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
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
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 American Home Shield
Editorial Rating 98.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: 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:

Compare Florida Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B

The Home Service Club

Site

Best For Quick Coverage

$50-$63

$65-$125

NA

Liberty Home Guard

Site

Best Customer Service

$40 - $60

$60

A

Cinch Home Services

Site

Best Add On Coverage

$28 - $40

$100 - $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

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.

Type

Average Annual Premium

Overall

$630.62

Single Family Home

$533.19

Multi-Family

$902.47

Townhome

$502.48

Condo

$547.89

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$575.41

Florida Home Warranty Companies Reviews

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

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Florida. With a Choice Home Warranty plan, you will benefit from the 13 years that Choice has spent serving the state of Florida. Both Choice Home Warranty plans, the Basic Plan and the Total Plan, cover systems and appliances, guaranteeing comprehensive coverage for your home. The fine print with Choice Home Warranty is relatively minimal. Homeowners like the simplicity when it comes to signing up for and filing claims with Choice Home Warranty. Choice has an extensive network of service technicians in Florida prepared to offer solutions to your home issues and provide you peace of mind.

Pros

Cons

Comprehensive plan options

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

Simple contract plan

 

Reasonable service fee

 

Good add on coverages

 

A good sign-on incentive and cancellation policies 

 

Plans, Pricing, and Coverage

There are only two Choice Home Warranties to choose from. However, these two policies are all you could possibly need. Florida residents on a budget can go with the Basic Plan and have limited coverage but a mix of both systems and appliances for under $45 per month. The more comprehensive option is the Total Plan which covers the 14 items covered by the Basic Plan plus 4 more: washer, dryer, air conditioning and refrigerator. The low monthly deductibles make up for what seems like a high service fee at first glance. However, it's hard to beat $55 or lower per month for this much coverage.

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

  • Basic Plan ($42 per month): 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 ($53.33 per month): 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. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

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.

Read our Choice Home Warranty Review for more information

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Florida residents. If you live in Ocala vs. Ft. Lauderdale, chances are your home will have some different features and require different types of coverage. The ability to build out your home warranty plan to match your home’s exact needs is a tremendous benefit of American Home Shield home warranty plans. Simply contact a customer service rep to get your unique plan. AHS's plans have been available for Florida homeowners for more than 50 years, and in that time AHS has established itself as a top-rated provider. With three plans and customizable pricing, American Home Shield is the ideal provider for any FL homeowner.

Pros

Cons

It has been on the market for more than 50 years

Considered to be a more premium policy 

Can build out a custom plan 

Some of the policy choices are priced a bit higher

An excellent choice for high-end Florida homes 

 

Impressive customer service 

 

Plenty of add on coverage choices 

 

Plans, Pricing, and Coverage

There are three American Home Shield plans on the market: ShieldSilver, ShieldGold and ShieldPlatinum. The great thing about these plans is that each of them cover the major systems of the home, which is especially important because Floridians need a working HVAC system to be comfortable during the majority of the year. AHS's ShieldSilver covers mainly systems, ShieldGold covers limited systems and appliances, and ShieldPlatinum covers even more systems and appliances than either of them. For coverage as low as $30 per month, it's hard to beat American Home Shield. AHS also allows its policyholders to choose their service fee of $75, $100, $125. A higher service results in a lower monthly deductible and vice versa. 

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

  • ShieldSilver™ ($34.27 per month): 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™ ($44.27 per month): 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™ ($64.27 per month): 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.

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$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.

Read our American Home Shield Review for more information.

3. Most Affordable: Select Home Warranty 

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

Pros 

Cons

Good history in the home warranty business 

Combo plan is one of the best price in the industry

High workmanship quality 

Not always the best plan for high-end appliances and systems 

Known for having good value 

 

Combo plan is one of the best price in the industry

 

Plans, Pricing, and Coverage

There are three Select Home Warranty plans for homeowners to choose from; Bronze Care Plan (appliances), the Gold Care Plan (systems) and the combo Platinum Care Plan (systems and appliances). The Platinum Care Plan is the most comprehensive policy choice and will help justify the costs of your Florida home warranty quite easily. Select Home Warranty's monthly deductibles are very middle-of-the-road in terms of industry average. However, this provider offers the most affordable plan due to its low service fee cost of $60. Select Home Warranty keeps its policy affordable by slightly limiting coverage and the coverage caps involved in the home warranty plans. Any of Select's plans are sure to be within your budget and will protect your Florida home. 

