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Top 5 Best Home Warranties For Veterans (2021 Review)

Top Best Home Warranty Companies For Veterans Review

Looking for the best home warranty coverage for veterans?

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

  • What does a home warranty for a veteran cost?
  • Is a home warranty worth it for military personnel?
  • What should a service member or vets look for in a home warranty plan?
  • What is our top pick for a home warranty for a veteran?
  • And much more!

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

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

Ever since the days of the GI Bill, the business community—especially companies related to real estate—has been looking for ways to recognize veterans’ service (to earn their trust and gain their business). Housing affordability and related services, like home warranties for active military and veterans, have been one way to offer that recognition. There are discounts and incentives provided by warranty companies and even third-party veteran support organizations. 

However, that doesn’t mean the deals and the best policies are always easy to find. That’s why we wanted to rate home warranties specifically, as they relate to veterans. Home warranty companies want to gain the business of vets.

In this home warranty review, you will also learn about comprehensive coverage, components that go into home warranty costs, the difference between homeowners insurance and a home warranty, basic plan options, covered items, and a general overview of what to expect from a home warranty company. 

What Are The Basics About A Home Warranty Plan for Active or Retired Military?

For anyone looking at home warranties, it is important to first understand the difference between homeowner’s insurance and a home warranty. A homeowner’s insurance policy covers damage and loss from unexpected events like fire, flooding, or theft. A home warranty covers repair costs and in some cases, replacement costs of systems like HVAC and plumbing, along with home appliances, when they stop running from either old age or normal wear and tear. So first thing, understand home insurance and home warranty differences. 

Homebuyers of new construction will have a home builder warranty for at least the first year. And if you are living on base, appliance and system breakdowns are somebody else’s problem. Home warranty providers offer some helpful solutions.

Some home warranty companies offer a separate systems plan and appliances plan, or combo plans. Some offer basic coverage that will cover some systems and appliances, but not others. The best home warranty companies will offer a wide enough variety of coverage options that, whatever your situation, there will be a coverage option that is right for you.

Is Home Warranty Coverage Worth It For Veterans?

It all depends on your situation. But let’s take a look at differences between what a home warranty can mean for active-duty military and veterans, so you can see if a home warranty is worth it for you.

Active Duty

While you are active in the military, you get your basic allowance for housing (BAH). BAH can be used for mortgage and other housing expenses. Your BAH will stretch further in some areas than others, but it could help you stretch your budget, making a home warranty an easy decision to make. 

Here’s a BAH explainer from a current military spouse:

If you get a VA mortgage, the terms are very generous compared with other types of mortgage instruments. 

Ask your real estate agent about home warranty options. With a VA loan—again depending on where you are serving and the cost of living in that area—there will even be room in the BAH for the home warranty. In that case, it is definitely worth it for the peace of mind a home warranty offers. You want to spend time with your family when you are not on base or otherwise on duty, not fussing with a home repair company regarding the water heater, dishwasher, or air conditioning (for instance) on your days off.

Veterans

Well, you are out of the armed services and do not have that allowance for housing. Is a home warranty still worth it? Again, it will depend on your situation. 

But generally, for an older home with systems and appliances that are not brand-new, a home warranty can be good protection for your wallet. Instead of repairs not covered by homeowner’s insurance coming completely out of pocket, you have a warranty to pick up the slack. 

And once again, a VA loan provides very favorable terms, leaving you more money in your pocket for things like a good home warranty. And while the companies we reviewed do not all offer discounts specifically for military people, if you are buying a home, there are many national and regional organizations looking to help veterans defray the costs of homeownership. 

So for both active duty and veteran military, a home warranty can be worth it for providing you with peace of mind regarding home repair and maintenance. 

veteran home warranty facts)

What Does a Home Warranty for Veterans Cost?

If, similar to your active duty days, you are planning to move frequently, home warranty plans can be a good idea. That way, you are not worrying about the condition of your appliances and major systems, and you can offer a home warranty as an incentive when the time comes to sell your home and move on. 

