the right plan. We’ll give you a list of the top home warranty reviews in just a bit and as you can see, there are plenty of great options to choose from.

Generally, home warranty plans come in three varieties: an Appliance Plan, a Systems Plan, and a Combo Plan. Most people choose the comprehensive coverage of a premier Combo Plan.

When selecting the best plan for your condo, though, you want to look for a policy that covers the most important things in your home. This is where shopping for home warranties for a condo differs from purchasing a policy for a single-family home.

When you own a single-family house away from municipal water and sewer services, you’ll want protection for things like a sump pump, well pump, or septic system. Condo owners, however, don’t have to worry about most of these systems.

So, when you own a condo, your biggest priorities are likely to be your appliances and any systems that are wholly contained within your unit. 

That being said, home systems (particularly air conditioning systems) are where things can get a bit tricky when it comes to protecting your condo. The majority of home warranty plans will not cover any “shared systems.” So, if your condo uses the same air conditioner as the neighboring unit, this may not be considered a covered item under your policy. Plumbing systems are another area that might be complicated in a condo complex. While plumbing systems, including stoppages, are generally covered in a home warranty, if elements of the plumbing system, like drainage pipes, are shared, that may or may not be covered.

That’s why it’s so important to be sure to read the service agreement carefully to understand the coverage, exclusions, and dollar amount limitations before you sign. For instance, very few home warranties cover known or unknown pre-existing conditions on covered systems and appliancesCinch Home Services is a notable exception to that rule among our top 10 providers.

Step 2: Wait For The Grace Period

Once you’ve found the right plan for your condo, you’ll need to wait for the grace period to finish before you can make your first claim. Most companies will have a 30 day waiting period before your coverage kicks in.

However, if you already have a warranty on your condo and are simply looking to switch from one company to another, most providers will wave this grace period. Then, you’ll be able to make a claim as soon as your new policy starts.

Step 3: Make A Claim

If you need to repair or replace a covered item in your condo, you’ll simply need to contact your home warranty company to file a claim and put in a service request. The best companies will offer 24/7 call center service so you can file a claim even in the middle of the night.

Step 4: Pay A Service Fee

When you have a home warranty, you’ll pay a small service fee every time you submit a repair request. This fee is generally paid when you make your claim.

The amount that you’ll pay will depend greatly on the plan that you have. You can think of a service fee as similar to the copay on your medical insurance whenever you go to see the doctor.

Read Also: Do Deductibles Matter for Home Warranties?

Step 5: Receive Prompt Repair Service

As soon as your claim has been processed, your home warranty provider will contact a local contractor and send them to your home. The contractor will then assess, diagnose, and perform any needed repairs or replacements to get your condo back in full working condition.

If workmanship is an issue and the repair fails, most home warranties have a window of time during which free reservice for failed repairs is available.

Home Warranties for Condos: Coverage  

What sort of home warranty coverage is right for your condominium? Maybe at one time, you had a detached, single-family home with a big yard, but you have happily opted out of all that exterior maintenance. Now you are looking for similar convenience in-home repairs inside your home – that’s where the right home warranty coverage comes in.
 
Fortunately, home warranty coverage is all about keeping the inside of your home functioning well, with a plan in place to handle common malfunctions due to wear and tear. 
 
When you purchased your condo, the real estate agent probably highlighted things like the jetted tub in the master bath, and maybe some features in the kitchen like instant hot water in the kitchen. Choice Home Warranty will cover the jetted tub, and American Home Shield and Liberty will cover the instant hot water. Select does not offer coverage on either in their Combo Plan. These are small items, but if you are looking for comprehensive coverage, it is good to know how comprehensive you can expect that coverage to be.
 
It’s good to have coverage on what is most important to you, but what happens when you file a claim? How likely is it that the claim will be denied? Choice has the best track record in this regard, with our research showing a claim denial average that is half the industry standard. We looked at customer feedback and found that respondents mentioned claim denial with Choice 5% of the time, compared to the industry average of 10%. AHS is just below the industry average at 8%. Select Home Warranty was slightly above the industry average at 13%.
 
Bottom line: all five of our top picks offer solid coverage, with some providing coverage on smaller items like instant hot water tap and jetted bathtubs that might be important to you as a condo owner. 

Home Warranties for Condos: Expense 

When you are already paying a mortgage and an HOA or condo association fee, the cost of home warranty coverage is an important consideration. The cost can be well worth it for the simplicity and peace of mind a home warranty can provide. But let’s look at three areas – cost, coverage limits, and cancellation policy – to get a good sense of what the cost of a home warranty on your condo will be.
 
