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Top 5 Best Home Warranties For Condos (2021 Review)

Top Best Home Warranty Companies For Condo Review

Looking for the best home warranty for condo coverage?

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

  • What is a home warranty for a condo?
  • How much will a warranty plan for your condo cost?
  • Is a home warranty is worth it for your unit?
  • How does a condo warranty work?
  • What the best coverage options for your condo?

We’ve reviewed 68 different home warranty companies, and below are our top picks for condos to your state. Curious which plan is right for you? Read on!

Editor's Choice
97.0

Limited Time: New Customers Get $100 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 Picks Overview

  # 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 $100 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
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.60
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 month free + Free Roof Coverage
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market

Owning a condo is a fantastic way to invest in real estate without the expenses of a single-family home. Plus, condos are often a much more affordable alternative to homeownership than a traditional house. So, they’re a great option for people that want to own a beautiful home without the burden of large monthly mortgage payments.

But, condos need to be maintained just like a regular house, and all these repairs can rack up big bills over time. Thankfully, with the right home warranty plan, you can protect yourself from major repair costs.

With so many different home warranty providers out there, though, it’s understandable if you’re unsure which plan options are the best for you. To help you out, here are our reviews of the best home warranty companies on the market today, complete with all the information you need to find the best coverage for your condo.

What Are Home Warranties For Condos?

A home warranty for a condo is a way to protect yourself against unexpected major home repairs. Home warranty protection will usually cover most or all of the cost of repairs and replacements for home appliances, like dishwashers, ice makers, and garbage disposals, as well as major systems, such as your HVAC and plumbing system

That being said, many home warranty companies don’t offer a specific “condo” warranty. Rather, you can generally use a standard home warranty plan to cover repair and replacement costs for your condo. 

Warranty providers will clearly outline whether or not they cover condos in the fine print of their service contracts. But, the vast majority of companies will offer protection for a variety of different home types, including single-family dwellings, multi-family houses, mobile homes, and, yes, condos.

Read Also: What Are The Best Home Warranty Plans For Luxury Homes?

How Much Will A Condo Warranty Plan Cost?

The average home warranty cost for a condo is between $300-$600 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

The good news, though, is that home warranties for condos tend to be cheaper than those on single-family homes. This is because most condos are smaller than your standard house. 

Additionally, 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, sump pumps, or sprinklers. 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.

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. 

A warranty plan 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 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, 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.

With a home warranty, though, 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 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 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.

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 house, 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.

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. 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.

Top Home Warranties For Condos 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
 

Total Home Protect Review (Best For Larger Systems)

  • 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)
 

First American Home Warranty Review (Best Customer Service)

  • Service Fee: $75 – $100
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 9.5/10
  • Rating: 94.90

Visit Website

(888) 445-5837

first american home warranty

Why Do We Like First American Home Warranty?

First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.

The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.

Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.

Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.

Policy On Pre-Existing Issues or Older Units?

Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems 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

  • Great Customer Service (B+ BBB Score)
  • Online Chat Support

Cons

  • Not Available In 15 States
  • Can’t Choose Your Own Contractor

Final Thoughts On Home Warranties For Your Condo

A home warranty is a must-have for any condo owner that wants to protect themselves from unexpected expenses on their appliances and home systems. Thankfully, most warranty companies will provide protection for condos under the plans that are offered for single-family residences. So, no matter if you own an oceanfront condo in Hawaii or a mountain-side condo in Montana, your home can be protected.  

Our top pick for a warranty policy on a condo is Choice Home Warranty, thanks to their comprehensive coverage, 24/7 call center, low service call fees, and solid per-item limits. But, what’s important is that you find the policy that best covers your home and your real estate investment.

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 $100 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
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.60
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.10
  • $200 off + 2 month free + Free Roof Coverage
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market