The Sunshine State and citrus capital of the United States is known for its warm weather, high humidity, and frequent downpours. So, it’s not surprising that many Florida homeowners want protection should their AC unit die in the middle of the summer or when their roof starts leaking after heavy rain. A home warranty helps with this, but many homeowners are reluctant to sink their hard-earned money into one, as there are many companies offering policies riddled with exclusions and ways to get out of reimbursing you. 

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

I’ve spent countless hours researching, secret shopping, and speaking with customer service representatives to narrow down the best home warranty companies in Florida so you can find one that will protect you when your roof leaks or your sump pump fails. These five companies are scored using Today’s Homeowners’ unique review criteria, which considers affordability, coverage and plans, company reputation, claims process, customer experience, and availability. 

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Florida Home Warranty Companies

    Liberty Home Guard: Best For Customization

    Highlights
    • During my secret shopping, I got the best deals when I spoke directly with customer service representatives, searched for online discounts, and opted for home warranty payments that were charged annually. I definitely recommend speaking with an agent to secure the best deal.
    • I strongly recommend looking into a “complete” plan with appliance and home system coverage when shopping for different plans. Many dissatisfied home warranty customers pick a plan with only one and are later shocked to find out their chosen plan doesn’t cover certain items or systems.
    • Elite Home Warranty is one of my top picks for its comprehensive coverage of up to $6,000 on appliances and up to $10,000 for home systems (like your AC), and it offers Florida homeowners limited roof leak repairs as an add-on, which can give you peace of mind during the rainy season.

    My Expert Recommendation

    While I think all five companies on this list have a lot to offer, my top picks are Liberty Home Guard and Elite Home Warranty. Both providers provide limited roof leak protection as an available add-on to any of their plans, which is a huge advantage for Florida homeowners facing a lot of rain, which is notoriously rough on roofing materials. If you’re looking for the ultimate customization options, I strongly recommend Liberty Home Guard. It offers the most extensive number of add-ons, unique coverage options like pest control, carpet cleaning (which may come in handy after a muddy rain), and reliable emergency services. 

    But if you have luxury or high-end appliances, my pick is Elite Home Warranty, which has the highest coverage of all the reviewed providers. Some of its plans cover up to $6,000 on appliances and $10,000 for home systems, like your overworked HVAC system that’s working hard to keep your home at a comfortable temperature in the hot Florida weather.

    Today’s Homeowner Tips
    While I think all five companies on this list have a lot to offer, my top picks are Liberty Home Guard and Elite Home Warranty.

    Florida Home Warranty Companies I Didn’t Include

    I excluded First Premier Home Warranty from this list due to its poor online reviews, slim plan offerings, and no workmanship guarantee (this protects you should a repair or replacement fail shortly after the technician addresses the initial problem). I also didn’t include Home Warranty of America because it has terrible online reviews (Yelp gave it a 1.1 star), a poor Better Business Bureau rating, and has only been in business for two years, which is hardly enough time to see what the company is really made of and if its practices are sustainable.


    Compare The Highest Rated Home Warranties In Florida

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    Liberty Home Guard is the only company I’ve seen with coverage for unique items like carpet cleaning, pest control, and a reverse osmosis water filter. With more than 40 add-on options, you can truly customize your plan to fit your needs. For example, if your Florida home has a casita guest unit or needs gutter cleaning, you can opt for those add-ons with Liberty, which are rare offerings in this industry.

    Liberty Home Guard has lower coverage limits of up to $2,000 for most appliances and systems, depending on the plan. Unfortunately, this is below average as most providers offer up to $3,000 in coverage. For example, some providers, like Elite Home Warranty, offer up to $6,000 in appliance coverage (three times more than Liberty). If you have high-end or luxury appliances in your Florida home, I’d recommend looking into Elite Home Warranty or American Home Shield for better coverage so you’re not left with insufficient coverage for your pricier HVAC system or dishwasher.

    Liberty Home Guard has above-and-beyond customer service and customizability for its plans that are challenging to find from other providers. While its coverage is lower than I’d like (a maximum of up to $2,000), you can opt for unique add-ons you won’t find elsewhere, like electronics protection, TV mounting, central vacuum coverage, and even pest control (a great choice against the prevalent silverfish problems in Florida). I found Liberty Home Guard’s customer service exceptional with its fast claim process, high reimbursement percentages, and user-friendly quote and sign-up process.

    Still, if you have a luxury home with high-end appliances, consider companies like Elite Home Warranty or American Home Shield for its higher coverage caps, ensuring you’re not stuck paying part of the bill for an expensive appliance replacement. If you don’t need a higher coverage cap, Liberty is an excellent choice for its plan customization, with 40+ add-ons and nationwide availability.