You want a plan for your condo that has good coverage limits. Here Choice Home Warranty and American Home Shield offer the highest limits at $3,000 for appliances and larger systems like HVAC. Select offers the lowest limits at a still-respectable $2,000. If you have appliances that you’ve put a lot of money into already, it might be worth it to have the highest coverage limits you can get.
 
You might decide that home warranty coverage on your condo was not the right decision. What are your options if you choose to cancel coverage? All of our top five providers offer free cancelation in the first 30 days of coverage. Beyond that, you will pay a cancellation fee ranging from a low of $30 with Amazon to a high of $75 with Select.

Home Warranties for Condos: Reliability 

A home warranty on your condominium is not much good if the provider is not reliable. Let’s look at the reliability of our top five options in the areas of customer service, timeliness of repairs, and availability of emergency service.
 
To understand a company’s customer service track record, we dig into data from over a dozen customer review websites, from Google Reviews to the Better Business Bureau, to Site Jabber. Here are some highlights:
 
American Home Shield has a very respectable 4.4-star rating on Google Reviews, but just a 1.5 on Site Jabber. Their overall rating is very close to the industry average. 2.3 stars compared with the industry average of 2.4.
 
Select Home Warranty is at 4.2 on Google Reviews and 4.0 on Site Jabber.
Only Liberty is higher, with a remarkable A+ BBB rating. They do also have a 5-star rating on Site Jabber, but that is based on just one review, so the average is likely to go down there as more reviews come in.
 
How about the timeline for repairs? When you contact the home warranty provider with a claim, you want to get service on the broken dishwasher, heater, or other system or appliance as quickly as possible. The good news is that all of our top five providers get things done in an average of 2 days, which is below the industry average. If a non-emergency malfunction happens on a weekend, the timeframe can be between 2.5 days to 4 days.
 
It wasn’t always the case, but these days 24/7 emergency service is becoming an industry standard and is the standard of all our top five home warranty providers.

Final Thoughts

We hope that you now feel as though you can choose a condo home warranty with confidence. Even though some of your maintenance responsibilities on a condo are less than what they would be with a single-family home, the systems and appliances are still going to require your attention and money. The best home warranty for a condo is a Choice Home Warranty. With Choice, you can rest assured that your condo will be well protected and liveable throughout the course of a year.

Read Also: What Are The Best Home Warranty Plans For A Duplex?


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 96.50
  • $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 96.10
  • $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 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Home Warranty for Condos FAQs

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

Q.

Do home warranties cover condos?

A.
While home warranties don’t offer coverage specific to condominiums, a standard home warranty will cover a condo the same way it covers a detached single-family home. This means your condo can get coverage for the most common appliances and systems where problems can arise and cost a lot of out-of-pocket dollars. 
Q.

Does Choice Home Warranty cover condos?

A.
Like most home warranty providers, Choice does cover condos. 
Q.

Which home warranty offers the best condo coverage?

A.
Choice is our number one pick in this category. Choice Home Warranty offers two great plans, and with their Total Plan, you get coverage on 18 of the most common systems and appliances in your condo, including whirlpool bathtub and garbage disposal. And with coverage limits of $3,000 for both appliances AND systems, it beats out American Home Shield in that category as well. 

Rental Coverage
$$ 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
Q.

What does a home warranty cover?

A.
A home warranty is meant to cover your condo’s main appliances and/or systems from breakdown due to everyday wear and tear. So when your homeowner’s insurance is no help, a home warranty can help fill in that gap. Here are some examples of coverage, from the common to the unique.

1. Most Common Coverage


Systems
  • HVAC including ductwork
  • Plumbing system
  • Electrical system
  • Water heater
Appliances
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

2. What some cover


Some providers will also include coverage for smaller appliances and systems from ceiling and exhaust fans, to the garbage disposal.
Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

3. What few cover


Beyond the standard coverage, there are items that can help providers stand out from the competition. That's why some home warranty companies offer coverage that is unique. For instance, Select Home Warranty offers limited roof leak coverage on all plans, not just as an optional add-on. Both American Home Shield and Liberty Home Guard offer optional coverage on household electronics. 
Q.

Is a home warranty for condos worth it?

A.
It certainly can be. Among your reasons for choosing condo living is having most of the exterior maintenance of your home taken care of. With a home warranty, you get a level of protection for interior upkeep of your home. For around $55 a month, you can get that peace of mind that comes when your most necessary appliances and systems are covered from breakdown due to everyday wear and tear.