Furnaces are one of the most common home appliances for homeowners living in colder regions and are essential to comfortable living. A home warranty policy can protect your heating and furnace system and save you thousands in maintenance repairs. Finding the best home warranty company for furnaces will ensure your home is protected.
In this guide, you’ll learn:
- Do home warranty companies cover furnace replacement?
- Is a home warranty plan worth it to protect your furnace?
- Will a home warranty service provider cover any pre-existing conditions for your furnace?
- How soon can you file a claim after starting a home warranty contract?
- What should you look for when picking the best home warranty companies for your furnace?
- And much more!
We’ve reviewed 68+ different home warranty companies and below are our top picks for furnace systems specific to your state. Eager to learn more? Continue reading!
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Our Top Home Warranty for Furnace Picks
Let’s face it: Owning a home can be expensive. Not only are you on the hook for monthly mortgage and utility payments, but you also have to be prepared to handle any maintenance issues with your home appliances and systems.
Compare Top Providers for Furnace Coverage
We’ve done the research for you on the best home warranty companies across the country so you don’t have to. Here are our top picks, and why.
Choice Home Warranty
American Home Shield
Select Home Warranty
NV, WA, WI
The Home Service Club
Best for Quick Coverage
Liberty Home Guard
Best Customer Service
Top 5 Best Home Warranties For A Furnace
- Choice Home Warranty (Best Overall)
- American Home Shield (Most Customizable)
- Select Home Warranty (Most Affordable)
- The Home Service Club (Best For Quick Coverage)
- Liberty Home Guard (Best Customer Service)
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty for a furnace. The Choice Home Warranty has been on the market for 13 years and has gained a reputation as a reliable and affordable home warranty company. Choice Home Warranty keeps its plans and service contracts extremely simple and straightforward. Homeowners will fully understand what is covered and what is not covered as part of their home warranty plan. With Choice Home Warranty, you will have very high coverage caps. These coverage caps help with any issues that may occur with your furnace or heating system.
Comprehensive plan options
No option to build out a custom plan
Fair pricing for monthly and service fees
Free cancellation for the first 30 days
Plans, Pricing, and Coverage
There are two plans from Choice Home Warranty, the Basic Plan and the Total Plan. The plans from Choice Home Warranty are comprehensive. This means that you will get a combination of both system and appliance coverage from the home warranty plan. The Basic Plan from Choice will cover the heating system, which is an excellent option for homeowners. The coverage cap for the heating system, which will include the furnace, is $3000. This is considerably higher than you will find from other home warranty plans. Service fees are $85, which is right around average.
Here’s a more detailed look at CHW’s plan options:
- Basic Plan ($42 per month): The Basic Plan from Choice has coverage for both systems and appliances. This is a great starter plan and a smart choice for those on a budget. In addition, the plan has the heating coverage that you need for your furnace. The Basic Plan covers the plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater.
- Total Plan ($53.33 per month): The Total Plan is the most comprehensive option from Choice Home Warranty and has five more coverages than the Basic Plan. Additional coverages include the clothes washer, dryer, refrigerator, and air conditioner coverage. The total plan is a perfect choice if you have air conditioning and heating.
- Optional add-ons: Choice offers nine optional coverages, including roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. These add-on coverages vary in price, but luckily the furnace is covered under the main home warranty plans.
Cost Per Month
What Customers Are Saying:
“The service technician called me about 30 minutes prior to arriving at my home. He was timely, very professional, courteous, and very informative. He said I need a new ice maker, and he would call me later today to let me know the status of request.” – Source
Read our Choice Home Warranty Review for more information.
2. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for a furnace. American Home Shield has been on the market for more than 50 years and has a great combination of both systems and appliances as part of its plan. American Home Shield has gained recognition as the most premium home warranty plan on the market. With AHS, you will have impressive customer service, a huge network of service contractors, and one of the highest claim payout ratings in the industry. American Home Shield allows customers to customize the coverage for their homes completely. Choosing the systems and appliances that match the needs of your home is a tremendous benefit.
More than 50 years of industry experience
Considered to be a more premium home warranty policy
Can build out your custom plan and customize pricing
Some of the policy choices are priced a bit higher
Impressive customer service
Plenty of add-on coverage choices
Plans, Pricing, and Coverage
The American Home Shield home warranty has three plans to choose from. The plans are rather straightforward, with ShieldGold being one of the most popular on the market. The heating system is covered under all of the American Home Shield home warranty plans. For those that are on a budget but still need quality coverage for their furnace, the ShieldSilver is the best overall option. The coverage caps from American Home Shield are $1500. Although not as high as Choice Home Warranty, there is still plenty of room to facilitate a major repair.