    Liberty has a perfect 10 out of 10 score for its phenomenal plans and coverage because of its massive number of 40+ add-ons, which give you far more choices than providers like American Home Shield, which have fewer than 10 choices. If you need specific coverage for a well pump, carpet cleaning, or pest control for those pesky silverfish or Florida ticks, this provider is an excellent choice to provide peace of mind. In terms of plans, you can select from an appliance-only plan, systems-only plan, and comprehensive plan featuring both. I’d recommend the Total Home Guard because it’s only $5 to $10 more than the system or appliance plans, and you’ll receive more comprehensive coverage for your home. 

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$1252 months free, $200 off coupon (online)
    Systems Guard$54.99$1252 months free, $200 off coupon (online)
    Total Home Guard$59.99$1252 months free, $200 off coupon (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    Liberty has an outstanding number of available add-ons. In Florida, these include limited roof leak, well pump, and septic system pumping. The full list is below:

    • Pool and spa: $19.99/month
    • Additional spa: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Salt water pool: $23.99/month
    • Generator: $19.99/month
    • Casita guest unit: $35.99/month
    • Sump pump: $8.99/month
    • Well pump: $12.99/month
    • Septic system pumping: $12.99/month
    • Ejector pump: $14.99/month
    • Grinder pump: $14.99/month
    • Limited roof leak: $11.99/month
    • Re-key: $9.99/month
    • Gutter cleaning: $14.99/month
    • Pest control: $14.99/month
    • Carpet cleaning: $19.99/month
    • Window washing/cleaning: $19.99/month
    • Power washing (exterior flooring): $19.99/month
    • Central vacuum: $8.99/month
    • Stand alone freezer: $5.99/month
    • Water softener: $13.99/month
    • Swamp cooler: $14.99/month
    • Second refrigerator: $7.99/month
    • Trash compactor: $7.49/month
    • Ice maker (in-fridge): $3.99/month
    • Freestanding ice maker: $14.99/month
    • Wine cooler/fridge: $11,99/month
    • Water dispenser water line: $4.99/month
    • Instant hot water dispenser: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Lighting fixtures: $7.99/month
    • Plumbing fixtures: $7.99/month
    • Electronics protection: $19.99/month
    • TV mounting (up to 65-inch TVs): $14.99/month
    • TV mounting (up to 85-inch TVs): $19.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series stand-alone freezer: $14.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series washing machine: $4.99/month
    • Pro-series clothes dryer: $4.99/month
    Exclusions

    Liberty Home Guard has a standard list of exclusions, which I recommend reviewing carefully, as exclusions lead to claim denial. Some of its exclusions can be covered with offered add-ons, such as lighting coverage through its lighting fixture add-on. 

    • Pre-existing conditions
    • Flues, vents, chimneys, and exhaust lines
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Remote receiving and transmitting devices
    • Radon and other leak detection monitoring systems
    • Fire sprinkler systems
    • Lighting 
    • Solar systems and applications
    • Cosmetic defects
    • Disposal of appliances, systems, or components
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Glass parts
    • Noise
    • Malfunction due to storms or other acts of God

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    The average cost of a home warranty is about $57 per month, but Liberty Home Guard offers more affordable plans, with its appliance plan starting at $49.99 per month. However, the company falls short in affordability thanks to costly add-ons. Still, the company offers a significant number of options for add-ons, such as TV mounting, electronics protection, in-fridge ice maker, and reverse osmosis water filter system coverage, which other providers seldom offer. For the best deal, check Liberty’s website and linger on the website for a while while visiting another tab. When I did this, I was offered two months free and $200 off my home warranty purchase, so definitely take advantage of this.

    My experience with Liberty Home Guard was efficient, thanks to the company’s user-friendly website and a customizable mix-and-match quote process where you can explore different coverage levels and transparent pricing surrounding its add-ons. This is a great benefit when weighing the pros and cons of signing up for an add-on, like well pumps, which are especially popular in Florida. Where this company loses a few points is its longer-than-average quote wait time of five days, which is longer than many providers like American Home Shield, which responds in under four.

    Liberty Home Guard has a consistent customer reputation with consistent customer praise for its strong claim acceptance rate. During my research, I discovered positive, high ratings with many clients pointing out the simple claims process, fast turnaround after submitting claims, competent technicians, and above-and-beyond customer experience when speaking with agents. This fast turnaround is particularly critical for Florida residents as the last thing you want to be left without is an AC unit on a hot and humid day. Overall, negative reviews were limited, with a few customers pointing out that they were charged additional fees beyond the regular service fee and experienced a long claim wait period. 

    Rating SiteRatingNumber of Reviews
    BBBACustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,417
    Yelp1.554

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Liberty Home Guard has one of the best claims processes in the industry, with an average claim response time of 12 hours and excellent emergency service coverage for urgent cases like your AC unit breaking down on a humid, blazing-hot day in the Florida summer. Customer reviews also backed this up with praise about Liberty’s quick payouts and simple claim process, which you can access online or by calling a customer service agent. 

