Living in Florida is a dream come true for many homeowners. With access to the beach, beautiful weather, and a lifestyle that can feel like a vacation, Florida is a wonderful place to live. Homeowners in Florida also have the benefit of choosing between condos, townhouses, and single-family homes. Whether you live in the Florida Keys or up in the Panhandle, you won’t be immune to issues that can come up with your home systems and appliances. Fortunately, a home warranty can help. Keep reading to learn about the best home warranty companies in Florida.

In this guide, we will cover . . .

Top Best Home Warranty Companies In Florida Review

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty in Florida?
  • The 7 best home warranty companies in Florida 
  • And much more!
Editor's Choice

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Best Overall

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Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
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Florida is hot, and it is humid. If you don’t have a working HVAC system, ceiling fans and even some protection of your swimming pool, you can have some pretty miserable days in Florida. The home warranty policies offered in Florida help homeowners to budget and have peace of mind about their home. 

If you have been looking into the best home warranty plans for Florida residents and are having a hard time narrowing down the choices, we can help.


Best Home Warranty Companies in Florida

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • Get $50 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 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 7 Best Home Warranty Companies in Florida:

Florida Home Warranty Companies Reviews

There are dozens of home warranty companies available to Florida homeowners. These home warranties are offered throughout the state. This means that homeowners that live in Naples will be paying the same as those in Jacksonville. When comparing these home warranty policies, we considered time spent in the industry, coverage caps, plan options, add-on coverage choices, and much more. Here are our reviews of the top seven home warranty companies in Florida.

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Florida. With the Choice Home Warranty plan, you will benefit from the 13 years that Choice has spent serving the state of Florida. The Choice Home Warranty plan covers both systems and appliances and will allow customers a straightforward contract. The fine print with Choice Home Warranty is relatively minimal. Homeowners like the ease of use when it comes to signing up for and filing claims with the Choice Home Warranty plan. 


  • Comprehensive plan options
  • Simple contract plan 
  • Reasonable service fee
  • Good add on coverages 
  • A good sign-on incentive and cancellation policies 


  • No option to build out a plan the way other home warranty companies do 

Plans and Pricing 

There are only two Choice Home Warranties to choose from. However, these two policies are all you will need. Florida residents on a budget can go with the Basic Plan and have limited coverage but a mix of both systems and appliances. The more comprehensive option is the Total Plan. 

  • Basic Plan: $42 per month 
  • Total Plan: $50 per month 
  • Service Fee: $85 per month 


One of the things that helps the Choice Home Warranty plan stand out is the fact that the coverage caps or limits are so high. Having anywhere from $500 to $3000 to spend on repairs or replacement will help you see more value from your Choice Home Warranty plan. 

  • Plumbing system 
  • Dishwasher 
  • Water Heater
  • HVAC system
  • Heating System 

What Customers Are Saying: 

I contacted Choice Home Warranty about my Heat Pump, not heating during low temps. They responded within 2 hours to let me know that they had contacted a repair tech to come and check on my heating unit. The repair tech came in a timely manner and looked over my heating system, and came up with a solution to the problem. I thank Choice Home Warranty for their quick response to my problem.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Florida residents. If you live in Ocala or your live-in Ft. Lauderdale, chances are your home will have some different features and benefits. The ability to build out your home warranty plan to match your home’s exact needs is a tremendous benefit of the American Home Shield home warranty. The AHS plans have been available for Florida homeowners for more than 50 years. 


  • It has been on the market for more than 50 years 
  • Can build out a custom plan 
  • An excellent choice for high-end Florida homes 
  • Impressive customer service 
  • Plenty of add on coverage choices 


  • Considered to be a more premium policy 
  • Some of the policy choices are priced a bit higher 

Plans & Pricing

There are three American Home Shield plans on the market. The great thing about these plans is that they all cover the systems of the home. Having systems coverage is especially important because Florida homes truly need the HVAC system to be comfortable during the majority of the year. 

  • Silver Plan: $45 per month
  • Gold Plan: $55 per month
  • Platinum Plan: $79 per month 
  • Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing 


The coverage from American Home Shield tends to pair up quite well with homeowners looking for premium coverage. With the higher coverage limits and the attention to detail that AHS offers, this is a plan with premium coverage. Some of the covered items that are considered to be most popular among Florida residents are . . .

