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Top 5 Best Home Warranties For Luxury Homes (2023 Review)

Top Best Home Warranty Companies For Luxury Homes Review

Written By: Britt Olizarowicz

Edited by: Andrew Dunn

Looking for the best home warranty for your luxury home?

Perfect, you’re in the right spot. In this guide you’ll learn:

  • What is a home warranty for luxury homes?
  • How much will a home buyers warranty for a high-end property cost you?
  • Is a home warranty worth it for your luxury residence and how does it work?
  • Our Top Picks for Home Warranties That Cover Luxury Homes
  • And Much More!

We’ve reviewed 68 different home warranty companies, and below are our top picks for high-end appliances and systems specific to your state. Want to learn more about each? Continue reading!

Editor's Choice

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Best Overall

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

Limited Time: $150 Off All Home Warranty Plans
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Our Top Home Warranty for Luxury Homes Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • 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.
  # 2 Liberty Home Guard
Editorial Rating 98.00
  • $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
  # 3 American Home Shield
Editorial Rating 97.60
  • 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.
  # 4 Select Home Warranty
Editorial Rating 97.20
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  # 5 Cinch Home Services
Editorial Rating 95.30
  • 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

Do you own a high-value residence, estate-style property, new modern home or vacation villa and with extravagant major appliances and systems? No matter if you are a luxury homeowner, homebuyer or real estate agent, you have come to the right place. 

Top 3 Home Warranty Companies For Luxury Homes (2023)

ProviderBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantyBest Overall$45 – $53$85D+
Liberty Home GuardBest Customer Service$45 – $54$75A-
American Home ShieldMost Customizable$25 – $75$75 – $125B

Choice Home Warranty (Best Home Warranty for Luxury Homes)

Choice Home Warranty is the best home warranty for luxury homes. Living in a luxury home comes with quite a few high expenses. One of those expenses can be the repairs and replacement of luxury appliances and systems. Choice Home Warranty offers two plans, the Basic Plan and Total Plan, and both will cover the high-end systems and appliances featured in a luxury home. Homeowners that live in luxury homes need to be very careful about two things when choosing a homeowners warranty policy, the policy limits and the range of coverage. 

With both the Total Plan and the Basic Plan, Choice covers a mix of appliances and systems. With other companies like Select Home Warranty or American Home Shield, you will have to purchase a premium combo plan to get both systems and appliances on their policy. As luxury homeowners, the last thing you need is your HVAC system to go down, but only your microwave and dishwasher are covered. Choice has an extremely straightforward and clearly laid out policy and contract, you will know exactly what is covered and the costs involved. 

The policy limits of choice go as high as $3000 on many of the appliances and systems. This means that if your high-end dishwasher breaks and needs a $1000 part, it will likely all be covered outside of the service fee. With a company like Select Home Warranty, the policy limit would be closer to $500. The Select Home Warranty policy limits are not enough for replacement in luxury homes, but they are likely not even high enough for an adequate repair. Luxury homes sometimes involve complicated repairs; Choice Home Warranty offers free reservice for any failed repair in your luxury home. The combination of benefits and fair pricing makes this an incredibly smart investment. 

Luxury homeowners can take advantage of a promotion that Choice is currently offering on both their Total and Basic Plans. The promotion includes $50 off, one month free, and free cancellation for the first 30 days.


  • Simple and easy to understand home service warranty contract 
  • Only a few exclusions in the Total Plan make it a great choice for luxury homes 
  • Add-on coverage or additional coverage available for items not covered in basic plans 


  • There is no option for a custom plan where you choose the appliances or systems covered
  • You cannot choose your own technician to do the work in your luxury home 

American Home Shield (Most Customizable)

American Home Shield is a premium home warranty company for luxury homes. If you know that your home has top-of-the-line everything, and you only want the broadest and most comprehensive coverage, American Home Shield could be the best choice. Although American Home Shield has several plan choices that you can use, you may also benefit from putting together a completely custom home warranty plan. With the custom plans, expect everything from your dishwasher to your swimming pool covered under the AHS plan. When you do this customization and build-out, you can choose to pay a lower monthly fee and a higher deductible or vice versa. In the end, you will feel as though you built a plan for your home. 

The American Home Shield policy is also known for having high policy limits. Some of the limits are more than $2500 on certain appliances and systems. With a luxury home, chances are the systems and appliances will be higher-end and more expensive to repair and replace. With the Select Home Warranty policy, many of the limits are around $500, which won’t give you much room to repair a luxury item. With more than 50 years in the business, American Home Shield knows what is required to take care of a luxury home. With the ability to submit a claim 24/7 and quick response times, this is a smart investment for your luxury home. 

The American Home Shield policy is currently offering a promotion that gives $50 off the plan. Now is a great time to get your luxury home adequately protected from its next expensive repair.