Take a closer look at AHS’s protection plan options:
- ShieldSilver™ ($59.00 per month): ShieldSilver is the most basic plan from AHS, yet it has heating system coverage. The plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener, heating system, plumbing, and ductwork.
- ShieldGold™ ($69.00 per month): ShieldGold is a unique option with both system and appliance coverage. This plan covers 23 systems and appliances, including many offered on the ShieldSilver plan, plus clothes washers, dishwasher, clothes dryer, microwave, oven, and refrigerators. This is the most popular plan from American Home Shield because of the value and depth of coverage.
- ShieldPlatinum™ ($79.00 per month): ShieldPlatinum is the most comprehensive home warranty plan on the market. The plan covers a total of 27 systems and appliances, including the 23 items covered in ShieldGold plus disposal, water dispenser, locksmith, and free roof leak coverage. Some of the converge caps will also increase when switching to ShieldPlatinum. This plan is an investment, but it allows many homeowners the coverage they desire for their homes.
- Optional add-ons: There are six additional coverages offered by AHS, including the septic system, pool, spa, PC, TV, and well pump coverage. Pool and spa coverage tends to be the most popular.
Cost Per Month
$75 – $125
$75 – $125
$75 – $125
What Customers Are Saying
“I’ve been with American HomeShield since 2012 there has been a couple of bumps, but they have always been there for me. When your contract states if they can’t fix it, they will buy and replace that item, they are absolutely correct they saved me. I’ve owned 3 homes in these years as a member, and they have been there for me. I’ve been in my present home for almost 4 years, and I’ve had a pipe leak on 2nd floor right away they got a company out here and fixed pipes and ceiling I was very pleased. I will never leave this company. Thank you American HomeShield.” – Source
Read our American Home Shield Review for more information.
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty for a furnace. Select Home Warranty has been on the market for close to ten years. This company focuses on a mix of professionalism, workmanship, and affordability. Select Home Warranty can be a welcome solution for many homeowners who are new to home warranty coverage. When you sign up for any of the Select Home Warranty plans, you will also get free roof leak coverage for your home. Select Home Warranty has lower service fees than most other plans in the industry. The only downside to this home warranty plan is that the coverage caps are slightly lower than they are from other plans.
Impressive customer service
Some of the covered items have lower policy limits
Combo plan is one of the best on the market
Not always the best plan for high-end appliances and systems
High workmanship quality
One of the most comprehensive plans on the market
Plans, Pricing, and Coverage
The three Select Home Warranty policies for homeowners include the Gold Care plan which covers appliances, the Bronze Care plan, which covers systems, and the comprehensive combo Platinum Care plan. Heating system coverage includes the furnace, and that is found as part of Gold Care and Platinum Care. Even though most coverage caps from Select Home Warranty are lower than other home warranty companies, for the heating system, the coverage caps are $2000. This should be plenty of coverage to handle a furnace-related issue for most homeowners.
Take a detailed look at Select Home Warranty’s plan options:
- Bronze Care ($41 per month): There are two value-type plans from Select Home Warranty. The first is the Bronze Care plan which covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. As affordable as this plan is, it is not a good choice for furnace coverage.
- Gold Care ($41 per month): Gold Care is very similar to Bronze care, except it offers only systems coverage. The Gold Care plan covers six major systems, including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. This is the most affordable furnace coverage in the industry.
- Platinum Care ($47 per month): The Platinum Care plan is a combination plan that has all the coverages of the Gold Care and the Bronze Care plan combined. This is by far the best option from Select Home Warranty, and for just a few dollars more per month, it is a great home warranty plan.
- Optional Add-Ons: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Remember that roof leak coverage will come free of charge.
Cost Per Month
What Customers Are Saying
“Our refrigerator wasn’t working, and we almost bought a new one when I remembered our home warranty. I called, and a technician called us back and ordered a new part. We, unfortunately, had to wait a week for the part, but that’s life these days. Our technician **** came and installed it. When he called later to check on it, our fridge still wasn’t cold enough, and he came back a second time and got it working fine. All for the price of my deductible! Better than buying a new refrigerator. Great service!” – Source
To learn more, read our Select Home Warranty Review.