    A drawback I want to point out in Liberty’s sample contract is that the provider will cover up to “the covered item’s book value.” This means that Liberty won’t reimburse you the total amount of your appliance or systems before depreciation. While this isn’t necessarily a rare practice, it’s something you’ll want to keep in mind during the claims process. 

    Liberty is one of the few companies with coverage in all 50 states, giving all U.S. homeowners a chance to experience its comprehensive coverage options. The company’s ability to pay out claims to all 50 states is reassuring and provides extra peace of mind about the company’s steadfast business model.

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    American Home Shield shines for its impressive coverage levels of up to $5,000 for home systems like your HVAC system. This is above and beyond what most providers like Select Home Warranty offer. I love that you can receive coverage for code violations, modifications, and permits, which home warranties don’t always offer, meaning you end up without coverage and with expensive bills. AHS also has outstanding coverage for older appliances and covers you if your appliances or systems have undetectable pre-existing conditions, which is almost unheard of in this industry, as many providers like Select Home Warranty don’t cover this.

    American Home Shield has an okay B rating from the Better Business Bureau but has many complaints, with nearly 6,500 closed in the last year. Unfortunately, it has poor Yelp and Trustpilot ratings. Otherwise, this provider is more expensive than average, with more costly service fees of $100 and $125, meaning you’ll pay more for each visit. For reference, most providers offer at least one service fee choice under $100.

    Hands down, I would recommend American Home Shield’s ShieldPlatinum plan, which comes with roof leak coverage — an offering most home warranty providers don’t have and one that is especially important for Florida residents who experience more than their fair share of rain. However, I’d skip its ShieldGold plan, which excludes basic appliances like a refrigerator or stove, which I wouldn’t want to be left without. 

    While more expensive than average, AHS brings a lot of value with its comprehensive coverage, including up to $4,000 for home appliances and up to $5,000 for home systems. Most providers only offer $2,000 to $3,000 maximum, so this can make a huge difference, especially if you have high-end appliances.

    American Home Shield leads the industry with three comprehensive plans with very high coverage levels. Many home warranty providers don’t cover the total cost to replace systems and appliances, but AHS’s high coverage levels of up to $5,000 on HVAC systems is a fantastic benefit — especially for Florida homeowners cranking up the air conditioning during heat waves. This is substantial compared to other providers, like Liberty Home Guard, which offers up to $2,000. You even receive free roof leak repairs with its ShieldPlatinum plan and a free HVAC tune-up, which are uncommon offerings in the industry and a great way to protect yourself from Florida downpours and heat waves. 

    The following prices are pre-sale, so you can get an idea of everyday pricing. However, if you can sign up during a sale period, you may be able to get some fantastic discounts, such as the one I was offered during a 40% off sale.

    PlanMonthly CostService FeeAvailable Discounts,
    ShieldSilver$39.99$125Same-day sign-up discount of 5-10%, 40% off sale (online)
    ShieldGold$59.99$125Same-day sign-up discount of 5-10%, 40% off sale (online)
    ShieldPlatinum$89.99$125Same-day sign-up discount of 5-10%, 40% off sale (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    AHS has a phenomenal add-on for roof leak repair — something many providers don’t offer at all — and it’s incredibly affordable at $10 a month. As Florida is one of the wettest states in the country, this is an essential and significant benefit that comes included with the AHS ShieldPlatinum plan. 

    • Roof leak repair: $10/month
    • Electronics protection plan: $14/month 
    • Pool & built-in-spa equipment: $18/month
    • Guest unit: $15.99/month
    • Septic pump: $5/month
    • Well pump: $8/month
    Exclusions

    American Home Shield really shines with its comprehensive coverage. Its exclusions are pretty typical and include:

    • Construction or carpentry costs
    • Restoration of walls
    • Flues, chimneys, venting, and exhaust lines
    • Repairs or replacements due to cosmetic defects
    • Repairs due to mold
    • Appliances not covered under ShieldSilver plan
    • Natural disasters

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield has average to slightly more expensive monthly premiums than other providers, with the average quote I received falling around $59.99 (although I was offered 40% off this during a sale period). Its service fees are costly, with choices of $100 or $125, but you receive much higher coverage with AHS’s plans. You’re really getting a big bang for your buck with its HVAC coverage, which is up to $5,000 depending on the plan and far greater than almost all other providers on the market. While its service fees and premiums are a little more expensive, the coverage is far better than most, so it’s a strong option for Florida homeowners wanting extra peace of mind.

    Customers repeatedly praise American Home Shield’s fast turnaround times when they’re waiting for a repair or replacement, which is incredibly important for Floridians when their air conditioning system fails mid-summer. I personally had an efficient experience with American Home Shield, and I like that it offers a strong service guarantee of 30 days, where a technician will come back to repair your appliance or system again if you report any issues within a month of the initial service. Under the guarantee, you don’t have to worry about paying a service fee again, which is a big bonus that not all providers offer. I also appreciate that you don’t have to provide a phone number to receive a quote online, meaning you won’t receive a wave of phone calls after asking for a quote — which is an unpleasant experience I’ve had with other providers. 

