Jump to: Best Home Home Warranty Companies | Compare ProvidersCosts | Reviews | Coverage | How to Find the Best Home Warranty in Florida | Home Warranty Tips | Final Thoughts | Methodology | Resources for Homeowners

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

$200 Off + FREE Bonus Month
Claim Offer
Best Overall

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

Limited Time: New Customers Get $50 Off
Claim Offer

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 98.5
  • $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 Liberty Home Guard
Editorial Rating 98
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.6
  • 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
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee
  # 6 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  # 7 Cinch Home Services
Editorial Rating 96.5
  • 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

Disclosure: ReviewHomeWarranties.com 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:

  1. Choice Home Warranty: Best Overall
  2. Liberty Home Guard: Best Reviewed
  3. American Home Shield: Most Customizable
  4. Select Home Warranty: Most Affordable
  5. America’s 1st Home Club: Best For Customization
  6. First American Home Warranty: Best Appliance Coverage
  7. Cinch Home Services: Best Workmanship

Compare Florida Home Warranty Providers

ProviderBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantyBest Overall$45 - $53$85D+
Liberty Home GuardBest Customer Service$45 - $54$75A-
American Home ShieldMost Customizable$25 - $75$75 - $125B
Select Home WarrantyMost Affordable$44 - $48$60B-
Americas First Choice Home ClubBest For Customization$46 - $68$75 - $125B
First American Home WarrantyBest Appliance Coverage$52-$77$75 - $125B
Cinch Home ServicesBest Add On Coverage$45 - $62$100 - $150B

Florida Home Warranty Costs 

One of the reasons people move to Florida is the cost of living. With no state income tax and affordable housing, Florida can be a great place to live. However, you will still need to be aware of your expenses in Florida and ensure that you are not spending too much money on something like home warranty costs. Understanding what home warranty costs should be can be a bit difficult. There are monthly fees, service fees, and even coverage caps that play into the situation. At Review Home Warranties, we realized the importance of Florida homeowners having an average for home warranty costs. We did in-depth research to develop average home warranty costs across various home types. Take a look to see how Florida stacks up.


Average Annual Premium



Single Family Home








Home Over 5,000 sq. ft.


Home Under 5,000 sq. ft.


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 home warranty Florida homeowners can find. Choosing between an appliance or systems plan is one of the hardest parts of picking a home warranty. Choice makes that easy as both of their home warranty plans are comprehensive. Choice Home Warranty has more than 13 years of experience and knows how to work with people, not just appliances. 



- Both plan options are comprehensive 

- Customization of plans is limited 

- Affordable service fee of just $85

- Come complaints about claim denials

- 24/7 customer service and claim submitting


Plans, Pricing, and Coverage

Choice Home Warranty offers two plans, the Basic Plan and the Total Plan. The Total Plan, priced at $54 per month, is the one you will want as it has 18 covered items, including the air conditioning units. Florida homeowners can save about $10 a month with the Basic Plan, but the AC coverage, refrigerator, washer, and dryer will drop off the plan.

Here's a closer look at Choice Home Warranty's plans:

  • Basic Plan: This plan covers 14 home systems and appliances: ceiling fan, heating system, dishwasher, toilet, ductwork, ductwork, electrical, garage door opener, oven, cooktop exhaust, microwave, garbage disposal, plumbing system, and water heater.
  • Total Plan: This plan covers all systems and appliances covered in the Basic Plan, plus four more for a total of 18 items. The four extra items included in this plan are clothes washer, clothes dryer, refrigerator, and air conditioner.
  • Optional add-ons: Choice offers nine add-on options that range from $40-$180 including central vacuum, septic tank, pool and spa, roof leaking, and stand-alone freezer. 


Cost Per Month

Service Fee

Basic Plan



Total Plan



What Customers Are Saying: 

“We have been having problems with our heating. The problem, little to no heat! We put in a work order with Choice Home Warranty, and within a few days Rabbit Heating and Air came to help. After inspecting our unit, some issues were identified. We are now waiting to see which way we can head to fix these issues, but so far we are pleased with the service we have received." - Joe L.

