Top 5 Best Home Warranties For Condos (2023 Review)
Written By: Britt Olizarowicz
Edited by: Andrew Dunn
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 2023
- 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.
Our Top Home Warranty for Condos 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
Compare Top Providers for Condos
| 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 |
| Select Home Warranty | Most Affordable | $44 – $48 | $60 | B- |
| Americas First Choice Home Club | Best For Customization | $46 – $68 | $75 – $125 | B |
Top 5 Best Home Warranty Companies For Condos
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Best Reviewed
- American Home Shield: Most Customizable
- Select Home Warranty: Most Affordable
- America’s 1st Home Club: Best For Customization
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty for a condo. 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. 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 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, Pricing, and Coverage
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 Choice Home Warranty is quite fair.
When it comes to coverage for condos, Choice Home Warranty 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.
Take a deeper look at Choice Home Warranty’s protection plans:
- Basic Plan ($45 per month): The Basic Plan from Choice Home Warranty is one of the most popular for condos owners. There are 14 total covered items, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. The Basic Plan does not have any extra coverages that condo owners would not need.
- Total Plan ($53.33 per month): There are 18 covered items under the Total Plan from Choice Home Warranty, and some of the most important appliances and systems are covered. The Total Plan is a good choice if you want HVAC or refrigerator coverage. Even if the pricing is slightly higher, it has some important features.
- Optional add-ons: There are just a few optional coverages from Choice Home Warranty, and they include the basics like central vacuum, septic tank, sump pump, well pump, and the pool and spa. The add-on coverages will vary in price from around $5 a month to more than $25 per month. Not all condo owners need add-on coverages.
Plans | Cost Per Month | Services Fee |
Basic Plan | $45 | $85 |
Total Plan | $53.33 | $85 |
What Customers Are Saying:
“The service has been prompt and the technicians have been awesome. a few of the service companies have been less than desirable, but when I requested a change, I was accommodated with no questions asked. great service.” Source
Read our Choice Home Warranty Review to learn more.
2. Best Customer Service: Liberty Home Guard
Liberty Home Guard, is the best condo warranty for customer service. When an issue comes up with a covered home system or appliance having a company with great customer service is very important. Liberty Home Guard has only been on the market for two years, but they have earned an A rating with the BBB. Customers enjoy how quickly and efficiently Liberty Home Guard responds to issues in their condo. Overall, Liberty Home Guard is a smart home warranty plan for homes with unique systems and appliances, as the add-on coverage options from Liberty Home Guard are extensive.
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, Pricing, and Coverage
There are three plans to choose from with 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.
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.
Here’s a more detailed look at Liberty Home Guard’s plans:
- Appliance Guard ($44.99 per month): Appliance Guard has a total of 11 covered appliances. The coverages will be a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. This is a great starter plan for condo owners.
- Systems Guard ($49.83 per month): A Systems Guard plan includes the air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. The Systems Guard plan is priced a little higher because the cost to replace systems is typically quite a bit higher.
- Total Home Guard ($54.33 per month): Total Home Guard p is the best option because of the mix of system and appliance coverage. The pricing is just a few dollars more than the Systems plan, but it has a total of 20 covered items. Condo owners have full faith in the Total Home Guard home warranty.
- Optional add-ons: Liberty Home Guard has one of the most extensive lists of add-on coverage on the market. Many of Liberty Home Guard’s add-on coverages are not included on other home warranty plans. These include re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerators. If your home has unique systems and appliances, the LHG add-on coverages are the best.
Plans | Monthly Fees | Service Fees |
Appliance Guard | $45 | $75 |
Systems Guard | $49.83 | $75 |
Total Home Guard | $54.33 | $75 |
What Customers Are Saying:
“I had to make two claims. Both were painless and easy. Our A/C unit clunked out last month. I reached out and because we’re in a priority state they had a technician by us the very next day. All is back to normal now. Thank you.” Source
Read more at our Liberty Home Guard Review.
3. 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, and Coverage
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.
With more than 50 years in the home warranty industry, American Home Shield’s plans do 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.
Here’s a more detailed look at American Home Shield’s Plans:
- ShieldSilver™ ($35 per month): ShieldSilver is the most affordable of all the plans from AHS, and it can be a good choice for Condo owners. This plan has coverage for 14 key home systems. The plan covers air conditioning, electrical system, doorbells, garage door opener, water heater, ductwork, and more. The coverage caps associated with this plan are typically around $2500. Even if your condo has high-end systems, this is an excellent plan to have in place.
- ShieldGold™ ($55 per month): When you upgrade from ShieldSilver to ShieldGold, you will see your policy almost quadruple in coverage. ShieldGold has 23 systems and appliances and is an excellent option from AHS. Remember that these plans from AHS are completely customizable to get the coverage you need for your condo.
- ShieldPlatinum™ ($85 per month): ShieldPlatinum Plan has 27 covered items and very high coverage caps. Some of the coverage caps can get as high as $6000. This is one of the most premium home warranty plans on the market, but many homeowners find choosing this plan gives them the coverage they need to have peace of mind as a homeowner.
- Optional add-ons: The most popular add-on options from American Home Shield are the pool and spa coverages. You can pick and choose your home warranty plans to match your needs. Some optional coverages include electronics, television, septic systems, and well pumps.