  • Known for quality workmanship and customer service
  • AHS gives customers the ability to customize both plan and payment options
  • A very broad range of coverage options from plumbing systems to the sump pump to ductwork


  • The pricing is higher than other companies 
  • BBB rating is only a B, some issues with customers service in the past 
  • Some optional coverages for non covered appliances will increase the price of the plan

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable home warranty plan for luxury homes. Just because you live in a luxury home does not always mean that you want to pay high appliance and system repair prices. If the costs of maintaining and repairing the house are getting a bit too high, the SHW plan could be the perfect choice to consider. The monthly premium and the deductible of only $65 are going to save you quite a bit of money. With American Home Shield having deductibles closer to $125, the savings are quite significant. 

Another reason that Select Home Warranty can be a smart choice for a luxury home is the high contractor professionalism. In order for a company to become certified as a Select Home warranty contractor, they will need to put quite a bit of time into going through the qualification process. If there is an issue that comes up, Select will quickly go with another contractor or technician. This means that those coming into your home to do repairs will be well vetted by the SHW team. With the fair pricing, the qualified repair technicians, and more than ten years in the industry, Select Home Warranty is a good choice for those looking to get adequate coverage on their luxury home. 

Select Home Warranty offers a promotion that features $150 off, two months free, and 30 days to cancel without it costing anything. This is undoubtedly a risk-free offer that luxury homeowners should consider.


  • One of the most affordable plans on the market, even for luxury homes  
  • Plan choices are simple and straightforward
  • Free roof coverage with the Total plan 


  • $75 Cancellation Fee
  • Must file a claim quickly, or it will potentially be denied  
  • Lower policy limits may not cover full replacement costs on high-end systems or appliances   

We understand that as an affluent homebuyer, you look for trustworthy appliances to make your day-to-day life easier. Luxury appliances are becoming more advanced each year, and appliances are no longer just about looks. Upgrades today consider the safety, efficiency, and technology of your home and these products should be adequately protected by the home appliance insurance best for your needs.

But, what happens when your induction cooktop no longer heats up? Or your KitchenAid professional stand mixer leaves your ingredients unmixed? Thankfully, there is an easy answer: home coverage for major appliances and major systems. With a home protection plan, you will not have to worry about paying out-of-pocket expenses for repairs in these situations.

So do you want peace of mind knowing that your high-dollar appliances in your seven-figure home will be insured? Ahead, we will talk you through why home warranties for a luxury property is strongly encouraged, and we help you make an informed decision on which home service company will save you the most money.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

What Are Home Warranties For Expensive Appliances and Systems?

A home warranty for luxury properties does not only protect regular systems like ductwork and appliances like dishwashers, it’s much grander, covering your unique and one-of-a-kind items tailored to your home. This service contract between you and the warranty company protects your high-dollar items from everyday wear and tear.

You may ask, what appliances and systems are considered “luxury”? Well, the list begins in the kitchen but is not limited to recreational luxuries, such as a pool or spa. 

Buyers nowadays are looking for the latest and greatest kitchen appliances to make their at-home dining experience a bit more gourmet. Below are a few examples of luxury kitchen appliances:

  • Sub-Zero Refrigerators
  • Induction Cooktops
  • Wall Ovens
  • Warming Drawers
  • Trash Compactors
  • Wine Chillers
  • Ice Makers
  • Coffee and Espresso Machines

It’s no secret that these performance items go beyond the simple functions of standard appliances. Technology has even worked to the luxury homeowner’s benefit, allowing these items to become the latest and greatest. In 2021, we are seeing a growing number of smart refrigerators, with Wi-Fi accessibility and touch screen capabilities. If you are curious about the latest smart-refrigerators, check out this video.

As an owner of these expensive appliances, you will want a home warranty to mitigate the cost of malfunction on these appliances, so your nightly cooking routine will never be interrupted. 

So, what’s the difference between coverage for regular appliances and coverage for luxury appliances?

Here’s the answer. Most companies offer basic coverage for commercial grade items, but simply upgrading your home protection plan can salvage these high-dollar goods. For example, American Home Shield strives to help hold your items to their luxury status by offering a Combo Plan that lets you protect both your luxury appliances and systems at the same time. By choosing this plan, you can ensure that your luxury built-in food centers, like a warming drawer, are insured alongside a more basic system, like HVAC. American Home Shield will cover up to $3000 in repair and replacements costs for your built-in food center.

So, if an appliance breaks and results in a total system failure, this is where a superior home warranty plan can be a big help. Replacements can be annoying, but if the appliance is a covered item under your warranty plan, it is no longer a hassle, rather an exciting new addition to your luxury home.

Still Have Questions? Read Also: What is a Home Warranty – Our FAQ

What Does Coverage For A Luxury Property Cost?

