Top Best Home Warranty Companies In Georgia Review

Written By: Britt Olizarowicz

Edited by: Andrew Dunn


As a Georgia homeowner myself, I know all to well the extremes of the Southern summer heat and the cool and damp winters. With this kind of unpredictable weather, your home can undergo quite a bit of wear and tear. 

A home warranty can help you afford the repairs your Georgia home will undoubtedly need, giving you a little peace of mind that you can keep your house running smoothly. In this article, we’ll go over the top five Georgia home warranty programs I would trust for my Georgia home. 

Editor's Choice

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Best Overall

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Most Affordable

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For most Georgia homes, your AC and heating systems are vital\ to maintain comfort throughout the year. In addition, whether you are hiking the Blue Ridge Mountains or swimming in the low country, chances are your laundry room appliances will also experience a bit of wear and tear. As we reviewed home warranty companies in Georgia, we kept coverage for these items at the top of mind.


Best Home Warranty Companies in Georgia

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • All plans have comprehensive coverage. Most other home warranty plans cover either just systems or just appliances.
  • Choice’s coverage caps are $3,000 per item, per year for most major systems and appliances beating the industry average.
  • Choice Home Warranty doesn't exclude older homes, so you can still get coverage regardless of the age of your property.
  # 2 Liberty Home Guard
Editorial Rating 98
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.6
  • With over 52 years of experience and 1.7 million customers AHS has a long history in the industry.
  • American Home Shield, lest you choose a service fee that works for your budget.
  • Coverage caps for systems are unlimited across all three plans and are either $3000 or $6000 for appliances.
  # 4 Select Home Warranty
Editorial Rating 97.2
  • $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

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

Top 5 Best Home Warranty Companies in Georgia:

  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
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

Georgia Home Warranty Costs

The average annual cost of a Georgia home warranty will vary from one home to the next. The pricing depends on the specifics of the plan you choose and the appliances and systems you include. In addition, the cost of your home warranty will depend on where specifically in Georgia you live and the coverage caps and service fees that go along with your policy. 


Average Annual Cost

Average Monthly Cost


$455 to $1,308

$38 to $109

Single Family Home 

$455 to $1,308

$38 to $109


$650 to $1,450

$54 to $121


$455 to $800

$38 to $67


$455 to $750

$38 to $63

Home Over 5,000 sq. ft.

$720 to $1,450

$60 to $121

Home Under 5,000 sq. ft.

$455 to $1,308

$38 to $109

How we reviewed the best Georgia home warranty companies

Review Home Warranties takes the home warranty industry seriously. We dive beneath company jargon and marketing pitches to give you an objective look at how each provider performs and what it’s like to work with them. 

We dive deep into the fine print of every home warranty company’s plans to evaluate how well they’ll cover your home – so you won’t be surprised when you file a claim. Our rankings and reviews are based on a long list of factors, including:

  • Plan pricing
  • Plan coverage
  • Coverage caps
  • Exclusions and limitations
  • Ease of use
  • Customer service
  • Customer reviews
  • Transparency
  • Company reputation and track record

That review resulted in the following five home warranty providers chosen as the best in Georgia.

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty company for most Georgia homeowners. The provider offers two home warranty plans that cover both systems and appliances. Both feature solid reviews, fair pricing, and clearly laid out service contracts. 


But in Georgia, you're almost certainly going to want Choice’s Total Plan, as it includes coverage for your air conditioner, refrigerator, washer and dryer. 




Each of the company’s plans are comprehensive 

Basic Plan is a bit limited 

Fair pricing for good coverage

Some negative customer service reviews 

High coverage caps of $3,000 per item

No plan customization 

Plans, Pricing, and Coverage 

The key to the Choice Home Warranty plans is that they are both comprehensive with both system and appliance coverage. In addition, coverage caps are as high as $3000 for covered items. 

Take a look at Choice Home Warranty plans: 


  • Basic Plan: ($45): This plan offers coverage for most major appliances and systems, including the oven, heating system and dishwasher. 


