Why are home warranty companies in Florida so popular among homeowners and real estate agents? It’s because the Florida real estate market is flourishing.
But, finding the best home warranty companies in Florida isn’t as easy as it may seem, though.
Our team has carefully reviewed more than 68 home warranty providers to find the best plans available.
In our analysis, you will find:
- How can you save the most money with a home warranty?
- What do Florida homeowners need in a home protection plan?
- What important details should you look for before choosing a plan?
- A review of the top 5 Florida home warranty providers with pros and cons
- And more!
Below are the top picks that we think are of the most benefit to Florida residents. Continue reading!
So, choosing the right company takes some careful consideration, but we want to help!
There are more than 100 home warranty companies in the USA, and most offer coverage for residents or retirees spending their golden years in the Sunshine State.
Of the top home warranty providers in the country, we reviewed what each offers to find the absolute best protection options for you. We evaluated rates, terms, cancellation fees, customer reviews, statistics, and more to provide you with details to help you choose the best warranty company available and get the most out of your home service contract.
Do You Need A Home Warranty in Florida?
The climate in Florida can cause more repairs for homeowners. In the northern and central parts of Florida, the climate is subtropical and humid.
The southern part of the state has a tropical climate where thunderstorms are not uncommon. Many Florida homes are also within a few miles from the beach, and salt-water is especially corrosive.
Home components can wear out faster due to heavy storms and corrosion, so it is wise for all Florida homeowners to cover their property. However, some situations might make it even more critical for you to have coverage.
Do You Plan to Retire in Florida?
The savviest people buy their Florida residences well in advance, and by the time they retire, they have a beautiful place to live without having to pay monthly mortgage payments.
However, they still need to worry about maintenance. That is where FL home warranty plans come in handy. A home warranty takes the stress out of home repairs. With a home service contract provider behind you, you know when something breaks, it is not a problem.
Curious about purchasing a duplex for your retirement in Florida? Read Also: What Are The Best Home Warranty Plans For A Duplex
Do You Worry About How You Will Pay For Expensive Home Repairs?
Does the thought of coming up with thousands of dollars to replace your HVAC system keep you up at night? Why stress yourself worrying when you can protect yourself with an affordable home warranty.
Top 7 Best Home Warranty Companies in Florida
Are You Purchasing An Older Home?
The Sunshine State has plenty of beautiful homes. The median age of houses in this state is about 12 years, and many of the homes in Florida are even older.
So, chances are your Florida refuge is not brand new. That means that a manufacturer's warranty for most home systems and appliances has expired, and a home warranty is even more critical.
Otherwise, you will need to dip into your savings, or worse yet, come up with the money to repair appliances as they break.
There is nothing wrong with owning an older home , but you do need to expect things to break. Home warranty companies make owning an older home just as enjoyable and convenient as living in a newly constructed property.
Do you own an older home with luxury appliances and systems? Check out this article on how to best protect your items.
Do You Own Aging Appliances?
If you own appliances that are no longer covered under a manufacturer's warranty, you know eventually they will need to be serviced or replaced. Even new appliances can break, but the older your machines are, the more likely they are to need repairs.
Anyone who owns older appliances should strongly consider covering them with a protection plan. Your washer and dryer, refrigerator, garage door opener, and others make life more comfortable, and you probably take these items for granted, but when they break, it is another story.
With an appliances plan, you never have to worry about laundry piling up, having to manually open your garage each time you leave or come home, or getting stuck in a hot home with no air conditioner.
Does Your Home Have A Pool Or Spa?
Florida is one of the leading states for inground pools. The average pool repair costs around $500. However, they can be much higher depending on which pool part needs repairs. Luckily, most Florida home warranty companies offer coverage for swimming pools and whirlpools.
How Can You Save Money With A Florida Home Warranty?
A home warranty in Florida is a fairly common way for homeowners to save money on house repairs. For under a dollar a day, you can purchase a basic plan from a reputable company to protect many of your home's major components. Generally, basic policies cover repairs for electrical systems, heaters, water heaters, plumbing stoppages, garbage disposals, cooktops, ceiling fans, garage door openers, and more.
Look For Affordable Service Fees
All home warranty companies charge service fees before completing repairs on covered items. The service fees typically run between $60 and $150, depending on the provider you choose.
So, if you want to save the most money with your plan, it is essential to choose a company with service call fees.
Best Home Warranty In Florida?
Choice Home Warranty is our #1 pick in the Florida market. Why? Because Choice provides a true level of satisfaction through three comprehensive plans, offers customer support 24/7 and is among the lowest in claim denial rates.