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

  • Bronze Care Plan ($60.42 per month): 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 ($60.42 per month): 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 ($65.83 per month): 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. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

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.

For more information read our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is a home warranty that has been on the market for more than a dozen years. During this time, they have worked hard to get customers fair and adequate coverage quickly. With the The Home Service Club, you will have coverage for your home in ten days’ time. Most home warranty companies in Florida will take thirty days before a plan goes into effect. Homeowners who are serious about having a long list of coverages and pay excellent attention to detail will benefit from The Home Service Club home warranty plan. 

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

Plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

The Home Service Club offers two home warranty plans for Florida homeowners to choose from. The two plans are the Standard Coverage plan and the Comprehensive Coverage plan. The Standard Plan has a large amount of coverage for only $50 per month. However, the Comprehensive Coverage plan is the best option for Florida because of the broad range of systems and appliances included, and it's only $63 per month. HSC also has customizable service fees of $60, $75 and $95.

Take a more detailed look at The Home Service Clubs' home warranty plans:

  • Standard Coverage ($50 per month): This plan covers both systems and appliances for a home. You will have coverage including air conditioners, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
  • Comprehensive Coverage ($63.00 per month): This plan covers all of the items on the Standard Plan plus gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, and more. 
  • Optional add-ons: The Home Service Club offers 12 additional or add-on coverages as part of their home warranty plan. These include items like a well pump, service line, plumbing sprinkler, spa and spa heater, freestanding freezer, water softener, and more.  

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

I really had a wonderful experience with the exterminator that was there to rid my house of the worst mice infestation I have ever lived through in my seven years living in this house. He knew a lot about these sorts of creatures. He really was an expert in his field. It was a privilege to have him over my house. Keep up the good work! (Source)

Read our HSC Review to learn more.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for those looking for a valuable and highly rated company in the state of Florida. People tend to have less trust for a new company, yet two of the new companies on our list are the highest rated companies with the BBB. With just two years in the Florida market, LHG has managed to receive a BBB rating of an A and established itself as a trustworthy provider. When you look at the customer reviews, response times, and workmanship quality that Liberty Home Guard has, it becomes obvious why LGH is a top home warranty company in Florida. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high 

Quick response times to inquiries and claims

To get a very comprehensive policy, the price increases considerably 

Add on coverage list is very extensive 

 

Good workmanship quality and free re-service

 

Plans, Pricing, and Coverage

There are three standard plans offered by Liberty Home Guard; however, you can add quite a bit of add-on coverage to these plans. LGH has Systems Guard, Appliance Guard and the combo plan Total Home Guard. The add-on options for the Liberty Home Guard are quite extensive with over 20 options to choose from. Everything from cleaning gutters to getting your home free of pests can be added to your policy. Of course, these will increase the price, but many FL homeowners find it well worth it. Although the overall cost of the LGH plan may seem high, the coverage and trustworthiness you get with Liberty is unbeatable. Liberty also has a fair service fee of $75 per service call.

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

  • Appliance Guard ($69.99 per month): 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 ($74.99 per month): 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 ($79.99 per month): 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 $49.99 to $299.99 per year.

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

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

Read our Liberty Home Guard Review for more information.

6. Best Coverage: First Premier Home Warranty 

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

Pros

Cons

BBB rating of A-

A short period on the market

Modern technology and systems in place

Paying upfront for the year is not always possible for all FL residents

Growing and expanding each day

 

Low overall costs if you pay upfront 

 

Plans, Pricing, and Coverage

There are two plans from First Premier Home Warranty, and the company has kept things relatively simple; the only thing that you should keep in mind is that the lower pricing is only available to those that pay for their plan upfront for the year. First Premier also offers higher coverage limits on some of the essential systems in your home like air conditioner and heating system. Having a working air conditioner is essential to being comfortable in your Florida Home. First Premier also offers multiple optional add-ons to you coverage such as pool and spa and roof leak coverage. First Premier's service fee is $75 per service call.