4. Best for Quick Coverage: The Home Service Club
The Home Service Club has the best quick coverage for a furnace. Leaving a heating system or furnace without coverage can be nerve-wracking. The good news is with The Home Service Club, your heating system will be fully covered just ten days after signing up for the plan. The Home Service Club has been on the market for more than 13 years, and they are known for quick coverage and comprehensive plan choices. With The Home Service Club home warranty, you will have a tremendous network of service professionals ready to deal with any furnace-related issues. The pricing from The Home Service Club is slightly higher than other plans, but when you compare coverages, the HSC stands out among the best.
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 has 18 covered appliances and systems, while the Comprehensive Plan has 33. The heating system is luckily covered under the Standard coverage plan, and it will come with a coverage cap of $2500. This is as high as a coverage cap gets with The Home Service Club home warranty. Service fees from The Home Service Club are customizable and will range in price from around $65 to over $100. Even though the Comprehensive Plan has 33 coverages compared to the 18 on the Standard, many people choose it because of the value.
Take a more detailed look at The Home Service Club’s home warranty plans:
- Standard Coverage ($50 per month): The Home Service club’s most basic home warranty plan is the Standard Coverage plan. There are 18 covered items under the Standard Coverage plan, and they include all major systems and appliances. This Standard Plan has coverage for air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Coverage caps will vary with this home warranty plan.
- Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan has a total of 33 coverages. This is about fifteen more coverages than the Standard. Some of the extras included in the Comprehensive Coverage include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. If you are just looking for furnace coverage, you may not need this plan.
- Optional add-ons: There are 12 additional or add-on coverages as part of their home warranty plan. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more.
What Customers Are Saying:
“I really had a wonderful experience with the exterminator that was there to rid my house of the worst mice infestation I have ever lived through in my seven years living in this house. He knew a lot about these sorts of creatures. He was an expert in his field. It was a privilege to have him over my house. Keep up the good work!” Source
Read our Review on The Home Service Club to learn more.
5. Best Customer Service: Liberty Home Guard
Liberty Home Guard offers the best customer service for a furnace home warranty. Liberty Home Guard has been on the market for about three years, yet they have managed to become one of the most well-known home warranty service providers in the industry. The company has earned an A rating from the BBB. The reason for this A rating is attention to detail and the satisfaction of customers. Liberty Home Guard is not the cheapest plan on the market, but it has great coverage and a long list of add-ons for customers to choose from. If you are looking for furnace coverage that is reliable and comes with a host of other great coverages, LHG is a perfect choice.
BBB rating of an A
Optional plan choices tend to be priced a bit high
Quick response times to inquiries and claims
To get a very comprehensive policy, the price increases considerably
Easy to get in touch with
60 Day workmanship guarantee
Ad- on coverage list is very extensive
Plans, Pricing, and Coverage
The three Liberty Home Guard plans, include Appliance Guard, Systems Guard, and Total Home Guard covering both appliances and systems. The furnace will be covered under the heating systems coverages on Systems Guard and Total Home Guard. The great thing about the furnace coverage from LHG is that it has a $2500 coverage cap. As you can see, this is one of the higher in the industry. The service fee from Liberty Home Guard is also quite low, but monthly pricing can be higher than other plans. Sometimes a plan is priced slightly higher when the customer service is as good as we see it here.
Here are more details on Liberty Home Guard’s plans:
- Appliance Guard ($69.99 per month): Appliance Guard is the most basic and affordable LHG plan. The plan covers 11 significant appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. Although this is a great starter plan offered by LHG, there is no way to add your furnace to this plan.
- Systems Guard ($74.99 per month): Systems Guard offers coverage on nine systems, including the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing, plumbing stoppages, and water heater. Systems Guard is priced just a little higher than Appliance Guard because of the high cost of repairing some of these systems and appliances.
- Total Home Guard ($79.99 per month): Total Home Guard is the only combo plan from Liberty Home Guard, and it includes both appliance and system coverage. Total Home Guard is the most popular Liberty Home Guard plan because of the mix of system and appliance coverage.
- Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator.
Cost Per Month
Total Home Guard
What Customers Are Saying:
“I talked to Derek to set up an appointment for my pool pump that was malfunctioning, and he actually helped me troubleshoot the issue. I was able to fix it myself and saved on the deductible. I appreciate the initiative and conscientiousness that Logan employed to save me money and keep things convenient. The communication was clear and very friendly. Definitely satisfied.” – Source
Read our Liberty Home Guard Review for more information.