“Great experience, great and honest company. I've never had any problems or issues with them. Extremely fast to resolve your issues. Top-notch company. My family and friends will NEVER use another company. My A/C was repaired within 48hrs by a top company. Later my garbage disposal was replaced in 24 hrs with a top-of-the-line product. I signed with them on 12/29/21, and I have had 2 different claims in 4 **. They took care of ** immediately, no questions asked.” -Alfred F.

Read our Choice Home Warranty Review for more information

2. Best Reviewed: Liberty Home Guard 

When your air conditioner breaks in the middle of August, customer service will be very important to you. Liberty Home Guard offers the best customer service for Florida home warranty customers. Liberty Home Guard has a lot to offer, with 24/7 availability, an A- rating from the BBB, and more than 25 add-on options you can include with any plan.



- Plans are easy to customize because of the number of add-on options

- Pricing is a bit higher than other providers 

- 60 Day workmanship guarantee on all repairs 

- Less than five years of industry experience 

- Highly rated customer service, a human will answer your chat, or call 


Plans, Pricing, and Coverage

Liberty Home Guard offers three plans, the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard is around $45 a month and has coverage for 11 appliances; Systems Guard is $50 a month and covers nine systems. The Total Home Guard is the best value at just under $54 a month; it combines all the Appliance Guard and Systems Guard features.

Take a more detailed look at Liberty Home Guard's plans:

  • Appliance Guard: This plan offers coverage on 11 basic appliances including ceiling fans, garage door opener, garbage disposal, microwave, dishwasher, clothes washer, refrigerator, clothes dryer, oven, cooktop exhaust fan, and refrigerator ice-maker. There is relatively high coverage caps on appliances, all maxing out at $1,600 annually.
  • Systems Guard: This plan has coverage on nine essential systems, including air conditioner, heating system, ductwork, electrical, plumbing and plumbing stoppages, bath exhaust fan, toilet, and water heater. This plan offers the perfect amount on coverage all the necessary home systems.
  • Total Home Guard: This plan covers all of the major systems and appliances offered in the two other plans for a total of 20 items covered. Most appliances included in this plan have a $1,600 coverage limit, but air conditioning and heating systems have a higher cap of $2,500, which is much higher than whats offered by other Florida home warranties.
  • Optional add-ons: Liberty Home Guard has an extensive list of over 20 optional coverages including some unusual ones such as re-key service, pest control, gutter and floor cleaning, lawn sprinklers, and wine refrigerator. These coverages run anywhere from $39.99 to $249.99 per year.


Cost Per Month

Service Fee

Systems Guard



Appliance Guard



Total Home Guard



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!” - Alvin C

Very pleased with the resolution to my dryer issue. LHG made things happen quickly, particularly as this issue occurred during the holidays!”- Mark L. 

Read our Liberty Home Guard Review for more information.

3. Most Customizable: American Home Shield 

No two Florida homes are the same, and American Home Shield is the best Florida home warranty for customization. If you want to pick and choose which appliances and systems you have coverage for, AHS is perfect. With the American Home Shield Warranty, you can even pick your service fee.



- More than 50 years of industry experience

- Pricing is a little high

- Large network of contractors and professionals to help you get a quick fix

- Administrative fees charged for canceling a policy after the first 30 days

- Customize the entire plan to work with your budget and your home 


Plans, Pricing, and Coverage

American Home Shield offers three plans for customers. The ShieldSilver is the most affordable, around $35 a month for a Florida homeowner. ShieldSilver is just a systems plan, but it covers the air conditioning, water heater, and more. ShieldGold is about ten dollars more and has a mix of 23 home systems and appliances. Finally, you have ShieldPlatinum, one of the highest-rated plans in the industry, at $65 per month.