  • Total Plan: ($53.33): Total offers more complete coverage that also includes A/C, refrigerator, washer and dryer, something that Georgia homeowners will almost certainly want to include. 


Cost Per Month 

Service Fee 

Basic Plan



Total Plan



What Customers Are Saying:

"I put in a claim with Choice Home Warranty for an electrical problem in my home. I received an appointment shortly thereafter which was great. When the electricians arrived (Doctor Circuits Electrical, LLC), they listened to my issues, immediately investigated and found the problem. The techs were great! Professional, kind, and informative. Wish all contractors had their work ethic!" - Angela M.

“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 R.

Read our Choice Home Warranty Review for more information.

2. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is the best reviewed home warranty in the state of Georgia. That’s largely due to the company’s customer service: When you call to get your quote, they are responsive, understanding and helpful. Liberty Home Guard has only been in the business for five years, but customer reviews indicate the company has proven that putting the customer first is their priority.



Great customer service reviews 

One of the newer companies on the list 

60-day workmanship guarantee, longer than industry average

Adding additional coverage can get expensive 

All plans come in under $720 per year 


Plans, Pricing and Coverage

Liberty Home Guard has a 60-day workmanship guarantee – longer than the industry standard of 30 days. Its coverage caps come in at $1,600 for most of the major systems and appliances, which isn’t great but isn’t terrible either. All told, Liberty offers a good mix of coverage and value for Georgia homeowners. In addition, there are more than 20 additional coverages you can include, like swimming pools and spas.

Take a look at Liberty Home Guard plans

  • Appliance Guard Plan: This is a typical appliance-only plan with a total of nine major appliances.
  • System Guard Plan: This is a systems-only plan covering six total major home functions: central air conditioning, central heating, plumbing, electrical, water heaters and ductwork.
  • Total Home Guard: The most popular for Georgia homeowners, Total Home Guard offers coverage for all of the systems and appliances included in the other plans for only a few additional dollars.


Cost Per Month 

Service Fee 

Appliance Guard



Systems Guard



Total Home Guard



What Customers Are Saying: 

“My agent was ********************* and he was excellent! He was able to offer me the price that I wanted and was friendly and knowledgeable. It is rare to get that kind of professionalism today. I appreciated his help and he said I could contact him should I ever need anything. Thanks **** and LHG!" - Susan B.

Very accommodating. Always have someone that will reach out and call you back even on Sundays. Quick responses and very polite”- Irvin T. 

Read our Liberty Home Guard Review for more information.

3. Most Customizable: American Home Shield 

As a Georgia homeowner, I can tell you that plan customization is incredibly useful when shopping for a home warranty. My home is different from my neighbor's home, and American Home Shield gives me the opportunity to customize the coverage to my individual situation. I only have to pay for what I need to be covered, without needing to cover a lot of things I don’t own. 

American Home Shield has more than 50 years of industry experience, an impressive depth of coverage, and some great options for those with high end appliances and systems. 



Plans are customizable 

Plans tend to be expensive 

Impressive history in the industry 

Customization comes at a cost 

Coverage caps as high as $6,000 on appliances


Plans, Pricing, and Coverage

The American Home Shield coverage caps are higher than most, and with the Platinum plan you can get up to $6,000 in coverage on your appliances – one of the highest coverage limits in the industry. 

Take a look at American Home Shield’s plans:

  • ShieldSilver Plan:  ShieldSilver is a systems-only plan that has coverage for 14 major systems in the home 
  • ShieldGold Plan: This plan offers coverage for 23 systems and appliances, offering a good mix of coverage and affordability.
  • ShieldPlatinum Plan: The most comprehensive home warranty plan in the industry, with everything in the ShieldSilver and ShieldGold included and the addition of roof leak, free HVAC tune-ups, and coverage boosts. 


Cost Per Month 

Service Fee 



$75 - $125



$75 - $125



$75 - $125

What Customers Are Saying

“Over the past two years we have used our warranty on two occasions. Both times the response time was prompt and the service was professional. We have recommended AHS to our friends and family." - Megan C.