Plan | Monthly Cost | Service Fee |
Silver Plan | $25.82-$45.82 | $75 – $125 |
Gold Plan | $45.82-65.82 | $75 – $125 |
Platinum Plan | $75.82-95.82 | $75 – $125 |
What Customers Are Saying:
“Under the circumstances, the repair was handled as well as practical. my 6-year history with AHS has been very positive, and I have always received the service I expected” Source
For more information, read our American Home Shield Review.
4. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty plan for condo owners. The pricing of Select Home Warranty 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, 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, Pricing, and Coverage
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.
The condo coverage with Select Home Warranty 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.
Take a look at Select Home Warranty’s plan options:
- Bronze Care Plan ($44.42 per month): For condo owners on a budget, the Bronze Care Plan can be a very smart choice. The plan comes with coverage for seven appliances. These include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer.
- Gold Care Plan ($44.42 per month): The Gold Care Plan is the system’s only home warranty plan. This plan is limited to just six systems. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. This is an affordable plan considering the cost to repair some of these key home systems, and even though it is smaller in coverage, it should be enough for most condo owners.
- Platinum Care Plan ($47.75 per month): The coverage on the Platinum Care Plan is comprehensive and includes everything from microwaves to the roof. The Platinum Care Plan is just a few dollars more per month, but it makes quite a bit of sense for double the coverage.
- Optional add-ons: There are just a few add-on coverages from Select Home Warranty, including pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump. However, all Select Home Warranty plans come with free roof leak coverage for the home. This is a coverage that other companies will sometimes charge close to $10 per month for.
Plan | Monthly Fee | Service Fees |
Gold Care | $44.42 | $60 |
Bronze Care | $44.42 | $60 |
Platinum Care | $47.75 | $60 |
What Customers Are Saying:
“I have had nothing but good experiences with this home warranty. I have dealt w another in the past and never had anything resolved or paid for, but SHW has been great!! Upon reading these reviews, I kept looking to confirm it was regarding Select bc my experiences have been totally opposite. They have covered literally everything except an exhaust fan in my home. I actually just extended my coverage for another 5 years and bought a three year for my sis. Really!! The other home warranty I dealt with I would never recommend, but I have been totally pleased w Select!” Source
For more information, read our Select Home Warranty review.
5. Best for Quick Coverage: The Home Service Club
The Home Service Club offers the best quick home warranty coverage for condos. A condo is similar to a home, yet there are different coverages that you will be responsible for. With The Home Service Club Comprehensive Plan, you can have more than 30 coverage options for your condo. The coverage from The Home Service Club starts after just a ten-day waiting period. The norm for the condo warranty industry is 30 days. The Home Service Club has been on the market for more than 13 years, making it an excellent choice for customer service and coverage.
Pros | Cons |
Policy starts in just ten days | No cheap plan option with limited coverage |
Both plans are comprehensive | |
Strong history in the industry | |
Great customer service |
Plans, Pricing, and Coverage
There are two The Home Service Club home warranty plans to choose from. The Standard Coverage is an excellent option for those that want to keep the pricing down but still want tremendous coverage. The service fees from The Home Service Club are customizable, and homeowners have to choose them when the policy starts. Many condo owners find that the Comprehensive Plan offers more coverage than they even need for their home warranty.
Condo coverage from The Home Service Club is excellent. All of the systems and appliances you would need as part of your home warranty plan will be in place. Homeowners will find that the Comprehensive coverage has quite a few add ons that may not be necessary for a condo. The Standard Coverage gives a great mix of 18 home systems and appliances that are a perfect choice for condo owners.
Take a more detailed look at The Home Service Club’s home warranty plans:
- Standard Coverage ($46.25 per month): The Standard Plan from The Home Service Club has 18 covered items. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Most homeowners choose this plan because of the wide range of coverage for a fair price. This tends to be the most popular option for condo owners.
- Comprehensive Coverage ($58.75 per month): There are a total of 33 covered items under The Home Service Club home warranty. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. There are no additional appliances on the Comprehensive Plan.
- Optional add-ons: There are a total of 12 additional or add-on coverages as part of their home warranty plan, and the pricing is fair for all of these options. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. If your condo has unique features, this is a great option to consider.
Plans | Monthly Fees | Service Fees |
Standard Coverage | $46.25 | $95 |
Comprehensive Coverage | $58.75 | $95 |
What Customers Are Saying:
“The air conditioner in my mom’s house has been acting so crazy. We couldn’t increase the temperature, so we’ve been freezing for days! We called HSC when we realized things weren’t going to get better, and luckily they were able to send a contractor quickly. Luckily, this was included in our HSC home coverage. I’ve learned it’s both efficient and practical to avail of this company’s services.” Source
Read The Home Service Club Review to learn more.
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.
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.
Best Home Warranty For A Condo?
Choice Home Warranty is our top pick in the condo home warranty market. Choice has more than 10 years of experience helping homeowners insure their properties, offers three extensive plans and will cover condos up to 5,000 square feet.
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 appliances. Cinch 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 the 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
Home Warranties for Condos: Expense
Home Warranties for Condos: Reliability
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
- 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