Here's a detailed look at American Home Shield's protection plans (note: these prices are based on a $100 service fee):

  • ShieldSilver™: This plan offers coverage on 17 major home systems including plumbing system, air conditioning, cooktop exhaust fans, garage door opener, water dispenser, water heater, electrical system, ductwork, smoke alarms, and more. ShieldSilver offers coverage caps up to $1,500 with excellent coverage on all parts of your HVAC system.
  • ShieldGold™: This plan is a combination plan covering 23 systems and appliances including all 17 covered by ShieldSilver plus washer, dryer, microwave, oven, dishwasher, and refrigerator.  The appliances covered in this plan have high coverage limits at $3,000, which can be helpful with high-end items in Florida homes. 
  • ShieldPlatinum™: This plan is the most comprehensive option offered, covering a total of 27 systems and appliances. ShieldPlatinum covers the 23 items covered in ShieldGold plus garbage disposal, water dispenser, locksmith, and free roof leak coverage. It also includes higher coverage caps on covered items, free HVAC tune-up, and $1,000 for code-required changes, modifications, and permits for your systems and appliances.
  • Optional add-ons: For around $4.17-$21.25 per month, AHS offers additional coverage on a few items including pool and spa, PC, TV, septic system and well pump.


Cost Per Month

Service Fee



$75 - $125



$75 - $125



$75 - $125

What Customers Are Saying

"Repairman came out on time and saw my washer was not repairable, so he made the phone call to AHS to let them know. I received an email from AHS the same afternoon and was told I could order a new washer comparable to what I had from the list they had, or i could take a cash option. I chose a washer on their list and 1 week later it was delivered and installed and the old one was hauled off. It was easy, fast and professional. I love having AHS." - Cindy A.

“Easy to start coverage. Competitive prices. We had two issues in the first three months (dryer, HVAC), and the claim process was simple and extremely fast. We had technicians in our house for both issues in just a couple of days.”- Christopher F. 

Read our American Home Shield Review for more information.

4. Most Affordable: Select Home Warranty 

The most affordable home warranty Florida residents can find is the Select Home Warranty. With Select Home Warranty roof leak coverage is thrown in free of charge, even for Florida homeowners with tile roofs. For those that live in condos, mobile homes, or rental properties, Select will not deny coverage.



- Fair pricing and roof leak coverage for free

- Coverage caps are not as high

- Add-on options are lower in price than other providers- Will sometimes charge more than one service fee if a repair has two individual issues
- 90 Day workmanship guarantee, longer than the industry average 

Plans, Pricing, and Coverage

Select Home Warranty has the Bronze Care (for appliances) and Gold Care for systems that are both priced at around $44 per month. However, the most valuable plan is the Platinum Care at $48 per month, as it includes all of the coverages in the Bronze and Gold Care combined.

Take a closer look at Select Home Warranty's plans:

  • Bronze Care Plan: This plan covers seven appliances including the following: garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator and clothes washer. Bronze Care costs the same as the systems-only plan, but most of the covered appliances come with a $500 coverage limit.
  • Gold Care Plan: This plan covers six major home systems including plumbing systems, air conditioner, heating, electrical, ductwork, and water heater. Gold Care costs the same as the appliance plan but has much higher coverage limits on some systems such as the $2,000 limit on A/C, heating and water heaters.
  • Platinum Care Plan: This plan is the most comprehensive option of all plans, covering the seven appliances from the Bronze Care Plan and the six systems covered in the Gold Care Plan plus three more including garage door opener, ceiling fans, and plumbing stoppages. There is free roof leak coverage up to the $400 coverage limit included in the plan.
  • Optional add-ons: Select offers a few add-on options, which are pool, spa, central vacuum, lawn sprinklers, stand-alone freezer, septic system, well pump, and sump pump. 


Cost Per Month

Service Fee

Gold Care



Bronze Care



Platinum Care



What Customers Are Saying

"Our refrigerator wasn't working and we almost bought a new one when I remembered our home warranty. I called and a technician called us back and ordered a new part. We unfortunately had to wait a week for the part but thats life these days. Our technician **** came and installed it. When he called later to check on it, our fridge still wasn't cold enough and he came back a second time and got it working fine. All for the price of my deductible! Better than buying a new refrigerator. Great service!" - Patricia S.

