Top 5 Best Home Warranties For Veterans (2023 Review)
Written By: Ross Robinson
Edited by: Andrew Dunn
A home warranty can be essential to having peace of mind and avoiding costly home repairs and replacements. After serving your country, having the perfect home without worry would be ideal. Owning a home and getting to settle down in one location is one huge benefit of being a veteran. Finding the best home warranty coverage for veterans can be difficult when you aren’t an expert. Read on to learn about the top home warranties for veterans, veteran and military discounts, and more.
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!
Our Top Home Warranty for Veterans 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
Top 5 Best Home Warranties For Veterans
- 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
Compare Home Warranty Providers for Veterans
| 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 |
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty for veterans. Choice has been on the market for a little more than 13 years, and they have continued to provide fair and impressive coverage to veterans. Choice Home Warranty has two plan options that are extremely straightforward and have comprehensive coverage. If you are having a hard time deciding between a home systems plan or a home appliances plan, Choice Home Warranty is a perfect option. Choice Home Warranty has very high coverage caps ensuring that even high-end appliances are adequately covered.
Pros | Cons |
Comprehensive plan options | No option to build out a custom plan |
Simple contract |
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Fair pricing for monthly and service fees |
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Free cancellation for the first 30 days |
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Plans, Pricing, and Coverage
The two plans from Choice are the Basic Plan and the Total Plan. Choice Home Warranty is known for fair pricing and availability across 48 states. The Total Plan tends to be a popular choice because of the air conditioning and refrigerator coverage that it includes. The service fee from Choice is $85, but this is in line with averages from other home warranty companies. Coverage from Choice Home Warranty is impressive because of those high coverage caps. Most of the coverage caps are close to $3000 for any individual appliance or system.
Here’s a more detailed look at CHW’s plan options:
- Basic Plan ($45 per month): The Basic Plan covers 13 items, including 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): This comprehensive plan covers all 13 items in the basic plan plus four more to cover a total of 18 items. This plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. The five additional coverages you get with the Total Plan are well worth the extra few dollars each month.
- Optional add-ons: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. These add-on coverages vary, starting at around $5.00 per month.
Plan | Cost Per Month | Service Fee |
Basic Plan | $45 | $85 |
Total Plan | $53.33 | $85 |
What Customers Are Saying:
“Called on Sunday evening and someone answered the phone! I was able to get appointment for two systems! They Are coming out this week. Great services!” – Source
2. Best Customer Service: Liberty Home Guard
Liberty Home Guard is the best veteran home warranty for customer service. If you are worried about how a company will handle your needs when a system or appliance breaks down, Liberty Home Guard is a perfect option to consider. Liberty Home Guard offers homeowners quick response times and a 60-day workmanship guarantee. Veterans who choose Liberty Home Guard will also enjoy a long list of add-on coverages that include everything from a locksmith to carpet cleaning. Liberty Home Guard has only been on the market for two years, but they have managed to earn an A- rating with the BBB.
Pros | Cons |
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 |
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60 Day workmanship guarantee |
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Add on coverage list is very extensive |
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Plans, Pricing, and Coverage
The three Liberty Home Guard plans, include Appliance Guard, Systems Guard, and the Total Home Guard covering both appliances and systems. Although the monthly premiums for Liberty Home Guard may be high at upwards of $80 per month, the level of coverage included is unbeatable. The service fee is affordable at $75 per service call. The coverage caps from Liberty Home Guard are around $1500 per covered system or appliance, a number in line with industry averages.
Here are more details on Liberty Home Guard’s plans:
- Appliance Guard ($44.99 per month): This plan covers 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a great place to start for veterans who are unsure if a home warranty is a good option for their home.
- Systems Guard ($49.83 per month): The Systems Guard plan offers coverage on nine systems, including the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing, plumbing stoppages, and water heater.
- Total Home Guard ($54.33 per month): The Total Home Guard plan covers all of the systems and appliances of the two other plans to cover a total of 20 items. Most items systems and appliances have a $1,600 coverage limit, but air conditioning units and heating systems have a higher cap of $2,500. The Total Home Guard is the most popular Liberty Home Guard plan.
- 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. The pricing of Liberty Home Guard add-on coverages can add up quickly.
Plans | Cost Per Month | Service Fee |
Appliance Guard | $45 | $75 |
Systems Guard | $49.83 | $75 |
Total Home Guard | $54.33 | $75 |
What Customers Are Saying:
“I am impressed by Liberty Home Guard’s high standards. Their wait times are very low (compared to other home warranty companies I’ve had in the past) and everyone I interact with there acts professionally and seems to really care about helping. Chris helped me on my most recent experience and because of his quality service and communication, I felt the need to leave this positive review for him and Liberty.” – Source
3. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for veterans. With an American Home Shield home warranty, you can pick and choose coverages that work best for your needs as a homeowner. This means that if you want your microwave covered but not your electrical system, American Home Shield can help. This company has been on the market for 50 years, ensuring a thorough understanding of the home warranty industry. Some of the coverage from American Home Shield is priced a little higher than other warranty plans, but the value is there with high coverage caps and high claim approval ratings.
Pros | Cons |
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 |
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Plenty of add-on coverage choices |
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Plans, Pricing, and Coverage
American Home Shield has three plans to choose from. It is important for veterans to know that these home warranty plans are just the start of the policy. With AHS, you can build a unique plan that works for your needs. The coverage caps from American Home Shield are typically around $2500 and up. ShieldPlatinum has coverage caps over $5000 for some systems and appliances. American Home Shield has premium pricing, but when you want a no-hassle, quality, and professional company, sometimes the extra money spent will be well worth it.