Take a closer look at First Premier's coverage plans:

  • Gold Plan ($43 per month): This plan covers 14 total systems and appliances including ceiling fan, cooktop exhaust, garbage disposal, ductwork, microwave, electrical system, garage door opener, oven, dishwasher, plumbing system and stoppages, sump pump, trash compactor, and water heater. This plan costs less at $33.25 per month if you pay the annual cost of $399 rather than monthly.
  • Platinum Plan ($50 per month): This plan covers all 14 items in the Gold Plan plus five more items: air conditioning, heating system, washer, dryer, and refrigerator. This plan will only cost $37.42 per month if you pay the annual cost of $449 instead of monthly. Many of the included systems and appliances have a $500 coverage limit, or in the case of air conditioning and heating systems, a $1,500 limit. 
  • Optional add-ons: There are multiple optional add-ons offered by First Premier including free-standing ice maker, septic tank pumping, stand-alone freezer, central vacuum, well pump, refrigerator ice maker, lawn sprinkler, water softener, roof leaks, septic, spa and pool coverage.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying 

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

For more information read out First Premier Home Warranty Review.

7. Best Workmanship: Cinch Home Services 

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

Pros

Cons

40 years in the home warranty business 

Higher service fees or deductible pricing

180-day workmanship guarantee

Some negative customer reviews

Moderately priced plans 

It seems as though contractors can be hit or miss 

Plans, Pricing, and Coverage

The three Cinch Home Warranty policies offered are the Appliances Plan, the Built-in Systems Plan, and the comprehensive Complete Home Plan. All of the plans have high service fees associated with them, but the monthly pricing is fair for all three. You can get the Complete Home Plan for as low as $49.99 per month if you choose the highest service fee. Similar to American Home Shield, Cinch allows its customers to pick their service fee of $75, $100, or $150. Again, a lower service fees means you'll pay a higher monthly deductible and vice versa. With a Complete Home Plan in place, your Florida home will stay in tip-top shape for years to come. 

Look at the details of Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): 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 ($51.99 per month): 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 ($61.99 per month): 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. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75 - $150

Built-In Systems Plan

$39.99-$57.99

$75 - $150

Complete Home Plan

$49.99-$67.99

$75 - $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.

Read our Cinch Home Services Review for more information.

Home Warranty Coverage in Florida Cities

What is a Home Warranty?

A home warranty is a service contract that covers the costs of repairs or replacements of your home's major systems and appliances. The service contract outlines the items covered, annual coverage limits, service fees, monthly premiums, exclusions and inclusions, and more. Most providers offer 2-3 plan options, each covers a specific set of major home appliances and/or systems, has a set service fee and monthly cost, and outlines the exclusions on each covered items.

When a covered system or appliance has a breakdown, you contact your service provider via its online claims portal or claims phone number. The company will then provide an experienced technician to come and look the broken item. The technician will assess the issue and determine the best course of action in terms of repairs or replacements. You will then either pay the service fee to the technician directly or be billed by your home warranty provider.

You can save several hundred to several thousands on home repairs with a home warranty. For example, an air conditioner replacement could cost upward of $2,000, but you will only pay the service fee outlined in your policy contract and your provider will cover the rest. This can offer you peace of mind of not having to pull from your savings for unexpected home repairs.

A home warranty is different from homeowners insurance in that it doesn't cover natural disasters. Home warranties only cover the breakdowns of systems and appliances included in your policy, whereas homeowners insurance covers the damage caused by fires, floods, hurricanes, etc. Your home warranty policy also will not cover damage caused my misuse or improper maintenance, pre-existing conditions, or cosmetic defects.

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!

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

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

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies 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 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • 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
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Georgia 42 companies available
Georgia Home Warranty
Home warranty South Carolina 34 companies available
South Carolina Home Warranty
Alabama flag
Home warranty Alabama 33 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.

Q.

Is a home warranty worth it in Florida?

A.
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. 
Q.

What are the best home warranty companies in Florida?

A.
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
Q.

What do home warranties cover?

A.
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. 
Q.

How much does a Florida home warranty cost?

A.
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
$49
$584

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

How do I choose a good home warranty?

A.
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.