Just with my first service call, I am pleased with the response time, quick appt window, and the contractor that responded. They came out to the home and were very knowledgeable. SHW even followed up on how everything went. That's what you expect from a home warranty company. Thanks again.”- Natasha H. 

For more information read our Select Home Warranty Review.

5. Best Add-On Options: America's 1st Choice Home Club

America’s 1st Choice Home Club is available 24/7 and has several plan options that work well for Florida homeowners. One of the most exciting things about America’s 1st Choice Home Club is that they guarantee parts and labor for the life of your policy, the most extended workmanship guarantee in the industry. 



- Longest workmanship guarantee in the industry

- If you cancel outside of 30 days, there is a $75 cancellation fee
- Four plans to choose from- Claims have to be submitted immediately, or they can get denied

- Customer support is offered 24/7 


Plans, Pricing, and Coverage

There are four plans from America’s 1st Choice Home Club. However, the Platinum Plan, priced at around $58 per month, is the most comprehensive option for Florida homeowners. With more than 20 coverages, you will have peace of mind about your systems and appliances. 

What Customers are saying:

“AFC Home Club is the best yet! Because of our previous experiences with other warranty companies, my wife and I use common sense when choosing a warranty plan for our home. AFC has the best bang for the overall buck, providing our family the best peace of mind for our home.”- Brian W. 

6. Best Appliance Coverage: First American Home Warranty

Appliances are some of the most used items in any home, and First American Home Warranty does a great job of taking extra good care of your appliances. In addition, First American Home Warranty is aware that not all Florida homeowners are comfortable investing in a home warranty. Take advantage of the flexible payment options and the 30-day money-back guarantee. 



- Fair pricing on appliance-only plan 

- Air conditioning coverage is only offered as an add-on

- Great option for first-time homebuyer

- Coverage caps are not high
- Ability to submit claims 24/7 for quicker response times 

Plans, Pricing, and Coverage

The three plans from First American Home Warranty are the Starter, Essential and the Platinum. The Starter is offered at around $52 per month, and the Platinum is closer to $77. The Platinum Plan is comprehensive as it covers both systems and appliances, yet it still won’t cover AC without an add-on. 

What Customers are saying:

“I have been with First American for the past two years. The response time and covered actions have been above average, significantly above, compared to the other companies I have used over the past 15 years. Rates are reasonable given the amount of household equipment they include in their standard coverage, but the additional premium coverage leaves very little equipment not covered under the policy. Highly recommend this company and the premium policy”- Neil. L

7. Best Workmanship: Cinch Home Services 

Cinch Home Services has been in the business for more than 40 years, and they know a thing or two about quick service for Florida homeowners. One of the biggest appeals for Cinch Home Services customers is the low price plans; with some options under $35, it's a bit easier to decide to start your home warranty today.



- Fair priced policies with a 180 day workmanship guarantee

- Some negative customer service reviews 

- Will excuse unknown pre-existing conditions and offer coverage to customers 

- Service fees are customizable but higher than most 

- Free AC filters each year and discounts on new appliances 


Plans, Pricing, and Coverage

There are three plans from Cinch Home Services. The Appliance plan is the most affordable at less than $35 a month; Built-In Systems plans are a few dollars more and cover your major systems, including A/C, heating, and electrical. The best option from Cinch Home Services is the Complete Home plan that combines appliance and system coverage. When shopping for a home warranty, Florida homeowners should keep service fees in mind; Cinch Home Services has slightly higher fees.