    For more information about American Home Shield, watch this quick video overview:

    While it has an okay B rating from the Better Business Bureau, this BBB-accredited home warranty company has mixed reviews from other third-party review websites. Its reviews on Trustpilot and Yelp are both below 2.5 stars, which is worrying, but I wouldn’t focus on these reviews online. Many customers don’t completely understand what is and isn’t covered under their policy, leaving them unhappy when something they believe should be covered isn’t. Positive reviews repeatedly praised American Home Shield for amazing coverage, competent customer service agents and technicians, and a quick turnaround after submitting a claim, which is important when dealing with a broken water heater or AC unit.  Negative reviews criticized American Home Shield for slow turnaround times, which conflicts with the positive reviews — another reason to take everything with a grain of salt. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.25,229
    Google4.532,681
    Yelp1.11,266

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Like many nationwide providers, American Home Shield offers an online portal and a 24/7 customer service phone line where you can submit a claim. After submitting your claim, you can easily track your home repair history and follow up online, making this a user-friendly process. The only downside is its reported 48-hour response time, which is longer than some providers like Liberty Home Guard with its 12-hour response time average.

    American Home Shield is available in 49 states, including the beautiful Sunshine State,  but doesn’t offer coverage in Alaska. This comprehensive coverage indicates that this provider has a sustainable business model, especially when coupled with the fact that it’s been in business for over 50 years.American Home Shield is available in 49 states — Alaska being the only state it does not cover. So, homeowners nationwide can rely on AHS’s wide network of experienced contractors to swiftly repair issues in their homes. 

    Best Claims Acceptance

    Choice Home Warranty

    4.3

    Our Rating

    Limited Time:
    $50 Off + 1 month free!

    Choice Home Warranty has a high claim acceptance rate, fast turnaround time, and great emergency services, which customers frequently praise in reviews, and something I personally want to see in a provider. I also like that its plans are more budget-friendly than most, with its most comprehensive plan costing about $55 per month when I received quotes for a two-bedroom home in Miami. The average home warranty premium is around $57 per month, so the fact that Choice’s most extensive plan, which covers appliances and home systems, is less than that is a steal. Its basic plan is even more budget-friendly, costing around $46 per month.

    Choice Home Warranty has an unresolved lawsuit about consumer fraud with the Arizona Attorney General, which gives me pause. While I couldn’t find other lawsuits against the company, it’s a less-than-ideal search result to come across when considering a home warranty company. 
    While I like that Choice Home Warranty offers roof leak protection, it only pays up to $500 for access, diagnosis, repair, or roof replacement. Considering a lot of roof leak repairs cost between $1,500 and $3,000,  this isn’t sufficient for most roof leak incidents, especially when living in a rainy area like Florida.

    If you’re on a budget, Choice Home Warranty is a strong choice. With its basic plan, you can save nearly $132 a year on premiums alone. Its cost-effective add-ons are another huge plus, with most of them costing less than $14.99 per month (far more affordable than Elite Home Warranty, with its add-ons usually costing $15 to $20 a month). Florida homeowners may particularly benefit from its spa, pool, sprinkler system, and sump pump add-ons, which you can add and still stay within budget due to its more affordable monthly premiums. 

    In addition, this provider has solid customer service ratings, with many praising its fast turnaround and high claim acceptance. However, it is dealing with a consumer fraud lawsuit from the Arizona Attorney General. While ongoing, I would keep it in mind as you consider this provider. 

    Choice Home Warranty’s roof leak protection is a great benefit, but its coverage limit isn’t as high as I’d like at up to $500. If you’re interested in really great roof leak protection, I’d suggest looking into American Home Shield, which offers up to $1,500 for this.  Finally, I like that Choice offers multiple discounts, including a discount for annual payments.

    Choice Home Warranty offers two plans, and I strongly recommend against one of its plans, especially for Florida homeowners: its Basic Plan. The Basic Plan excludes your dryer, washer, refrigerator, and air conditioning system, which are all key items to look for coverage on when you live in a hot, humid climate like Florida. The comprehensive Total Plan offers coverage for all of these and more unusual items like garbage disposals, plumbing stoppages, cooktop exhaust fans, and garage door openers. I really like that this plan includes built-in microwaves, ductwork, water heaters, and even a whirlpool bathtub, so if you go with Choice, I’d skip its Basic Plan and opt for its Total Plan. Florida homeowners will also be happy to hear that you can add coverage for sump pumps, pools and spas, and a sprinkler system. 