AHS is the best home warranty company in the business. I've used AHS since **** on 3 different properties. They have always delivered and resolved any necessary repairs or replacement. I have recommended them to family and friends.”- Herbert H. 

Read our American Home Shield Review for more information.

4. Most Affordable: Select Home Warranty 

Select Home Warranty is one of the most affordable Georgia home warranty companies. One reason why: There are always sales and deals happening when you sign up. At the time of the quote for my Georgia home, you could get two months free and $150 off. The sticker price is already pretty affordable, but this savings incentive really helped bring the costs down further. In addition, Select Home Warranty has been around for nearly 10 years and has a strong reputation. 



Very affordable plans 

Lower coverage caps 

Low service fees

Will charge multiple service fees for more than one repair 

Free roof leak coverage 


Plans, Pricing, and Coverage 

One of the things that sets the Select Home Warranty apart from others in the industry is the free roof leak coverage they offer Georgia homeowners. Even the lower-priced Bronze and Gold Plans come with this coverage. 

Take a look at Select Home Warranty’s plans: 


  • Bronze Plan: Bronze is a basic appliance-only plan covering 8 common home warranty appliances. Although coverage is limited, the pricing is fair. 
  • Gold Plan: Gold offers coverage for six home systems, including heating, electrical, and air conditioning. 
  • Platinum Plan: The best overall value from Select Home Warranty, Platinum offers all of the coverage from the Bronze and Gold combined and the addition of garage door and ceiling fan coverage. 


Cost Per Month 

Service Fee 

Gold Care



Bronze Care



Platinum Care



What Customers Are Saying

“Both Jermel and Ron's customer service was outstanding. Jermel was very attentive to my needs and comforting to my concerns. I placed an online service ticket and within 3 hours I was contacted and within 2 hours I was paired with John of Long Engineering. John came right over on a Friday at 5:15 pm. Now this is what I call great customer service. When john called in to report the problem the customer rep asked to speak with me and informed me that he would escalate the approval because of the extreme heat conditions. So far so good." - Monica C.

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. 

To learn more, read our Select Home Warranty Review.

5. Best Service Guarantee: America’s 1st Home Club

America’s 1st Choice Home Club offers a great service guarantee, warranting its work for the life of your plan – which could be as long as three years. The company also offers plenty of plans to choose from your home Georgia home. If you are looking for add-on options and a lifetime warranty on parts from any repair, America’s 1st Choice Home Club has you covered. 



4 home warranty plans to choose from 

Can be difficult to narrow down which plan you need

Lifetime warranty on parts used in repairs 

$75 cancellation fee 

Extensive add-on options 


Plans, Pricing, and Coverage 

One of the most important benefits of the America’s 1st Choice Home Club is the ability to choose your service contractor. If you have contractors you are already comfortable with, America’s 1st Choice often offers the ability to work with them.

Take a look at  America’s 1st Home Club’s plans: 

  • Systems Plan:  This is a limited home systems plan with just 5 systems. However, it does have coverage for the air conditioner, plumbing, heating, electrical and water heater – crucial items for Georgia homeowners.
  • Silver Plan: Silver is the company’s appliance-only plan covering nine major appliances; this plan also includes the garage door opener and the water heater.
  • Gold Plan: This is the company’s first comprehensive plan, covering both systems and appliances.
  • Platinum Plan: Platinum is the most extensive plan from America’s 1st Choice Home Club, with everything from plumbing stoppages to faucets to the ice maker included.


Cost Per Month 

Service Fee 

Platinum Coverage 


$75, $100 or $125

Gold Coverage


$75, $100 or $125

Silver Coverage


$75, $100 or $125

Systems Coverage


$75, $100 or $125

What Customers Are Saying:

“The people at HSC are very mindful of their clients; time. They do their repairs very fast, less time for stress with me and more time for them to save other people and houses! I had my ceiling fan repaired just this morning, and it was pretty smooth sailing from the moment I called until the evaluation at the end.”(Source)

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.