Do Home Warranties Cover Furnace Replacement?
Home warranty plans that include protection for HVAC systems and heating will almost always cover furnace replacement and repair in your house. While it’s always best to read the fine print on your sample contract to ensure that the type of furnace in your home is covered, most plans will protect you financially if you need to replace or repair your furnace.
It’s important to note, though, that if protecting your home’s furnace is your main priority, you’ll want to be sure that you either get one of the following warranty plans:
- Systems Plan. Some warranty providers will offer a systems plan for homeowners that just want coverage for systems, such as electrical systems and plumbing systems, not appliances. This is an ideal option if you’ve just recently replaced your home’s appliances and want systems coverage that doesn’t break the bank. Systems plans will almost always cover furnace replacement but check with your policy contact to be sure.
Depending on the warranty company, a systems plan is also known as basic coverage. These plans are designed to be a cost-effective way to protect your home’s most essential systems and appliances and your furnace definitely falls in the “essential” category.
- Combo Plans/Comprehensive Plans. Combo and comprehensive plans are a good option for homeowners that want maximum coverage on nearly everything in their home, including their furnace. While these plans usually have slightly higher annual premiums, they’re certainly worth it if you don’t want to pay out of pocket for costly home repairs.
That being said, you will not get furnace replacement or repair coverage if you only get an appliance plan. While appliance plans are an awesome option for some homeowners, they’re not going to provide you with the protection you need for a furnace.
Simply put, they’re just not designed for that purpose. But, if you wanted coverage for your dishwasher, garbage disposal, or cooktop, they’re a great option.
Is A Home Warranty Worth It For Furnaces?
Even if you have a new home with the latest and greatest system, a home warranty plan for your furnace is worth it. Here’s why:
Protects You From Major Home Repair Bills
Repairing or replacing a furnace can cost thousands of dollars. A bill of this size can quickly wipe away your savings or drive you into debt.
When you compare that with the average home warranty cost for an annual premium, which is between $300-$600, it’s clear that you can save big time by having a warranty plan in place.
With a home warranty, you pay an annual premium and then a small service call fee every time you submit a claim. These comparatively small costs are way better for your budget than a massive repair bill when your furnace goes kaput in the middle of the winter.
Best Home Warranty For Furnace Coverage?
Choice Home Warranty is our top-pick furnace coverage. Why? You’re protected from major repair costs up to 5-ton capacity and they won’t deny coverage if you’re buying a home with an older heating system.
Helps You Get Quick And Easy Service
One of the best, and most overlooked, benefits of a home warranty protection plan is the fact that you also get simplified repair service. When you have a warranty plan, you simply need to submit a claim to your provider and pay a small service fee whenever you need a repair.
Then, the company will send a qualified service contractor to your home to assess, diagnose, and repair any issues. If your furnace breaks during an unusually cold spell, this easy repair service is a whole lot better than rushing to find someone that can come to your home at the last minute.
Covers What Home Insurance Policies Won’t
You probably have a homeowners insurance policy, so you might be wondering why you also need a home warranty. Well, the answer is quite simple: Home insurance policies don’t provide any financial protection when your systems or appliances break because of regular wear and tear.
Of course, they will likely cover your furnace repair bill if your home has been damaged by a fire, flood, earthquake, or some sort of natural disaster, but you probably won’t find “wear and tear” listed under the covered reasons section on your insurance policy. Meanwhile, your home warranty plan is there to help and will offer coverage for major appliances and systems that are malfunctioning because of years of regular use.
Plus, your home warranty policy will even cover you long after your furnace’s manufacturer’s warranty expires. This means you can have peace of mind, knowing that you’ll be protected even as your furnace and other home systems age.
Provides Additional Coverage For Other Systems And Appliances
If you’re reading our guide to the best home warranties for furnaces, you’re probably quite concerned about protecting yourself financially from large repair bills on your furnace. But, home warranty plans also cover other systems and appliances, like your air conditioning system, hot water heater, garage door opener, and ductwork.
So, with a single home warranty plan, you can protect nearly everything in your home. That way, you can get great coverage and service on your furnace, air conditioner, and everything in between.
Would A Home Warranty For Furnaces Cover Pre-Existing Conditions?