    PlanMonthly CostService FeeAvailable Discounts
    Basic Plan$46.83$85Annual payment discounts and  1 month free (online or phone)
    Total Plan$54.75$85Annual payment discounts and  1 month free (online or phone)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    Choice Home Warranty has the following add-ons (which are very affordable) : 

    • Central vacuum: $3.33/month
    • Limited roof leak: $5.83/month
    • Pool: $15/month
    • Second Refrigerator: $3.33/month
    • Septic System: $10/month
    • Septic Tank Pumping: $5.42/month
    • Spa: $15/month
    • Additional Spa: $15/month
    • Sprinkler system: $8.33/month
    • Standalone freezer: $3.33/month
    • Sump pump: $3.33/month
    • Well pump: $8.33/month
    Exclusions

    This provider’s exclusions are standard, with nothing standing out as a red flag to me. 

    Choice Home Warranty doesn’t cover the following: 

    • Audio or visual equipment
    • Internet connection components
    • Upgrades or modifications to original systems or appliances
    • Pool accessories
    • Fireplaces
    • Doorbell
    • Central vacuum ductwork, accessories, hoses, and blockages
    • Portable or above-ground spas and pools
    • Act of God incidents

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Choice Home Warranty has largely affordable plans, but it lacks coverage with its Basic Plan, which doesn’t even cover your air conditioning unit, clothes washer, dryer, or refrigerator. However, I recommend its more comprehensive yet affordable Total Plan, which covers all of these appliances and more unique items like garage door openers and cooktop exhaust fans. Where Choice stands out most regarding affordability is its add-ons, which are almost all less than $14.99 monthly. If you look at other providers, like Elite Home Warranty, you’ll see that this is a great deal compared to the higher $15, $20, or even $25 or more per add-on prices, which can quickly destroy the affordability of a monthly home warranty premium.

    I had a largely positive customer experience with Choice Home Warranty, with the quote process having a fast turnaround. Another benefit is its extensive nationwide network of over 15,000 vetted contractors that are pre-screened and local, so you don’t have to worry about rude or inexperienced technicians being sent to repair your appliances. The worst part of my customer experience was dealing with Choice’s less-than-user-friendly online quote calculator. It doesn’t clearly break down each add-on cost or show you a comparison chart between plans so you can weigh your options more effectively. While not a deal breaker, this made the online shopping experience tedious for me.

    Overall, Choice Home Warranty has solid reviews with a B rating from the Better Business Bureau and almost four-star ratings from Trustpilot — higher than most providers, which have many one and two-star ratings (like American Home Shield). Many positive reviews highlighted affordable service fees, a quick and easy claims process, and high-quality work from technicians. Negative reviews pointed out how difficult it is to cancel your policy, which is worrisome. The biggest concern for its reputation is an ongoing, unresolved consumer fraud lawsuit with the Arizona Attorney General’s Office. Choice has paid out some claims to customers, but it remains ongoing. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.738,281
    Yelp1.142

    Editor’s Note: The ratings provided were accurate at the time of writing.

    One of Choice’s biggest benefits is its fantastic emergency service with 24/7/365 availability. It’s extra helpful to have this, as many providers don’t have emergency services or charge extra for it. Nobody wants to be stuck with a broken-down AC unit in the middle of a hot, humid Florida summer. Having to pay an extra fee to receive emergency services is immensely frustrating, so I appreciate that Choice offers this service without extra fees. In terms of its regular claim process, you can expect to hear back between 24 and 48 hours, which is a decent turnaround time for this industry.

    Choice Home Warranty provides warranties to all states except California and Washington, so Florida homeowners are covered. You can also rest easy knowing that this provider has handled over three million customer claims, demonstrating its reliability.

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Select Home Warranty shines for its affordability and overall value with a strong coverage cap of up to $3,000 for HVAC and air conditioning systems at the budget-friendly cost of around $60 per month for a two-bedroom home (closer to $40 with the offered discount). During my secret shopping online, Select Home Warranty offered me a multi-year coverage discount, cheaper service fees of $65 and $75, and a 40% sale discount, which would save me hundreds of dollars a year on my home warranty plan.

    Select Home Warranty excludes coverage for unknown pre-existing conditions, which means the provider won’t pay up if your dishwasher breaks down due to a preexisting condition (even if it was unknown to you). While this isn’t an uncommon exclusion, it’s certainly frustrating and can shock homeowners, especially when providers like American Home Shield cover unknown pre-existing conditions. Another con is Select’s lackluster Gold and Bronze plans, which don’t cover a lot on their own, with some items only receiving up to $500 in coverage — not enough to cover major repairs to your fridge or a replacement, certainly.

    While Select Home Warranty offers monthly and annual payment options that will fit into most budgets, its coverage is lacking. You can save on its low-cost service fees, but you may end up still paying more toward a repair or replacement if you hit its lower coverage caps (which are as low as $500 on some appliances and systems). However, for Florida homeowners, its AC and HVAC system coverage is up to $3,000, which isn’t as amazing as providers like Elite Home Warranty, which has up to $10,000 payouts for home systems. But it’s enough for basic repairs or to help you pay for a replacement if your AC gives out. Another con is that customer reviews pointed out that they were sometimes charged multiple service fees for a single visit when they had several claims or necessary repairs. I haven’t seen this practice from other home warranty providers, and it can definitely negate the benefit of Select’s otherwise very affordable service fees of $65 or $75. 