  • Plumbing System  
  • Cooktop
  • Dishwasher 
  • HVAC
  • Swimming pool and spa 

What Customers Are Saying

We have had excellent service from America Home Shield. We recommend this service to anyone purchasing a home. This service has saved us thousands of dollars on repairs we have requested. I say to AHS thanks and service well done. By the way, the contract is very easy to understand on the coverage that you want. Read the items covered in your contract and adjust accordingly.” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Florida. Even though Florida is getting to be more popular, there are still some areas that offer very affordable homes. The last thing you want to do is pay for an unaffordable home warranty service. Therefore the Select Home Warranty is a great option to consider. Each of the Select Home Warranty plans is fairly priced, and they all come with free roof leak coverage. With the summer storms in Florida, you will be happy you have free roof leak coverage if the rain starts coming down. 


  • Good history in the home warranty business 
  • High workmanship quality 
  • Known for having good value 
  • Combo plan is one of the best price in the industry 


  • Some of the covered items have lower policy limits 
  • Not always the best plan for high-end appliances and systems 

Plans and Pricing

There are three Select Home Warranty plans for homeowners to choose from; each of these plans is fairly priced. However, the Platinum Care Plan is the most comprehensive policy choice and will help justify the costs of your Florida home warranty quite easily. 

  • Gold Care: $41 per month 
  • Bronze Care: $41 per month 
  • Platinum Care: $47 per month 
  • Service Fee: $65 


The Select Home Warranty keeps its policy affordable by slightly limiting coverage and the coverage caps involved in the home warranty plans. However, if you are on a budget and want to ensure that your home has protection, this is still a good choice. Florida homeowners' most popular covered items include . . .

  • HVAC
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Free Roof Leak Coverage 

What Customers Are Saying

Great service, professional, communicative and problem-solvers handled the service promptly.” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Florida. People tend to have less trust for a new company, yet two of the new companies on our list are the highest rated companies with the BBB. With just two years in the Florida market, LHG has managed to receive a BBB rating of an A. When you look at the customer reviews, response times, and workmanship quality that Liberty Home Guard has, you may want to give this company a try. 


  • BBB rating of an A
  • Quick response times to inquiries and claims 
  • Add on coverage list is very extensive 
  • Good workmanship quality and free reservice 


  • Optional plan choices tend to be priced a bit high 
  • To get a very comprehensive policy, the price increases considerably 

Plans and Pricing

There are three standard plans from Liberty Home Guard; however, you can add quite a bit of coverage to these plans.  The add-on options for the Liberty Home Guard warranty are quite extensive. Everything from cleaning gutters to getting your home free of pests can be added to your policy. Of course, these will increase the price, but many FL homeowners find it well worth it. 

  • Appliance Guard: $40 per month 
  • Systems Guard: $45 per month 
  • Total Home Guard $49.99 per month 
  • Service Fee: $60 


The coverage from Liberty Home Guard is quite impressive; everything from your exhaust fans to your refrigerator can be included as part of your plan. Here are some of the most popular coverages that Florida homeowners will have on their Liberty Home Warranty plan. . .

  • Garbage disposal
  • Washer
  • Plumbing Systems 
  • Water Heater 
  • HVAC

What Customers Are Saying: 

On my 4th month of coverage, I, unfortunately, had an issue with my hot water heater-one of the most expensive home appliances under the plan. I was initially worried that Liberty Home Guard wouldn't help me as advertised. Those fears were immediately quashed, I called in at 8 pm on a Saturday, and an intelligent rep picked up my call and even got my account manager, who is my regular point of contact, on the phone. By Monday, a technician was at my home fixing the issue. Liberty Home Guard covered the entire cost of the job. They are truly a phenomenal company!” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Florida. Emergency service is unfortunate, but it does come up from time to time. If you lose your hot water heater or have a break in your plumbing system, the ServicePlus Home Warranty can sometimes be there in less than 24 hours to get it repaired. The service technicians that ServicePlus works with are only of the highest quality. 


  • High-quality service technicians
  • Straightforward contracts
  • Contractors located throughout the state of FL
  • Fastest service turnaround times 


  • Some emergency services will come with an upcharge or higher fee 
  • Not as long of a history in the business 

Plans and Pricing

The ServicePlus Home Warranty offers both system and appliance coverage for homeowners. There are only two policies to choose from, and they are actually priced very close to the same. If you have a few dollars extra per month to spend, the Platinum Plan is really the best choice. 

  • Gold Plan: $42 per month 
  • Platinum Plan : $46 per month 
  • Service Fee: $75 


ServicePlus home warranty offers adequate but average coverage for your Florida home. One of the problems you may run into with this policy is that the coverage caps or limits are relatively low. At only $500 for most covered items, the number of repairs you can get in a year will be limited. Some of the most popular coverage items with the Service Plus home warranty are . . .