Read our Review on The Home Service Club to learn more.

What is a Home Warranty?

A home warranty is an annual service contract because a homeowner and a provider that covers the repair and replacements of the items outlined in the contract. There are hundreds of plans to choose from offered by over 80 providers in the US. Home warranties cover damages caused by normal wear-and-tear, but it will not cover damages caused by natural disasters, cosmetic defects, neglect or misuse. 

Using a home warranty is relatively simple. When one of the covered systems or appliances has a breakdown, you submit a claim via the online portal or claims phone number. One the claim as been processed, your provider will send a professional technician to your residence to troubleshoot the issue and fix what's necessary. You will then only have to pay the service fee that is outline in the contract instead of the hundreds to thousands of dollars it could cost to fix the item out-of-pocket.

Home warranties can off you peace of mind as a homeowner by ensuring all of your major home systems and appliances are protected. The replacement of essential systems such as your HVAC system could break the bank, but with a home warranty you can rely on your provider to take care of breakdown costs. 

Learn more: What is a Home Warranty?

How to Find the Best Home Warranty In Georgia

If you spend enough time analyzing and researching home warranties in Georgia, you may end up thinking they are all starting to look the same. However, the customer reviews, plan coverage, and workmanship guarantee are the three most important ways to find the best home warranty coverage in Georgia. 

Customer Reviews

Home warranty companies know how to make their company look great on their websites. Some will publish customer reviews, but they are almost always positive ones. Check websites like Yelp or BBB to get genuine customer reviews and pay attention to how the home warranty provider responds. 

Plan Coverage

Take a look at the individual coverages that a home warranty offers, as well as the coverage caps. When a coverage cap is $500, you will only get $500 worth of coverage for that appliance or system. Compare that to a company that offers a $3,000 coverage cap, where you get much more for your money. 

Workmanship Guarantee

If a repair fails, the workmanship guarantee will send a repair person out to find a solution without charging you a service fee. The workmanship guarantee typically runs anywhere from 30 to 150 days. 

Home Warranty Tips for People Living in Georgia

Most Georgia homeowners decide they need a home warranty when they are already too deep into repair and replacement-related expenses. This is generally unwise. One of the biggest mistakes homeowners make is waiting for the problems instead of being proactive. 

Since purchasing my Georgia home, I’ve noticed that my air conditioning runs a lot in the summer, and my heat runs a lot in the winter. A systems-focused home warranty was quite important to me. 

Repairing and replacing systems is expensive, so ensuring that the system related coverage has a high coverage cap is important for Georgia homeowners.

Lastly, I highly recommend looking at the specifics of the appliance plan to ensure you are comfortable with what is covered. Although your refrigerator may be part of the plan, the ice maker may be excluded. These are the things to keep an eye on. 

Home Warranty Regulations in Georgia 

Although there are no specific home warranty regulations in Georgia, there are some regulations for builders and their responsibility to repair for the first few years after selling the home. Don’t confuse a builder's warranty with a home warranty, and many builder's warranties have appliances and systems excluded. 

Owning a home in Georgia is a great experience, even when homeownership comes with some stress and expense. Choice Home Warranty can make it easier to be a Georgia homeowner and have peace of mind at the same time. Be smart about the home warranty you choose, and pick something that has the specific coverage that you need. Don’t wait until you have a mess of repairs on your hands; home warranties do not cover pre-existing conditions.  


Home Warranty Regulations in Georgia 

One of the negatives to home warranties in Georgia is that you must make sure a company has a very strong reputation and history. Georgia home warranties are not considered insurance so therefore the Georgia department of insurance will not regulate them. This means that there will not be all that much you can do if you end up in a bad overall situation with a company. 

Final Thoughts

A Georgia home warranty is much different than a Georgia homeowners insurance policy. If you are unsure whether your home will benefit from a home warranty, start with a basic appliance plan and then expand your coverage options from there. This type of entrance into the world of home warranties can be the perfect choice for Georgia homeowners. It doesn’t matter if you live in Macon, Atlanta, Statesboro, or Athens; having a home warranty in Georgia is a very smart idea. 