You should also look for a provider with free reservice on repairs. Most companies offer at least 30 days of protection on items their service contract professionals repair or replace, but some offer as long as 90 days.
Choose A Company With Positive Consumer Reviews
Customer reviews are a great place to look when you are shopping-home warranty coverage options. The companies with the best reviews typically have a good track record for fast service calls, covering repairs, and excellent customer service.
Take Advantage Of Value-Added Services
Many home warranty companies offer value-added services to customers. These services include discounts for system maintenance through the warranty providers contractor network, free HVAC servicing, and free air filters.
Taking advantage of these additional benefits to owning a service contract helps you to get the most out of your investment.
Choose A Plan That Covers Replacement Costs
Choosing a plan that covers replacement costs is essential because not all appliances are fixable. If your policy does not cover the replacement of items like your clothes washer, dishwasher, refrigerator, central air, and heating system, it can leave you without protection when they fail.
You should also pay attention to the limits placed on replacements. If you own expensive home components, you need to make sure that the company you choose will cover the full replacement costs.
How Do You Get A Home Warranty In Florida?
There are a few ways that you can purchase a home warranty coverage in Florida. If you are buying a new home, you can include a home warranty in your real estate contract.
It is common practice for the seller to pay for the home warranty for the new homeowner. When your new policy is paid for in closing, coverage typically starts immediately.
Another way home buyers get coverage is for the seller to transfer their existing home warranty to the new property owner. Many companies even offer free owner transfers.
When the current owner transfers their policy to the new owner, there is no lapse in coverage.
If you already own your Florida home and you want to purchase a home warranty, you can do that also. When you buy a policy for your existing home, most companies have a 30 day waiting period before you can use the coverage.
What Coverage Options Are Most Important In Florida?
Due to the climate in Florida, it is vital to have protection for outdoor components, your air conditioner, electrical systems, and home appliances.
Of course, you might want to opt for a complete home protection policy that will cover all of the appliances and systems in your home for even greater protection.
What Plans Are Available For Florida Homeowners?
As a Florida resident, you are lucky to have a big selection of home warranty companies that offer various plans and options to cover additional items, such as extra refrigerators, central vacuum, sprinkler systems, roof leaks, swimming pool, and spa.
There are several ways you can cover the vital components in your home. However, choosing your plan carefully is essential because the covered items differ depending on the program and provider you select.
Basic coverage offers protection for many of your home appliances and a few home systems. Generally, a basic policy covers your garbage disposal, ceiling fans, garage door openers, ductwork, electrical systems, and plumbing stoppages.
Some providers even offer heating system coverage in their basic plan. However, each basic plan is different.
You also have the option of selecting an appliance only package, which is an excellent way to keep your monthly home warranty costs low. However, with an appliance-only package, you are leaving yourself on the line for major system repairs.
A total home protection package includes more covered items than a basic plan. Many Florida homeowners choose a package that covers everything in their home, so they have complete protection.
For the most part, advanced protection plans cover clothes washers and dryers, air conditioners, whirlpool tubs, sprinklers, roof leaks, plumbing systems, and more. Like basic plans, each home warranty company offers different covered items.
Home Appliance Coverage
Most plans cover major appliances. However, it is crucial to make sure the devices you want to cover are in the policy you purchase. Most home warranty providers offer add-on coverage for items that are not included in your plan.
A systems package is a great way to cover your HVAC, ductwork, plumbing, and electrical systems. A systems package can be a great way to supplement your plan if you choose a basic plan that does not protect all of the major systems in your home.
Add-Ons and Combo Plans
Most home warranty companies in Florida offer add-ons and combo-plans that allow you to tailor your coverage to your needs. With add-ons, you can cover appliances or home systems individually.
Combo plans allow you to bundle several plans together for more comprehensive protection.
Are There Separate Home Warranties For Home Buyers and Home Sellers?
Some home warranty companies offer coverage not only to homeowners or homebuyers but also to home sellers. Home sellers buy a policy to increase the value of their homes and to save money in case something breaks while the house is on the market.
If you purchase a seller's policy, you will likely have the option of transferring the plan to the new homeowner without paying an additional fee.
Check out this video from our friends at American Home Shield for more information on home warranty plans as a Florida buyer or seller.
What Property Types Can You Cover With A Florida Home Warranty?
Regardless of whether you live in Miami or Tampa, most home warranty companies in Florida offer plans for single-family, townhomes, condos, and mobile homes. With a home service plan, residents of any type of property can have peace of mind that repairs are covered.