As the owner of a luxury home, your appliances might have translated to higher initial costs when the home was purchased, but this does not mean you should have to pay an immeasurable amount for home repair and replacement costs in the event of a breakdown of one of your high-dollar belongings. 

Wondering what makes owning a home warranty for a luxury property so affordable? Here’s why: Because of the mere fact that no matter the square footage of your home, the advanced operation of your systems or rarity of appliances, there is a plan to fit the needs of your home and wallet.

Generally speaking, most home warranty companies offer generic warranty plans and premier plans for a wide range of homeowners. But each home warranty company and plan is different, so it is difficult to provide an exact value.

best home warranty for luxury homes facts

For example, Choice Home Warranty, one of our favorites, offers a basic plan, also known as the Silver Combo Plan, and a total plan, known as the Platinum Combo Plan. The Silver Combo Plan is perfect for regular homeowners looking for basic coverage, like the heating system, plumbing system and electrical system. But, luxury homeowners usually appreciate greater coverage for their unique appliances, making the Platinum Plan the best choice. While more items in a plan often equate to a higher price, the value is really in the number of home appliances and systems covered.

Other companies offer Build Your Own plans or special add-on coverage. A Build Your Own plan is one of the most expensive plans to choose from, but it comes with the convenience and flexibility of choosing which items to cover. 

In general, when you file a claim with any home warranty company, you have to pay a service fee or call fee to the company for the contracted technician. Service call prices vary between homeowners warranty companies and can depend on your policy. 

So, just think about it, saving a lump sum of cash each year by simply investing in a home warranty plan, eliminating almost all out-of-pocket expenses for maintenance. We at ReviewHomeWarranties.com know that owning a home warranty plan, especially a platinum or premier plan, will give you the peace of mind that luxury items are covered in the event of an issue.

Read Also: Which Home Warranty Plan is the Cheapest?

Are Warranties In A Luxury Home Worth It?

It’s no surprise that top-of-the-line appliances often accompany the purchase of a luxury home. In fact, most realtors are quick to highlight unique standout appliances in a luxury property. But, you might be wondering, do I really need to spend the extra money on a premium plan to cover these items?

The short answer is yes, but let me set the scene to help you understand.

After a long day at the office, nothing sounds more pleasing than a chilled glass of white wine. Your new under-counter Dacor Wine Cellar is a wine connoisseurs dream and the highlight of your kitchen. However, as your drink is dispensed, the glass feels warm and lacks the fruity taste you were craving. You quickly realize the system is malfunctioning. So, what do you do?

The answer is easy with a home warranty; you file a claim immediately. Your glass of fresh white wine cannot wait another day, and lucky for you, many home warranty companies are available 24 hours a day, seven days a week. Choice Home Warranty, our number one pick on the home warranty market, ensures customers that they can be reached around the clock.

Moreover, home warranty coverage that guarantees quick response and repair times for your favorite luxury items is an added benefit.

Also, if you consider the cost of repair for any home system or appliance out-of-pocket, it is financially stressful for any homeowner. Besides, wouldn’t it be easier to not even to have to worry about the cost of time and money in finding a contractor that specializes in fixing your Dacor wine dispenser? We at Reviewhomewarranties.com think so and know that this is where an upgraded home warranty plan is worth it. 

Here’s the bottom line: Even as a luxury homeowner, unless you have cash set aside for expensive repairs, a more premium plan or add-on coverage is worth it in order to keep your luxury items fully functional when you need them to be.

How Do Warranties For High-Dollar Items Work (Are They Unique)?

Here are three steps to choosing the best home warranty for high-dollar properties. 

Step 1: Find The Right Home Warranty Companies Relative To Your Luxury Needs

It is a good idea to consider which companies are the most credible in the public’s opinion to cover your unique items. Usually the top company, Choice Home Warranty and its competitor, American Home Shield, are more trusted by customers for luxury items.

When companies fail to provide coverage information, like pool coverage, where only 21% of companies do not provide any information about pool coverage except that they offer it, it is a clear red flag. 

Transparent companies like Choice Home Warranty want to ensure customers that their unique items will be safeguarded, which is why their coverage limits and premiums for pools are clearly disclosed. Choice Home Warranty even has earned a four out of five starts for trustworthiness, making them a leader in the industry.

When homeowners are clearly able to understand which of their expensive items are covered or not covered and the cost, claims are less likely to be denied.

Read Also: What Are The Best Companies For Pool Coverage?

Step 2: Decide Which Plan Fits Best With Your Luxury Items and Sign A Service Agreement With A Company

Take a look around your house and ask yourself which items you prefer to be insured. Consider the age of your house, the age of your appliances and systems, and how they are treated.