  • Dishwasher
  • Ductwork
  • Garbage Disposal 
  • Trash Compactor 
  • Refrigerator 

What Customers Are Saying:

The claim process was seamless and very efficient. The service provider called the night before the service to confirm the best time to come for the repairs. He called the next morning to notify us he was on his way, and the service was prompt and very professional. He repaired my heating issues in about 15 Minutes, we paid him our deductible, and he left his business card should we need anything else. Outstanding experience!Thanks, THP.” Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Florida residents looking for extensive coverage. If you are worried about things like ductwork, refrigerators, washers, and dryers being covered under par of your plan, the First Premier Home Warranty is a great option to consider. Although First Premier Home Warranty has only been on the market for just about a year, they have earned an A- rating with the BBB. They have tons of positive responses about the coverage choices and the overall affordability of the plan. 


  • BBB rating of A-
  • Modern technology and systems in place
  • Growing and expanding each day
  • Low overall costs if you pay upfront 


  • A short period on the market
  • Paying upfront for the year is not always possible for all FL residents

Plans & Pricing 

There are two plans from the First Premier, and they like to keep things relatively simple; the only thing that you should keep in mind here is that the lower pricing is only available to those that pay for their plan upfront for the year. 

  • Premier Plan: $43 per month 
  • Platinum Plan: $50 per month 
  • Service Fee: $75 


The coverage is about the best you will find on the market. Even the Premier plan, which is considered to be the value plan, has over 15 covered items for a Florida homeowner. If you are looking for a policy that gives the most coverage for the fairest price, the First Premier will be one of the best. Some of the most popular coverages from First Premier include . . .

  • Refrigerators
  • Stovetop 
  • Water heater
  • Plumbing system
  • Electrical System 

What Customers Are Saying 

“I called on memorial weekend to request service, and First Premier had someone out the very next day. They approved me for a new ac unit in my home. I will definitely be telling my family about you guys.” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a Florida home warranty. If you pay a service fee to have a repair done on your home, you will expect it to last. With Cinch Home Services, the repair is good for 180 days. This is one of the longest workmanship guarantees in the industry, and it certainly says something about how Cinch Home Services feels about their contractors. With more than 40 years of experience in the home warranty industry, expect Cinch Home Services to have good systems and customer service in place. 


  • 40 years in the home warranty business 
  • 180-day workmanship guarantee
  • Moderately priced plans 


  • Higher service fees or deductible pricing 
  • Some negative customer reviews
  • It seems as though contractors can be hit or miss 

Plans and Pricing

The three Cinch Home Warranty policies will cover appliances, systems, or the entire home. All of the plans have high service fees associated with them, but the monthly pricing is fair for all three. 

  • Appliances plan $44.99 per month 
  • Built-In Systems Plan: $51.99 per month 
  • Complete Home Plan: $61.99 per month 
  • Service Fee: $100-$150


The overall coverage from Cinch is some of the broadest in the market. Even if your Florida home has some of the more obscure features like a whole house fan or a sump pump, Cinch Home Services will offer reliable cover. Some of the most popular coverage options for Florida residents include. . . .

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

Wonderful experience, hassle-free claim service when needed. I have had no regrets with my coverage for thirteen years and counting.”Source

Compare Florida Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Home Warranty Coverage in Florida Cities

What You Should Consider Before Buying A Home Warranty in Florida

Now that you have a better understanding of what the best home warranty plans in Florida are, you may be ready to choose the perfect one for your Florida home. When narrowing down the plan choices, it is essential to consider a few of the following factors. 

Customer Reviews 

A home warranty sales professional can make quite a few promises; however, when the plan is in place, you will get the true test of how it can help your home. Reading customer reviews from other Florida homeowners about what the policies have to offer and how they can benefit you will give you a much better feel as to what home warranty plan is the best for you. 

Plan Coverage 

A basic plan from one company will look completely different from that of a basic plan from another company. Take time to compare the coverages offered under each plan. Before you even start shopping for home warranty policies, make a list of the items around your home that you want to ensure are covered. For most Florida residents, this is going to include the HVAC system. 

Workmanship Guarantee

Home warranty repair technicians are quite good at managing repairs. However, this does not mean that all home warranty plans are going to last. Workmanship guarantees that go 90 or 180 days out will help to ensure that you are not paying extra service fees for your home warranty plan. 

Home Warranty Tips for Florida Residents

Florida is a unique state, which is probably one of the main reasons it welcomes so many new residents each year. However, even though Florida is a wonderful place to live, there are some issues with living in Florida that should be considered for Florida residents. These issues can often be made a bit better by having a home warranty in place. 

Let’s start with the most obvious fact that Florida can get really hot. It doesn’t matter if you live in Tallahassee or Miami; the temperatures can reach well over 100 degrees. When you factor in the humidity, it becomes difficult to stay cool in Florida. 