However, you do need to check with your desired service provider before signing up to make sure that their coverage fits your specific needs.
Are There Any Home Warranty Regulations In Florida?
Before you sign a contract with a home warranty company, you need to make sure that it is legally operating in your state. All the home warranty companies in Florida are regulated by the Office of Insurance Regulations (OIR).
So, you can perform a search for any company to see if they are licensed to provide service to Florida residents. However, the OIR does not regulate service contract prices or covered items.
To learn more about how home warranties are regulated in the USA view our regulation analysis page.
What Are The Top 5 Best Home Warranties in Florida?
Home warranties are not one size fits all. Each homeowner has different needs. If you enjoy a busy life, you will probably want to pick a company with fast service calls and a network of trusted service providers.
For budget-conscious property owners, the best provider will offer low service fees and high-limits for replacements.
If you are living on a fixed income, you might want to choose the company with the best basic plan coverage.
We reviewed the top 5 best home warranties for Florida residents. So, you have the information to choose the right home warranty provider, and a plan exceeds your expectations.
1. Choice Home Warranty
Choice Home Warranty is our #1 pick in the Florida market because Choice offers two excellent plans, the Basic Plan and the Total Plan, as well as several add-on options to cover additional items.
With the Basic Plan, homeowners can protect nearly a dozen appliances and home components for less than $40 a month. Choice also has an excellent track record for covering repairs and the replacement of covered items. The response times are quick, and 24/7 customer support and emergency services are available.
- Reservice of repairs and parts replacements are covered for 30 days.
- Choice accepts claims for older appliances.
- There are affordable plan options for all homeowners.
- Weekend and holiday service calls might take longer.
- No plan customization options are available.
- There are low replacement limits for some systems and appliances.
2. American Home Shield
American Home Shield (AHS) is one of the oldest and most trusted warranty service companies. They have excellent home warranty offers to fit nearly any homeowner's needs.
With a home service contract from AHS, you also get some additional benefits like free AC filters. Plus, you have the option to fully customize your coverage with a combo plan or add-on protection for individual components.
- American Home Shield has been a leader in the home warranty industry for decades.
- Previously repaired systems and appliances are covered.
- Customer service is fast and friendly.
- Contracts are more expensive than some other providers.
- There are replacement limits.
- Customers are charged $10 per pound for AC coolant.
3. Select Home Warranty
Select Home Warranty is our third pick for Florida homeowners. They are one of the newer and smaller providers in the state.
However, they offer excellent home warranty offers, 24/7 customer support, weekend and holiday service for emergencies, and more. Plus, Select receives positive customer reviews.
- Cancellations are free for the first 30 days.
- Transferring policy ownership is free.
- Replacement payments are quick.
- The coverage is automatically renewed 30 days before the contract end date.
- Customers are charged a $75 policy cancellation after the first 30 days.
- Reservice for repairs made by a Select service provider may not be covered.
4. Total Home Protection
Total Home Protection is a great provider in Florida. Of all of the companies providing home warranty service in Florida, Total is one of the newest. They began offering home warranties in 2016.
Since then, it has received excellent customer reviews. The plans are comprehensive, and there are several options to fit a variety of needs.
- Total offers affordable home warranty options and special offers.
- Total Home Protection has an excellent rating with the BBB.
- There is coverage for reservice of repairs.
- Customers only have one day to submit claims.
- Total Home Protection does not offer coverage for window units, ductless air conditioning systems, and humidifiers.
- It has not been in business for as long as many providers.
5. First American Home Warranty
First American Home Warranty has been a service provider for more than 25 years. First American offers some of the lowest plans available for consumers looking to cover their appliances and home systems.
Customers enjoy low service fees, high coverage limits, and the peace of mind that comes from working with an industry leader. However, the plans are not as comprehensive as the plans offered by other providers.
- First American Home Warranty has the experience to handle complex problems.
- The contractor pool is large.
- Repairs and replacements are completed quickly.
- Air conditioning is not covered under either plan.
- Policies are renewed automatically 30 days before the contract end date.
- Reservice for repairs is only covered for 30 days.
A Final Word On Purchasing a Home Warranty In Florida
Now that you know what a home warranty looks like for a Florida homeowner, you should be well on your way to making a selection. Before you commit to a plan, request a free quote and sample service contract to review.
After carefully selecting your home protection plan, you can stop worrying about costly system failures and focus on the benefits of homeownership.
After much consideration, our number one pick in the Florida market is Choice Home Warranty. They provide the best protection for all kinds of homeowners-- new buyers, retirees, vacation homeowners and more.