    On the positive side, Select Home Warranty includes up to $400 in roof leak coverage free of charge with all of its plans, which is exceptional as many providers don’t even offer roof leak coverage. Overall, I’d recommend this provider if you are on a tight budget and looking for coverage to help with repairs or go toward a replacement, as Select’s plans don’t offer high enough coverage to totally replace most appliances if they break down.

    Select Home Warranty offers pretty standard plans, with an appliance plan, systems plan, and comprehensive plan combining both (the Platinum Care plan). The Bronze Care plan covers appliances, while the Gold Care plan covers systems, and their costs are the same for a two-bedroom home in Springfield.  I wouldn’t choose the Bronze or Gold Care plans as they aren’t very comprehensive and only cost a few dollars less per month than the Platinum Care plan.  I would pay the extra few dollars and get my appliances and home systems covered and take advantage of the included roof leak coverage to protect my home against Florida rain. 

    Several customer reviews shared that they were able to negotiate an even lower monthly premium and service fee (which is $40 to $50 cheaper than most providers as is) when they called the company and spoke with an agent — so definitely try your hand at negotiating a better deal for yourself. 

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$60.42$75$150 Off (Website), 2 Extra Months Free (Website)
    Gold Care$60.42$75$150 Off (Website), 2 Extra Months Free (Website)
    Platinum Care$63.75$75$150 Off (Website), 2 Extra Months Free (Website)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    A fantastic benefit of Select Home Warranty’s plan is its free roof leak coverage, which I strongly recommend taking advantage of, as this can protect your home against expensive repairs after Florida rainstorms. 

    • Central vacuum: $3.33/mo
    • Lawn sprinkler system: $5.83/mo
    • Pool: $8.33/mo
    • Roof leak: $0/mo
    • Septic system: $5.83/mo
    • Spa: $5.83/mo
    • Stand alone freezer: $3.33/mo
    • Sump pump: $3.33/mo
    • Well pump: $3.33/mo
    Exclusions

    Select’s plans are comprehensive, especially its Platinum Care Plan, which covers both systems and home appliances. I found its exclusions to be pretty typical: 

    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by the leak)
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (i.e., mold, asbestos, gas leaks, etc.) 
    • Common areas in condominiums or family homes
    • Solar heating systems
    • Damage caused by natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty offers very affordable coverage, with its most expensive plan costing around $60 for a two-bedroom home (without discount). During my Florida home warranty secret shopping, I was offered a 40% discount, which brought this rate down significantly (around $36 per month). You can even save money by paying annual rather than monthly premiums. Finally, Select is exceptionally affordable with its low-cost service fee options of $65 and $75. Many home warranty companies don’t offer service fees of less than $75, and some, like American Home Shield, only have service fees of $100 or more, which adds up fast if you need several repairs in one year. 

    Today’s Homeowner Tips
    Home warranty companies charge a service fee each time you have a technician come to your home to examine, repair, or replace your appliance or home system. Most companies have service fees ranging from $75 to $125, so companies like Select Home Warranty, which feature lower service fees of $65 and $75, can save you considerable money throughout the year. However, you can lower your monthly premium by choosing a higher service fee. I recommend considering how new your appliances are and how frequently you believe you’ll need service before choosing between the least expensive and most expensive service fee options offered.

    Select has a detailed online quote calculator that breaks down its three plans and their benefits. I liked the breakdown of each plan’s cost and available savings so you can get a clear picture of what its plans will cost you over time. Overall, my experience with Select’s customer service was great, especially its user-friendly website. I didn’t receive excessive phone calls from the company, which is something I’ve experienced with other home warranty providers.

    Select Home Warranty has solid customer reviews online with a decent B rating from the Better Business Bureau. Positive reviews stressed how polite and well-educated sales representatives are and a speedy turnaround, with one person indicating that they were told Select had a 48-hour turnaround, but they ended up hearing back within 10 minutes. In contrast, most negative reviews pointed out problems with low reimbursement rates, claim fulfillment, and technicians who aren’t competent or were challenging to work with, which can impact your overall experience. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.84,678
    Yelp1.02

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Like most home warranty providers, Select allows you to submit claims online through its portal or over the phone with a customer service representative. After submission, Select will schedule an appointment for a technician to come by and assess your appliance or home system. Customers report a standard 48-hour wait time for non-emergency claims, but many noted that they heard back within the same day, indicating an above-average response time.

    Select Home Warranty has excellent availability with coverage offered in all 50 states and the District of Columbia. This provider has received widely positive reviews, giving me a lot of trust in its ability to take care of customers throughout the nation.