Home Warranty Coverage in Georgia Cities

Nearby States

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 Georgia home warranty companies against each other. 

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

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

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

Resources for Georgia 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. HUD is not just offered in the state of Georgia; it is a federally funded homeowner and homebuyer assistance program. 
  • Georgia Department of Community Affairs: For those who have not purchased a home in the last few years, there could be down payment assistance available for you from the Georgia Department of Community Affairs. Regardless of where in the state you live, this is a resource that should be considered to help save money.  
  • Homeowner Education UGA: The University of Georgia offers some great information regarding homeownership. This information can help you determine if buying or renting is the right plan of action for you. In addition, find out the best steps to purchase and move forward in the process. 
  • USDA Rural Development Georgia:  Many areas of Georgia 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. 
  • Columbus Georgia Housing Programs: Whether you are a first-time buyer or simply looking to try and stay in your home. The Columbus, Georgia housing programs can help Georgia homeowners with any of their needs. Keep this in mind if you are ready to make a change from renting to owning in the Columbus, Georgia, area.

Recap of Our Top Picks In Georgia

  # 1 Our Top Choice Liberty Home Guard
Editorial Rating 98.00
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 2 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
  # 3 First Premier Home Warranty
Editorial Rating 95.10
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Great promotions available
  • Market veteran
  • Large and established firm
  # 4 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
  # 5 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
  # 6 First American Home Warranty
Editorial Rating 95.70
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available

    Nearby States

    All states
    Home warranty Tennessee 39 companies available
    Tennessee 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 Georgia

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


    What is the best home warranty company in GA?

    Choice Home Warranty is one of the top home warranty companies Georgia has to offer. Choice offers comprehensive coverage for all of the important systems and appliances that Georgia homeowners need, at a relatively affordable price.

    How much is a home warranty plan in Georgia?

    A home warranty plan in Georgia will range from $44 a month to more than $75 a month. However, the coverages you choose for your plan and where in the state you live will factor into the pricing you’re offered.

    Do home warranties have deductibles?

    Home warranty companies in Georgia have a service fee, not a deductible. The service fee is paid before a repair or replacement is done at your home.

    Is a Georgia home warranty worth it?

    Whether it’s maintaining the value of your Alpharetta home, or making sure your 100-year-old Savannah property doesn’t all fall into disrepair all at once, having a layer of protection beyond a homeowner’s insurance policy can be a good idea.

    That’s why a home warranty can be worth it - to save you money when one or more major appliances or systems malfunction. Our recommendation is go with Choice Home Warranty as it is the best home warranty company in Georgia. 

    Which home warranty has the lowest service fee?

    Select Home Warranty has one of the lowest service fees at $60. Most company service fees range between $75 and $125.

    What do home warranties cover?

    You can choose usually between 3 types of plans. A Systems Plan, an Appliance Plan, or the more popular Combo Plan that covers both. Here are some of the typical appliances and/or systems you should expect to have in a solid home warranty policy.

    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
    You can look for optional coverage for things like your pool or spa, well or septic pumps, and garage door openers. Some companies, like American Home Shield and Liberty Home Guard, will even cover household electronics.

    What are the cons of a home warranty?

    Home warranties may have tight contracts that exclude coverage for things you’d normally assume to be part of your plan. This can lead to your claims being denied. Home warranties can also be pricey. Both of these are reasons why it’s important to shop carefully for a home warranty plan.

    How do I choose a good home warranty?

    Here are the three steps you should take in choosing the home warranty that’s right for you.

    1. Comparison shop. What are the most important appliances and systems that you want to have protected in your home? Which home warranty companies are operating in Georgia? 
    2. Get several quotes. What do your favorite plans cost per month? What is the service call fee? Take a look at the pricing for several home warranty companies to be sure you are getting the best deal.
    3. Read the fine print. What does the service contract say about exclusions and coverage limits? Like any agreement, you’ll want to understand the details of the contract before signing and paying out that first premium.