Luckily we have things like the HVAC system or ceiling fans to help keep us cool. A home warranty policy for Florida residents should have good HVAC coverage and higher limits. CHW and AHS have some of the higher limits on the market; they may be able to help out should you need a replacement of your AC. 

Another critical thing to consider for Florida residents is the salt air. In areas like Naples, Bonita Springs, Ft. Myers, and even Port St. Lucie, there are some issues with how salt can deteriorate electronics and appliances. Florida homeowners will find that their televisions, microwaves, and even dishwashers tend to wear out a bit sooner than they would in other states. 

Most people assume that all of Florida is warm the entire year. However, this is just not the case. Although your chances of finding warm weather in Florida during the winter are quite high, there are areas such as Jacksonville, Destin, and even Orlando that can get some nights with freezing temperatures. This means that Florida homeowners will also want to consider heating systems to help them keep the home comfortable all year. 

Make sure that as you purchase your home warranty plan, you fully understand that it is not a homeowners insurance plan. Florida homeowners insurance will include coverage for things like lightning strikes, hurricanes, tornadoes, and any of the other crazy weather that you can see in Florida. Your home warranty policy is more about normal wear and tear. 

Home Warranty Regulations in Florida

The great thing about all home warranty options in Florida is that the Office of Insurance Regulations regulates them. Even though a home warranty is not the same as a homeowners insurance policy, many of the plan’s attributes work in the same way. The home warranty regulations in Florida are easy to find and are searchable on the internet. 

You can simply look up to see if a plan is properly covered under the Office of Insurance Regulations, but every option on our top 7 home warranties in Florida is going to be included.

A Final Word On Purchasing a Home Warranty In Florida

Now that you know what a home warranty looks like for a Florida homeowner, you should be well on your way to making a selection. Before you commit to a plan, request a free quote and sample service contract to review. 

After carefully selecting your home protection plan, you can stop worrying about costly system failures and focus on the benefits of homeownership.

After much consideration, our number one pick in the Florida market is Choice Home Warranty. They provide the best protection for all kinds of homeowners-- new buyers, retirees, vacation homeowners, and more.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Mississippi and Georgia and Alabama.

Are You A First-Time Buyer? Check Out This Article!

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

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Frequently Asked Questions in Florida

Below are just some of the frequently asked questions we receive about home warranties in Florida.


Is a home warranty worth it in Florida?

What happens when your air conditioning breaks down in the middle of a Miami heatwave? Or if the refrigerator stops working in one of your rental units in Kissimmee? Your homeowner’s insurance doesn’t cover normal wear and tear - those times when stuff just stops working. 

That’s where a home warranty can be a very worthwhile investment. For the same or even less than you are likely to spend fixing or replacing one appliance or system, you can get coverage for all the major appliances and systems in your Florida home. 

What are the best home warranty companies in Florida?

In our research of nearly 70 home warranty companies, a few rise to the top. Of those providers who have plans available in Florida, here are our top five picks:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

A home warranty is meant to fill in the gap where your homeowner’s insurance stops. Normal wear and tear on your most crucial home appliances and systems are not covered in a homeowner’s insurance policy. A home warranty is a service contract that protects specific appliances and/or systems from specific wear and tear related problems. 

Here are the common systems covered:

  • HVAC (heating and air conditioning) 
  • HVAC ductwork
  • Ceiling and exhaust fans
  • Plumbing system including stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Common appliances covered under most home warranties include:

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Many home warranty companies offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

Not all plans cover all the items listed above, and some offer additional coverage, so be sure to read and understand the specifics of the plans you are interested in. 

How much does a Florida home warranty cost?

The two components of home warranty pricing are the monthly premium and the service call fee sometimes referred to as the deductible. 

Monthly premiums depend on the level of coverage you get. For either a basic appliance or systems plan, you’ll likely pay from the mid-$30s to the mid-$40s per month, or the low $400s to low $500s per year. For the more popular Combo Plan, you’ll pay an average of $49, as you can see below. You can also add optional coverage that will take the premium cost a bit higher. 

Combo Plan
Monthly Cost
Annual Cost
Top 5 Average for Florida

The service call fee can range from around $75 to $125. 

How do I choose a good home warranty?

Here are the steps to take in choosing the right home warranty for your Florida home.

  1. Do the Research. Make sure your preferred home warranty company is available in Florida, make sure they cover what’s important to you, and make sure the price makes sense for you. 
  2. Get several quotes. You’ve got to shop around for the best deal. You don’t necessarily want to just shop for the lowest price, but get quotes from several companies to compare coverage and price. Read the service contract carefully. 
  3. Purchase the plan that works best for you. In most cases, you’ll have 30 days to get a full refund with no added penalty.