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    This BBB-accredited provider has an A+ rating from the Better Business Bureau and over 4.5-star ratings from other reputable review websites (a number I’ve yet to see other companies boast). As an example, American Home Shield has many one and two-star average ratings from the same review websites, giving me a lot more faith in Elite’s customer service process and claim fulfillment.  Plus, I like its high coverage caps of up to $6,000 for appliances and up to $10,000 for home systems — both of these figures are significantly higher than average coverage caps of $2,000 to $3,000 and will actually cover the cost of replacing many common appliances.

    Elite Home Warranty doesn’t offer emergency services without an additional fee, which many providers don’t charge extra for. We all know that appliances and things tend to break down at the most inopportune times, so this is something to consider when making your final decision. Another con is Elite excludes commercial-grade appliances, which, depending on your home, might be a dealbreaker for you.

    With up to three to five times more coverage amounts on appliances and systems than standard home warranties, Elite Home Warranty brings significant value to anyone concerned about hitting a coverage cap (the most a provider will pay out) or homes with luxury appliances and systems that will cost more to replace. Its three plans are comprehensive, with up to $10,000 in coverage for home systems depending on the plan, which is practically unheard of in this industry. For example, many companies only offer a $3,000 coverage cap for your HVAC system, which isn’t enough for a full replacement in most cases. Select Home Warranty even caps out at $500 for some items like plumbing and electrical systems, which, again, isn’t enough to cover most significant repairs or a replacement. 

    The downside to Elite is its lack of emergency services unless you pay an additional fee. However, its high customer service ratings, BBB-accreditation, and comprehensive plans (especially its Elite Complete plan, which covers appliances and home systems) feel like enough to make up for this downside.

    Elite has a perfect score in this category for good reason. Its three plan options are the definition of comprehensive, with appliances covered up to $6,000 and home systems covered up to $10,000. I want to stress how unusually high these coverage caps are, as most providers only offer $2,000 to $3,000 coverage caps (like Liberty Home Shield), meaning that Elite gives you anywhere from three to five times more coverage than the industry standard. 

    During my secret shopping, I received a great $150 sign-up discount and a 30-day free trial, which indicates that Elite is confident enough in its services and your satisfaction to offer a trial period without fear of customers canceling after signing up. 

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$44.99$100$150 sign up, 30-day free Trial (phone)
    Elite Systems$49.99$100$150 sign up, 30-day free trial (phone)
    Elite Complete$59.99$100$150 sign up, 30-day free trial (phone)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Miami. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    Next to Liberty Home Guard, Elite offers some of the most extensive and comprehensive add-ons in the industry. While not inexpensive, the coverage you’re receiving is extensive, so this may be a strong option for you if you’re looking for that extra peace of mind. Note that Elite prices its add-ons annually.

    • Attic exhaust fan: $69.99/year
    • Central vacuum: $49.00/year
    • Effluent pump: $99.99/year
    • Ejector pump: $99.99/year
    • Freestanding freezer: $59.99/year
    • Freestanding ice maker: $59.99/year
    • Freestanding spa equipment: $119.99/year
    • Generator: $99.99/year
    • Geothermal heating and cooling system: $299.99/year
    • Grinder pump: $99.99/year
    • Guest house: $299.99/year
    • HVAC annual maintenance: $299.99/year
    • Jetted/hot tub: $99.99/year
    • Lawn sprinkler system: $99.99/year
    • Lift pump: $99.99/year
    • Limited roof leak repair: $99.99/year
    • Pool & spa equipment: $199.99/year
    • Pool equipment: $149.99/year
    • Premium appliances: $249.99/year
    • Premium benefits: $199.99/year
    • Premium systems: $299.99/year
    • Premium systems Plus: $499.99/year
    • Septic system: $129.99/year
    • Service lines: $349.99/year
    • Sump pump: $99.99/year
    • Swamp cooler: $149.99/year
    • Water filtration System: $99.99/year
    • Water softener: $99.99/year
    • Well pump: $99.99/year
    • Wine cooler: $69.99/year
    Exclusions

    Like all providers, Elite has some exclusions. Its exclusions are pretty standard and don’t give me pause. 

    • Natural disaster-related damages
    • Acts of God
    • Commercial-grade appliances 
    • Units in a rental property
    • Cosmetic damage
    • A lack of maintenance

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Elite Home Warranty offers very comprehensive plans at pricing typical to the industry. While it’s not the least expensive option, Elite’s high coverage of up to $6,000 for appliances and $10,000 for home systems like your AC gives you a massive value for your money that I find worthwhile. Its add-ons are also reasonably priced (especially for the coverage you’ll receive), typically costing between $15 and $20 per month.

    Customer reviews praised Elite for not having pushy salespeople. When they said “no” to an offer, that was it.  As someone who doesn’t love pushing back against a salesperson, this is extremely important. Many even noted that they didn’t experience a massive wave of phone calls, texts, or emails after requesting an initial quote, which echoed my own experience and was a nice change of pace after dealing with providers that flooded my phone after I received a quote.