Look at the details of Cinch Home Services plans:

  • Appliances Plan: This plan covers 11 major appliances including microwave, cooktop exhaust fan, trash compactor, dishwasher, oven, clothes dryer, food center, free-standing ice maker, refrigerator, refrigerator ice-maker, and clothes washer. Most of these appliances have a high coverage limit at $2,000.
  • Built-In Systems Plan: This plan covers 21 systems including air conditioner, smoke alarms, attic fans, septic tank pumping, bath exhaust fans, cooktop fans, water dispenser, garbage disposal, doorbells, ductwork, toilet, electrical system, heating system, water heater, plumbing and plumbing stoppages, garage door opener, spa, sump pump, central vacuum, and whole house fan. 
  • Complete Home Plan: This plan covers all of the items in each of the other two plans, covering a total of 32 major home appliances and systems. Many of these items have coverage caps of $1,000-$2,000 , but some systems don't have annual caps on them. The Complete Home Plan also comes with a homeowners insurance reimbursement of $500 per contract term.
  • Optional add-ons: There are three optional coverages including pool, septic systems, and well pump. Cinch also offers the Premier Upgrade Package, which includes $1,000 for any unforeseen costs that may occur during a claim. 


Cost Per Month

Service Fee

Appliances Plan


$100 - $150

Built-In Systems Plan


$100 - $150

Complete Home Plan


$100 - $150

What Customers Are Saying

"From calling in because my heat wasn't working to having a new system installed, everyone was so helpful and kind, fast working and oh so helpful. I recommend a home warranty to anyone that owns their home!" - William H.

“I've had this company for 10+ years. I've had appliances break, but some were repaired and some replaced. All I've ever paid was my deductible. The repair people that came out were friendly and professional. I've never had a bad experience with Cinch.”- Steve F.

Read our Cinch Home Services Review for more information.

Home Warranty Coverage in Florida Cities

How to Find the Best 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. It's important to note that the best home warranties in Florida are also top home warranties of America. 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. Moreover, reading individual home warranty reviews can help you get a better picture of all costs and coverages offered by a provider.

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, ceiling fans, or swimming pools to help keep us cool. A home warranty policy for Florida residents should have good HVAC/air conditioner 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 in Florida 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 the replacement costs of system failures and focus on the benefits of homeownership.

After much consideration, our number one pick in the Florida market is Choice Home Warranty. It provides 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!

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 in Florida 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? Does it  respond quickly to claims filed? Is its customer service line 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.

Resources for Florida Homeowners and Home Buyers

  • HUD Florida Homeownership Assistance:  HUD Helps families of all income levels with issues that can come up during home buying or homeownership. With the HUD Program being a federal program, there are lots of ways that HUD can help, and there are large grants and assistance funds that HUD has access to. 
  • Florida Association For Community Action: Whether you need weatherization assistance or emergency home repair, the Florida Association for Community Action is there to help. This is a program that has resources all across the state of Florida. 
  • Florida Housing Finance Corporation: The Florida Housing Finance Corporation works to get people in their homes and to keep them there. If you are looking for financial information for your housing, the Florida Housing Finance Corporation is a trusted and valuable resource to consider. 
  • USDA Rural Development:  Many areas of Florida are considered rural. If you plan on developing your home in these areas, there could be grants from the United States government to help you afford this process and create your home. If you like rural life, take advantage of these programs and initiatives. 
  • Orange County Homebuyer Downpayment Assistance: First-time home buyers and low-income home buyers have some great opportunities when it comes to down payment assistance. Don’t let the opportunity of down payment assistance go to waste; you may only get this one time; it’s worth taking advantage of. Whether its a new home or a new-to-you home, some assistance is always helpful.

Recap of Our Top Picks In Florida 

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 Liberty Home Guard
Editorial Rating 98.00
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.60
  • 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
  # 4 Cinch Home Services
Editorial Rating 95.30
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 24/7 customer service
  • Low cancellation fee
  # 5 First Premier Home Warranty
Editorial Rating 95.10
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported
  # 6 The Home Service Club
Editorial Rating 94.90
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 7 ServicePlus Home Warranty
Editorial Rating 95.10
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability

Nearby States

All states
Home warranty Georgia 42 companies available
Georgia Home Warranty
Home warranty South Carolina 36 companies available
South Carolina Home Warranty
Alabama flag
Home warranty Alabama 34 companies available
Alabama Home Warranty

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 or extended warranties stop. 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 it covers 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.