If you have an older home or an aging furnace, you might be wondering if a home warranty will cover any pre-existing conditions. Unfortunately, the majority of warranty plans will not cover any pre-existing conditions in your home if the issues are clear and obvious to a repair technician during routine visual inspection.
That means that if an experienced contractor could see that your furnace is clearly broken by looking at it, your warranty plan probably won’t cover the issue. However, if the problem is less obvious, then there’s a good chance you’ll be covered.
This is why it’s generally recommended that homeowners consider getting a home inspection before starting their new warranty plan. While home buyers normally do inspections before closing on a home, these are also a good idea before taking out a warranty plan.
That way, you’ll know if your furnace has any pre-existing conditions before your plan starts. If there are underlying issues, you can fix them and then take out the plan so you can be confident that you’ll be protected moving forward.
How Soon Can You Use A Home Warranty For A Furnace After Purchase?
Most home warranty plans for furnaces have a waiting period between when you start the policy and when you can make your first claim. The majority of companies have a 30 day grace period before your coverage starts.
However, if you already have a warranty plan and are just looking to switch providers, many companies will wave this grace period. You’ll simply have to show that you didn’t have any gaps in your coverage and then you’ll be able to make your first claim right away.
Check out this video for more information on how a furnace works and troubleshooting tips to assist you in diagnosing and repair.
What To Look For When Picking The Best Home Warranty For A Furnace?
Picking the best home warranty for your furnace is a serious business. You want to be sure that you’ll be covered if something goes wrong, but at the same time, you don’t want to pay any more than you have to. Here are some of the most important things to keep in mind as you’re shopping around:
The annual premium cost is going to be an important factor whenever you are deciding between different warranty plans. As we’ve mentioned, home warranties for furnaces can cost between $300-$600 for a year of coverage.
If you’re on a tight budget, a basic plan or a systems plan, which both usually cover furnaces, is likely your best bet. Otherwise, a comprehensive or combo plan will provide you with maximum coverage for your home.
In addition to an annual premium, you’ll have to pay a small service fee whenever you file a claim on your warranty. The cost of this fee varies from company to company, but you can normally expect to pay between $60-$125 for a service call.
In many ways, you can think of this service fee as similar to a copay at the doctor’s office. However, no one wants to pay more for their coverage than they have to, so a low service fee can save you money down the line. This is especially true if you find that you often need repairs on your home.
Inclusions, Exclusions & Add-Ons
While your main goal might be to get coverage for your home’s furnace, you’ll also get protection for a variety of other systems and appliances with a warranty policy. When comparing plans, take into account how many covered items you get for the cost of your annual premium.
In general, the more coverage the better. But, if a plan offers you coverage for a lot of items that you don’t even have in your home, it might not be the best option for you if there are more suitable alternatives available at the same price point.
Additionally, if you want coverage for items like a sprinkler system, pool, or spa, which are not normally included in a standard contract, you’ll want to look for a plan with good optional add-ons. Add-ons allow you to customize further your plan to best meet the unique needs of your home.
Coverage For Your Furnace Type
There are many different furnace types out there, including oil, electric, natural gas, propane, wood, and geothermal. However, before you sign up for a home warranty, you’ll want to read the fine print and be sure that your plan will cover your specific furnace type.
Most companies will offer coverage for propane, oil, electric, and natural gas furnaces. But, homeowners with alternative fuel furnaces will want to double-check their sample contracts.
Maximum Coverage Limits
The last thing to consider when shopping for a furnace home warranty is the maximum coverage limits that your plan offers. Some companies will protect you up to a certain dollar amount per “system” each year, while others will offer a per-item maximum repair or replacement limit.
As you can imagine, higher coverage limits mean more protection for you. However, you’ll often pay more for a plan with a bigger limit, so there is a bit of a tradeoff here.
Our Top Pick For A Home Warranty On A Furnace
If we had to choose just one of these great warranty plans to protect our home’s furnace, we’d have to go with Choice Home Warranty. With Choice Home Warranty, you get comprehensive coverage for your furnace with either of their plans.
Plus, you get a quick and convenient repair service through their 24/7 call center and online claims platform. If that wasn’t enough, Choice Home Warranty also makes it easy for homeowners on a budget to get the coverage they need with their low annual premiums and service fees.
If you live in Alaska, Idaho, Wyoming, Montana, Maine, or North Dakota, a home warranty that includes furnace coverage is essential. Check out our state pages for more recommendations based on your location.