For example, if you are a frequent traveler and rarely use your appliances or systems, a more basic plan could be right for you. The same goes for people who are gentle with their belongings. The downside to this is that standard policies generally leave gaps and often overlook luxury items. 

For expensive items, either customizable or combo plans are usually more suited for high-dollar property owners. American Home Shield offers both a Build Your Own Plan for 10 items and a combo plan covering over 21 appliances and systems. For example, in the event your dual-shot espresso barista breaks down, American Home Shield will protect these built-in machines in both plan options. 

Moreover, luxury consumers that opt into a less-rigid coverage plan feel that they have more control of their home and budget’s unique needs.

Step 3: Submit A Claim And Wait For Your Items To Be Repaired and Replaced

Once a covered system or appliance breaks down, call your provider within 24 hours and the company you have chosen will send a technician from their network to fix the issue. Usually, the service provider will contact you to schedule an appointment mutually.

What makes luxury appliance and system coverage unique for customers is the convenience of not having to deal with repair and replacement issues themselves or the hassle of finding a contractor. Choice Home Warranty’s network of over 10,000 is experienced in spa assistance so that you can continue enjoying your much-needed downtime.

If the service contractor discovers that your spa is unable to be repaired, the replacement process will be underway and is generally replaced within 90 days, which is standard for most companies.

Final Thoughts On Warranties For High-End Appliances And Systems

In conclusion, if you own a high-end primary or secondary residence, it is best to have protection on your appliances and systems. Besides, who is able to enjoy a luxury vacation home when the HVAC system is broken? 

Luxury homes are an investment, and it is important to make sure that your appliances are always in tip-top condition, especially if you are about to put your home on the real estate market. Luxury homes, condos, townhomes, and vacation properties can be difficult to sell, and when everything is in proper working condition, the home is much more appealing to a new home buyer. Having a protection plan can even help your luxury property sell faster and at an average of $2000 more. 

Read Also: What Is The Best Home Warranty For A Condo?

No matter if you live in an oceanfront property in Maine, a Hawaiian escape vacation home, a river house in Montana, or a mountain home in Vermont, there is appliance and system protection for you. Check out our state-specific pages for more information. 

So, don’t get stuck with out-of-pocket expenses or financial woes for major home luxury items. We at ReviewHomeWarranties understand there is a lot to think about when investing in home protection, but we believe you should consider it essential when it comes to a luxury appliance or system.

Home Warranty for Luxury Homes FAQs

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


Do home warranties cover luxury homes?

Yes. Many home warranty providers do have square footage limitations, usually around 5,000 square feet. There also may be limitations on the types of appliances covered. For instance, if you have a Sub-Zero refrigerator or a Wolf stove, you’ll want to read the service agreement carefully to see if these are covered. There is often language in a service agreement regarding “commercial grade” appliances. 

Does American Home Shield cover luxury homes?

Yes, American Home Shield does cover luxury homes, up to 5,000 square feet.

Which home warranty offers the best coverage for luxury homes?

American Home Shield and Choice Home Warranties often vie for the top spot in our reviews. In this instance, AHS wins out. They are a higher-end product with more covered items in their Combo Plan than many of the other contenders. And with a straightforward “all components and parts” policy with their appliances, you know exactly what you are getting for the premium payment.

$$ 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

What does a home warranty cover?

A home warranty is meant to cover specific appliances and systems in your luxury home. When a system or appliance breaks down due to everyday wear and tear, a homeowner’s insurance won’t do you any good. When your manufacturer’s warranty runs out on a water heater, HVAC, or refrigerator, the company isn’t going to cover repairs. A home warranty fills the gap left by insurance and a manufacturer’s warranty.

Typical appliances covered:
  • Refrigerator
  • Range/stove/cooktop
  • Dishwasher
  • Built-in microwave
  • Clothes washer
  • Clothes dryer

Typical systems covered:
  • HVAC including ductwork
  • Electrical system
  • Plumbing system including stoppages
  • Water heater

Coverage doesn’t stop there. A home warranty will often cover smaller systems and appliances like doorbells, garbage disposals, exhaust fans, and garage doors.

You can also get add-on coverage for other luxury items in your home for a small charge above the normal monthly premium.

Potential add-on coverage:
  • Pool/spa
  • Wine refrigerator
  • Guest unit
  • Home electronics
  • Stand-alone freezer

How do I choose the right home warranty?

To choose the right home warranty for your luxury home, use these three steps:
  • Research - Do the due diligence you are doing right now. Find out which companies are available in your state. Look at the systems and appliances covered, and the optional add-ons that are most important to maintaining your luxury home.
  • Get multiple quotes - Once you’ve narrowed your choices down, get quotes from the top two or three companies to compare coverage and prices.
  • Read the service agreement - The contract for a home warranty is called a service agreement. Read it carefully to understand the coverage scope and limitations.