    Above all else, Elite shines for its amazing customer reputation and service. I’ve never seen a company with such high reviews (over 4.5 stars on all major review websites) and an A+ rating and accreditation from the Better Business Bureau. On top of that, Elite has only received three complaints on the Better Business Bureau, which is much better than other providers (like American Home Shield), which have thousands of complaints. The positive reviews were too many to count, but they primarily focused on excellent customer service, non-pushy sales tactics, and top-notch claim fulfillment that left clients much more satisfied compared to their experiences with previous home warranty providers.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.755
    Yelp4.84

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Elite’s claim process is rated lower than other providers on this list because it doesn’t provide emergency services without an extra fee. In other words, if your AC breaks down on a hot, humid Florida day, you won’t be able to get immediate service after-hours unless you pay an additional fee. While I’m glad emergency services are still available, this is a letdown. Otherwise, the company offers 24/7/365 availability for claims and several ways to file a claim, so it’s pretty standard in this area.

    Elite provides coverage in 47 states. It excludes Texas, California, Washington, and the District of Columbia. This is overall excellent availability and demonstrates this provider’s reliability in serving customers throughout the country.


    Calculate the Cost of Florida Home Warranty

    Use the following Home Warranty Calculator to receive an estimate of how much your Florida home warranty will cost yearly based on the service fee, monthly premium, and number of visits.

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Florida Home Warranty Regulations

    Like most states, Florida doesn’t require homeowners to have a home warranty. A home warranty is nice to have for its additional coverage, but not required by the Sunshine State. However, there are a few regulations that you’ll want to note. 

    A key Florida home warranty coverage requirement is that Florida home warranties may not exclude coverage because of rust or corrosion unless it’s the cause of the mechanical breakdown or failure of a unit, system, or covered appliance. Another requirement is home warranty contracts with HVAC system coverage need to be disclosed in boldfaced type when the contract doesn’t cover HVAC system functional component replacement for reasons of efficiency or compatibility requirements of the manufacturer. The option to purchase coverage for the functional components must be provided.


    Florida Home Warranty News

    While not a lawsuit, American Home Shield received some heat from ABC Action News when they reported a denied claim over AC repairs during the hottest month on Florida record in 2023. According to the article, the AC unit should have been covered up to $5,000 for repairs. 

    While American Home Shield sent a technician two days later, the AC system broke down a second time a mere four hours after the tech left. Then, American Home Shield denied the claim for this breakdown, stating that an outside force caused the damage, which isn’t covered. Unfortunately, this left the couple without air conditioning during blazing hot weather. Since then, American Home Shield has covered the repairs and refunded the couple $125 for the service call fee, but this is disconcerting news surrounding the company. However, I didn’t find other complaints regarding American Home Shield in Florida, so I’m hopeful that this is a one-off incident. 

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    Frequently Asked Questions

    Do You Need a Home Warranty in Florida?

    You don’t legally need a home warranty in Florida. However, having a home warranty can provide you with extra financial protection and peace of mind when your appliances or home systems break down, especially during the extremely hot Florida weather, which is notoriously hard on many appliances like your AC unit.


    How Much Does a Home Warranty Cost in Florida?

    The average cost of a home warranty in Florida is $1,100 per year, with premiums usually costing $200 to $1,200 per year and the average service fee costing between $75 and $125. For more information about what impacts home warranty cost, read our article for an in-depth look at what factors impact home warranty cost.


    How Can You Save Money When Shopping for Home Warranties In Florida?

    Homeowners can save money when shopping for home warranties in Florida by collecting quotes from at least three home warranty providers. From there, call and speak with an agent to negotiate a lower rate, ask about discounts, and adjust your service fee to reduce the cost of your monthly premium.


    Is a Home Warranty Worth It for Florida Homeowners?

    A home warranty is worth it for Florida homeowners if you can’t pay for large out-of-pocket appliance or home system repairs or replacements, such as replacing an appliance, which can cost anywhere from $350 to $8,000 on average. For most homeowners (unless you have all brand new appliances with current manufacturer’s warranties), a home warranty is worth it for this peace of mind.



    Other Resources for Florida Homeowners

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    Editorial Contributors
    avatar for Amy DeYoung

    Amy DeYoung

    Contributor

    Amy DeYoung has a passion for educating and motivating homeowners to improve their lives through home improvement projects and preventative measures. She is a content writer and editor specializing in pest control, moving, window, and lawn/gardening content for Today’s Homeowner. Amy utilizes her own experience within the pest control and real estate industry to educate readers. She studied business, communications, and writing at Arizona State University.

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    photo of Lori Zaino

    Lori Zaino

    Lori Zaino is a freelance writer and editor based in Madrid, Spain. With nearly two decades of editorial experience, she’s written and edited for publications like Forbes, CNN, Insider, NBC, Newsweek, The Points Guy, The Infatuation, and many others. Having just completed her first home renovation, she’s more interested in home improvements than ever, dedicated to bringing you fresh and accurate content to help you update your living spaces.

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