Take a closer look at AHS’s protection plan options:
- ShieldSilver™ ($35.82 per month): This plan offers coverage on 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener, heating system, plumbing, and ductwork. Most of the systems on this plan include coverage caps around $2500.
- ShieldGold™ ($55.82 per month): This plan covers 23 systems and appliances, including many offered on ShieldSilver, plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. Many veterans choose this policy because of the increased coverage by adding in the appliances.
- ShieldPlatinum™ ($85.82 per month): This 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. ShieldPlatinum has many other benefits, including a $1000 coverage for unexpected expenses like permits. This is one of the most comprehensive plans on the market.
- Optional add-ons: There are six additional coverages offered by AHS, including the septic system, pool and spa, PC, TV, and well pump coverage. The pool coverage seems to be the most popular option considering the pricing and the coverage.
Plans | Cost Per Month | Service Fee |
ShieldSilver | $25.82-$45.82 | $75 – $125 |
ShieldGold | $45.82-65.82 | $75 – $125 |
ShieldPlatinum | $75.82-95.82 | $75 – $125 |
What Customers Are Saying
“Super easy and fast claim process. My heat went out on Monday night, I was able to file the claim and talk to someone that night. Contractor called me in the morning, and I had heat the next day. Cost me $100 deductible only. I recommend AHS to all my family and friends as I was referred the same way.” – Source
4. Most Affordable: Select Home Warranty
Select Home Warranty is veterans’ most affordable home warranty. Select Home Warranty has been on the market for about ten years, and they continue to try and offer homeowners the value they need to afford a home warranty plan. The great thing about Select Home Warranty is that they are concerned with affordable coverage and workmanship quality. Getting affordable coverage is great, but it is most important that the repair technicians can fix the home warranty-related issues around your home. Select Home Warranty also offers free roof leak coverage with all policies to make things even more affordable.
Pros | Cons |
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 |
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One of the most comprehensive plans on the market |
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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. The Platinum Plan is the best option. For just a few dollars more per month, homeowners get cover for their home appliances and systems. The home warranty plan from Select Home Warranty has slightly lower coverage caps, and veterans with high-end systems and appliances should take note of this.
Take a detailed look at Select Home Warranty’s plan options:
- Bronze Care ($44.42 per month): The Bronze Care plan is a starter appliance plan for veterans. This plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This plan costs the same as the Gold Care plan but doesn’t include systems coverage.
- Gold Care ($44.42 per month): Gold Care is very similar to Bronze Care, except it only offers systems coverage. This plan covers six major systems, including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork.
- Platinum Care ($47.75 per month): The Platinum Care plan offers complete protection and covers all systems and appliances in Bronze Care and Gold Care. It has higher coverage limits on important items such as a $2,000 air conditioner, heating, and hot water heater and comes with free roof leak coverage. This is by far the best plan choice for veterans.
- 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.
Plans | Cost Per Month | Service Fee |
Gold Care | $44.42 | $60 |
Bronze Care | $44.42 | $60 |
Platinum Care | $47.75 | $60 |
What Customers Are Saying
“ had an electrical issue that needed immediate resolution, I called SHW’s claim department, and within 10 minutes, they had a vendor calling me to make a service appointment. D Blake Electric and Refrigeration responded within 2 hrs and resolved the issue; my thanks to both SHW and D Blake for outstanding service.” – Source
5. Best for Quick Coverage: The Home Service Club
The Home Service Club has the best quick coverage for veterans. As you will come to learn, leaving your home without home warranty coverage in place can be a risk. With The Home Service Club, you can decide to have coverage for your home, and ten days later, the plan will be in full effect. The Home Service Club has a long history in the home warranty industry with more than 13 years of experience. The customer service and broad range of coverage options will really help The Home Service Club home warranty stand out from other plans on the market.
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 has about 18 covered appliances and systems, while the Comprehensive Plan has 33. The number of covered items you get for the price is pretty impressive and something that Veterans should consider as they shop. Coverage caps under The Home Service Club home warranty will range in price from $500 to $2500. The service fees associated with the plan are customizable and will be set at the start of the home warranty policy.
Take a more detailed look at The Home Service Club’s home warranty plans:
- Standard Coverage ($46.25 per month): The Standard Plan is the most basic option from The Home Service Club. Even though this is considered the basic plan, there are 18 covered items. This plan will cover almost everything a veteran could need as part of their home warranty plan. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.
- Comprehensive Coverage ($58.75 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Although this coverage is helpful, it may be more than some veterans need.
- Optional add-ons: The add-on coverages from The Home Service club are quite good. 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. These coverages vary in price and start around $5.00 extra per month.
Plans | Monthly Fees | Service Fees |
Standard Coverage | $46.25 | $95 |
Comprehensive Coverage | $58.75 | $95 |
What Customers Are Saying:
“I want to make sure I do my part to save water. Imagine my abject horror when water was leaking from our upstairs toilet! Good things HSC responded very quickly. They came just before the water reached the bedroom. The damage wasn’t that bad.” Source
What Veterans and Military Should Know Before Choosing a Home Warranty Company
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 good home warranty company.
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 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 the 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.
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!
Are You A First-Time Buyer? Check Out This Article!
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?
Best Home Warranty For Veterans?
Choice Home Warranty is our top pick for veterans looking for a home warranty. Choice has more than 10 years of experience helping veterans insure their properties and even offers transfer policies without charge.
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, furnace, 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.
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.
- 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