Are you a member of USAA? As a member of the military, USAA offers a home warranty military discount.

The policies reviewed here range in price from $395 to $800. There can be additional charges for additional coverage on pools, hot tubs, well pumps, or roof leaks—systems not normally covered by standard home warranty plans.

Be sure to understand all the costs. Along with monthly payments for premiums, there are deductibles, also called service call fees, and add on protection. So, understand the total amount you are likely to pay, as well as the coverage maximums. Ask for a sample contract and read carefully before signing on the dotted line. 

Do you live close to the San Diego Naval Base? We’ve picked the top 5 home warranty companies of the most benefit to you!

Do Home Warranties Cover Rentals for Military Personnel?

Yes, so rentals can be a great investment for veterans or active military who are also landlords . A military salary only goes so far, and many veterans purchase investment properties in order to build a solid financial future. A home warranty on your rental property can be a good idea, especially since the systems are often older and the appliances and other fixtures may not be “top of the line.”

It can be a boon for veterans who are tenants as well. When a landlord has this kind of coverage, repairs are likely to take less time, and the landlord will be less likely to balk at making the repairs. It’s a win-win.

Read Also: What Is The Best Home Warranty For My Rental Property?

However, most of the top service providers will waive this waiting period if you’re simply switching plans from one company to another. In these situations, if you can prove that you haven’t had any gaps in your warranty coverage, then you can make your first claim as soon as you enroll.

How Soon Can You Use A Home Warranty After Purchase?

Generally, the time between when your policy begins and when you can file your first claim is 30 days. This is standard through the industry, but check your service contract to get the specifics on the policy you choose. 

What Should You Look For When Picking The Best Home Warranty As A Veteran?

There are several factors you should pay attention to in order to get the best home warranty for your needs. Here is a quick rundown:

What Needs Coverage

It’s not just about the discount or incentives to purchase. You want a policy that will cover as many of your major home systems and major appliances for the least amount of money. This will mean comparing provider’s basic plans with their more “soup to nuts” plans.

Coverage will vary. Basic coverage may or may not cover the following: electrical system, plumbing system, garbage disposal, ductwork, air conditioner, garage door opener, clothes washer, heating system, smoke detectors, and cooktop. So be sure to examine the options to make sure you are covered.

Read Also: What Is The Best Home Warranty For HVAC?

Often companies will offer optional coverage on systems and appliances like ceiling fan, ice maker, swimming pool, whirlpool, central vacuum, sump pump, septic system and plumbing stoppages.

Bang for your Buck

Whether you are active military or a veteran, you want the most for your money. Pay attention to your BAH and weigh that against the premiums and deductibles of each home warranty plan you research. Coverage options vary from provider to provider. Will you need to add protection for a pool? Do you need a “platinum” plan or will a basic plan cover the items that most concern you in the home? 

Mobility

If you are a career military, you might be moving from place to place on a regular basis. Some home warranty companies charge for transferring a policy to a new home. If mobility has been your experience and you see more transfers in the near future, find a policy, like Choice Home Warranty, that will offer a free transfer of the policy.

Do You Own A Mobile Home? Check Out Our Reviews On The Best Coverage for A Mobile Homeowner

What Are Some Helpful Resources for Vets Looking at Home Warranties?

USAA

If you are a member, USAA offers military discounts for home warranties, along with the insurance programs they are well known for. Contact your USAA rep to find out more about this discount. 

Operation Homefront

Operation Homefront has many great programs for active military and veterans, from help with rental costs to outright payment of mortgages through their Homes on the Homefront Program. 

Looking for coverage as a veteran in Tucson? Check out the top 5 companies for Tucson residents.

Top Home Warranties For Active and Retired Military 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

Our Top Pick For a Home Warranty for Veterans

Choice Home Warranty, with their competitive pricing and consistently high ratings for service is rated our top choice for military. While not offering a specific military discount, the pricing and plans are such that they are the best bargain. Not to mention that when you are called to service—whether you are being stationed elsewhere or moving closer to the grandkids—your plan can travel with you to your new home.


  # 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